Washington Federal (WAFD) 10-Q 31 Jan 20 2020 Q1 Quarterly report Financial data

Cover Page

Cover Page - shares	3 Months Ended
	Dec. 31, 2019	Jan. 29, 2020
Cover page.
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Dec. 31, 2019
Document Transition Report	false
Entity File Number	001-34654
Entity Registrant Name	WASHINGTON FEDERAL INC
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	91-1661606
Entity Address, Address Line One	425 Pike Street
Entity Address, City or Town	Seattle
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98101
City Area Code	206
Local Phone Number	624-7930
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		77,761,773
Amendment Flag	false
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Entity Central Index Key	0000936528
Current Fiscal Year End Date	--09-30

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
ASSETS
Cash and cash equivalents	$ 483,805	$ 419,158
Available-for-sale securities, at fair value	1,495,586	1,485,742
Held-to-maturity securities, at amortized cost	1,360,694	1,443,480
Loans receivable, net of allowance for loan losses of $132,513 and $131,534	11,904,861	11,930,575
Interest receivable	46,725	48,857
Premises and equipment, net	245,792	274,015
Real estate owned	6,339	6,781
FHLB and FRB stock	123,990	123,990
Bank owned life insurance	223,533	222,076
Intangible assets, including goodwill of $302,231 and $301,368	310,477	309,247
Other assets	221,359	210,989
Assets	16,423,161	16,474,910
Customer accounts
Transaction deposit accounts	7,315,121	7,083,801
Time deposit accounts	4,617,017	4,906,963
Total customer accounts	11,932,138	11,990,764
FHLB advances	2,250,000	2,250,000
Advance payments by borrowers for taxes and insurance	20,899	57,830
Federal and state income tax liabilities, net	19,443	5,104
Accrued expenses and other liabilities	149,772	138,217
Liabilities	14,372,252	14,441,915
Commitments and Contingencies
Shareholders’ equity
Common stock, $1.00 par value, $300,000,000 shares authorized; 135,720,374 and 135,539,806 shares issued; 78,107,870 and 78,841,463 shares outstanding	135,720	135,540
Additional paid-in capital	1,673,666	1,672,417
Accumulated other comprehensive income (loss), net of taxes	15,986	15,292
Treasury stock, at cost; 57,612,504 and 56,698,343 shares	(1,159,642)	(1,126,163)
Retained earnings	1,385,179	1,335,909
Total stockholders' equity	2,050,909	2,032,995
Liabilities and equity	$ 16,423,161	$ 16,474,910

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 132,513	$ 131,534
Goodwill	$ 302,231	$ 301,368
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	300,000,000	300,000,000
Common stock, shares issued (in shares)	135,720,374	135,539,806
Common stock, shares outstanding (in shares)	78,107,870	78,841,463
Treasury stock, shares (in shares)	57,612,504	56,698,343

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
INTEREST INCOME
Loans receivable	$ 142,146	$ 137,065
Mortgage-backed securities	15,612	19,192
Investment securities and cash equivalents	7,066	6,365
Interest income	164,824	162,622
INTEREST EXPENSE
Customer accounts	31,481	26,579
FHLB advances	13,658	16,891
Interest expense	45,139	43,470
Net interest income	119,685	119,152
Provision (release) for loan losses	(1,000)	(500)
Net interest income after provision (release)	120,685	119,652
OTHER INCOME
Gain (loss) on sale of investment securities	0	(9)
Loan fee income	1,804	970
Other income	38,312	11,805
Other income, total	46,376	19,009
OTHER EXPENSE
Compensation and benefits	36,631	33,883
Occupancy	10,135	9,268
FDIC insurance premiums	2,470	2,862
Product delivery	4,267	4,021
Information technology	17,107	9,040
Other expense	12,026	12,598
Other expense, total	82,636	71,672
Gain (loss) on real estate owned, net	(886)	320
Income before income taxes	83,539	67,309
Income tax expense	17,836	14,367
NET INCOME	$ 65,703	$ 52,942
PER SHARE DATA
Basic earnings per share (in dollars per share)	$ 0.84	$ 0.65
Diluted earnings per share (in dollars per share)	0.84	0.65
Dividends paid on common stock per share (in dollars per share)	$ 0.21	$ 0.18
Basic weighted average number of shares outstanding (in shares)	78,480,264	81,791,852
Diluted weighted average number of shares outstanding (in shares)	78,535,299	81,831,478
Deposit Account
OTHER INCOME
Deposit fee income	$ 6,260	$ 6,243

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income	$ 65,703	$ 52,942
Other comprehensive income (loss) net of tax:
Net unrealized gain (loss) on available-for-sale investment securities	(2,149)	3,515
Reclassification adjustment of net gain (loss) from sale of available-for-sale securities included in net income	0	(9)
Related tax benefit (expense)	425	(799)
Other comprehensive income (loss) on available-for-sale securities, net of tax	(1,724)	2,707
Net unrealized gain (loss) on borrowings cash flow hedges	3,115	(10,499)
Related tax benefit (expense)	(697)	2,389
Other comprehensive income (loss) on cash flow hedges of borrowings, net of tax	2,418	(8,110)
Other comprehensive income (loss) net of tax	694	(5,403)
Comprehensive income	$ 66,397	$ 47,539

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Balance, beginning of period at Sep. 30, 2018	$ 1,996,908	$ 135,343	$ 1,666,609	$ 1,188,971	$ 8,294	$ (1,002,309)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	52,942			52,942
Other comprehensive income (loss)	(5,403)				(5,403)
Dividends on common stock	(14,638)			(14,638)
Proceeds from stock-based awards	459	17	442
Stock-based compensation expense	1,751	97	1,654
Exercise of stock warrants	0	39	(39)
Treasury stock acquired	(48,930)					(48,930)
Balance, end of period at Dec. 31, 2018	1,983,089	135,496	1,668,666	1,227,275	2,891	(1,051,239)
Balance, beginning of period at Sep. 30, 2019	2,032,995	135,540	1,672,417	1,335,909	15,292	(1,126,163)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	65,703			65,703
Other comprehensive income (loss)	694				694
Dividends on common stock	(16,433)			(16,433)
Proceeds from stock-based awards	50	3	47
Stock-based compensation expense	1,379	177	1,202
Treasury stock acquired	(33,479)					(33,479)
Balance, end of period at Dec. 31, 2019	$ 2,050,909	$ 135,720	$ 1,673,666	$ 1,385,179	$ 15,986	$ (1,159,642)

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	Nov. 22, 2019	Dec. 31, 2019	Dec. 31, 2018
Statement of Stockholders' Equity [Abstract]
Dividends paid on common stock per share (in dollars per share)	$ 0.21	$ 0.21	$ 0.18

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 65,703,000	$ 52,942,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, and accretion expense, net	15,275,000	7,388,000
Stock-based compensation expense	1,379,000	1,751,000
Provision (release) for loan losses	(1,000,000)	(500,000)
Loss (gain) on sale of investment securities	0	9,000
Net realized (gain) loss on sales of premises, equipment, and real estate owned	(32,734,000)	(7,054,000)
Impairment loss on premises and equipment	5,931,000	0
Decrease (increase) in accrued interest receivable	2,132,000	(912,000)
Decrease (increase) in federal and state income tax receivable	0	1,804,000
Decrease (increase) in cash surrender value of bank owned life insurance	(1,457,000)	(1,497,000)
Decrease (increase) in other assets	(3,793,000)	16,816,000
Increase (decrease) in federal and state income tax liabilities	14,067,000	0
Increase (decrease) in accrued expenses and other liabilities	8,092,000	(10,482,000)
Net cash provided by (used in) operating activities	73,595,000	60,265,000
CASH FLOWS FROM INVESTING ACTIVITIES
Origination of loans and principal repayments, net	20,131,000	(222,257,000)
FHLB & FRB stock purchased	(77,200,000)	(164,200,000)
FHLB & FRB stock redeemed	77,200,000	155,800,000
Available-for-sale securities purchased	(82,028,000)	(172,076,000)
Principal payments and maturities of available-for-sale securities	69,085,000	38,118,000
Proceeds from sales of available-for-sale securities	0	491,000
Principal payments and maturities of held-to-maturity securities	81,329,000	37,736,000
Proceeds from sales of real estate owned	820,000	3,915,000
Cash paid for acquisitions	(1,725,000)	0
Proceeds from sales of premises and equipment	53,790,000	10,233,000
Premises and equipment purchased and REO improvements	(4,931,000)	(18,562,000)
Net cash provided by (used in) investing activities	136,471,000	(330,802,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in customer accounts	(58,626,000)	174,623,000
Proceeds from borrowings	1,930,000,000	4,105,000,000
Repayments of borrowings	(1,930,000,000)	(3,895,000,000)
Proceeds from stock-based awards	50,000	459,000
Dividends paid on common stock	(16,433,000)	(14,638,000)
Treasury stock purchased	(33,479,000)	(48,930,000)
Increase (decrease) in borrower advances related to taxes and insurance, net	(36,931,000)	(36,252,000)
Net cash provided by (used in) financing activities	(145,419,000)	285,262,000
Increase (decrease) in cash and cash equivalents	64,647,000	14,725,000
Cash, cash equivalents and restricted cash at beginning of period	419,158,000	268,650,000
Cash, cash equivalents and restricted cash at end of period	483,805,000	283,375,000
Non-cash investing activities
Real estate acquired through foreclosure	272,000	116,000
Non-cash financing activities
Stock issued upon exercise of warrants	0	1,082,000
Cash paid during the period for
Interest	$ 45,954,000	$ 44,177,000

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Company and Nature of Operations - Washington Federal Bank, National Association, a federally-insured national bank dba WaFd Bank (the “Bank” or “WaFd Bank”), was founded on April 24, 1917 in Ballard, Washington and is engaged primarily in providing lending, depository, insurance and other banking services to consumers, mid-sized to large businesses, and owners and developers of commercial real estate. Washington Federal, Inc., a Washington corporation (the “Company”), was formed as the Bank’s holding company in November, 1994. As used throughout this document, the terms “Washington Federal” or the “Company” refer to the Company and its consolidated subsidiaries, and the term “Bank” refers to the operating subsidiary, Washington Federal Bank, National Association. The Company is headquartered in Seattle, Washington. The Bank conducts its activities through a network of 234 bank branches located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, New Mexico and Texas. Basis of Presentation - The Company has prepared the consolidated unaudited interim financial statements included in this report. All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation are reflected in the interim financial statements. The information included in this Form 10-Q should be read in conjunction with the financial statements and related notes in the Company's 2019 Annual Report on Form 10-K (“2019 Annual Financial Statements”). Interim results are not necessarily indicative of results for a full year. Summary of Significant Accounting Policies - The significant accounting policies used in preparation of the Company's consolidated financial statements are disclosed in its 2019 Annual Financial Statements. There have not been any material changes in the Company's significant accounting policies compared to those contained in its 2019 Annual Financial Statements for the year ended September 30, 2019. Restricted Cash Balances - Based on the level of vault cash on hand, the Company was not required to maintain cash reserve balances with the Federal Reserve Bank as of December 31, 2019. As of December 31, 2019 and September 30, 2019, the Company pledged cash collateral related to derivative contracts of $20,400,000 and $31,850,000, respectively. Equity Securities - The Company records equity securities within Other assets in its Consolidated Statements of Financial Condition. Investments in equity securities with readily determinable fair values (marketable) are measured at fair value, with changes in the fair value recognized as a component of Other income in the Consolidated Statements of Operations. Investments in equity investments that do not have readily determinable fair values (non-marketable) are accounted for at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or similar investment of the same issuer, also referred to as the measurement alternative. Any adjustments to the carrying value of these investments are recorded in Other income in the Consolidated Statements of Operations.

New Accounting Pronouncements

New Accounting Pronouncements	3 Months Ended
	Dec. 31, 2019
Accounting Changes and Error Corrections [Abstract]
New Accounting Pronouncements	New Accounting PronouncementsIn April 2019, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, that clarifies and improves areas of guidance related to the recently issued standards on credit losses (ASU 2016-13), hedging (ASU 2017-12), and recognition and measurement of financial instruments (ASU 2016-01). The amendments generally have the same effective dates as their related standards. If already adopted, the amendments of ASU 2016-01 and ASU 2016-13 are effective for fiscal years beginning after December 15, 2019 and the amendments of ASU 2017-12 are effective as of the beginning of the Company’s next annual reporting period; early adoption is permitted. The Company previously adopted both ASU 2017-12 and ASU 2016-01 and does not expect the amendments of ASU 2019-04 will have a material impact on its consolidated financial statements. The Company is continuing to evaluate the impact of ASU 2016-13 and will consider the amendments of ASU 2019-04 as part of that process. In August 2018, the FASB issued ASU 2018-15, Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract . The amendments in this ASU align the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. The amendments also require the entity to expense the capitalized implementation costs of a hosting arrangement that is a service contract over the term of the hosting arrangement, including reasonably certain renewal periods. The amendments in the ASU are effective for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. Early adoption is permitted, including adoption in any interim period. The Company is assessing the impact that this guidance will have on its consolidated financial statements. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement . This ASU adds, eliminates, and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. The ASU is effective for interim and annual reporting periods beginning after December 15, 2019; early adoption is permitted. Entities are also allowed to elect early adoption of the eliminated or modified disclosure requirements and delay adoption of the added disclosure requirements until their effective date. The Company early adopted this ASU beginning October 1, 2019 and removed or modified disclosures as permitted. In July 2018, the FASB issued ASU 2018-11, Leases (Topic 842) - Targeted Improvements. The ASU provides entities with relief from the costs of implementing certain aspects of the new leasing standard, ASU No. 2016-02. Specifically, under the amendments in ASU 2018-11: (1) entities may elect not to recast the comparative periods presented when transitioning to the new leasing standard, and (2) lessors may elect to not separate non-lease components from leases when certain conditions are met. The amendments have the same effective date as ASU 2016-02 (October 1, 2019 for the Company). The Company adopted this ASU beginning October 1, 2019 and elected both transition options. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses . The ASU, as amended, is intended to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investments in leases and other commitments to extend credit held by a reporting entity at each reporting date. The amendments require that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The ASU eliminates the current framework of recognizing probable incurred losses and instead requires an entity to use its current estimate of all expected credit losses over the contractual life. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, an allowance for expected credit losses is recorded as an adjustment to the cost basis of the asset. Subsequent changes in estimated cash flows would be recorded as an adjustment to the allowance and through the statement of income. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security's cost basis. The amendments in this ASU are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For most debt securities, the transition approach requires a cumulative-effect adjustment to the statement of financial position as of the beginning of the first reporting period the guidance is effective. For other-than-temporarily impaired debt securities and PCD assets, the guidance will be applied prospectively. The Company is currently in the process of evaluating the impact of the amended guidance on its consolidated financial statements and the reserve for credit losses may increase upon adoption given that the allowance will be required to cover the full remaining expected life of the portfolio upon adoption, rather than the incurred loss model under current U.S. GAAP. The extent of this increase is still being evaluated and will depend on economic conditions and the composition of the Company’s loan, lease and held-to-maturity securities portfolios at the time of adoption.

Dividends and Share Repurchases

Dividends and Share Repurchases	3 Months Ended
	Dec. 31, 2019
Stockholders' Equity Note [Abstract]
Dividends and Share Repurchases	Dividends and Share Repurchases On November 22, 2019, the Company paid a regular dividend on common stock of $0.21 per share, which represented the 147 th consecutive quarterly cash dividend. Dividends per share were $0.21 and $0.18 for the quarters ended December 31, 2019 and 2018, respectively. On January 22, 2020, the Company declared a regular dividend on common stock of $0.22 per share, which represents its 148 th consecutive quarterly cash dividend. This dividend will be paid on February 21, 2020 to common shareholders of record on February 7, 2020.

Loans Receivable

Loans Receivable	3 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Loans Receivable	Loans Receivable The following table is a summary of loans receivable. December 31, 2019 September 30, 2019 (In thousands) (In thousands) Gross loans by category Single-family residential $ 5,702,071 42.5 % $ 5,835,194 43.8 % Construction 2,174,313 16.2 2,038,052 15.3 Construction - custom 538,234 4.0 540,741 4.1 Land - acquisition & development 203,043 1.5 204,107 1.5 Land - consumer lot loans 97,097 0.7 99,694 0.7 Multi-family 1,436,715 10.7 1,422,674 10.7 Commercial real estate 1,643,099 12.3 1,631,170 12.3 Commercial & industrial 1,352,738 10.1 1,268,695 9.5 HELOC 141,274 1.1 142,178 1.1 Consumer 115,829 0.9 129,883 1.0 Total gross loans 13,404,413 100 % 13,312,388 100 % Less: Allowance for loan losses 132,513 131,534 Loans in process 1,312,282 1,201,341 Net deferred fees, costs and discounts 54,757 48,938 Total loan contra accounts 1,499,552 1,381,813 Net loans $ 11,904,861 $ 11,930,575 The following table sets forth information regarding non-accrual loans. December 31, 2019 September 30, 2019 (In thousands, except ratio data) Non-accrual loans: Single-family residential $ 23,014 76.5 % $ 25,271 74.9 % Land - acquisition & development 86 0.3 169 0.5 Land - consumer lot loans 334 1.1 246 0.7 Commercial real estate 5,557 18.5 5,835 17.3 Commercial & industrial 467 1.5 1,292 3.8 HELOC 630 2.1 907 2.7 Consumer 1 0.0 11 0.0 Total non-accrual loans $ 30,089 100 % $ 33,731 100 % % of total net loans 0.25 % 0.28 % The Company recognized interest income on non-accrual loans of approximately $497,000 in the three months ended December 31, 2019. Had these loans been on accrual status and performed according to their original contract terms, the Company would have recognized interest income of approximately $353,000 for the three months ended December 31, 2019. Recognized interest income for the three months ended December 31, 2019 was higher than what otherwise would have been recognized in the period due to the collection of past due amounts. Interest cash flows collected on non-accrual loans vary from period to period as those loans are brought current or are paid off. The following tables provide details regarding delinquent loans. December 31, 2019 Loans Receivable Days Delinquent Based on $ Amount of Loans % based Type of Loan Net of Loans In Process Current 30 60 90 Total Delinquent (In thousands, except ratio data) Single-family residential $ 5,702,058 $ 5,675,672 $ 6,077 $ 3,718 $ 16,591 $ 26,386 0.46 % Construction 1,189,457 1,188,042 — 1,415 — 1,415 0.12 Construction - custom 259,944 259,944 — — — — — Land - acquisition & development 153,942 153,056 810 76 — 886 0.58 Land - consumer lot loans 97,097 96,635 180 136 146 462 0.48 Multi-family 1,436,693 1,436,556 137 — — 137 0.01 Commercial real estate 1,643,099 1,638,407 602 60 4,030 4,692 0.29 Commercial & industrial 1,352,738 1,352,449 223 10 56 289 0.02 HELOC 141,274 139,892 530 427 425 1,382 0.98 Consumer 115,829 115,248 294 184 103 581 0.50 Total Loans $ 12,092,131 $ 12,055,901 $ 8,853 $ 6,026 $ 21,351 $ 36,230 0.30 % Delinquency % 99.70% 0.07% 0.05% 0.18% 0.30% September 30, 2019 Loans Receivable Days Delinquent Based on $ Amount of Loans % based Type of Loan Net of Loans In Process Current 30 60 90 Total Delinquent (In thousands, except ratio data) Single-family residential $ 5,835,186 $ 5,809,239 $ 3,672 $ 3,211 $ 19,064 $ 25,947 0.44 % Construction 1,164,889 1,164,889 — — — — — Construction - custom 255,505 255,505 — — — — — Land - acquisition & development 161,194 161,194 — — — — — Land - consumer lot loans 99,694 98,916 112 619 47 778 0.78 Multi-family 1,422,652 1,422,652 — — — — — Commercial real estate 1,631,171 1,625,509 1,614 285 3,763 5,662 0.35 Commercial & industrial 1,268,695 1,267,828 — — 867 867 0.07 HELOC 142,178 140,718 580 183 697 1,460 1.03 Consumer 129,883 129,227 295 117 244 656 0.51 Total Loans $ 12,111,047 $ 12,075,677 $ 6,273 $ 4,415 $ 24,682 $ 35,370 0.29 % Delinquency % 99.71% 0.05% 0.04% 0.20% 0.29% There are no loans greater than 90 days delinquent and still accruing interest as of either date. Most loans restructured in TDRs are accruing and performing loans where the borrower has proactively approached the Company about modification due to temporary financial difficulties. As of December 31, 2019, 96.0% of the Company's $110,835,000 in TDRs were classified as performing. Each request for modification is individually evaluated for merit and likelihood of success. The concession granted in a loan modification is typically a payment reduction through a rate reduction of between 100 to 200 basis points for a specific term, usually six The Company reserves for restructured loans within its allowance for loan loss methodology by taking into account the following performance indicators: 1) time since modification, 2) current payment status and 3) geographic area.

Allowance for Losses on Loans

Allowance for Losses on Loans	3 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Allowance for Losses on Loans	Allowance for Losses on Loans The following tables summarize the activity in the allowance for loan losses. Three Months Ended December 31, 2019 Beginning Charge-offs Recoveries Provision & Ending (In thousands) Single-family residential $ 30,988 $ (15) $ 261 $ (534) $ 30,700 Construction 32,304 — 54 (66) 32,292 Construction - custom 1,369 — — 30 1,399 Land - acquisition & development 9,155 (11) 1,460 (1,858) 8,746 Land - consumer lot loans 2,143 (70) 10 7 2,090 Multi-family 7,391 — 498 (485) 7,404 Commercial real estate 13,170 (98) 368 (405) 13,035 Commercial & industrial 31,450 (50) 144 1,996 33,540 HELOC 1,103 — 93 (92) 1,104 Consumer 2,461 (374) 309 (193) 2,203 $ 131,534 $ (618) $ 3,197 $ (1,600) $ 132,513 Three Months Ended December 31, 2018 Beginning Charge-offs Recoveries Provision & Ending (In thousands) Single-family residential $ 33,033 $ (25) $ 230 $ (1,754) $ 31,484 Construction 31,317 — — 146 31,463 Construction - custom 1,842 — — 84 1,926 Land - acquisition & development 7,978 — 1,782 (604) 9,156 Land - consumer lot loans 2,164 (72) 265 (213) 2,144 Multi-family 8,329 — — (445) 7,884 Commercial real estate 11,852 (339) 525 673 12,711 Commercial & industrial 28,702 (179) 33 1,723 30,279 HELOC 781 (886) 1 1,168 1,064 Consumer 3,259 (140) 213 (278) 3,054 $ 129,257 $ (1,641) $ 3,049 $ 500 $ 131,165 The Company recorded a $1,000,000 release of loan loss allowance for the three months ended December 31, 2019, compared to a $500,000 release for the three months ended December 31, 2018. Reserving for new loan originations has been largely offset by recoveries of previously charged-off loans. Recoveries, net of charge-offs, totaled $2,579,000 for the three months ended December 31, 2019, compared to net recoveries of $1,408,000 during the three months ended December 31, 2018. Non-performing assets were $39,742,000, or 0.24% of total assets, at December 31, 2019, compared to $43,826,000, or 0.27% of total assets, at September 30, 2019. Non-accrual loans were $30,089,000 at December 31, 2019, compared to $33,731,000 at September 30, 2019. Delinquencies, as a percent of total loans, were 0.30% at December 31, 2019, compared to 0.29% at September 30, 2019. The following tables show loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves. December 31, 2019 Loans Collectively Evaluated for Impairment Loans Individually Evaluated for Impairment Allowance Allocation Recorded Investment of Loans Ratio Allowance Allocation Recorded Investment of Loans Ratio (In thousands, except ratio data) (In thousands, except ratio data) Single-family residential $ 30,700 $ 5,686,482 0.5 % $ — $ 19,993 0.0 % Construction 32,292 1,189,457 2.7 — — — Construction - custom 1,399 259,944 0.5 — — — Land - acquisition & development 8,731 153,856 5.7 15 86 17.4 Land - consumer lot loans 2,090 93,272 2.2 — 295 0.0 Multi-family 7,403 1,436,313 0.5 1 380 0.3 Commercial real estate 12,861 1,632,612 0.8 174 10,487 1.7 Commercial & industrial 33,470 1,352,116 2.5 70 641 10.9 HELOC 1,104 139,963 0.8 — 483 0.0 Consumer 2,203 115,749 1.9 — 2 0.0 $ 132,253 $ 12,059,764 1.1 % $ 260 $ 32,367 0.8 % September 30, 2019 Loans Collectively Evaluated for Impairment Loans Individually Evaluated for Impairment Allowance Allocation Recorded Investment of Loans Ratio Allowance Allocation Recorded Investment of Loans Ratio (In thousands, except ratio data) (In thousands, except ratio data) Single-family residential $ 30,988 $ 5,822,200 0.5 % $ — $ 17,978 0.0 % Construction 32,304 1,164,889 2.8 — — — Construction - custom 1,369 255,505 0.5 — — — Land - acquisition & development 9,135 160,964 5.7 20 230 8.7 Land - consumer lot loans 2,143 95,574 2.2 — 375 0.0 Multi-family 7,387 1,422,266 0.5 4 385 1.0 Commercial real estate 12,847 1,618,406 0.8 323 12,765 2.5 Commercial & industrial 31,358 1,266,913 2.5 92 1,805 5.1 HELOC 1,103 140,378 0.8 — 837 0.0 Consumer 2,461 129,527 1.9 — 50 0.0 $ 131,095 $ 12,076,622 1.1 % $ 439 $ 34,425 1.3 % As of December 31, 2019, $132,253,000 of the allowance was calculated under the Company's general allowance methodology and the remaining $260,000 was specific reserves on loans deemed to be individually impaired. As of September 30, 2019, $131,095,000 of the allowance was calculated under the Company's general allowance methodology and the remaining $439,000 was specific reserves on loans deemed to be individually impaired. The Company has an asset quality review function that analyzes its loan portfolio and reports the results of the review to its Board of Directors on a quarterly basis. The single-family residential, HELOC and consumer portfolios are evaluated based on their performance as a pool of loans, since no single loan is individually significant or judged by its risk rating, size or potential risk of loss. The construction, land, multi-family, commercial real estate and commercial and industrial loans are risk rated on a loan by loan basis to determine the relative risk inherent in specific borrowers or loans. Based on that risk rating, the loans are assigned a grade and classified as follows: • Pass – the credit does not meet one of the definitions below. • Special mention – A special mention credit is considered to be currently protected from loss but is potentially weak. No loss of principal or interest is foreseen; however, proper supervision and management attention is required to deter further deterioration in the credit. Assets in this category constitute some undue and unwarranted credit risk but not to the point of justifying a risk rating of substandard. The credit risk may be relatively minor yet constitutes an unwarranted risk in light of the circumstances surrounding a specific asset. • Substandard – A substandard credit is an unacceptable credit. Additionally, repayment in the normal course is in jeopardy due to the existence of one or more well defined weaknesses. In these situations, loss of principal is likely if the weakness is not corrected. A substandard asset is inadequately protected by the current sound worth and paying capacity of the borrower or of the collateral pledged, if any. Assets so classified will have a well-defined weakness or weaknesses that jeopardize the collection or liquidation of the debt. Loss potential, while existing in the aggregate amount of substandard assets, does not have to exist in individual assets risk rated substandard. • Doubtful – A credit classified doubtful has all the weaknesses inherent in one classified substandard with the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. The probability of loss is high, but because of certain important and reasonably specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and refinancing plans. • Loss – Credits classified loss are considered uncollectible and of such little value that their continuance as a bankable asset is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be affected in the future. Losses should be taken in the period in which they are identified as uncollectible. Partial charge-off versus full charge-off may be taken if the collateral offers some identifiable protection. The following tables provide information on loans based on risk rating categories as defined above. December 31, 2019 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Single-family residential $ 5,676,712 $ — $ 25,359 $ — $ — $ 5,702,071 Construction 2,174,313 — — — — 2,174,313 Construction - custom 538,234 — — — — 538,234 Land - acquisition & development 200,533 — 2,510 — — 203,043 Land - consumer lot loans 96,627 — 470 — — 97,097 Multi-family 1,432,895 — 3,820 — — 1,436,715 Commercial real estate 1,619,197 3,426 20,476 — — 1,643,099 Commercial & industrial 1,313,816 714 38,194 14 — 1,352,738 HELOC 140,644 — 630 — — 141,274 Consumer 115,828 — 1 — — 115,829 Total gross loans $ 13,308,799 $ 4,140 $ 91,460 $ 14 $ — $ 13,404,413 Total grade as a % of total gross loans 99.29 % 0.03 % 0.68 % 0.00 % — % September 30, 2019 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Single-family residential $ 5,808,444 $ — $ 26,750 $ — $ — $ 5,835,194 Construction 2,038,052 — — — — 2,038,052 Construction - custom 540,741 — — — — 540,741 Land - acquisition & development 200,283 — 3,824 — — 204,107 Land - consumer lot loans 98,828 — 866 — — 99,694 Multi-family 1,418,837 — 3,837 — — 1,422,674 Commercial real estate 1,602,634 2,754 25,782 — — 1,631,170 Commercial & industrial 1,229,891 18,125 20,679 — — 1,268,695 HELOC 141,271 — 907 — — 142,178 Consumer 129,872 — 11 — — 129,883 Total gross loans $ 13,208,853 $ 20,879 $ 82,656 $ — $ — $ 13,312,388 Total grade as a % of total gross loans 99.22 % 0.16 % 0.62 % — % — % The following tables provide information on gross loans based on borrower payment activity. December 31, 2019 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Single-family residential $ 5,679,057 99.6 % $ 23,014 0.4 % Construction 2,174,313 100.0 — — Construction - custom 538,234 100.0 — — Land - acquisition & development 202,957 100.0 86 0.0 Land - consumer lot loans 96,763 99.7 334 0.3 Multi-family 1,436,715 100.0 — — Commercial real estate 1,637,542 99.7 5,557 0.3 Commercial & industrial 1,352,271 100.0 467 0.0 HELOC 140,644 99.6 630 0.4 Consumer 115,828 100.0 1 0.0 $ 13,374,324 99.8 % $ 30,089 0.2 % September 30, 2019 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Single-family residential $ 5,809,923 99.6 % $ 25,271 0.4 % Construction 2,038,052 100.0 — — Construction - custom 540,741 100.0 — — Land - acquisition & development 203,938 99.9 169 0.1 Land - consumer lot loans 99,448 99.8 246 0.2 Multi-family 1,422,674 100.0 — — Commercial real estate 1,625,335 99.6 5,835 0.4 Commercial & industrial 1,267,403 99.9 1,292 0.1 HELOC 141,271 99.4 907 0.6 Consumer 129,872 100.0 11 0.0 $ 13,278,657 99.7 % $ 33,731 0.3 % The following tables provide information on impaired loan balances and the related allowances by loan types. December 31, 2019 Recorded Unpaid Related Average Recorded Investment (In thousands) Impaired loans with no related allowance recorded: Single-family residential $ 16,505 $ 17,474 $ — $ 17,242 Land - acquisition & development — — — 39 Land - consumer lot loans 269 845 — 307 Commercial real estate 7,249 11,585 — 7,358 Commercial & industrial 437 4,508 — 776 HELOC 369 369 — 603 Consumer 2 84 — 26 24,831 34,865 — 26,351 Impaired loans with an allowance recorded: Single-family residential 102,164 104,506 1,110 107,103 Land - acquisition & development 86 150 15 89 Land - consumer lot loans 3,556 3,650 — 3,556 Multi-family 380 380 1 383 Commercial real estate 3,238 3,462 174 3,703 Commercial & industrial 411 519 70 419 HELOC 942 957 — 946 Consumer 58 58 — 59 110,835 113,682 1,370 (1) 116,258 Total impaired loans: Single-family residential 118,669 121,980 1,110 124,345 Land - acquisition & development 86 150 15 128 Land - consumer lot loans 3,825 4,495 — 3,863 Multi-family 380 380 1 383 Commercial real estate 10,487 15,047 174 11,061 Commercial & industrial 848 5,027 70 1,195 HELOC 1,311 1,326 — 1,549 Consumer 60 142 — 85 $ 135,666 $ 148,547 $ 1,370 (1) $ 142,609 (1) Includes $260,000 of specific reserves and $1,110,000 included in the general reserves. September 30, 2019 Recorded Unpaid Related Average Recorded Investment (In thousands) Impaired loans with no related allowance recorded: Single-family residential $ 17,979 $ 19,252 $ — $ 16,685 Construction — — — 1,172 Construction - custom — — — 251 Land - acquisition & development 78 143 — 290 Land - consumer lot loans 344 848 — 287 Multi-family — — — 286 Commercial real estate 7,467 11,881 — 8,890 Commercial & industrial 1,114 5,312 — 7,168 HELOC 837 931 — 597 Consumer 50 119 — 23 27,869 38,486 — 35,649 Impaired loans with an allowance recorded: Single-family residential 112,042 114,609 2,208 125,976 Land - acquisition & development 91 152 — 99 Land - consumer lot loans 3,556 3,695 20 4,324 Multi-family 385 385 4 418 Commercial real estate 4,168 5,298 323 5,160 Commercial & industrial 426 691 92 2,535 HELOC 949 963 — 961 Consumer 60 282 — 65 121,677 126,075 2,647 (1) 139,538 Total impaired loans: Single-family residential 130,021 133,861 2,208 142,661 Construction — — — 1,172 Construction - custom — — — 251 Land - acquisition & development 169 295 — 389 Land - consumer lot loans 3,900 4,543 20 4,611 Multi-family 385 385 4 704 Commercial real estate 11,635 17,179 323 14,050 Commercial & industrial 1,540 6,003 92 9,703 HELOC 1,786 1,894 — 1,558 Consumer 110 401 — 88 $ 149,546 $ 164,561 $ 2,647 (1) $ 175,187 (1) Includes $439,000 of specific reserves and $2,208,000 included in the general reserves.

Fair Value Measurements

Fair Value Measurements	3 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements FASB ASC 820, Fair Value Measurement ("ASC 820") defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active exchange markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company has established and documented the process for determining the fair values of its assets and liabilities, where applicable. Fair value is based on quoted market prices, when available, for identical or similar assets or liabilities. In the absence of quoted market prices, fair value is determined using valuation models or third-party appraisals. The following is a description of the valuation methodologies used to measure and report the fair value of financial assets and liabilities on a recurring or nonrecurring basis. Measured on a Recurring Basis Available-for-Sale Securities and Derivative Contracts Securities available for sale are recorded at fair value on a recurring basis. The fair value of debt securities are priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and under GAAP are considered a Level 2 input method. Securities that are traded on active exchanges are measured using the closing price in an active market and are considered a Level 1 input method. The Company offers interest rate swaps to its variable rate borrowers who want to manage their interest rate risk. At the same time, the Company enters into the opposite trade with a counter party to offset its interest rate risk. The Company has also entered into commercial loan hedges, mortgage pool hedges and borrowings hedges using interest rate swaps. The fair value of these interest rate swaps are estimated by a third party pricing service using a discounted cash flow technique. These are considered a Level 2 input method. The following tables present the balance of assets and liabilities measured at fair value on a recurring basis. December 31, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 333,514 $ — $ 333,514 Municipal bonds — 22,490 — 22,490 Corporate debt securities — 210,649 — 210,649 Mortgage-backed securities Agency pass-through certificates — 928,933 — 928,933 Total available-for-sale securities — 1,495,586 — 1,495,586 Client swap program hedges — 14,973 — 14,973 Mortgage loan fair value hedges — 4,765 — 4,765 Total financial assets $ — $ 1,515,324 $ — $ 1,515,324 Financial Liabilities Client swap program hedges $ — $ 14,973 $ — $ 14,973 Commercial loan fair value hedges — 2,753 — 2,753 Borrowings cash flow hedges — 4,762 — 4,762 Total financial liabilities $ — $ 22,488 $ — $ 22,488 September 30, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 270,778 $ — $ 270,778 Municipal bonds — 22,642 — 22,642 Corporate debt securities — 209,763 — 209,763 Mortgage-backed securities Agency pass-through certificates — 982,559 — 982,559 Total available-for-sale securities — 1,485,742 — 1,485,742 Client swap program hedges — 20,381 — 20,381 Mortgage loan fair value hedges — 1,608 — 1,608 Total financial assets $ — $ 1,507,731 $ — $ 1,507,731 Financial Liabilities Client swap program hedges $ — $ 20,381 $ — $ 20,381 Commercial loan fair value hedges — 4,288 — 4,288 Borrowings cash flow hedges — 7,877 — 7,877 Total financial liabilities $ — $ 32,546 $ — $ 32,546 Measured on a Nonrecurring Basis Certain assets and liabilities are measured at fair value on a nonrecurring basis after initial recognition such as loans measured for impairment and real estate owned ("REO"). REO consists principally of properties acquired through foreclosure. From time to time, and on a nonrecurring basis, adjustments using fair value measurements are recorded to reflect increases or decreases based on the discounted cash flows, the current appraisal or estimated value of the collateral or REO property. When management determines that the fair value of the collateral or the real estate owned requires additional adjustments, either as a result of an updated appraised value or when there is no observable market price, the Company classifies the impaired loan or real estate owned as Level 3. Level 3 assets recorded at fair value on a nonrecurring basis at December 31, 2019 included loans for which a specific reserve allowance was established or a partial charge-off was recorded based on the fair value of collateral, as well as real estate owned where the fair value of the property was less than the cost basis. The following tables present the aggregated balance of assets that were measured at fair value on a nonrecurring basis at December 31, 2019 and December 31, 2018, and the total gains (losses) resulting from those fair value adjustments during the respective periods. The estimated fair value measurements are shown gross of estimated selling costs. December 31, 2019 Three Months Ended December 31, 2019 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Impaired loans (1) $ — $ — $ 70 $ 70 $ (299) Real estate owned (2) — — 976 976 (2) Balance at end of period $ — $ — $ 1,046 $ 1,046 $ (301) (1) The gains (losses) represent remeasurements of collateral-dependent loans. (2) The gains (losses) represent remeasurements of REO. December 31, 2018 Three Months Ended December 31, 2018 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Impaired loans (1) $ — $ — $ 1,970 $ 1,970 $ (726) Real estate owned (2) — — 520 520 (32) Balance at end of period $ — $ — $ 2,490 $ 2,490 $ (758) (1) The gains (losses) represent remeasurements of collateral-dependent loans. (2) The gains (losses) represent remeasurements of REO. Fair Values of Financial Instruments FASB ASC 825, Financial Instruments ("ASC 825") requires disclosure of fair value information about financial instruments, whether or not recognized on the statement of financial condition, for which it is practicable to estimate those values. Certain financial instruments and all non-financial instruments are excluded from the disclosure requirements. Accordingly, the aggregate fair value estimates presented do not reflect the underlying fair value of the Company. Although management is not aware of any factors that would materially affect the estimated fair value amounts presented below, such amounts have not been comprehensively revalued for purposes of these financial statements since the dates shown, and therefore, estimates of fair value subsequent to those dates may differ significantly from the amounts presented below. December 31, 2019 September 30, 2019 Level in Fair Value Hierarchy Carrying Estimated Carrying Estimated ($ in thousands) Financial assets Cash and cash equivalents 1 $ 483,805 $ 483,805 $ 419,158 $ 419,158 Available-for-sale securities U.S. government and agency securities 2 333,514 333,514 270,778 270,778 Municipal bonds 2 22,490 22,490 22,642 22,642 Corporate debt securities 2 210,649 210,649 209,763 209,763 Mortgage-backed securities Agency pass-through certificates 2 928,933 928,933 982,559 982,559 Total available-for-sale securities 1,495,586 1,495,586 1,485,742 1,485,742 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 2 1,348,594 1,368,314 1,428,480 1,448,088 Commercial MBS 2 12,100 12,106 15,000 15,007 Total held-to-maturity securities 1,360,694 1,380,420 1,443,480 1,463,095 Loans receivable 3 11,904,861 12,479,483 11,930,575 12,617,600 FHLB and FRB stock 2 123,990 123,990 123,990 123,990 Other assets - client swap program hedges 2 14,973 14,973 20,381 20,381 Other assets - mortgage loan fair value hedges 2 4,765 4,765 1,608 1,608 Financial liabilities Time deposits 2 4,617,017 4,642,830 4,906,963 4,937,847 FHLB advances 2 2,250,000 2,279,222 2,250,000 2,282,887 Other liabilities - client swap program hedges 2 14,973 14,973 20,381 20,381 Other liabilities - commercial loan fair value hedges 2 2,753 2,753 4,288 4,288 Other liabilities - borrowings cash flow hedges 2 4,762 4,762 7,877 7,877 The following methods and assumptions were used to estimate the fair value of financial instruments: Cash and cash equivalents – The carrying amount of these items is a reasonable estimate of their fair value. Available-for-sale securities and held-to-maturity securities – Securities at fair value are primarily priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and are considered a Level 2 input method. Equity securities that are exchange traded are considered a Level 1 input method. Loans receivable – Fair values are estimated first by stratifying the portfolios of loans with similar financial characteristics. Loans are segregated by type such as multi-family real estate, residential mortgage, construction, commercial, consumer and land loans. Each loan category is further segmented into fixed- and adjustable-rate interest terms. For residential mortgages and multi-family loans, the bank determined that its best exit price was by securitization. MBS benchmark prices are used as a base price, with further loan level pricing adjustments made based on individual loan characteristics such as FICO score, LTV, Property Type and occupancy. For all other loan categories an estimate of fair value is then calculated based on discounted cash flows using a discount rate offered and observed in the market on similar products, plus an adjustment for liquidity to reflect the non-homogeneous nature of the loans, as well as, a annual loss rate based on historical losses to arrive at an estimated exit price fair value. Fair value for impaired loans is also based on recent appraisals or estimated cash flows discounted using rates commensurate with risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are judgmentally determined using available market information and specific borrower information. FHLB and FRB stock – The fair value is based upon the par value of the stock that equates to its carrying value. Time deposits – The fair value of time deposits is estimated by discounting the estimated future cash flows using rates offered for deposits with similar remaining maturities. FHLB advances – The fair value of FHLB advances and other borrowings is estimated by discounting the estimated future cash flows using rates currently available to the Company for debt with similar remaining maturities. Interest rate swaps – The Company offers interest rate swaps to its variable rate borrowers who want to manage their interest rate risk. At the same time, the Company enters into the opposite trade with a counterparty to offset its interest rate risk. The Company also uses interest rate swaps for various fair value hedges and cash flow hedges. The fair value of these interest rate swaps is estimated by a third party pricing service using a discounted cash flow technique. The following tables provide details about the amortized cost and fair value of available-for-sale and held-to-maturity securities. December 31, 2019 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 5 to 10 years $ 63,512 $ 2 $ (979) $ 62,535 2.27 % Over 10 years 272,314 14 (1,349) 270,979 2.82 Corporate debt securities due Within 1 year 43,938 307 — 44,245 3.41 1 to 5 years 70,000 977 — 70,977 3.01 5 to 10 years 93,008 2,419 — 95,427 2.95 Municipal bonds due 1 to 5 years 1,437 23 — 1,460 1.95 Over 10 years 20,298 732 — 21,030 6.45 Mortgage-backed securities Agency pass-through certificates 905,556 24,998 (1,621) 928,933 3.19 1,470,063 29,472 (3,949) 1,495,586 3.11 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 1,348,594 20,018 (298) 1,368,314 3.15 Commercial MBS 12,100 6 — 12,106 2.61 1,360,694 20,024 (298) 1,380,420 3.14 $ 2,830,757 $ 49,496 $ (4,247) $ 2,876,006 3.12 % September 30, 2019 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 5 to 10 years $ 65,287 $ 39 $ (629) $ 64,697 2.43 % Over 10 years 207,067 1 (987) 206,081 3.02 Corporate debt securities due Within 1 year 43,903 411 — 44,314 3.65 1 to 5 years 70,000 689 (50) 70,639 3.29 5 to 10 years 92,931 1,879 — 94,810 3.27 Municipal bonds due 1 to 5 years 1,430 14 — 1,444 1.94 Over 10 years 20,303 895 — 21,198 6.45 Mortgage-backed securities Agency pass-through certificates 957,150 26,533 (1,124) 982,559 3.29 1,458,071 30,461 (2,790) 1,485,742 3.27 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 1,428,480 19,945 (337) 1,448,088 3.15 Commercial MBS 15,000 7 — 15,007 2.89 1,443,480 19,952 (337) 1,463,095 3.15 $ 2,901,551 $ 50,413 $ (3,127) $ 2,948,837 3.21 % For available-for-sale investment securities, there were purchases of $82,028,000 during the three months ended December 31, 2019 and purchases of $172,076,000 during the three months ended December 31, 2018. There were no sales of available-for-sale investment securities during the three months ended December 31, 2019 and sales of $491,000 during the three months ended December 31, 2018. For held-to-maturity investment securities, there were no purchases during the three months ended December 31, 2019 and no purchases during the three months ended December 31, 2018. There were no sales of held-to-maturity investment securities during either period. Substantially all of the agency mortgage-backed securities have contractual due dates that exceed 10 years. The following tables show the gross unrealized losses and fair value of securities as of December 31, 2019 and September 30, 2019, by length of time that individual securities in each category have been in a continuous loss position. The decline in fair value since purchase is attributable to changes in interest rates. Because the Company does not intend to sell these securities and does not consider it more likely than not that it will be required to sell these securities before the recovery of amortized cost basis, which may be upon maturity, the Company does not consider these investments to be other-than-temporarily impaired. December 31, 2019 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) U.S. government and agency securities $ (701) $ 156,068 $ (1,627) $ 122,155 $ (2,328) $ 278,223 Mortgage-backed securities (660) 125,407 (1,259) 209,355 (1,919) 334,762 $ (1,361) $ 281,475 $ (2,886) $ 331,510 $ (4,247) $ 612,985 September 30, 2019 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Corporate debt securities $ — $ — $ (50) $ 24,950 $ (50) $ 24,950 U.S. government and agency securities (656) 152,715 (960) 77,391 (1,616) 230,106 Mortgage-backed securities (148) 87,895 (1,313) 270,802 (1,461) 358,697 $ (804) $ 240,610 $ (2,323) $ 373,143 $ (3,127) $ 613,753

Derivatives and Hedging Activit

Derivatives and Hedging Activities	3 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives and Hedging Activities	Derivatives and Hedging Activities The following tables present the fair value, notional amount and balance sheet classification of derivative assets and liabilities at December 31, 2019 and September 30, 2019. December 31, 2019 Derivative Assets Derivative Liabilities Interest rate contract purpose Balance Sheet Location Notional Fair Value Balance Sheet Location Notional Fair Value (In thousands) (In thousands) Client swap program hedges Other assets $ 435,349 $ 14,973 Other liabilities $ 435,349 $ 14,973 Commercial loan fair value hedges Other assets — — Other liabilities 93,316 2,753 Mortgage loan fair value hedges Other assets 200,000 4,765 Other liabilities — — Borrowings cash flow hedges Other assets — — Other liabilities 700,000 4,762 $ 635,349 $ 19,738 $ 1,228,665 $ 22,488 September 30, 2019 Derivative Assets Derivative Liabilities Interest rate contract purpose Balance Sheet Location Notional Fair Value Balance Sheet Location Notional Fair Value (In thousands) (In thousands) Client swap program hedges Other assets $ 425,607 $ 20,381 Other liabilities $ 425,607 $ 20,381 Commercial loan fair value hedges Other assets — — Other liabilities 95,645 4,288 Mortgage loan fair value hedges Other assets 200,000 1,608 Other liabilities — — Borrowings cash flow hedges Other assets — — Other liabilities 700,000 7,877 $ 625,607 $ 21,989 $ 1,221,252 $ 32,546 The Company enters into interest rate swaps to hedge interest rate risk. These arrangements include hedges of individual fixed rate commercial loans and also hedges of a specified portion of pools of prepayable fixed rate mortgage loans under the "last of layer" method. These relationships qualify as fair value hedges under FASB ASC 815, Derivatives and Hedging ("ASC 815"), which provides for offsetting of the recognition of gains and losses of the respective interest rate swap and the hedged items. Gains and losses on interest rate swaps designated in these hedge relationships, along with the offsetting gains and losses on the hedged items attributable to the hedged risk, are recognized in current earnings within the same income statement line item. Upon electing to apply ASC 815 fair value hedge accounting, the carrying value of the hedged item is adjusted to reflect the cumulative impact of changes in fair value attributable to the hedged risk. The hedge basis adjustment remains with the hedged item until the hedged item is de-recognized from the balance sheet. The following tables present the impact of fair value hedge accounting on the carrying value of the hedged items at December 31, 2019 and September 30, 2019. December 31, 2019 Balance sheet line item in which hedged item is recorded Carrying value of hedged items Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items (In thousands) Loans receivable (1) (2) $ 1,529,862 $ 2,012 $ 1,529,862 $ 2,012 (1) Includes the amortized cost basis of the closed mortgage loan portfolios used to designate the hedging relationships in which the hedged items are the last layer expected to be remaining at the end of the hedging relationships. At December 31, 2019, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,439,103,000, the cumulative basis adjustment associated with the hedging relationships was $4,765,000, and the amount of the designated hedged items was $200,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At December 31, 2019, the amortized cost basis of the hedged commercial loans was $90,759,000 and the cumulative basis adjustment associated with the hedging relationships was $(2,753,000). September 30, 2019 Balance sheet line item in which hedged item is recorded Carrying value of hedged items Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items (In thousands) Loans receivable (1) (2) $ 1,612,208 $ (2,680) $ 1,612,208 $ (2,680) (1) Includes the amortized cost basis of the closed mortgage loan portfolios used to designate the hedging relationships in which the hedged items are the last layer expected to be remaining at the end of the hedging relationships. At September 30, 2019, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,520,647,000, the cumulative basis adjustment associated with the hedging relationships was $1,608,000, and the amount of the designated hedged items was $200,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2019, the amortized cost basis of the hedged commercial loans was $91,561,000 and the cumulative basis adjustment associated with the hedging relationships was $(4,288,000). The Company has entered into interest rate swaps to convert certain short-term borrowings to fixed rate payments. The primary purpose of these hedges is to mitigate the risk of changes in future cash flows resulting from increasing interest rates. For qualifying cash flow hedges under ASC 815, gains and losses on the interest rate swaps are recorded in accumulated other comprehensive income ("AOCI") and then reclassified into earnings in the same period the hedged cash flows affect earnings and within the same income statement line item as the hedged cash flows. As of December 31, 2019, the maturities for hedges of adjustable rate borrowings ranged from less than one The following tables present the gain (loss) recognized in AOCI on derivative instruments related to cash flow hedges on borrowings for the periods presented. (In thousands) Three Months Ended December 31, Amount of gain/(loss) recognized in AOCI 2019 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ 3,115 Total pre-tax gain/(loss) recognized in AOCI $ 3,115 (In thousands) Three Months Ended December 31, Amount of gain/(loss) recognized in AOCI 2018 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ (10,499) Total pre-tax gain/(loss) recognized in AOCI $ (10,499) The following tables present the gain (loss) on derivative instruments in fair value and cash flow accounting hedging relationships under ASC 815 for the periods presented. Three Months Ended December 31, 2019 Interest income on loans receivable Interest expense on FHLB advances (In thousands) Interest income/(expense), including the effects of fair value and cash flow hedges $ 142,146 $ (13,658) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (7) Recognized on derivatives 4,692 Recognized on hedged items (4,593) Net income/(expense) recognized on fair value hedges $ 92 Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (214) Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — Net income/(expense) recognized on cash flow hedges $ (214) Three Months Ended December 31, 2018 Interest income on loans receivable Interest expense on FHLB advances (In thousands) Interest income/(expense), including the effects of fair value and cash flow hedges $ 137,065 $ (16,891) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 19 Recognized on derivatives (2,317) Recognized on hedged items 2,279 Net income/(expense) recognized on fair value hedges $ (19) Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (551) Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — Net income/(expense) recognized on cash flow hedges $ (551) The Company periodically enters into certain interest rate swap agreements in order to provide commercial loan customers the ability to convert from variable to fixed interest rate payments, while the Company retains a variable rate loan. Under these agreements, the Company enters into a variable rate loan agreement and a swap agreement with the client. The swap agreement effectively converts the client’s variable rate loan into a fixed rate. The Company enters into a corresponding swap agreement with a third party in order to offset its exposure on the variable and fixed components of the client's swap agreement. The interest rate swaps are derivatives under ASC 815, with changes in fair value recorded in earnings. There was no net impact to the statement of operations for the three months ended December 31, 2019 and 2018 as the changes in fair value of the receive fixed swap and pay fixed swap offset each other. The following tables present the impact of derivative instruments (client swap program) that are not designated in accounting hedges under ASC 815 for the periods presented. (In thousands) Three Months Ended December 31, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2019 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ 5,408 Receive fixed/pay floating swap Other noninterest income (5,408) $ — (In thousands) Three Months Ended December 31, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2018 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ (9,390) Receive fixed/pay floating swap Other noninterest income 9,390 $ —

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Dec. 31, 2019
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	Revenue from Contracts with Customers Since net interest income on financial assets and liabilities is outside the scope of ASU No. 2014-09, Revenue from Contracts with Customers ("ASC 606"), a significant majority of our revenues are not subject to that guidance. Revenue streams that are within the scope of ASC 606 are presented within non-interest income and are, in general, recognized as revenue at the same time the Company's obligation to the customer is satisfied. Most of the Company's customer contracts that are within the scope of the new guidance are cancelable by either party without penalty and are short-term in nature. These sources of revenue include depositor and other consumer and business banking fees, commission income, as well as debit and credit card interchange fees. In scope revenue streams represented approximately 4.4% of our total revenues for the three months ended December 31, 2019, compared to 4.9% for the three months ended December 31, 2018. As this standard is immaterial to our consolidated financial statements, the Company has omitted certain disclosures in ASC 606, including the disaggregation of revenue table. Sources of non-interest income within the scope of the guidance include the following: Deposit related and other service charges (recognized in Deposit fee income) - The Company's deposit accounts are governed by standardized contracts customary in the industry. Revenues are earned at a point in time or over time (monthly) from account maintenance fees and charges for specific transactions such as wire transfers, stop payment orders, overdrafts, debit card replacements, check orders and cashier’s checks. The Company’s performance obligation related to each of these fees is generally satisfied, and the related revenue recognized, at the time the service is provided (point in time or monthly). The Company is principal in each of these contracts. Debit and Credit Card Interchange Fees (recognized in Deposit fee income) - The Company receives interchange fees from the debit card or credit card payment network based on transactions involving debit or credit cards issued by the Company, generally measured as a percentage of the underlying transaction. Interchange fees from debit and credit card transactions are recognized as the transaction processing services are provided by the network. The Company acts as an agent in the card payment network arrangement so the interchange fees are recorded net of any expenses paid to the principal (the card payment network in this case).

Commitment and Contingencies

Commitment and Contingencies	3 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies Lease Commitments - The Company’s lease commitments consist primarily of real estate property for branches and office space under various non-cancellable operating leases that expire between 2020 and 2070. The majority of the leases contain renewal options and provisions for increases in rental rates based on a predetermined schedule or an agreed upon index. If, at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the right-of-use asset and lease liability. Operating lease liabilities and right-of-use assets are recognized on the lease commencement date based on the present value of the future minimum lease payments over the lease term. The future lease payments are discounted at a rate that represents the Company's collateralized borrowing rate for financing instruments of a similar term and are included in Accrued expenses and other liabilities. The related right-of-use asset is included in Other assets. The table below presents the Company’s operating lease right-of-use asset and the related lease liability. (In thousands) December 31, 2019 Operating lease asset $ 30,220 Operating lease liability $ 31,636 As of December 31, 2019, the Company’s operating leases have a weighted average remaining lease term of 8.9 years and a weighted average discount rate of 2.0%. Cash paid for amounts included in the measurement of the above operating lease liability was $1,488,000 for the three months ended December 31, 2019. Right-of-use assets obtained in exchange for new operating lease liabilities during the same period were $2,083,000. The following table presents the components of net lease costs, a component of Occupancy expense. The Company elected not to separate lease and non-lease components and instead account for them as a single lease component. Variable lease costs include subsequent increases in index-based rents and variable payments such as common area maintenance. (In thousands) Three Months Ended December 31, 2019 Operating lease cost $ 1,602 Variable lease cost 220 Sublease income (86) Net lease cost $ 1,736 The following table shows future minimum payments for operating leases as of December 31, 2019 for the respective periods. (In thousands) Year ending September 30, remainder of 2020 $ 4,623 2021 5,693 2022 5,177 2023 4,518 2024 3,763 Thereafter 11,035 Total minimum payments 34,809 Amounts representing interest (3,173) Present value of minimum lease payments $ 31,636 Future minimum lease payments for the Company’s operating leases as of September 30, 2019, prior to the adoption of the new lease guidance, were as follows. (In thousands) Year ending September 30, 2020 $ 5,838 2021 5,246 2022 4,698 2023 4,302 2024 3,596 Thereafter 10,531 Total minimum payments $ 34,211 Financial Instruments with Off-Balance Sheet Risk - The only material off-balance-sheet credit exposures are loans in process and unused lines of credit, which had a combined balance of $2,639,733,000 and $2,379,089,000 at December 31, 2019 and September 30, 2019, respectively. The Company reserves for estimated losses on these off-balance-sheet credit exposures using historical loss factors for each type of credit. The reserve was $7,500,000 as of December 31, 2019, which is an increase from $6,900,000 at September 30, 2019 Legal Proceedings - The Company and its subsidiaries are from time to time defendants in and are threatened with various legal proceedings arising from regular business activities. Management, after consulting with legal counsel, is of the opinion that the ultimate liability, if any, resulting from these pending or threatened actions and proceedings will not have a material effect on the financial statements of the Company.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Basis of Presentation	The Company has prepared the consolidated unaudited interim financial statements included in this report. All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation are reflected in the interim financial statements. The information included in this Form 10-Q should be read in conjunction with the financial statements and related notes in the Company's 2019 Annual Report on Form 10-K (“2019 Annual Financial Statements”). Interim results are not necessarily indicative of results for a full year.
Equity Securities	The Company records equity securities within Other assets in its Consolidated Statements of Financial Condition. Investments in equity securities with readily determinable fair values (marketable) are measured at fair value, with changes in the fair value recognized as a component of Other income in the Consolidated Statements of Operations. Investments in equity investments that do not have readily determinable fair values (non-marketable) are accounted for at cost minus impairment, if any, plus or minus changes resulting from observable price changes in orderly transactions for the identical or similar investment of the same issuer, also referred to as the measurement alternative. Any adjustments to the carrying value of these investments are recorded in Other income in the Consolidated Statements of Operations.
New Accounting Pronouncements	In April 2019, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2019-04, Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, that clarifies and improves areas of guidance related to the recently issued standards on credit losses (ASU 2016-13), hedging (ASU 2017-12), and recognition and measurement of financial instruments (ASU 2016-01). The amendments generally have the same effective dates as their related standards. If already adopted, the amendments of ASU 2016-01 and ASU 2016-13 are effective for fiscal years beginning after December 15, 2019 and the amendments of ASU 2017-12 are effective as of the beginning of the Company’s next annual reporting period; early adoption is permitted. The Company previously adopted both ASU 2017-12 and ASU 2016-01 and does not expect the amendments of ASU 2019-04 will have a material impact on its consolidated financial statements. The Company is continuing to evaluate the impact of ASU 2016-13 and will consider the amendments of ASU 2019-04 as part of that process. In August 2018, the FASB issued ASU 2018-15, Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract . The amendments in this ASU align the requirements for capitalizing implementation costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation costs incurred to develop or obtain internal-use software. The amendments also require the entity to expense the capitalized implementation costs of a hosting arrangement that is a service contract over the term of the hosting arrangement, including reasonably certain renewal periods. The amendments in the ASU are effective for fiscal years beginning after December 15, 2019 and interim periods within those fiscal years. Early adoption is permitted, including adoption in any interim period. The Company is assessing the impact that this guidance will have on its consolidated financial statements. In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement . This ASU adds, eliminates, and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. The ASU is effective for interim and annual reporting periods beginning after December 15, 2019; early adoption is permitted. Entities are also allowed to elect early adoption of the eliminated or modified disclosure requirements and delay adoption of the added disclosure requirements until their effective date. The Company early adopted this ASU beginning October 1, 2019 and removed or modified disclosures as permitted. In July 2018, the FASB issued ASU 2018-11, Leases (Topic 842) - Targeted Improvements. The ASU provides entities with relief from the costs of implementing certain aspects of the new leasing standard, ASU No. 2016-02. Specifically, under the amendments in ASU 2018-11: (1) entities may elect not to recast the comparative periods presented when transitioning to the new leasing standard, and (2) lessors may elect to not separate non-lease components from leases when certain conditions are met. The amendments have the same effective date as ASU 2016-02 (October 1, 2019 for the Company). The Company adopted this ASU beginning October 1, 2019 and elected both transition options. In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses . The ASU, as amended, is intended to provide financial statement users with more decision-useful information about the expected credit losses on financial instruments that are not accounted for at fair value through net income, including loans held for investment, held-to-maturity debt securities, trade and other receivables, net investments in leases and other commitments to extend credit held by a reporting entity at each reporting date. The amendments require that financial assets measured at amortized cost be presented at the net amount expected to be collected, through an allowance for credit losses that is deducted from the amortized cost basis. The ASU eliminates the current framework of recognizing probable incurred losses and instead requires an entity to use its current estimate of all expected credit losses over the contractual life. The measurement of expected credit losses is based upon historical experience, current conditions, and reasonable and supportable forecasts that affect the collectability of the financial assets. For purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, an allowance for expected credit losses is recorded as an adjustment to the cost basis of the asset. Subsequent changes in estimated cash flows would be recorded as an adjustment to the allowance and through the statement of income. Credit losses relating to available-for-sale debt securities will be recorded through an allowance for credit losses rather than as a direct write-down to the security's cost basis. The amendments in this ASU are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. For most debt securities, the transition approach requires a cumulative-effect adjustment to the statement of financial position as of the beginning of the first reporting period the guidance is effective. For other-than-temporarily impaired debt securities and PCD assets, the guidance will be applied prospectively. The Company is currently in the process of evaluating the impact of the amended guidance on its consolidated financial statements and the reserve for credit losses may increase upon adoption given that the allowance will be required to cover the full remaining expected life of the portfolio upon adoption, rather than the incurred loss model under current U.S. GAAP. The extent of this increase is still being evaluated and will depend on economic conditions and the composition of the Company’s loan, lease and held-to-maturity securities portfolios at the time of adoption.
Fair Value Measurements	FASB ASC 820, Fair Value Measurement ("ASC 820") defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active exchange markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company has established and documented the process for determining the fair values of its assets and liabilities, where applicable. Fair value is based on quoted market prices, when available, for identical or similar assets or liabilities. In the absence of quoted market prices, fair value is determined using valuation models or third-party appraisals. The following is a description of the valuation methodologies used to measure and report the fair value of financial assets and liabilities on a recurring or nonrecurring basis. Measured on a Recurring Basis Available-for-Sale Securities and Derivative Contracts Securities available for sale are recorded at fair value on a recurring basis. The fair value of debt securities are priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and under GAAP are considered a Level 2 input method. Securities that are traded on active exchanges are measured using the closing price in an active market and are considered a Level 1 input method. The Company offers interest rate swaps to its variable rate borrowers who want to manage their interest rate risk. At the same time, the Company enters into the opposite trade with a counter party to offset its interest rate risk. The Company has also entered into commercial loan hedges, mortgage pool hedges and borrowings hedges using interest rate swaps. The fair value of these interest rate swaps are estimated by a third party pricing service using a discounted cash flow technique. These are considered a Level 2 input method.

Loans Receivable (Tables)

Loans Receivable (Tables)	3 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Schedule of Loans Receivable	The following table is a summary of loans receivable. December 31, 2019 September 30, 2019 (In thousands) (In thousands) Gross loans by category Single-family residential $ 5,702,071 42.5 % $ 5,835,194 43.8 % Construction 2,174,313 16.2 2,038,052 15.3 Construction - custom 538,234 4.0 540,741 4.1 Land - acquisition & development 203,043 1.5 204,107 1.5 Land - consumer lot loans 97,097 0.7 99,694 0.7 Multi-family 1,436,715 10.7 1,422,674 10.7 Commercial real estate 1,643,099 12.3 1,631,170 12.3 Commercial & industrial 1,352,738 10.1 1,268,695 9.5 HELOC 141,274 1.1 142,178 1.1 Consumer 115,829 0.9 129,883 1.0 Total gross loans 13,404,413 100 % 13,312,388 100 % Less: Allowance for loan losses 132,513 131,534 Loans in process 1,312,282 1,201,341 Net deferred fees, costs and discounts 54,757 48,938 Total loan contra accounts 1,499,552 1,381,813 Net loans $ 11,904,861 $ 11,930,575
Summary of Information Regarding Non-Accrual Loans	The following table sets forth information regarding non-accrual loans. December 31, 2019 September 30, 2019 (In thousands, except ratio data) Non-accrual loans: Single-family residential $ 23,014 76.5 % $ 25,271 74.9 % Land - acquisition & development 86 0.3 169 0.5 Land - consumer lot loans 334 1.1 246 0.7 Commercial real estate 5,557 18.5 5,835 17.3 Commercial & industrial 467 1.5 1,292 3.8 HELOC 630 2.1 907 2.7 Consumer 1 0.0 11 0.0 Total non-accrual loans $ 30,089 100 % $ 33,731 100 % % of total net loans 0.25 % 0.28 %
Analysis of Age of Loans in Past Due Status	The following tables provide details regarding delinquent loans. December 31, 2019 Loans Receivable Days Delinquent Based on $ Amount of Loans % based Type of Loan Net of Loans In Process Current 30 60 90 Total Delinquent (In thousands, except ratio data) Single-family residential $ 5,702,058 $ 5,675,672 $ 6,077 $ 3,718 $ 16,591 $ 26,386 0.46 % Construction 1,189,457 1,188,042 — 1,415 — 1,415 0.12 Construction - custom 259,944 259,944 — — — — — Land - acquisition & development 153,942 153,056 810 76 — 886 0.58 Land - consumer lot loans 97,097 96,635 180 136 146 462 0.48 Multi-family 1,436,693 1,436,556 137 — — 137 0.01 Commercial real estate 1,643,099 1,638,407 602 60 4,030 4,692 0.29 Commercial & industrial 1,352,738 1,352,449 223 10 56 289 0.02 HELOC 141,274 139,892 530 427 425 1,382 0.98 Consumer 115,829 115,248 294 184 103 581 0.50 Total Loans $ 12,092,131 $ 12,055,901 $ 8,853 $ 6,026 $ 21,351 $ 36,230 0.30 % Delinquency % 99.70% 0.07% 0.05% 0.18% 0.30% September 30, 2019 Loans Receivable Days Delinquent Based on $ Amount of Loans % based Type of Loan Net of Loans In Process Current 30 60 90 Total Delinquent (In thousands, except ratio data) Single-family residential $ 5,835,186 $ 5,809,239 $ 3,672 $ 3,211 $ 19,064 $ 25,947 0.44 % Construction 1,164,889 1,164,889 — — — — — Construction - custom 255,505 255,505 — — — — — Land - acquisition & development 161,194 161,194 — — — — — Land - consumer lot loans 99,694 98,916 112 619 47 778 0.78 Multi-family 1,422,652 1,422,652 — — — — — Commercial real estate 1,631,171 1,625,509 1,614 285 3,763 5,662 0.35 Commercial & industrial 1,268,695 1,267,828 — — 867 867 0.07 HELOC 142,178 140,718 580 183 697 1,460 1.03 Consumer 129,883 129,227 295 117 244 656 0.51 Total Loans $ 12,111,047 $ 12,075,677 $ 6,273 $ 4,415 $ 24,682 $ 35,370 0.29 % Delinquency % 99.71% 0.05% 0.04% 0.20% 0.29%

Allowance for Losses on Loans (

Allowance for Losses on Loans (Tables)	3 Months Ended
	Dec. 31, 2019
Receivables [Abstract]
Summary of Activity in Allowance for Loan Losses	The following tables summarize the activity in the allowance for loan losses. Three Months Ended December 31, 2019 Beginning Charge-offs Recoveries Provision & Ending (In thousands) Single-family residential $ 30,988 $ (15) $ 261 $ (534) $ 30,700 Construction 32,304 — 54 (66) 32,292 Construction - custom 1,369 — — 30 1,399 Land - acquisition & development 9,155 (11) 1,460 (1,858) 8,746 Land - consumer lot loans 2,143 (70) 10 7 2,090 Multi-family 7,391 — 498 (485) 7,404 Commercial real estate 13,170 (98) 368 (405) 13,035 Commercial & industrial 31,450 (50) 144 1,996 33,540 HELOC 1,103 — 93 (92) 1,104 Consumer 2,461 (374) 309 (193) 2,203 $ 131,534 $ (618) $ 3,197 $ (1,600) $ 132,513 Three Months Ended December 31, 2018 Beginning Charge-offs Recoveries Provision & Ending (In thousands) Single-family residential $ 33,033 $ (25) $ 230 $ (1,754) $ 31,484 Construction 31,317 — — 146 31,463 Construction - custom 1,842 — — 84 1,926 Land - acquisition & development 7,978 — 1,782 (604) 9,156 Land - consumer lot loans 2,164 (72) 265 (213) 2,144 Multi-family 8,329 — — (445) 7,884 Commercial real estate 11,852 (339) 525 673 12,711 Commercial & industrial 28,702 (179) 33 1,723 30,279 HELOC 781 (886) 1 1,168 1,064 Consumer 3,259 (140) 213 (278) 3,054 $ 129,257 $ (1,641) $ 3,049 $ 500 $ 131,165
Summary of Loans Collectively and Individually Evaluated for Impairment and Related Allocation of Reserves	The following tables show loans collectively and individually evaluated for impairment and the related allocation of general and specific reserves. December 31, 2019 Loans Collectively Evaluated for Impairment Loans Individually Evaluated for Impairment Allowance Allocation Recorded Investment of Loans Ratio Allowance Allocation Recorded Investment of Loans Ratio (In thousands, except ratio data) (In thousands, except ratio data) Single-family residential $ 30,700 $ 5,686,482 0.5 % $ — $ 19,993 0.0 % Construction 32,292 1,189,457 2.7 — — — Construction - custom 1,399 259,944 0.5 — — — Land - acquisition & development 8,731 153,856 5.7 15 86 17.4 Land - consumer lot loans 2,090 93,272 2.2 — 295 0.0 Multi-family 7,403 1,436,313 0.5 1 380 0.3 Commercial real estate 12,861 1,632,612 0.8 174 10,487 1.7 Commercial & industrial 33,470 1,352,116 2.5 70 641 10.9 HELOC 1,104 139,963 0.8 — 483 0.0 Consumer 2,203 115,749 1.9 — 2 0.0 $ 132,253 $ 12,059,764 1.1 % $ 260 $ 32,367 0.8 % September 30, 2019 Loans Collectively Evaluated for Impairment Loans Individually Evaluated for Impairment Allowance Allocation Recorded Investment of Loans Ratio Allowance Allocation Recorded Investment of Loans Ratio (In thousands, except ratio data) (In thousands, except ratio data) Single-family residential $ 30,988 $ 5,822,200 0.5 % $ — $ 17,978 0.0 % Construction 32,304 1,164,889 2.8 — — — Construction - custom 1,369 255,505 0.5 — — — Land - acquisition & development 9,135 160,964 5.7 20 230 8.7 Land - consumer lot loans 2,143 95,574 2.2 — 375 0.0 Multi-family 7,387 1,422,266 0.5 4 385 1.0 Commercial real estate 12,847 1,618,406 0.8 323 12,765 2.5 Commercial & industrial 31,358 1,266,913 2.5 92 1,805 5.1 HELOC 1,103 140,378 0.8 — 837 0.0 Consumer 2,461 129,527 1.9 — 50 0.0 $ 131,095 $ 12,076,622 1.1 % $ 439 $ 34,425 1.3 %
Summary of Loans Based on Credit Quality Indicators	The following tables provide information on loans based on risk rating categories as defined above. December 31, 2019 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Single-family residential $ 5,676,712 $ — $ 25,359 $ — $ — $ 5,702,071 Construction 2,174,313 — — — — 2,174,313 Construction - custom 538,234 — — — — 538,234 Land - acquisition & development 200,533 — 2,510 — — 203,043 Land - consumer lot loans 96,627 — 470 — — 97,097 Multi-family 1,432,895 — 3,820 — — 1,436,715 Commercial real estate 1,619,197 3,426 20,476 — — 1,643,099 Commercial & industrial 1,313,816 714 38,194 14 — 1,352,738 HELOC 140,644 — 630 — — 141,274 Consumer 115,828 — 1 — — 115,829 Total gross loans $ 13,308,799 $ 4,140 $ 91,460 $ 14 $ — $ 13,404,413 Total grade as a % of total gross loans 99.29 % 0.03 % 0.68 % 0.00 % — % September 30, 2019 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Single-family residential $ 5,808,444 $ — $ 26,750 $ — $ — $ 5,835,194 Construction 2,038,052 — — — — 2,038,052 Construction - custom 540,741 — — — — 540,741 Land - acquisition & development 200,283 — 3,824 — — 204,107 Land - consumer lot loans 98,828 — 866 — — 99,694 Multi-family 1,418,837 — 3,837 — — 1,422,674 Commercial real estate 1,602,634 2,754 25,782 — — 1,631,170 Commercial & industrial 1,229,891 18,125 20,679 — — 1,268,695 HELOC 141,271 — 907 — — 142,178 Consumer 129,872 — 11 — — 129,883 Total gross loans $ 13,208,853 $ 20,879 $ 82,656 $ — $ — $ 13,312,388 Total grade as a % of total gross loans 99.22 % 0.16 % 0.62 % — % — % The following tables provide information on gross loans based on borrower payment activity. December 31, 2019 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Single-family residential $ 5,679,057 99.6 % $ 23,014 0.4 % Construction 2,174,313 100.0 — — Construction - custom 538,234 100.0 — — Land - acquisition & development 202,957 100.0 86 0.0 Land - consumer lot loans 96,763 99.7 334 0.3 Multi-family 1,436,715 100.0 — — Commercial real estate 1,637,542 99.7 5,557 0.3 Commercial & industrial 1,352,271 100.0 467 0.0 HELOC 140,644 99.6 630 0.4 Consumer 115,828 100.0 1 0.0 $ 13,374,324 99.8 % $ 30,089 0.2 % September 30, 2019 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Single-family residential $ 5,809,923 99.6 % $ 25,271 0.4 % Construction 2,038,052 100.0 — — Construction - custom 540,741 100.0 — — Land - acquisition & development 203,938 99.9 169 0.1 Land - consumer lot loans 99,448 99.8 246 0.2 Multi-family 1,422,674 100.0 — — Commercial real estate 1,625,335 99.6 5,835 0.4 Commercial & industrial 1,267,403 99.9 1,292 0.1 HELOC 141,271 99.4 907 0.6 Consumer 129,872 100.0 11 0.0 $ 13,278,657 99.7 % $ 33,731 0.3 %
Summary of Impaired Loans Based on Type	The following tables provide information on impaired loan balances and the related allowances by loan types. December 31, 2019 Recorded Unpaid Related Average Recorded Investment (In thousands) Impaired loans with no related allowance recorded: Single-family residential $ 16,505 $ 17,474 $ — $ 17,242 Land - acquisition & development — — — 39 Land - consumer lot loans 269 845 — 307 Commercial real estate 7,249 11,585 — 7,358 Commercial & industrial 437 4,508 — 776 HELOC 369 369 — 603 Consumer 2 84 — 26 24,831 34,865 — 26,351 Impaired loans with an allowance recorded: Single-family residential 102,164 104,506 1,110 107,103 Land - acquisition & development 86 150 15 89 Land - consumer lot loans 3,556 3,650 — 3,556 Multi-family 380 380 1 383 Commercial real estate 3,238 3,462 174 3,703 Commercial & industrial 411 519 70 419 HELOC 942 957 — 946 Consumer 58 58 — 59 110,835 113,682 1,370 (1) 116,258 Total impaired loans: Single-family residential 118,669 121,980 1,110 124,345 Land - acquisition & development 86 150 15 128 Land - consumer lot loans 3,825 4,495 — 3,863 Multi-family 380 380 1 383 Commercial real estate 10,487 15,047 174 11,061 Commercial & industrial 848 5,027 70 1,195 HELOC 1,311 1,326 — 1,549 Consumer 60 142 — 85 $ 135,666 $ 148,547 $ 1,370 (1) $ 142,609 (1) Includes $260,000 of specific reserves and $1,110,000 included in the general reserves. September 30, 2019 Recorded Unpaid Related Average Recorded Investment (In thousands) Impaired loans with no related allowance recorded: Single-family residential $ 17,979 $ 19,252 $ — $ 16,685 Construction — — — 1,172 Construction - custom — — — 251 Land - acquisition & development 78 143 — 290 Land - consumer lot loans 344 848 — 287 Multi-family — — — 286 Commercial real estate 7,467 11,881 — 8,890 Commercial & industrial 1,114 5,312 — 7,168 HELOC 837 931 — 597 Consumer 50 119 — 23 27,869 38,486 — 35,649 Impaired loans with an allowance recorded: Single-family residential 112,042 114,609 2,208 125,976 Land - acquisition & development 91 152 — 99 Land - consumer lot loans 3,556 3,695 20 4,324 Multi-family 385 385 4 418 Commercial real estate 4,168 5,298 323 5,160 Commercial & industrial 426 691 92 2,535 HELOC 949 963 — 961 Consumer 60 282 — 65 121,677 126,075 2,647 (1) 139,538 Total impaired loans: Single-family residential 130,021 133,861 2,208 142,661 Construction — — — 1,172 Construction - custom — — — 251 Land - acquisition & development 169 295 — 389 Land - consumer lot loans 3,900 4,543 20 4,611 Multi-family 385 385 4 704 Commercial real estate 11,635 17,179 323 14,050 Commercial & industrial 1,540 6,003 92 9,703 HELOC 1,786 1,894 — 1,558 Consumer 110 401 — 88 $ 149,546 $ 164,561 $ 2,647 (1) $ 175,187 (1) Includes $439,000 of specific reserves and $2,208,000 included in the general reserves.

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	3 Months Ended
	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Fair Value of Assets Measured on Recurring Basis	The following tables present the balance of assets and liabilities measured at fair value on a recurring basis. December 31, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 333,514 $ — $ 333,514 Municipal bonds — 22,490 — 22,490 Corporate debt securities — 210,649 — 210,649 Mortgage-backed securities Agency pass-through certificates — 928,933 — 928,933 Total available-for-sale securities — 1,495,586 — 1,495,586 Client swap program hedges — 14,973 — 14,973 Mortgage loan fair value hedges — 4,765 — 4,765 Total financial assets $ — $ 1,515,324 $ — $ 1,515,324 Financial Liabilities Client swap program hedges $ — $ 14,973 $ — $ 14,973 Commercial loan fair value hedges — 2,753 — 2,753 Borrowings cash flow hedges — 4,762 — 4,762 Total financial liabilities $ — $ 22,488 $ — $ 22,488 September 30, 2019 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 270,778 $ — $ 270,778 Municipal bonds — 22,642 — 22,642 Corporate debt securities — 209,763 — 209,763 Mortgage-backed securities Agency pass-through certificates — 982,559 — 982,559 Total available-for-sale securities — 1,485,742 — 1,485,742 Client swap program hedges — 20,381 — 20,381 Mortgage loan fair value hedges — 1,608 — 1,608 Total financial assets $ — $ 1,507,731 $ — $ 1,507,731 Financial Liabilities Client swap program hedges $ — $ 20,381 $ — $ 20,381 Commercial loan fair value hedges — 4,288 — 4,288 Borrowings cash flow hedges — 7,877 — 7,877 Total financial liabilities $ — $ 32,546 $ — $ 32,546
Fair Value of Assets Measured on Nonrecurring Basis	The following tables present the aggregated balance of assets that were measured at fair value on a nonrecurring basis at December 31, 2019 and December 31, 2018, and the total gains (losses) resulting from those fair value adjustments during the respective periods. The estimated fair value measurements are shown gross of estimated selling costs. December 31, 2019 Three Months Ended December 31, 2019 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Impaired loans (1) $ — $ — $ 70 $ 70 $ (299) Real estate owned (2) — — 976 976 (2) Balance at end of period $ — $ — $ 1,046 $ 1,046 $ (301) (1) The gains (losses) represent remeasurements of collateral-dependent loans. (2) The gains (losses) represent remeasurements of REO. December 31, 2018 Three Months Ended December 31, 2018 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Impaired loans (1) $ — $ — $ 1,970 $ 1,970 $ (726) Real estate owned (2) — — 520 520 (32) Balance at end of period $ — $ — $ 2,490 $ 2,490 $ (758) (1) The gains (losses) represent remeasurements of collateral-dependent loans. (2) The gains (losses) represent remeasurements of REO.
Fair Value of Financial Instruments by Balance Sheet Grouping	Although management is not aware of any factors that would materially affect the estimated fair value amounts presented below, such amounts have not been comprehensively revalued for purposes of these financial statements since the dates shown, and therefore, estimates of fair value subsequent to those dates may differ significantly from the amounts presented below. December 31, 2019 September 30, 2019 Level in Fair Value Hierarchy Carrying Estimated Carrying Estimated ($ in thousands) Financial assets Cash and cash equivalents 1 $ 483,805 $ 483,805 $ 419,158 $ 419,158 Available-for-sale securities U.S. government and agency securities 2 333,514 333,514 270,778 270,778 Municipal bonds 2 22,490 22,490 22,642 22,642 Corporate debt securities 2 210,649 210,649 209,763 209,763 Mortgage-backed securities Agency pass-through certificates 2 928,933 928,933 982,559 982,559 Total available-for-sale securities 1,495,586 1,495,586 1,485,742 1,485,742 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 2 1,348,594 1,368,314 1,428,480 1,448,088 Commercial MBS 2 12,100 12,106 15,000 15,007 Total held-to-maturity securities 1,360,694 1,380,420 1,443,480 1,463,095 Loans receivable 3 11,904,861 12,479,483 11,930,575 12,617,600 FHLB and FRB stock 2 123,990 123,990 123,990 123,990 Other assets - client swap program hedges 2 14,973 14,973 20,381 20,381 Other assets - mortgage loan fair value hedges 2 4,765 4,765 1,608 1,608 Financial liabilities Time deposits 2 4,617,017 4,642,830 4,906,963 4,937,847 FHLB advances 2 2,250,000 2,279,222 2,250,000 2,282,887 Other liabilities - client swap program hedges 2 14,973 14,973 20,381 20,381 Other liabilities - commercial loan fair value hedges 2 2,753 2,753 4,288 4,288 Other liabilities - borrowings cash flow hedges 2 4,762 4,762 7,877 7,877
Reconciliation of Amortized Cost to Fair Value of Available-for-Sale and Held-to-Maturity Securities	The following tables provide details about the amortized cost and fair value of available-for-sale and held-to-maturity securities. December 31, 2019 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 5 to 10 years $ 63,512 $ 2 $ (979) $ 62,535 2.27 % Over 10 years 272,314 14 (1,349) 270,979 2.82 Corporate debt securities due Within 1 year 43,938 307 — 44,245 3.41 1 to 5 years 70,000 977 — 70,977 3.01 5 to 10 years 93,008 2,419 — 95,427 2.95 Municipal bonds due 1 to 5 years 1,437 23 — 1,460 1.95 Over 10 years 20,298 732 — 21,030 6.45 Mortgage-backed securities Agency pass-through certificates 905,556 24,998 (1,621) 928,933 3.19 1,470,063 29,472 (3,949) 1,495,586 3.11 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 1,348,594 20,018 (298) 1,368,314 3.15 Commercial MBS 12,100 6 — 12,106 2.61 1,360,694 20,024 (298) 1,380,420 3.14 $ 2,830,757 $ 49,496 $ (4,247) $ 2,876,006 3.12 % September 30, 2019 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 5 to 10 years $ 65,287 $ 39 $ (629) $ 64,697 2.43 % Over 10 years 207,067 1 (987) 206,081 3.02 Corporate debt securities due Within 1 year 43,903 411 — 44,314 3.65 1 to 5 years 70,000 689 (50) 70,639 3.29 5 to 10 years 92,931 1,879 — 94,810 3.27 Municipal bonds due 1 to 5 years 1,430 14 — 1,444 1.94 Over 10 years 20,303 895 — 21,198 6.45 Mortgage-backed securities Agency pass-through certificates 957,150 26,533 (1,124) 982,559 3.29 1,458,071 30,461 (2,790) 1,485,742 3.27 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 1,428,480 19,945 (337) 1,448,088 3.15 Commercial MBS 15,000 7 — 15,007 2.89 1,443,480 19,952 (337) 1,463,095 3.15 $ 2,901,551 $ 50,413 $ (3,127) $ 2,948,837 3.21 %
Schedule of Unrealized Losses and Fair Value of Securities	The following tables show the gross unrealized losses and fair value of securities as of December 31, 2019 and September 30, 2019, by length of time that individual securities in each category have been in a continuous loss position. The decline in fair value since purchase is attributable to changes in interest rates. Because the Company does not intend to sell these securities and does not consider it more likely than not that it will be required to sell these securities before the recovery of amortized cost basis, which may be upon maturity, the Company does not consider these investments to be other-than-temporarily impaired. December 31, 2019 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) U.S. government and agency securities $ (701) $ 156,068 $ (1,627) $ 122,155 $ (2,328) $ 278,223 Mortgage-backed securities (660) 125,407 (1,259) 209,355 (1,919) 334,762 $ (1,361) $ 281,475 $ (2,886) $ 331,510 $ (4,247) $ 612,985 September 30, 2019 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Corporate debt securities $ — $ — $ (50) $ 24,950 $ (50) $ 24,950 U.S. government and agency securities (656) 152,715 (960) 77,391 (1,616) 230,106 Mortgage-backed securities (148) 87,895 (1,313) 270,802 (1,461) 358,697 $ (804) $ 240,610 $ (2,323) $ 373,143 $ (3,127) $ 613,753

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	3 Months Ended
	Dec. 31, 2019
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Fair Value, Notional Amount and Balance Sheet Classification	The following tables present the fair value, notional amount and balance sheet classification of derivative assets and liabilities at December 31, 2019 and September 30, 2019. December 31, 2019 Derivative Assets Derivative Liabilities Interest rate contract purpose Balance Sheet Location Notional Fair Value Balance Sheet Location Notional Fair Value (In thousands) (In thousands) Client swap program hedges Other assets $ 435,349 $ 14,973 Other liabilities $ 435,349 $ 14,973 Commercial loan fair value hedges Other assets — — Other liabilities 93,316 2,753 Mortgage loan fair value hedges Other assets 200,000 4,765 Other liabilities — — Borrowings cash flow hedges Other assets — — Other liabilities 700,000 4,762 $ 635,349 $ 19,738 $ 1,228,665 $ 22,488 September 30, 2019 Derivative Assets Derivative Liabilities Interest rate contract purpose Balance Sheet Location Notional Fair Value Balance Sheet Location Notional Fair Value (In thousands) (In thousands) Client swap program hedges Other assets $ 425,607 $ 20,381 Other liabilities $ 425,607 $ 20,381 Commercial loan fair value hedges Other assets — — Other liabilities 95,645 4,288 Mortgage loan fair value hedges Other assets 200,000 1,608 Other liabilities — — Borrowings cash flow hedges Other assets — — Other liabilities 700,000 7,877 $ 625,607 $ 21,989 $ 1,221,252 $ 32,546
Schedule of Fair Value Hedge Accounting on Carrying Value of Hedged Items	The following tables present the impact of fair value hedge accounting on the carrying value of the hedged items at December 31, 2019 and September 30, 2019. December 31, 2019 Balance sheet line item in which hedged item is recorded Carrying value of hedged items Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items (In thousands) Loans receivable (1) (2) $ 1,529,862 $ 2,012 $ 1,529,862 $ 2,012 (1) Includes the amortized cost basis of the closed mortgage loan portfolios used to designate the hedging relationships in which the hedged items are the last layer expected to be remaining at the end of the hedging relationships. At December 31, 2019, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,439,103,000, the cumulative basis adjustment associated with the hedging relationships was $4,765,000, and the amount of the designated hedged items was $200,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At December 31, 2019, the amortized cost basis of the hedged commercial loans was $90,759,000 and the cumulative basis adjustment associated with the hedging relationships was $(2,753,000). September 30, 2019 Balance sheet line item in which hedged item is recorded Carrying value of hedged items Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items (In thousands) Loans receivable (1) (2) $ 1,612,208 $ (2,680) $ 1,612,208 $ (2,680) (1) Includes the amortized cost basis of the closed mortgage loan portfolios used to designate the hedging relationships in which the hedged items are the last layer expected to be remaining at the end of the hedging relationships. At September 30, 2019, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,520,647,000, the cumulative basis adjustment associated with the hedging relationships was $1,608,000, and the amount of the designated hedged items was $200,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2019, the amortized cost basis of the hedged commercial loans was $91,561,000 and the cumulative basis adjustment associated with the hedging relationships was $(4,288,000).
Schedule of Impact of Derivative Instruments	The following tables present the gain (loss) recognized in AOCI on derivative instruments related to cash flow hedges on borrowings for the periods presented. (In thousands) Three Months Ended December 31, Amount of gain/(loss) recognized in AOCI 2019 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ 3,115 Total pre-tax gain/(loss) recognized in AOCI $ 3,115 (In thousands) Three Months Ended December 31, Amount of gain/(loss) recognized in AOCI 2018 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ (10,499) Total pre-tax gain/(loss) recognized in AOCI $ (10,499) The following tables present the impact of derivative instruments (client swap program) that are not designated in accounting hedges under ASC 815 for the periods presented. (In thousands) Three Months Ended December 31, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2019 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ 5,408 Receive fixed/pay floating swap Other noninterest income (5,408) $ — (In thousands) Three Months Ended December 31, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2018 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ (9,390) Receive fixed/pay floating swap Other noninterest income 9,390 $ —
Schedule of Derivatives Instruments Statements of Financial Performance and Financial Position, Location	The following tables present the gain (loss) on derivative instruments in fair value and cash flow accounting hedging relationships under ASC 815 for the periods presented. Three Months Ended December 31, 2019 Interest income on loans receivable Interest expense on FHLB advances (In thousands) Interest income/(expense), including the effects of fair value and cash flow hedges $ 142,146 $ (13,658) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (7) Recognized on derivatives 4,692 Recognized on hedged items (4,593) Net income/(expense) recognized on fair value hedges $ 92 Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (214) Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — Net income/(expense) recognized on cash flow hedges $ (214) Three Months Ended December 31, 2018 Interest income on loans receivable Interest expense on FHLB advances (In thousands) Interest income/(expense), including the effects of fair value and cash flow hedges $ 137,065 $ (16,891) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 19 Recognized on derivatives (2,317) Recognized on hedged items 2,279 Net income/(expense) recognized on fair value hedges $ (19) Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (551) Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — Net income/(expense) recognized on cash flow hedges $ (551)

Commitment and Contingencies (T

Commitment and Contingencies (Tables)	3 Months Ended
	Dec. 31, 2019
Commitments and Contingencies Disclosure [Abstract]
Supplemental Balance Sheet Information	The table below presents the Company’s operating lease right-of-use asset and the related lease liability. (In thousands) December 31, 2019 Operating lease asset $ 30,220 Operating lease liability $ 31,636
Components of Lease Expense	The following table presents the components of net lease costs, a component of Occupancy expense. The Company elected not to separate lease and non-lease components and instead account for them as a single lease component. Variable lease costs include subsequent increases in index-based rents and variable payments such as common area maintenance. (In thousands) Three Months Ended December 31, 2019 Operating lease cost $ 1,602 Variable lease cost 220 Sublease income (86) Net lease cost $ 1,736
Maturities of Operating Lease Liabilities	The following table shows future minimum payments for operating leases as of December 31, 2019 for the respective periods. (In thousands) Year ending September 30, remainder of 2020 $ 4,623 2021 5,693 2022 5,177 2023 4,518 2024 3,763 Thereafter 11,035 Total minimum payments 34,809 Amounts representing interest (3,173) Present value of minimum lease payments $ 31,636
Future Minimum Lease Payments Prior to Adoption	Future minimum lease payments for the Company’s operating leases as of September 30, 2019, prior to the adoption of the new lease guidance, were as follows. (In thousands) Year ending September 30, 2020 $ 5,838 2021 5,246 2022 4,698 2023 4,302 2024 3,596 Thereafter 10,531 Total minimum payments $ 34,211

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Thousands	Dec. 31, 2019USD ($)branch	Sep. 30, 2019USD ($)
Accounting Policies [Abstract]
Number of bank branches | branch	234
Cash collateral | $	$ 20,400	$ 31,850

New Accounting Pronouncements (

New Accounting Pronouncements (Details) - USD ($)	Dec. 31, 2019	Oct. 01, 2019	Sep. 30, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Increase in other asssets	$ 221,359,000		$ 210,989,000
Accounting Standards Update 2016-02
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Increase in other asssets		$ 29,013,000
Increase in other liabilities		29,013,000
Cumulative effect adjustment to retained earnings		$ 0

Dividends and Share Repurchas_2

Dividends and Share Repurchases (Details) - $ / shares	Jan. 22, 2020	Nov. 22, 2019	Dec. 31, 2019	Dec. 31, 2018
Dividends Payable [Line Items]
Cash dividends per share (in dollars per share)		$ 0.21	$ 0.21	$ 0.18
Stock repurchased (in shares)			914,161
Average cost per share (in dollars per share)			$ 36.62
Remaining shares authorized to be repurchased (in shares)			7,052,600
Subsequent Event
Dividends Payable [Line Items]
Dividends declared (in dollars per share)	$ 0.22

Loans Receivable - Schedule of

Loans Receivable - Schedule of Accounts, Notes, Loans, and Financing Receivable (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 13,404,413	$ 13,312,388
Ratio of type of loan to total loans receivable	100.00%	100.00%
Allowance for loan losses	$ 132,513	$ 131,534	$ 131,165	$ 129,257
Loans in process	1,312,282	1,201,341
Net deferred fees, costs and discounts	54,757	48,938
Total loan contra accounts	1,499,552	1,381,813
Net loans	11,904,861	11,930,575
Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 5,702,071	$ 5,835,194
Ratio of type of loan to total loans receivable	42.50%	43.80%
Allowance for loan losses	$ 30,700	$ 30,988	31,484	33,033
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 2,174,313	$ 2,038,052
Ratio of type of loan to total loans receivable	16.20%	15.30%
Allowance for loan losses	$ 32,292	$ 32,304	31,463	31,317
Construction - custom
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 538,234	$ 540,741
Ratio of type of loan to total loans receivable	4.00%	4.10%
Allowance for loan losses	$ 1,399	$ 1,369	1,926	1,842
Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 203,043	$ 204,107
Ratio of type of loan to total loans receivable	1.50%	1.50%
Allowance for loan losses	$ 8,746	$ 9,155	9,156	7,978
Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 97,097	$ 99,694
Ratio of type of loan to total loans receivable	0.70%	0.70%
Allowance for loan losses	$ 2,090	$ 2,143	2,144	2,164
Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 1,436,715	$ 1,422,674
Ratio of type of loan to total loans receivable	10.70%	10.70%
Allowance for loan losses	$ 7,404	$ 7,391	7,884	8,329
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 1,643,099	$ 1,631,170
Ratio of type of loan to total loans receivable	12.30%	12.30%
Allowance for loan losses	$ 13,035	$ 13,170	12,711	11,852
Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 1,352,738	$ 1,268,695
Ratio of type of loan to total loans receivable	10.10%	9.50%
Allowance for loan losses	$ 33,540	$ 31,450	30,279	28,702
HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 141,274	$ 142,178
Ratio of type of loan to total loans receivable	1.10%	1.10%
Allowance for loan losses	$ 1,104	$ 1,103	1,064	781
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 115,829	$ 129,883
Ratio of type of loan to total loans receivable	0.90%	1.00%
Allowance for loan losses	$ 2,203	$ 2,461	$ 3,054	$ 3,259

Loans Receivable - Loans on Non

Loans Receivable - Loans on Non-accrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual percent of total loans	0.25%	0.28%
Non-accrual loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 30,089	$ 33,731
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	100.00%	100.00%
Non-accrual loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 23,014	$ 25,271
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	76.50%	74.90%
Non-accrual loans | Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 86	$ 169
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	0.30%	0.50%
Non-accrual loans | Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 334	$ 246
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	1.10%	0.70%
Non-accrual loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 5,557	$ 5,835
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	18.50%	17.30%
Non-accrual loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 467	$ 1,292
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	1.50%	3.80%
Non-accrual loans | HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 630	$ 907
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	2.10%	2.70%
Non-accrual loans | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 1	$ 11
Ratio of non-accrual loan by portfolio segment to total loans on non-accrual status	0.00%	0.00%

Loans Receivable - Additional I

Loans Receivable - Additional Information (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual interest income recognized	$ 497
Impaired, interest lost on nonaccrual loans	$ 353
Percent of TDRs classified as performing	96.00%
Basis point reduction, minimum	100.00%
Basis point reduction, maximum	200.00%
Single family residential loans as percentage of restructured loans	92.20%
Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term for payment and rate reduction	6 months
Maximum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term for payment and rate reduction	24 months
Performing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Troubled debt restructuring, amount	$ 110,835

Loans Receivable - Loans Receiv

Loans Receivable - Loans Receivable, Analysis of Age of Loans in Past Due Status (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 12,092,131	$ 12,111,047
Days delinquent, current	12,055,901	12,075,677
Days delinquent, past due	$ 36,230	$ 35,370
% based on $	0.30%	0.29%
% based on $, current	99.70%	99.71%
% based on $, past due	0.30%	0.29%
30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 8,853	$ 6,273
% based on $, past due	0.07%	0.05%
60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 6,026	$ 4,415
% based on $, past due	0.05%	0.04%
90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 21,351	$ 24,682
% based on $, past due	0.18%	0.20%
Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 5,702,058	$ 5,835,186
Days delinquent, current	5,675,672	5,809,239
Days delinquent, past due	$ 26,386	$ 25,947
% based on $	0.46%	0.44%
Single-family residential | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 6,077	$ 3,672
Single-family residential | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	3,718	3,211
Single-family residential | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	16,591	19,064
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,189,457	1,164,889
Days delinquent, current	1,188,042	1,164,889
Days delinquent, past due	$ 1,415	$ 0
% based on $	0.12%	0.00%
Construction | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 0	$ 0
Construction | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	1,415	0
Construction | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	0	0
Construction - custom
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	259,944	255,505
Days delinquent, current	259,944	255,505
Days delinquent, past due	$ 0	$ 0
% based on $	0.00%	0.00%
Construction - custom | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 0	$ 0
Construction - custom | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	0	0
Construction - custom | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	0	0
Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	153,942	161,194
Days delinquent, current	153,056	161,194
Days delinquent, past due	$ 886	$ 0
% based on $	0.58%	0.00%
Land - acquisition & development | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 810	$ 0
Land - acquisition & development | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	76	0
Land - acquisition & development | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	0	0
Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	97,097	99,694
Days delinquent, current	96,635	98,916
Days delinquent, past due	$ 462	$ 778
% based on $	0.48%	0.78%
Land - consumer lot loans | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 180	$ 112
Land - consumer lot loans | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	136	619
Land - consumer lot loans | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	146	47
Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,436,693	1,422,652
Days delinquent, current	1,436,556	1,422,652
Days delinquent, past due	$ 137	$ 0
% based on $	0.01%	0.00%
Multi-family | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 137	$ 0
Multi-family | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	0	0
Multi-family | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	0	0
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,643,099	1,631,171
Days delinquent, current	1,638,407	1,625,509
Days delinquent, past due	$ 4,692	$ 5,662
% based on $	0.29%	0.35%
Commercial real estate | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 602	$ 1,614
Commercial real estate | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	60	285
Commercial real estate | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	4,030	3,763
Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,352,738	1,268,695
Days delinquent, current	1,352,449	1,267,828
Days delinquent, past due	$ 289	$ 867
% based on $	0.02%	0.07%
Commercial & industrial | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 223	$ 0
Commercial & industrial | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	10	0
Commercial & industrial | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	56	867
HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	141,274	142,178
Days delinquent, current	139,892	140,718
Days delinquent, past due	$ 1,382	$ 1,460
% based on $	0.98%	1.03%
HELOC | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 530	$ 580
HELOC | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	427	183
HELOC | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	425	697
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	115,829	129,883
Days delinquent, current	115,248	129,227
Days delinquent, past due	$ 581	$ 656
% based on $	0.50%	0.51%
Consumer | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 294	$ 295
Consumer | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	184	117
Consumer | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Days delinquent, past due	$ 103	$ 244

Allowance for Losses on Loans -

Allowance for Losses on Loans - Allowance for Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	$ 131,534	$ 129,257
Charge-offs	(618)	(1,641)
Recoveries	3,197	3,049
Provision & Transfers	(1,600)	500
Ending Allowance	132,513	131,165
Single-family residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	30,988	33,033
Charge-offs	(15)	(25)
Recoveries	261	230
Provision & Transfers	(534)	(1,754)
Ending Allowance	30,700	31,484
Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	32,304	31,317
Charge-offs	0	0
Recoveries	54	0
Provision & Transfers	(66)	146
Ending Allowance	32,292	31,463
Construction - custom
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	1,369	1,842
Charge-offs	0	0
Recoveries	0	0
Provision & Transfers	30	84
Ending Allowance	1,399	1,926
Land - acquisition & development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	9,155	7,978
Charge-offs	(11)	0
Recoveries	1,460	1,782
Provision & Transfers	(1,858)	(604)
Ending Allowance	8,746	9,156
Land - consumer lot loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	2,143	2,164
Charge-offs	(70)	(72)
Recoveries	10	265
Provision & Transfers	7	(213)
Ending Allowance	2,090	2,144
Multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	7,391	8,329
Charge-offs	0	0
Recoveries	498	0
Provision & Transfers	(485)	(445)
Ending Allowance	7,404	7,884
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	13,170	11,852
Charge-offs	(98)	(339)
Recoveries	368	525
Provision & Transfers	(405)	673
Ending Allowance	13,035	12,711
Commercial & industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	31,450	28,702
Charge-offs	(50)	(179)
Recoveries	144	33
Provision & Transfers	1,996	1,723
Ending Allowance	33,540	30,279
HELOC
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	1,103	781
Charge-offs	0	(886)
Recoveries	93	1
Provision & Transfers	(92)	1,168
Ending Allowance	1,104	1,064
Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	2,461	3,259
Charge-offs	(374)	(140)
Recoveries	309	213
Provision & Transfers	(193)	(278)
Ending Allowance	$ 2,203	$ 3,054

Allowance for Losses on Loans_2

Allowance for Losses on Loans - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Sep. 30, 2019	Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Release of loan loss allowance	$ (1,000)	$ (500)
Charge-offs, net of (recoveries)	(2,579)	(1,408)
Loans receivable, gross	$ 13,404,413		$ 13,312,388
% based on $	0.30%		0.29%
Allowance for loan losses	$ 132,513	$ 131,165	$ 131,534	$ 129,257
Non-accrual loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	30,089		33,731
Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	12,059,764		12,076,622
Allowance for loan losses	132,253		131,095
Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	32,367		34,425
Allowance for loan losses	260		439
Non-Performing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, gross	$ 39,742		$ 43,826
Ratio of non-performing assets to total assets	0.24%		0.27%
Non-accrual loans	$ 30,089		$ 33,731

Allowance for Losses on Loans_3

Allowance for Losses on Loans - Loans Evaluated for Impairment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 132,513	$ 131,534	$ 131,165	$ 129,257
Recorded Investment of Loans	13,404,413	13,312,388
Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	132,253	131,095
Recorded Investment of Loans	$ 12,059,764	$ 12,076,622
Ratio	1.10%	1.10%
Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 260	$ 439
Recorded Investment of Loans	$ 32,367	$ 34,425
Ratio	0.80%	1.30%
Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 30,700	$ 30,988	31,484	33,033
Recorded Investment of Loans	5,702,071	5,835,194
Single-family residential | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	30,700	30,988
Recorded Investment of Loans	$ 5,686,482	$ 5,822,200
Ratio	0.50%	0.50%
Single-family residential | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 0	$ 0
Recorded Investment of Loans	$ 19,993	$ 17,978
Ratio	0.00%	0.00%
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 32,292	$ 32,304	31,463	31,317
Recorded Investment of Loans	2,174,313	2,038,052
Construction | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	32,292	32,304
Recorded Investment of Loans	$ 1,189,457	$ 1,164,889
Ratio	2.70%	2.80%
Construction | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 0	$ 0
Recorded Investment of Loans	$ 0	$ 0
Ratio	0.00%	0.00%
Construction - custom
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 1,399	$ 1,369	1,926	1,842
Recorded Investment of Loans	538,234	540,741
Construction - custom | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	1,399	1,369
Recorded Investment of Loans	$ 259,944	$ 255,505
Ratio	0.50%	0.50%
Construction - custom | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 0	$ 0
Recorded Investment of Loans	$ 0	$ 0
Ratio	0.00%	0.00%
Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 8,746	$ 9,155	9,156	7,978
Recorded Investment of Loans	203,043	204,107
Land - acquisition & development | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	8,731	9,135
Recorded Investment of Loans	$ 153,856	$ 160,964
Ratio	5.70%	5.70%
Land - acquisition & development | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 15	$ 20
Recorded Investment of Loans	$ 86	$ 230
Ratio	17.40%	8.70%
Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 2,090	$ 2,143	2,144	2,164
Recorded Investment of Loans	97,097	99,694
Land - consumer lot loans | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	2,090	2,143
Recorded Investment of Loans	$ 93,272	$ 95,574
Ratio	2.20%	2.20%
Land - consumer lot loans | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 0	$ 0
Recorded Investment of Loans	$ 295	$ 375
Ratio	0.00%	0.00%
Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 7,404	$ 7,391	7,884	8,329
Recorded Investment of Loans	1,436,715	1,422,674
Multi-family | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	7,403	7,387
Recorded Investment of Loans	$ 1,436,313	$ 1,422,266
Ratio	0.50%	0.50%
Multi-family | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 1	$ 4
Recorded Investment of Loans	$ 380	$ 385
Ratio	0.30%	1.00%
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 13,035	$ 13,170	12,711	11,852
Recorded Investment of Loans	1,643,099	1,631,170
Commercial real estate | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	12,861	12,847
Recorded Investment of Loans	$ 1,632,612	$ 1,618,406
Ratio	0.80%	0.80%
Commercial real estate | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 174	$ 323
Recorded Investment of Loans	$ 10,487	$ 12,765
Ratio	1.70%	2.50%
Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 33,540	$ 31,450	30,279	28,702
Recorded Investment of Loans	1,352,738	1,268,695
Commercial & industrial | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	33,470	31,358
Recorded Investment of Loans	$ 1,352,116	$ 1,266,913
Ratio	2.50%	2.50%
Commercial & industrial | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 70	$ 92
Recorded Investment of Loans	$ 641	$ 1,805
Ratio	10.90%	5.10%
HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 1,104	$ 1,103	1,064	781
Recorded Investment of Loans	141,274	142,178
HELOC | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	1,104	1,103
Recorded Investment of Loans	$ 139,963	$ 140,378
Ratio	0.80%	0.80%
HELOC | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 0	$ 0
Recorded Investment of Loans	$ 483	$ 837
Ratio	0.00%	0.00%
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 2,203	$ 2,461	$ 3,054	$ 3,259
Recorded Investment of Loans	115,829	129,883
Consumer | Loans Collectively Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	2,203	2,461
Recorded Investment of Loans	$ 115,749	$ 129,527
Ratio	1.90%	1.90%
Consumer | Loans Individually Evaluated for Impairment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance Allocation	$ 0	$ 0
Recorded Investment of Loans	$ 2	$ 50
Ratio	0.00%	0.00%

Allowance for Losses on Loans_4

Allowance for Losses on Loans - Internally Assigned Grade (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 13,404,413	$ 13,312,388
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 13,308,799	$ 13,208,853
Total grade as a % of total gross loans	99.29%	99.22%
Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 4,140	$ 20,879
Total grade as a % of total gross loans	0.03%	0.16%
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 91,460	$ 82,656
Total grade as a % of total gross loans	0.68%	0.62%
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 14	$ 0
Total grade as a % of total gross loans	0.00%	0.00%
Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 0	$ 0
Total grade as a % of total gross loans	0.00%	0.00%
Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 5,702,071	$ 5,835,194
Single-family residential | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	5,676,712	5,808,444
Single-family residential | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Single-family residential | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	25,359	26,750
Single-family residential | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Single-family residential | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	2,174,313	2,038,052
Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	2,174,313	2,038,052
Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction - custom
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	538,234	540,741
Construction - custom | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	538,234	540,741
Construction - custom | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction - custom | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction - custom | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Construction - custom | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	203,043	204,107
Land - acquisition & development | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	200,533	200,283
Land - acquisition & development | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Land - acquisition & development | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	2,510	3,824
Land - acquisition & development | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Land - acquisition & development | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	97,097	99,694
Land - consumer lot loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	96,627	98,828
Land - consumer lot loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Land - consumer lot loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	470	866
Land - consumer lot loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Land - consumer lot loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,436,715	1,422,674
Multi-family | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,432,895	1,418,837
Multi-family | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Multi-family | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	3,820	3,837
Multi-family | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Multi-family | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,643,099	1,631,170
Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,619,197	1,602,634
Commercial real estate | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	3,426	2,754
Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	20,476	25,782
Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Commercial real estate | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,352,738	1,268,695
Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1,313,816	1,229,891
Commercial & industrial | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	714	18,125
Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	38,194	20,679
Commercial & industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	14	0
Commercial & industrial | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	141,274	142,178
HELOC | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	140,644	141,271
HELOC | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
HELOC | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	630	907
HELOC | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
HELOC | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	115,829	129,883
Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	115,828	129,872
Consumer | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	1	11
Consumer | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	0	0
Consumer | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Loans receivable, gross	$ 0	$ 0

Allowance for Losses on Loans_5

Allowance for Losses on Loans - Credit Risk Profile Based on Payment Activity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 13,404,413	$ 13,312,388
Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 13,374,324	$ 13,278,657
Performing Loans, % of Total Gross Loans	99.80%	99.70%
Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 39,742	$ 43,826
Non-Performing Loans, Amount	$ 30,089	$ 33,731
Non-Performing Loans, % of Total Gross Loans	0.20%	0.30%
Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 5,702,071	$ 5,835,194
Single-family residential | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 5,679,057	$ 5,809,923
Performing Loans, % of Total Gross Loans	99.60%	99.60%
Single-family residential | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 23,014	$ 25,271
Non-Performing Loans, % of Total Gross Loans	0.40%	0.40%
Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 2,174,313	$ 2,038,052
Construction | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 2,174,313	$ 2,038,052
Performing Loans, % of Total Gross Loans	100.00%	100.00%
Construction | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 0	$ 0
Non-Performing Loans, % of Total Gross Loans	0.00%	0.00%
Construction - custom
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 538,234	$ 540,741
Construction - custom | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 538,234	$ 540,741
Performing Loans, % of Total Gross Loans	100.00%	100.00%
Construction - custom | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 0	$ 0
Non-Performing Loans, % of Total Gross Loans	0.00%	0.00%
Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 203,043	$ 204,107
Land - acquisition & development | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 202,957	$ 203,938
Performing Loans, % of Total Gross Loans	100.00%	99.90%
Land - acquisition & development | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 86	$ 169
Non-Performing Loans, % of Total Gross Loans	0.00%	0.10%
Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 97,097	$ 99,694
Land - consumer lot loans | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 96,763	$ 99,448
Performing Loans, % of Total Gross Loans	99.70%	99.80%
Land - consumer lot loans | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 334	$ 246
Non-Performing Loans, % of Total Gross Loans	0.30%	0.20%
Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 1,436,715	$ 1,422,674
Multi-family | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 1,436,715	$ 1,422,674
Performing Loans, % of Total Gross Loans	100.00%	100.00%
Multi-family | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 0	$ 0
Non-Performing Loans, % of Total Gross Loans	0.00%	0.00%
Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 1,643,099	$ 1,631,170
Commercial real estate | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 1,637,542	$ 1,625,335
Performing Loans, % of Total Gross Loans	99.70%	99.60%
Commercial real estate | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 5,557	$ 5,835
Non-Performing Loans, % of Total Gross Loans	0.30%	0.40%
Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 1,352,738	$ 1,268,695
Commercial & industrial | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 1,352,271	$ 1,267,403
Performing Loans, % of Total Gross Loans	100.00%	99.90%
Commercial & industrial | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 467	$ 1,292
Non-Performing Loans, % of Total Gross Loans	0.00%	0.10%
HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 141,274	$ 142,178
HELOC | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 140,644	$ 141,271
Performing Loans, % of Total Gross Loans	99.60%	99.40%
HELOC | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 630	$ 907
Non-Performing Loans, % of Total Gross Loans	0.40%	0.60%
Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 115,829	$ 129,883
Consumer | Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Performing Loans, Amount	$ 115,828	$ 129,872
Performing Loans, % of Total Gross Loans	100.00%	100.00%
Consumer | Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Non-Performing Loans, Amount	$ 1	$ 11
Non-Performing Loans, % of Total Gross Loans	0.00%	0.00%

Allowance for Losses on Loans_6

Allowance for Losses on Loans - Impaired Loans Based on Loan Types (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019
Financing Receivable, Impaired [Line Items]
Recorded Investment	$ 135,666	$ 149,546
Unpaid Principal Balance	148,547	164,561
Related Allowance	1,370	2,647
Average Recorded Investment (Year-To-Date)	142,609	175,187
Amount of related allowance included in specific reserves	260	439
Amount of related allowance included in general reserves	1,110	2,208
Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	24,831	27,869
Unpaid Principal Balance	34,865	38,486
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	26,351	35,649
Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	110,835	121,677
Unpaid Principal Balance	113,682	126,075
Related Allowance	1,370	2,647
Average Recorded Investment (Year-To-Date)	116,258	139,538
Single-family residential
Financing Receivable, Impaired [Line Items]
Recorded Investment	118,669	130,021
Unpaid Principal Balance	121,980	133,861
Related Allowance	1,110	2,208
Average Recorded Investment (Year-To-Date)	124,345	142,661
Single-family residential | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	16,505	17,979
Unpaid Principal Balance	17,474	19,252
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	17,242	16,685
Single-family residential | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	102,164	112,042
Unpaid Principal Balance	104,506	114,609
Related Allowance	1,110	2,208
Average Recorded Investment (Year-To-Date)	107,103	125,976
Construction
Financing Receivable, Impaired [Line Items]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment (Year-To-Date)		1,172
Construction | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment (Year-To-Date)		1,172
Construction - custom
Financing Receivable, Impaired [Line Items]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment (Year-To-Date)		251
Construction - custom | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment (Year-To-Date)		251
Land - acquisition & development
Financing Receivable, Impaired [Line Items]
Recorded Investment	86	169
Unpaid Principal Balance	150	295
Related Allowance	15	0
Average Recorded Investment (Year-To-Date)	128	389
Land - acquisition & development | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	0	78
Unpaid Principal Balance	0	143
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	39	290
Land - acquisition & development | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	86	91
Unpaid Principal Balance	150	152
Related Allowance	15	0
Average Recorded Investment (Year-To-Date)	89	99
Land - consumer lot loans
Financing Receivable, Impaired [Line Items]
Recorded Investment	3,825	3,900
Unpaid Principal Balance	4,495	4,543
Related Allowance	0	20
Average Recorded Investment (Year-To-Date)	3,863	4,611
Land - consumer lot loans | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	269	344
Unpaid Principal Balance	845	848
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	307	287
Land - consumer lot loans | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	3,556	3,556
Unpaid Principal Balance	3,650	3,695
Related Allowance	0	20
Average Recorded Investment (Year-To-Date)	3,556	4,324
Multi-family
Financing Receivable, Impaired [Line Items]
Recorded Investment	380	385
Unpaid Principal Balance	380	385
Related Allowance	1	4
Average Recorded Investment (Year-To-Date)	383	704
Multi-family | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment (Year-To-Date)		286
Multi-family | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	380	385
Unpaid Principal Balance	380	385
Related Allowance	1	4
Average Recorded Investment (Year-To-Date)	383	418
Commercial real estate
Financing Receivable, Impaired [Line Items]
Recorded Investment	10,487	11,635
Unpaid Principal Balance	15,047	17,179
Related Allowance	174	323
Average Recorded Investment (Year-To-Date)	11,061	14,050
Commercial real estate | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	7,249	7,467
Unpaid Principal Balance	11,585	11,881
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	7,358	8,890
Commercial real estate | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	3,238	4,168
Unpaid Principal Balance	3,462	5,298
Related Allowance	174	323
Average Recorded Investment (Year-To-Date)	3,703	5,160
Commercial & industrial
Financing Receivable, Impaired [Line Items]
Recorded Investment	848	1,540
Unpaid Principal Balance	5,027	6,003
Related Allowance	70	92
Average Recorded Investment (Year-To-Date)	1,195	9,703
Commercial & industrial | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	437	1,114
Unpaid Principal Balance	4,508	5,312
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	776	7,168
Commercial & industrial | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	411	426
Unpaid Principal Balance	519	691
Related Allowance	70	92
Average Recorded Investment (Year-To-Date)	419	2,535
HELOC
Financing Receivable, Impaired [Line Items]
Recorded Investment	1,311	1,786
Unpaid Principal Balance	1,326	1,894
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	1,549	1,558
HELOC | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	369	837
Unpaid Principal Balance	369	931
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	603	597
HELOC | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	942	949
Unpaid Principal Balance	957	963
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	946	961
Consumer
Financing Receivable, Impaired [Line Items]
Recorded Investment	60	110
Unpaid Principal Balance	142	401
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	85	88
Consumer | Impaired loans with no related allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	2	50
Unpaid Principal Balance	84	119
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	26	23
Consumer | Impaired loans with an allowance recorded
Financing Receivable, Impaired [Line Items]
Recorded Investment	58	60
Unpaid Principal Balance	58	282
Related Allowance	0	0
Average Recorded Investment (Year-To-Date)	$ 59	$ 65

Fair Value Measurements - Recur

Fair Value Measurements - Recurring (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 1,495,586	$ 1,485,742
Total financial assets	2,876,006	2,948,837
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,495,586	1,485,742
Total financial assets	1,515,324	1,507,731
Total financial liabilities	22,488	32,546
Recurring | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	14,973	20,381
Derivative liabilities	14,973	20,381
Recurring | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	2,753	4,288
Recurring | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	4,765	1,608
Recurring | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	4,762	7,877
Recurring | U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	333,514	270,778
Recurring | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	22,490	22,642
Recurring | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	210,649	209,763
Recurring | Agency pass-through certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	928,933	982,559
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Total financial assets	0	0
Total financial liabilities	0	0
Recurring | Level 1 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Level 1 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Level 1 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Recurring | Level 1 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Level 1 | U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 1 | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 1 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 1 | Agency pass-through certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,495,586	1,485,742
Total financial assets	1,515,324	1,507,731
Total financial liabilities	22,488	32,546
Recurring | Level 2 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	14,973	20,381
Derivative liabilities	14,973	20,381
Recurring | Level 2 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	2,753	4,288
Recurring | Level 2 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	4,765	1,608
Recurring | Level 2 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	4,762	7,877
Recurring | Level 2 | U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	333,514	270,778
Recurring | Level 2 | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	22,490	22,642
Recurring | Level 2 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	210,649	209,763
Recurring | Level 2 | Agency pass-through certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	928,933	982,559
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Total financial assets	0	0
Total financial liabilities	0	0
Recurring | Level 3 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Derivative liabilities	0	0
Recurring | Level 3 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Level 3 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Recurring | Level 3 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liabilities	0	0
Recurring | Level 3 | U.S. government and agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 3 | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 3 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 3 | Agency pass-through certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 0	$ 0

Fair Value Measurements - Nonre

Fair Value Measurements - Nonrecurring (Details) - Nonrecurring - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	$ 1,046	$ 2,490
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	1,046	2,490
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	70	1,970
Impaired loans | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	0	0
Impaired loans | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	0	0
Impaired loans | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	70	1,970
Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	976	520
Real estate owned | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	0	0
Real estate owned | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	0	0
Real estate owned | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Assets, fair value disclosure	976	520
Changes measurement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Gains (losses) related to impaired loans and real estate held for sale	(301)	(758)
Changes measurement | Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Gains (losses) related to impaired loans and real estate held for sale	(299)	(726)
Changes measurement | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Gains (losses) related to impaired loans and real estate held for sale	$ (2)	$ (32)

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	$ 1,495,586	$ 1,485,742
Held-to-maturity securities	1,380,420	1,463,095
FHLB and FRB stock	123,990	123,990
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	1,495,586	1,485,742
Held-to-maturity securities	1,360,694	1,443,480
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	1,495,586	1,485,742
Held-to-maturity securities	1,380,420	1,463,095
Level 1 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	483,805	419,158
Level 1 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	483,805	419,158
Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
FHLB and FRB stock	123,990	123,990
Time deposits	4,617,017	4,906,963
FHLB advances	2,250,000	2,250,000
Level 2 | Carrying Amount | Client swap program hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	14,973	20,381
Other liabilities	14,973	20,381
Level 2 | Carrying Amount | Commercial loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	2,753	4,288
Level 2 | Carrying Amount | Mortgage loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	4,765	1,608
Level 2 | Carrying Amount | Borrowings cash flow hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	4,762	7,877
Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
FHLB and FRB stock	123,990	123,990
Time deposits	4,642,830	4,937,847
FHLB advances	2,279,222	2,282,887
Level 2 | Estimated Fair Value | Client swap program hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	14,973	20,381
Other liabilities	14,973	20,381
Level 2 | Estimated Fair Value | Commercial loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	2,753	4,288
Level 2 | Estimated Fair Value | Mortgage loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	4,765	1,608
Level 2 | Estimated Fair Value | Borrowings cash flow hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other liabilities	4,762	7,877
Level 3 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable	11,904,861	11,930,575
Level 3 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable	12,479,483	12,617,600
U.S. government and agency securities | Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	333,514	270,778
U.S. government and agency securities | Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	333,514	270,778
Municipal bonds | Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	22,490	22,642
Municipal bonds | Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	22,490	22,642
Corporate debt securities | Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	210,649	209,763
Corporate debt securities | Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	210,649	209,763
Agency pass-through certificates
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity securities	1,368,314	1,448,088
Agency pass-through certificates | Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	928,933	982,559
Held-to-maturity securities	1,348,594	1,428,480
Agency pass-through certificates | Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities	928,933	982,559
Held-to-maturity securities	1,368,314	1,448,088
Commercial MBS
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity securities	12,106	15,007
Commercial MBS | Level 2 | Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity securities	12,100	15,000
Commercial MBS | Level 2 | Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity securities	$ 12,106	$ 15,007

Fair Value Measurements - Inves

Fair Value Measurements - Investments by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Amortized Cost, Available-for-sale securities
Amortized Cost	$ 1,470,063	$ 1,458,071
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains	29,472	30,461
Gross unrealized loss	(3,949)	(2,790)
Fair Value, Available-for-sale securities
Fair value	$ 1,495,586	$ 1,485,742
Yield, Available-for-sale securities
Yield	3.11%	3.27%
Amortized Cost, Held-to-maturity securities
Held-to-maturity securities, amortized cost	$ 1,360,694	$ 1,443,480
Gross Unrealized Gains / Losses, Held-to-maturity securities
Held-to-maturity securities, gross unrealized gains	20,024	19,952
Held-to-maturity securities, gross unrealized losses	(298)	(337)
Fair Value, Held-to-maturity securities
Held-to-maturity securities, fair value	$ 1,380,420	$ 1,463,095
Yield, Held-to-maturity securities
Held-to-maturity securities, yield	3.14%	3.15%
Investments	$ 2,830,757	$ 2,901,551
Gross unrealized gains on investments	49,496	50,413
Gross unrealized losses on investments	(4,247)	(3,127)
Total financial assets	$ 2,876,006	$ 2,948,837
Yield on investments	3.12%	3.21%
U.S. government and agency securities
Amortized Cost, Available-for-sale securities
Amortized cost, 5 to 10 years	$ 63,512	$ 65,287
Amortized cost, over 10 years	272,314	207,067
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, 5 to 10 years	2	39
Gross unrealized gains, over 10 years	14	1
Gross unrealized losses, 5 to 10 years	(979)	(629)
Gross unrealized losses, over 10 years	(1,349)	(987)
Fair Value, Available-for-sale securities
Fair value, 5 to 10 years	62,535	64,697
Fair value, over 10 years	$ 270,979	$ 206,081
Yield, Available-for-sale securities
Yield, 5 to 10 years	2.27%	2.43%
Yield, over 10 years	2.82%	3.02%
Corporate debt securities
Amortized Cost, Available-for-sale securities
Amortized cost, within 1 year	$ 43,938	$ 43,903
Amortized cost, 1 to 5 years	70,000	70,000
Amortized cost, 5 to 10 years	93,008	92,931
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, within 1 year	307	411
Gross unrealized gains, 1 to 5 years	977	689
Gross unrealized gains, 5 to 10 years	2,419	1,879
Gross unrealized losses, Within 1 year	0	0
Gross unrealized losses, 1 to 5 years	0	(50)
Gross unrealized losses, 5 to 10 years	0	0
Fair Value, Available-for-sale securities
Fair value, within 1 year	44,245	44,314
Fair value, 1 to 5 years	70,977	70,639
Fair value, 5 to 10 years	$ 95,427	$ 94,810
Yield, Available-for-sale securities
Yield, within 1 year	3.41%	3.65%
Yield, 1 to 5 years	3.01%	3.29%
Yield, 5 to 10 years	2.95%	3.27%
Municipal bonds due
Amortized Cost, Available-for-sale securities
Amortized cost, 1 to 5 years	$ 1,437	$ 1,430
Amortized cost, over 10 years	20,298	20,303
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, 1 to 5 years	23	14
Gross unrealized gains, over 10 years	732	895
Gross unrealized losses, 1 to 5 years	0	0
Gross unrealized losses, over 10 years	0	0
Fair Value, Available-for-sale securities
Fair value, 1 to 5 years	1,460	1,444
Fair value, over 10 years	$ 21,030	$ 21,198
Yield, Available-for-sale securities
Yield, 1 to 5 years	1.95%	1.94%
Yield, over 10 years	6.45%	6.45%
Agency pass-through certificates
Amortized Cost, Available-for-sale securities
Amortized cost, without single maturity date	$ 905,556	$ 957,150
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, without single maturity date	24,998	26,533
Gross unrealized losses, without single maturity date	(1,621)	(1,124)
Fair Value, Available-for-sale securities
Fair value, without single maturity date	$ 928,933	$ 982,559
Yield, Available-for-sale securities
Yield, without single maturity date	3.19%	3.29%
Amortized Cost, Held-to-maturity securities
Held-to-maturity securities, amortized cost	$ 1,348,594	$ 1,428,480
Gross Unrealized Gains / Losses, Held-to-maturity securities
Held-to-maturity securities, gross unrealized gains	20,018	19,945
Held-to-maturity securities, gross unrealized losses	(298)	(337)
Fair Value, Held-to-maturity securities
Held-to-maturity securities, fair value	$ 1,368,314	$ 1,448,088
Yield, Held-to-maturity securities
Held-to-maturity securities, yield	3.15%	3.15%
Commercial MBS
Amortized Cost, Held-to-maturity securities
Held-to-maturity securities, amortized cost	$ 12,100	$ 15,000
Gross Unrealized Gains / Losses, Held-to-maturity securities
Held-to-maturity securities, gross unrealized gains	6	7
Held-to-maturity securities, gross unrealized losses	0	0
Fair Value, Held-to-maturity securities
Held-to-maturity securities, fair value	$ 12,106	$ 15,007
Yield, Held-to-maturity securities
Held-to-maturity securities, yield	2.61%	2.89%

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($)	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Available-for-sale securities purchased	$ 82,028,000	$ 172,076,000
Proceeds from sales of available-for-sale securities	0	491,000
Held-to-maturity securities purchased	0	0
Proceeds from sale of held-to-maturity securities	$ 0	$ 0
Term of contractual due dates of substantially all mortgage-backed securities (in years)	10 years

Fair Value Measurements - Secur

Fair Value Measurements - Securities in Unrealized Loss Positions (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Debt Securities, Available-for-sale [Line Items]
Less than 12 months, unrealized gross losses	$ (1,361)	$ (804)
Less than 12 months, fair value	281,475	240,610
12 months or more, unrealized gross losses	(2,886)	(2,323)
12 months or more, fair value	331,510	373,143
Total unrealized gross losses	(4,247)	(3,127)
Total, fair value	612,985	613,753
Corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Less than 12 months, unrealized gross losses		0
Less than 12 months, fair value		0
12 months or more, unrealized gross losses		(50)
12 months or more, fair value		24,950
Total unrealized gross losses		(50)
Total, fair value		24,950
U.S. government and agency securities
Debt Securities, Available-for-sale [Line Items]
Less than 12 months, unrealized gross losses	(701)	(656)
Less than 12 months, fair value	156,068	152,715
12 months or more, unrealized gross losses	(1,627)	(960)
12 months or more, fair value	122,155	77,391
Total unrealized gross losses	(2,328)	(1,616)
Total, fair value	278,223	230,106
Mortgage-backed securities
Debt Securities, Available-for-sale [Line Items]
Less than 12 months, unrealized gross losses	(660)	(148)
Less than 12 months, fair value	125,407	87,895
12 months or more, unrealized gross losses	(1,259)	(1,313)
12 months or more, fair value	209,355	270,802
Total unrealized gross losses	(1,919)	(1,461)
Total, fair value	$ 334,762	$ 358,697

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Summary of Fair Value, Notional Amount and Balance Sheet Classification (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Other assets
Derivatives, Fair Value [Line Items]
Notional amount	$ 635,349	$ 625,607
Derivative assets, fair value	19,738	21,989
Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	1,228,665	1,221,252
Derivative liabilities, fair value	22,488	32,546
Client swap program hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	435,349	425,607
Derivative assets, fair value	14,973	20,381
Client swap program hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	435,349	425,607
Derivative liabilities, fair value	14,973	20,381
Commercial loan fair value hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	0	0
Derivative assets, fair value	0	0
Commercial loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	93,316	95,645
Derivative liabilities, fair value	2,753	4,288
Mortgage loan fair value hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	200,000	200,000
Derivative assets, fair value	4,765	1,608
Mortgage loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	0	0
Derivative liabilities, fair value	0	0
Borrowings cash flow hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	0	0
Derivative assets, fair value	0	0
Borrowings cash flow hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	700,000	700,000
Derivative liabilities, fair value	$ 4,762	$ 7,877

Derivatives and Hedging Activ_4

Derivatives and Hedging Activities - Impact of Fair Value Hedge Accounting on the Carrying Value of the Hedged Items (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	$ 1,529,862	$ 1,612,208
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	2,012	(2,680)
Mortgage loan fair value hedges
Derivatives, Fair Value [Line Items]
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	4,765	1,608
Amortized cost basis of the hedged loans	200,000	200,000
Commercial loan fair value hedges
Derivatives, Fair Value [Line Items]
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	(2,753)	(4,288)
Loans Receivable
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	1,529,862	1,612,208
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	2,012	(2,680)
Loans Receivable | Mortgage loan fair value hedges
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	1,439,103	1,520,647
Loans Receivable | Commercial loan fair value hedges
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	$ 90,759	$ 91,561

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Additional Information (Details)	3 Months Ended
	Dec. 31, 2019
Minimum
Derivative [Line Items]
Derivative, maturities	1 year
Maximum
Derivative [Line Items]
Derivative, maturities	7 years
Weighted average
Derivative [Line Items]
Derivative, maturities	2 years 4 months 24 days

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities - Impact of Derivative Instruments on AOCI (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative [Line Items]
2019	$ 3,115	$ (10,499)
Pay fixed/receive floating swaps on borrowings cash flow hedges
Derivative [Line Items]
2019	$ 3,115	$ (10,499)

Derivatives and Hedging Activ_7

Derivatives and Hedging Activities - Gains/(Losses) on Derivative Instruments in Fair Value and Cash Flow Accounting Hedging Relationships (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Interest income/(expense), including the effects of fair value and cash flow hedges	$ 142,146	$ 137,065
Interest expense during the year (including swap interest income and expense)	13,658	16,891
Interest rate contracts | Interest income on loans receivable | Fair value hedging
Gain/(loss) on fair value hedging relationships:
Amounts related to interest settlements on derivatives	(7)	19
Recognized on derivatives	4,692	(2,317)
Recognized on hedged items	(4,593)	2,279
Net income/(expense) recognized on fair value hedges	92	(19)
Interest rate contracts | Interest expense on FHLB advances | Cash flow hedging
Gain/(loss) on cash flow hedging relationships:
Amounts related to interest settlements on derivatives	(214)	(551)
Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense	0	0
Net income/(expense) recognized on cash flow hedges	$ (214)	$ (551)

Derivatives and Hedging Activ_8

Derivatives and Hedging Activities - Impact of Client Swap Program that are Not Designated in Accounting Hedges (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Client swap program hedges
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	$ 0	$ 0
Other noninterest income | Pay fixed/receive floating swap
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	5,408	(9,390)
Other noninterest income | Receive fixed/pay floating swap
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	$ (5,408)	$ 9,390

Revenue from Contracts with C_2

Revenue from Contracts with Customers - Additional Information (Details)	3 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Revenue streams percentage, contract with customer	4.40%	4.90%

Commitment and Contingencies -

Commitment and Contingencies - Operating Lease by Balance Sheet Grouping (Details) $ in Thousands	Dec. 31, 2019USD ($)
Commitments and Contingencies Disclosure [Abstract]
Operating lease asset	$ 30,220
Operating lease liability	$ 31,636

Commitment and Contingencies _2

Commitment and Contingencies - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Dec. 31, 2018	Sep. 30, 2018
Commitment and Contingencies [Line Items]
Weighted average remaining lease term	8 years 10 months 24 days
Weighted average discount rate	2.00%
Operating lease payments	$ 1,488
Right-of-use assets obtained in exchange for lease liabilities	2,083
Loans in process	1,312,282	$ 1,201,341
Allowance for loan losses	132,513	131,534	$ 131,165	$ 129,257
Unfunded Loan Commitment
Commitment and Contingencies [Line Items]
Allowance for loan losses	7,500	6,900
Loans and Leases Receivable
Commitment and Contingencies [Line Items]
Loans in process	$ 2,639,733	$ 2,379,089

Commitment and Contingencies _3

Commitment and Contingencies - Net Lease Costs (Details) $ in Thousands	3 Months Ended
	Dec. 31, 2019USD ($)
Commitments and Contingencies Disclosure [Abstract]
Operating lease cost	$ 1,602
Variable lease cost	220
Sublease income	(86)
Net lease cost	$ 1,736

Commitment and Contingencies _4

Commitment and Contingencies - Operating Lease Maturity (Details) $ in Thousands	Dec. 31, 2019USD ($)
Commitments and Contingencies Disclosure [Abstract]
remainder of 2020	$ 4,623
2021	5,693
2022	5,177
2023	4,518
2024	3,763
Thereafter	11,035
Total minimum payments	34,809
Amounts representing interest	(3,173)
Present value of minimum lease payments	$ 31,636

Commitment and Contingencies _5

Commitment and Contingencies - Future Minimum Lease Payments Prior to Adoption (Details) $ in Thousands	Sep. 30, 2019USD ($)
Commitments and Contingencies Disclosure [Abstract]
2020	$ 5,838
2021	5,246
2022	4,698
2023	4,302
2024	3,596
Thereafter	10,531
Total minimum payments	$ 34,211