Washington Federal (WAFD) 10-K 18 Nov 22 2022 FY Annual report Financial data

Cover Page

Cover Page - USD ($)	12 Months Ended
	Sep. 30, 2022	Nov. 17, 2022	Mar. 31, 2022
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2022
Current Fiscal Year End Date	--09-30
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 Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
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
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 2,111,858,464
Entity Common Stock, Shares Outstanding		65,309,580
Documents Incorporated by Reference	List hereunder the following documents incorporated by reference and the Part of Form 10-K into which the document is incorporated: (1) Portions of the Registrant’s definitive proxy statement for its Annual Meeting of Shareholders to be held on February 14, 2023 are incorporated into Part III, Items 10-14 of this Form 10-K.
Amendment Flag	false
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
Entity Central Index Key	0000936528
Common Stock, $1.00 par value per share
Document Information [Line Items]
Title of 12(b) Security	Common Stock, $1.00 par value per share
Trading Symbol	WAFD
Security Exchange Name	NASDAQ
Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock
Document Information [Line Items]
Title of 12(b) Security	Depositary Shares, Each Representing a 1/40th Interest in a Share of 4.875% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock
Trading Symbol	WAFDP
Security Exchange Name	NASDAQ

Audit Information

Audit Information	12 Months Ended
	Sep. 30, 2022
Audit Information [Abstract]
Auditor Firm ID	34
Auditor Name	Deloitte & Touche LLP
Auditor Location	Seattle, Washington

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
ASSETS
Cash and cash equivalents	$ 683,965	$ 2,090,809
Available-for-sale securities, at fair value	2,051,037	2,138,259
Held-to-maturity securities, at amortized cost	463,299	366,025
Loans receivable, net of allowance for loan losses of $172,808 and $171,300	16,113,564	13,833,570
Interest receivable	63,872	50,636
Premises and equipment, net	243,062	255,152
Real estate owned	6,667	8,204
FHLB & FRB stock	95,073	102,863
Bank owned life insurance	237,931	233,263
Intangible assets, including goodwill of $303,457 and $303,457	309,009	310,019
Federal and state income tax assets, net	0	3,877
Other assets	504,652	257,897
Total assets	20,772,131	19,650,574
Customer accounts
Transaction deposit accounts	12,691,527	12,108,025
Time deposit accounts	3,338,043	3,434,087
Customer accounts	16,029,570	15,542,112
FHLB advances	2,125,000	1,720,000
Advance payments by borrowers for taxes and insurance	50,051	47,016
Federal and state income tax liabilities, net	3,306	0
Accrued expenses and other liabilities	289,944	215,382
Total liabilities	18,497,871	17,524,510
Commitments and contingencies (see Note M)
Shareholders’ equity
Preferred stock, $1.00 par value, 5,000,000 shares authorized; 300,000 and 300,000 shares issued; 300,000 and 300,000 shares outstanding	300,000	300,000
Common stock, $1.00 par value, 300,000,000 shares authorized; 136,270,886 and 135,993,254 shares issued; 65,330,126 and 65,145,268 shares outstanding	136,271	135,993
Paid-in capital	1,686,975	1,678,622
Accumulated other comprehensive income (loss), net of taxes	52,481	69,785
Treasury stock, at cost; 70,940,760 and 70,847,986 shares	(1,590,207)	(1,586,947)
Retained earnings	1,688,740	1,528,611
Total stockholders’ equity	2,274,260	2,126,064
Total liabilities and shareholders’ equity	$ 20,772,131	$ 19,650,574

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Statement of Financial Position [Abstract]
Allowance for loan losses	$ 172,808	$ 171,300
Goodwill	$ 303,457	$ 303,457
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares issued (in shares)	300,000	300,000
Preferred stock, shares outstanding (in shares)	300,000	300,000
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)	136,270,886	135,993,254
Common stock, shares outstanding (in shares)	65,330,126	65,145,268
Treasury stock, shares (in shares)	70,940,760	70,847,986

Consolidated Statements of Oper

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
INTEREST INCOME
Loans receivable	$ 601,592	$ 537,660	$ 545,708
Mortgage-backed securities	26,332	24,708	49,312
Investment securities and cash equivalents	38,435	29,242	26,245
Total Income	666,359	591,610	621,265
INTEREST EXPENSE
Customer accounts	43,041	42,313	100,312
FHLB advances	28,729	44,188	51,445
Total interest expense	71,770	86,501	151,757
Net interest income	594,589	505,109	469,508
Provision (release) for credit losses	3,000	500	21,750
Net interest income after provision (release)	591,589	504,609	447,758
OTHER INCOME
Gain (loss) on sale of investment securities	99	14	15,028
Gain (loss) on termination of hedging derivatives	0	14,110	0
Prepayment penalty on long-term debt	0	(13,788)	(13,809)
Loan fee income	$ 7,168	$ 6,899	$ 7,293
Deposit fee income	Deposit Account [Member]	Deposit Account [Member]	Deposit Account [Member]
Deposit fee income	$ 25,942	$ 24,686	$ 23,691
Other income	33,163	28,640	54,757
Total other income	66,372	60,561	86,960
OTHER EXPENSE
Compensation and benefits	193,917	176,106	147,596
Occupancy	42,499	39,610	39,570
FDIC insurance premiums	9,531	14,368	10,939
Product delivery	19,536	18,505	17,010
Information technology	47,202	42,737	52,902
Other expense	45,890	41,133	47,541
Total other expense	358,575	332,459	315,558
Gain (loss) on real estate owned, net	651	427	26
Income before income taxes	300,037	233,138	219,186
Income tax expense	63,707	49,523	45,748
Net income	236,330	183,615	173,438
Dividends on preferred stock	14,625	10,034	0
Net income available to common shareholders, basic	221,705	173,581	173,438
Net income available to common shareholders, diluted	$ 221,705	$ 173,581	$ 173,438
PER SHARE DATA
Basic earnings per share (in dollars per share)	$ 3.40	$ 2.39	$ 2.26
Diluted earnings per share (in dollars per share)	3.39	2.39	2.26
Dividends paid on common stock per share (in dollars per share)	$ 0.95	$ 0.91	$ 0.87
Basic weighted average number of common shares outstanding (in shares)	65,287,650	72,529,188	76,721,969
Diluted weighted average number of common shares outstanding (in shares)	65,404,110	72,565,920	76,731,464

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 236,330	$ 183,615	$ 173,438
Other comprehensive income (loss), net of tax:
Net unrealized gain (loss) during the period on available-for-sale debt securities, net of tax of $36,908, $(2,020) and $(6,220)	(123,077)	6,762	20,528
Reclassification adjustment of net (gain) loss included in net income during the period from sale of available-for-sale securities, net of tax of $(23), $(3) and $3,456	76	11	(11,572)
Net unrealized gain (loss) from investment securities, net of reclassification adjustment	(123,001)	6,773	8,956
Net unrealized gain (loss) during the period on borrowing cash flow hedges, net of tax of $(31,805), $(17,003) and $2,204	105,697	56,924	(7,295)
Reclassification adjustment of net (gain) loss included in net income during the period from hedging derivatives, net of tax of $—, $3,245 and $0	0	(10,865)	0
Net unrealized gain (loss) in cash flow hedging instruments, net of reclassification adjustment	105,697	46,059	(7,295)
Other comprehensive income (loss)	(17,304)	52,832	1,661
Comprehensive income	$ 219,026	$ 236,447	$ 175,099

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Statement of Comprehensive Income [Abstract]
Related tax benefit (expense) for net unrealized gain (loss) on available-for-sale debt securities	$ 36,908	$ (2,020)	$ (6,220)
Related tax benefit (expense) for reclassification adjustment of net (gain) loss included in net income during the period from sale of available-for-sale securities	(23)	(3)	3,456
Related tax benefit (expense) for net unrealized gain (loss) on borrowing cash flow hedges	(31,805)	(17,003)	2,204
Related tax benefit (expense) for reclassification adjustment of net (gain) loss included in net income during the period from hedging derivatives	$ 0	$ 3,245	$ 0

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Preferred Stock	Common Stock	Paid-in Capital	Retained Earnings	Retained Earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Beginning balance at Sep. 30, 2019	$ 2,032,995	$ (21,945)	$ 0	$ 135,540	$ 1,672,417	$ 1,335,909	$ (21,945)	$ 15,292	$ (1,126,163)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	173,438					173,438
Other comprehensive income (loss)	1,661							1,661
Dividends on common stock	(66,496)					(66,496)
Proceeds from stock-based awards	144			8	136
Stock-based compensation expense	6,469			179	6,290
Treasury stock purchased	(112,133)								(112,133)
Ending balance at Sep. 30, 2020	2,014,133		0	135,727	1,678,843	1,420,906		16,953	(1,238,296)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	183,615					183,615
Other comprehensive income (loss)	52,832							52,832
Issuance of preferred stock, net	293,325		300,000		(6,675)
Dividends on common stock	(65,876)					(65,876)
Dividends on preferred stock	(10,034)					(10,034)
Proceeds from stock-based awards	339			20	319
Stock-based compensation expense	6,381			246	6,135
Treasury stock purchased	(348,651)								(348,651)
Ending balance at Sep. 30, 2021	$ 2,126,064		300,000	135,993	1,678,622	1,528,611		69,785	(1,586,947)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends on preferred stock per share (in dollars per share)	$ 33.45
Net income	$ 236,330					236,330
Other comprehensive income (loss)	(17,304)							(17,304)
Dividends on common stock	(61,576)					(61,576)
Dividends on preferred stock	(14,625)					(14,625)
Proceeds from stock-based awards	1,823			65	1,758
Stock-based compensation expense	6,808			213	6,595
Treasury stock purchased	(3,260)								(3,260)
Ending balance at Sep. 30, 2022	$ 2,274,260		$ 300,000	$ 136,271	$ 1,686,975	$ 1,688,740		$ 52,481	$ (1,590,207)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cash dividends on preferred stock per share (in dollars per share)	$ 48.75

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Statement of Stockholders' Equity [Abstract]
Cash dividends on common stock per share (in dollars per share)	$ 0.95	$ 0.91	$ 0.87
Cash dividends on preferred stock per share (in dollars per share)	$ 48.75	$ 33.45

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 236,330	$ 183,615	$ 173,438
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, accretion and other, net	64,050	33,914	39,912
Stock-based compensation expense	6,808	6,381	6,469
Provision (release) for credit losses	3,000	500	21,750
Loss (gain) on sale of investment securities	(99)	(14)	(15,028)
Prepayment penalty on early extinguishment of debt	0	13,788	13,809
Gain on early termination of long term borrowing hedge	0	(14,110)	0
Gain on settlements of bank owned life insurance	(1,385)	0	0
Impairment loss on premises and equipment	0	944	6,431
Net realized (gain) loss on sales of premises, equipment and real estate owned	655	(593)	(31,990)
Decrease (increase) in accrued interest receivable	(13,236)	3,163	(4,942)
Decrease (increase) in federal and state income tax receivable	3,877	1,831	(5,708)
Decrease (increase) in cash surrender value of bank owned life insurance	(5,549)	(5,514)	(5,673)
Decrease (increase) in other assets	(100,146)	155,599	(146,893)
Increase (decrease) in federal and state income tax liabilities	8,386	(15,781)	890
Increase (decrease) in accrued expenses and other liabilities	65,774	(49,269)	114,135
Net cash provided (used) by operating activities	268,465	314,454	166,600
CASH FLOWS FROM INVESTING ACTIVITIES
Origination of loans and principal repayments, net	(1,748,955)	(556,274)	(902,481)
Loans purchased	(576,697)	(488,147)	(15,456)
FHLB & FRB stock purchase	(293,800)	(296,073)	(435,200)
FHLB & FRB stock redeemed	301,590	335,200	417,200
Available-for-sale securities purchased	(587,942)	(530,227)	(1,064,815)
Principal payments and maturities of available-for-sale securities	510,156	646,532	493,402
Proceeds from sales of available-for-sale investment securities	5,020	1,499	204,351
Held-to-maturity securities purchased	(195,357)	0	0
Principal payments and maturities of held-to-maturity securities	95,326	332,001	356,532
Proceeds from sales of real estate owned	6,978	3,340	5,022
Proceeds from settlements of bank owned life insurance	2,266	0	0
Net cash received (paid) in business combinations	0	(1,500)	(2,810)
Proceeds from sales of premises and equipment	41	3,376	55,213
Premises and equipment purchased and REO improvements	(11,790)	(29,472)	(31,937)
Net cash provided (used) by investing activities	(2,493,164)	(579,745)	(920,979)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in customer accounts	487,458	1,762,488	1,788,860
Proceeds from borrowings	7,345,000	7,400,000	10,880,000
Repayments of borrowings	(6,940,000)	(8,393,788)	(10,443,809)
Proceeds from the early termination of long term borrowing hedge	0	14,110	0
Proceeds from stock-based awards	1,823	339	144
Proceeds from issuance of preferred stock, net	0	293,325	0
Dividends paid on common stock	(61,576)	(65,876)	(66,496)
Dividends paid on preferred stock	(14,625)	(6,378)	0
Treasury stock purchased	(3,260)	(348,651)	(112,133)
Increase (decrease) in advance payments by borrowers for taxes and insurance	3,035	(2,446)	(8,368)
Net cash provided (used) by financing activities	817,855	653,123	2,038,198
Increase (decrease) in cash and cash equivalents	(1,406,844)	387,832	1,283,819
Cash and cash equivalents at beginning of year	2,090,809	1,702,977	419,158
Cash and cash equivalents at end of year	683,965	2,090,809	1,702,977
Non-cash investing activities
Real estate acquired through foreclosure	73	221	1,765
Other personal property acquired through foreclosure	577	0	359
Non-cash financing activities
Preferred stock dividend payable	3,656	3,656
Cash paid during the year for
Interest	65,175	71,845	146,675
Income taxes	$ 35,098	$ 47,854	$ 35,640

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Company and nature of operations. Washington Federal Bank, a federally-insured Washington state chartered commercial 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 was formed as the Bank’s holding company in November, 1994. As used throughout this document, the terms “Washington Federal,” the “Company” or "we" or "us" and "our" refer to the Washington Federal, Inc. and its consolidated subsidiaries, and the term “Bank” refers to the operating subsidiary, Washington Federal Bank. The Company is headquartered in Seattle, Washington. The Bank conducts its activities through a network of 201 bank branches located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, New Mexico and Texas. Basis of presentation and use of estimates. The Company’s accounting and financial reporting policies conform to accounting principles generally accepted in the United States of America (U.S. GAAP). Inter-company balances and transactions have been eliminated in consolidation. In preparing the consolidated financial statements, the Company makes estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements and revenues and expenses during the reporting periods and related disclosures. The areas that require application of significant management judgments often result in the need to make estimates about the effect of matters that are inherently uncertain and may change in future periods. Actual results could differ materially from those estimates. Certain amounts in the financial statements from prior periods have been reclassified to conform to the current financial statement presentation. In certain instances, amounts in text are presented by rounding to the nearest thousand. The Company's fiscal year end is September 30. All references to 2022, 2021 and 2020 represent balances as of September 30, 2022, September 30, 2021, and September 30, 2020, or activity for the fiscal years then ended. Preferred stock. On February 8, 2021, in connection with an underwritten public offering, the Company issued 300,000 shares of 4.875% Noncumulative Perpetual Series A Preferred Stock (“Series A Preferred Stock”). Net proceeds, after underwriting discounts and expenses, were $293,325,000. The public offering consisted of the issuance and sale of 12,000,000 depositary shares, each representing a 1/40 th interest in a share of the Series A Preferred Stock, at a public offering price of $25.00 per depositary share. Holders of the depositary shares are entitled to all proportional rights and preferences of the Series A Preferred Stock (including, dividend, voting, redemption and liquidation rights). The depositary shares are traded on the NASDAQ Global Select Market under the symbol "WAFDP." The Series A Preferred Stock is redeemable at the option of the Company, subject to all applicable regulatory approvals, on or after April 15, 2026. Cash and cash equivalents. Cash and cash equivalents include cash on hand, amounts due from banks, overnight investments and repurchase agreements with an initial maturity of three months or less. 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 September 30, 2022. As of September 30, 2022 and September 30, 2021, the Company held counterparty cash collateral of $284,400,000 and pledged cash collateral of $1,500,000, respectively, related to derivative contracts. Equity securities - The Company records equity securities within Other assets in its Consolidated Statements of Financial Condition. These equity investments are accounted for under different methods. • Low-income housing tax credit investments are accounted for under the proportional amortization method in accordance with ASU 2014-1. • For other equity investments where the Company has significant influence, the Company applies the equity method of accounting, which adjusts the carrying value of the investment to recognize a proportionate share of the financial results of the investment entity, regardless of whether any distribution is made. Any adjustments to the fair value of these investments are recorded in Other income in the Consolidated Statements of Operations. • For other equity investments where neither ASU 2014-1 nor the equity method of accounting is applicable, the Company applies the fair value adjustment method of ASU 2016-1. Any adjustments to the fair value of these investments are recorded in Other income in the Consolidated Statements of Operations. Fair value is determined by reference to readily determinable market values if applicable. Equity investments that do not have readily determinable fair values (non-marketable) are generally accounted for at cost minus impairment, if any, plus or minus changes resulting from observable transactions involving the same or similar investments from the same issuer, also referred to as the measurement alternative. Under the NAV expedient for fair value measurement, equity investments in qualified real estate funds can use the net asset value (NAV) determined by the fund as fair value for the investment. At September 30, 2022, equity investments held by the Company and recorded at NAV had a carrying amount of $41,476,000 and a remaining unfunded commitment of $7,511,000. These NAV based investments cannot be transferred without consent and we do not have redemption rights. Equity investments measured at NAV are not classified in the fair value hierarchy. Debt securities, including mortgage-backed securities. The Company accounts for debt securities in two categories: held-to-maturity and available-for-sale. Premiums and discounts on debt securities are deferred and recognized into income over the contractual life of the asset using the effective interest method. Held-to-maturity securities are accounted for at amortized cost, but the Company must have both the positive intent and the ability to hold those securities to maturity. There are very limited circumstances under which securities in the held-to-maturity category can be sold without jeopardizing the cost basis of accounting for the remainder of the securities in this category. Available-for-sale securities are accounted for at fair value. Gains and losses realized on the sale of these securities are accounted for based on the specific identification method. Unrealized gains and losses for available-for-sale securities are excluded from earnings and reported net of the related tax effect in the accumulated other comprehensive income component of shareholders' equity. Allowance for Credit Losses (Held-to-Maturity Debt Securities). For held-to-maturity (“HTM”) debt securities, the Company is required to utilize a CECL methodology to estimate expected credit losses. Substantially all of the Company’s HTM debt securities are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government and have a long history of zero credit loss. Therefore, the Company did not record an allowance for credit losses for these securities. As September 30, 2022, the Company determined that the expected credit loss on its corporate and municipal bonds was immaterial, and therefore, an allowance for credit losses was not recorded. See Note C "Investment Securities" and Note F "Fair Value Measurements" for more information about HTM debt securities. Allowance for Credit Losses (Available-for-Sale Debt Securities). The impairment model for available-for-sale (“AFS”) debt securities differs from the CECL methodology applied for HTM debt securities because AFS debt securities are measured at fair value rather than amortized cost. Although ASC 326 replaced the legacy other-than-temporary impairment (“OTTI”) model with a credit loss model, it retained the fundamental nature of the legacy OTTI model. For AFS debt securities in an unrealized loss position, the Company first assesses whether it intends to sell, or it is more likely than not that it will be required to sell, the security before recovery of its amortized cost basis. If either criteria is met, the security’s amortized cost basis is written down to fair value through income. For AFS debt securities where neither of the criteria are met, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the credit rating of the security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited to the amount that the fair value is less than the amortized cost basis. Any remaining discount that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Under the new guidance, an entity may no longer consider the length of time fair value has been less than amortized cost. Changes in the allowance for credit losses are recorded as a provision (or release) for credit losses. Losses are charged against the allowance when management believes the uncollectibility of an AFS security is confirmed or when either of the criteria regarding intent or requirement to sell is met. As of September 30, 2022, the Company determined that the unrealized loss positions in AFS securities were not the result of credit losses, and therefore, an allowance for credit losses was not recorded. See Note C "Investment Securities" and Note F "Fair Value Measurements" for more information about AFS debt securities. Loans receivable. Loans that are performing in accordance with their contractual terms are carried at the unpaid principal balance, net of premiums, discounts and net deferred loan fees. Net deferred loan fees include nonrefundable loan origination fees less direct loan origination costs. Net deferred loan fees, premiums and discounts are amortized into interest income using either the interest method or straight-line method over the terms of the loans, adjusted for actual prepayments. In addition to fees and costs for originating loans, various other fees and charges related to existing loans may occur, including prepayment charges, late charges and assumption fees. When a borrower fails to make a required payment on a loan, the Bank attempts to cure the deficiency by contacting the borrower. Contact is made after a payment is 30 days past its grace period. In most cases, deficiencies are cured promptly. If the delinquency is not cured within 90 days, the Bank may institute appropriate action to foreclose on the property. If foreclosed, the property is sold at a public sale and may be purchased by the Bank. Allowance for Credit Losses (Loans Receivable). The Company applies FASB ASU 2016-13, Financial Instruments - Credit Losses ("ASC 326"), so the allowance calculation is based on current expected credit loss methodology ("CECL"). The Company maintains an allowance for credit losses (“ACL”) for the expected credit losses of the loan portfolio as well as unfunded loan commitments. The amount of ACL is based on ongoing, quarterly assessments by management. The CECL methodology requires an estimate of the credit losses expected over the life of an exposure (or pool of exposures) and replaces the incurred loss methodology’s threshold that delayed the recognition of a credit loss until it was probable a loss event was incurred. See Note E "Allowance for Losses on Loans" for details. The ACL consists of the allowance for loan losses and the reserve for unfunded commitments. The estimate of expected credit losses under the CECL methodology is based on relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amounts. Historical loss experience is generally the starting point for estimating expected credit losses. We then consider whether the historical loss experience should be adjusted for asset-specific risk characteristics or current conditions at the reporting date that did not exist over the period that historical experience was based for each loan type. Finally, we consider forecasts about future economic conditions or changes in collateral values that are reasonable and supportable. Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its ACL. The Company has designated two loan portfolio segments, commercial loans and consumer loans. These loan portfolio segments are further disaggregated into classes, which represent loans of similar type, risk characteristics, and methods for monitoring and assessing credit risk. The commercial loan portfolio segment is disaggregated into five classes: multi-family, commercial real estate, commercial and industrial, construction, and land acquisition and development. The risk of loss for the commercial loan portfolio segment is generally most indicated by the credit risk rating assigned to each borrower. Commercial loan risk ratings are determined by experienced senior credit officers based on specific facts and circumstances and are subject to periodic review by an independent internal team of credit specialists. The consumer loan portfolio segment is disaggregated into five classes: single-family-residential mortgage, custom construction, consumer lot loans, home equity lines of credit, and other consumer. The risk of loss for the consumer loan portfolio segment is generally most indicated by delinquency status and general economic factors. Each commercial and consumer loan portfolio class may also be further segmented based on risk characteristics. For most of our loan portfolio classes, the historical loss experience is determined using a cohort methodology. This method pools loans into groups (“cohorts”) sharing similar risk characteristics and tracks each cohort’s net charge-offs over the lives of the loans to calculate a historical loss rate. The historical loss rates for each cohort are then averaged to calculate an overall historical loss rate which is applied to the current loan balance to arrive at the quantitative baseline portion of the allowance for credit losses for the respective loan portfolio class. For certain loan portfolio classes, the Company determined there was not sufficient historical loss information to calculate a meaningful historical loss rate using the cohort methodology. For any such loan portfolio class, the weighted-average remaining maturity (“WARM”) methodology is being utilized until sufficient historical loss data is obtained. The WARM method multiplies an average annual loss rate by the expected remaining life of the loan pool to arrive at the quantitative baseline portion of the allowance for credit losses for the respective loan portfolio class. The Company also considers qualitative adjustments to the historical loss rate for each loan portfolio class. The qualitative adjustments for each loan class consider the conditions over the period from which historical loss experience was based and are split into two components: 1) asset or class specific risk characteristics or current conditions at the reporting date related to portfolio credit quality, remaining payments, volume and nature, credit culture and management, business environment or other management factors and 2) reasonable and supportable forecast of future economic conditions and collateral values. The Company performs a quarterly asset quality review which includes a review of forecasted gross charge-offs and recoveries, nonperforming assets, criticized loans, risk rating migration, delinquencies, etc. The asset quality review is performed by management and the results are used to consider a qualitative overlay to the quantitative baseline. The second qualitative adjustment noted above, economic conditions and collateral values, encompasses a one-year reasonable and supportable forecast period. The overlay adjustment for the reasonable and supportable forecast assumes an immediate reversion after the one-year forecast period to historical loss rates for the remaining life of the respective loan pool. When management deems it to be appropriate, the Company establishes a specific reserve for individually evaluated loans that do not share similar risk characteristics with the loans included in each respective loan pool. These individually evaluated loans are removed from their respective pools and typically represent collateral dependent loans but may also include other non-performing loans or troubled debt restructurings (“TDRs”). In addition, the Company individually evaluates “reasonably expected” TDRs, which are identified by the Company as a loan expected to be classified as a TDR within the next six months. Management judgment is utilized to make this determination. Troubled debt restructured loans ("TDRs"). The Company will consider modifying the interest rates and terms of a loan if it determines that a modification is a better alternative to foreclosure. Most TDRs are accruing and performing loans where the borrower has proactively approached the Company about modifications due to temporary financial difficulties. Each request is individually evaluated for merit and likelihood of success. The concession for these loans is typically a payment reduction through a rate reduction of 100 to 200 bps for a specific term, usually six Non-accrual loans. Loans are placed on nonaccrual status when, in the judgment of management, the probability of collection of interest is deemed to be insufficient to warrant further accrual. When a loan is placed on nonaccrual status, previously accrued but unpaid interest is deducted from interest income. The Company does not accrue interest on loans 90 days or more past due. If payment is made on a loan so that the loan becomes less than 90 days past due, and the Company expects full collection of principal and interest, the loan is returned to full accrual status. Any interest ultimately collected is credited to income in the period of recovery. A loan is charged-off when the loss is estimable and it is confirmed that the borrower is not expected to be able to meet contractual obligations. If a consumer loan is on non-accrual status before becoming a TDR it will stay on non-accrual status following restructuring until it has been performing for at least six months, at which point it may be moved to accrual status. If a loan is on accrual status before it becomes a TDR, and management concludes that full repayment is probable based on internal evaluation, it will remain on accrual status following restructuring. If the restructured consumer loan does not perform, it is placed on non-accrual status when it is 90 days delinquent. For commercial loans, six consecutive payments on newly restructured loan terms are required prior to returning the loan to accrual status. In some instances, after the required six consecutive payments are made, management will conclude that collection of the entire principal and interest due is still in doubt. In those instances, the loan will remain on non-accrual status. Accrued interest receivable. The Company has made the following elections regarding accrued interest receivable ("AIR"): • Presenting accrued interest receivable balances separately from their underlying instruments within the consolidated statements of financial condition. • Excluding accrued interest receivable that is included in the amortized cost of financing receivables from related disclosure requirements. • Continuing our policy to write off accrued interest receivable by reversing interest income in cases where the Company does not reasonably expect to receive payment. • Not measuring an allowance for credit losses for accrued interest receivable due to the Company’s policy of writing off uncollectible accrued interest receivable balances in a timely manner. We believe accrued interest receivable recorded as of September 30, 2022 is collectible. Off-balance-sheet credit exposures. The only material off-balance-sheet credit exposures are loans in process and unused lines of credit. The reserve for unfunded commitments is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized through provision for credit losses in the consolidated statements of income. The reserve for unfunded commitments represents the expected lifetime credit losses on off-balance sheet obligations such as commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments that are unconditionally cancellable by the Company. The reserve for unfunded commitments is determined by estimating future draws, including the effects of risk mitigation actions, and applying the expected loss rates on those draws. Loss rates are estimated by utilizing the same loss rates calculated for the allowance for credit losses related to the respective loan portfolio class. See Note M "Commitments and Contingencies" for details. Client swap program hedges. Interest rate swap agreements are provided to certain clients who desire to convert their obligations from variable to fixed interest rates. Under these agreements, the Bank enters into a variable-rate loan agreement with a customer in addition to a swap agreement, and then enters into a corresponding swap agreement with a third party in order to offset its exposure on the customer swap agreement. As the interest rate swap agreements with the customers and third parties are not designated as accounting hedges under FASB ASC 815, the instruments are marked to market in earnings. The change in fair value of the offsetting swaps are included in other noninterest income and there is no impact on net income. There is fee income earned on the swaps that is included in loan fee income. Borrowings cash flow hedges. The Company has entered into interest rate swaps to convert a series of future short-term borrowings to fixed-rate payments. These interest rate swaps qualify as cash flow hedging instruments under ASC 815 so gains and losses are recorded in Other Comprehensive Income to the extent the hedge is effective. Gains and losses on the interest rate swaps are reclassified from OCI to earnings in the period the hedged transaction affects earnings and are included in the same income statement line item that the hedged transaction is recorded. Mortgage loan "last-of-layer" portfolio hedges. The Company has entered into interest rate swaps to hedge the portion of the respective closed portfolios of prepayable mortgage loans that are expected to remain at the end of the hedge term. These hedges qualify as last-of-layer hedges under ASC 815 and provide for matching of the recognition of the gains and losses on the interest rate swap and the related hedged item. Commercial loan fair value hedges. The Company has entered into interest rate swaps to hedge long term fixed rate commercial loans. These hedges qualify as fair value hedges under ASC 815 and provide for matching of the recognition of the gains and losses on the interest rate swap and the related hedged loan. Premises and equipment. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on the straight-line method over the estimated useful lives of the respective assets. Costs for improvements are capitalized. Charges for ordinary maintenance and repairs are expensed to operations as incurred. Real estate owned. Real estate properties acquired through foreclosure of loans or through acquisitions are recorded initially at fair value less selling costs and are subsequently recorded at lower of cost or fair value. Costs for improvements are capitalized. Any gains (losses) and maintenance costs are recorded in Gain (loss) on real estate owned, net. Intangible assets. Goodwill represents the excess of the cost of businesses acquired over the fair value of the net assets acquired. Other intangibles, including core deposit intangibles, are acquired assets that lack physical substance but can be distinguished from goodwill. Goodwill is evaluated for impairment on an annual basis during the fourth quarter. Other intangible assets are amortized over their estimated lives and are subject to impairment testing when events or circumstances change. If circumstances indicate that the carrying value of the assets may not be recoverable, an impairment charge could be recorded. The Bank amortizes the core deposit intangibles over their estimated lives using an accelerated method. The table below provides detail regarding the Company's intangible assets. Goodwill Core Deposit and Other Intangibles Total (In thousands) Balance at September 30, 2020 $ 302,707 $ 7,199 $ 309,906 Additions 750 750 1,500 Amortization — (1,387) (1,387) Balance at September 30, 2021 303,457 6,562 310,019 Additions — — — Amortization — (1,010) (1,010) Balance at September 30, 2022 $ 303,457 $ 5,552 $ 309,009 The table below presents the estimated future amortization expense of core deposit and other intangibles for the next five years. Fiscal Year Expense (In thousands) 2023 $ 955 2024 921 2025 872 2026 829 2027 654 Income taxes. Income taxes are accounted for using the asset and liability method, which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the financial statements. Under this method, a deferred tax asset or liability is determined based on the temporary differences between the financial statement and corresponding tax treatment of income, gains, losses, deductions or credits using enacted tax rates in effect for the year in which the differences are expected to reverse. The provision for income taxes includes current and deferred income tax expense based on net income adjusted for temporary and permanent differences such as depreciation, loan loss reserve, tax-exempt interest, and affordable housing tax credits. Reserves for uncertain tax positions, together with any related interest and penalties, if applicable, and amortization of affordable housing tax credit investments are recorded within income tax expense. Accounting for stock-based compensation. We recognize in the statement of operations the grant-date fair value of stock options and other equity-based forms of compensation issued to employees over the employees' requisite service period (generally the vesting period). The requisite service period may be subject to performance conditions. Stock options and restricted stock awards generally vest ratably over two Certain grants of restricted stock are subject to performance-based and market-based vesting as well as other approved vesting conditions and cliff vest based on those conditions. Compensation expense is recognized over the service period to the extent restricted stock awards are expected to vest. See Note P "Stock Award Plans" for additional information. Business segments. As the Company manages its business and operations on a consolidated basis, management has determined that there is one reportable business segment. Regulatory matters. The Bank was previously subject to a Consent Order from the OCC for its BSA program that was issued in February 2018 (the “BSA Consent Order”). The BSA Consent Order resulted in the Bank incurring significant expenses to comply with it, including payment of a $2,500,000 civil money penalty. The OCC terminated the BSA Consent Order in December 2021. On October 9, 2013, the CFPB entered a Consent Order against the Bank that required the Bank to pay a civil money penalty of $34,000, and to adopt an enhanced compliance program related to reporting Home Mortgage Disclosure Act ("HMDA") data. The Bank has adopted an enhanced HMDA program, which continues to be subject to review by the CFPB. On October 27, 2020 the CFPB entered a second Consent Order against the Bank for violations related to the Bank’s HMDA reporting obligations. The 2020 Consent Order required the Bank to pay a $200,000 civil money penalty and develop and implement a HMDA compliance management system. Both HMDA Consent Orders remain in place. Subsequent events. On November 13, 2022, the Company announced that it had entered into a definitive merger agreement pursuant to which it will acquire Luther Burbank Corporation (NASDAQ: LBC, “Luther Burbank”) and its wholly-owned subsidiary, Luther Burbank Savings, in an all-stock transaction valued at approximately $654 million based upon the closing price of Washington Federal’s common stock on November 11, 2022. Upon closing of the transaction, which was unanimously approved by the boards of directors of each of Washington Federal and Luther Burbank, and is subject to shareholder and regulatory approval and other customary closing conditions, Luther Burbank shareholders will be entitled to receive 0.3353 shares of Washington Federal common stock for each share of Luther Burbank common stock they own. The transaction, which is anticipated to close as early as the second calendar quarter of 2023, will expand Washington Federal’s franchise into California. The Company has evaluated subsequent events for adjustment to or disclosure in the Company’s consolidated financial statements through the date of this report and has not identified any other recordable or disclosable events.

New Accounting Pronouncements

New Accounting Pronouncements	12 Months Ended
	Sep. 30, 2022
Accounting Changes and Error Corrections [Abstract]
New Accounting Pronouncements	NEW ACCOUNTING PRONOUNCEMENTS In March 2020, the Financial Accounting Standards Board (“FASB”) issued ASU 2020-04, Reference Rate Reform (Topic 848). The amendments in this ASU provide temporary, optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying GAAP to transactions affected by reference rate reform if certain criteria are met. The ASU primarily includes relief related to contract modifications and hedging relationships, as well as providing a one-time election for the sale or transfer of debt securities classified as held-to-maturity. This guidance is effective immediately and the amendments may be applied prospectively through December 31, 2022. The Company has evaluated the regulatory requirements to cease the use of LIBOR and has put in place systems and capabilities for this purpose. The adoption of this ASU is not expected to have a material impact on the Company's consolidated financial statements. In March 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815) . The amendments in this ASU clarify the guidance on ASC 815 on fair value hedge accounting of interest rate risk for portfolios and financial assets. Among other things, the amended guidance establishes the "last-of-layer" method for making the fair value hedge accounting for these portfolios more accessible and renames that method the "portfolio layer" method. The amendments in this ASU are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We do not expect the amendments to have a material effect on our consolidated financial statements. In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (Topic 326) . The amendments in this ASU eliminate the guidance on troubled debt restructurings while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors made to borrowers experiencing financial difficulties. The ASU also requires that entities disclose current-period gross charge-offs by year of origination for loans and leases. The amendments in this ASU are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We do not expect the amendments to have a material effect on our consolidated financial statements.

Investment Securities

Investment Securities	12 Months Ended
	Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Investment Securities	INVESTMENT SECURITIES The tables below provide detail regarding the amortized cost and fair value of available-for-sale and held-to-maturity investment securities. September 30, 2022 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 1 to 5 years $ 40,403 $ — $ (1,049) $ 39,354 3.03 % Asset-backed securities 1 to 5 years 22,527 — (1,141) 21,386 3.27 5 to 10 years 82,962 4 (547) 82,419 3.53 Over 10 years 668,482 783 (6,069) 663,196 3.86 Corporate debt securities due Within 1 year 75,000 4 (200) 74,804 3.74 1 to 5 years 151,411 — (2,748) 148,663 3.59 5 to 10 years 114,414 — (24,124) 90,290 3.87 Municipal bonds due 5 to 10 years 5,751 — (361) 5,390 3.00 Over 10 years 29,871 400 (699) 29,572 5.85 Mortgage-backed securities Agency pass-through certificates 971,916 117 (76,070) 895,963 2.81 2,162,737 1,308 (113,008) 2,051,037 3.36 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 463,299 22 (56,461) 406,860 2.88 463,299 22 (56,461) 406,860 2.88 $ 2,626,036 $ 1,330 $ (169,469) $ 2,457,897 3.28 % September 30, 2021 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 1 to 5 years 47,339 240 — 47,579 0.44 % 5 to 10 years $ 14,064 $ 136 $ — $ 14,200 2.05 Asset-backed securities 1 to 5 years 19,730 — (434) 19,296 0.52 5 to 10 years 71,207 412 (97) 71,522 0.57 Over 10 years 973,892 14,069 (98) 987,863 0.94 Corporate debt securities due Within 1 year 225,928 7,860 — 233,788 1.57 1 to 5 years 86,802 1,345 — 88,147 4.64 5 to 10 years 28,804 249 — 29,053 1.95 Municipal bonds due Within 1 year 1,493 17 — 1,510 — 5 to 10 years 5,781 294 — 6,075 0.22 Over 10 years 29,909 2,490 — 32,399 5.85 Mortgage-backed securities Agency pass-through certificates 585,121 23,717 (2,011) 606,827 2.60 2,090,070 50,829 (2,640) 2,138,259 1.69 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 366,025 13,522 — 379,547 3.17 366,025 13,522 — 379,547 3.17 $ 2,456,095 $ 64,351 $ (2,640) $ 2,517,806 1.89 % The Company purchased $587,942,000 of available-for-sale investment securities and $195,357,000 held-to-maturity investment securities during 2022. Sales of available-for-sale securities totaled $5,020,000 and there were no sales of held-to-maturity investment securities in 2022. Substantially all mortgage-backed securities have contractual due dates that exceed 25 years. The Company elected to exclude AIR from the amortized cost basis of debt securities disclosed throughout this footnote. For AFS securities, AIR totaled $5,694,000 and $3,459,000 as of September 30, 2022 and September 30, 2021, respectively. For HTM debt securities, AIR totaled $1,108,000 and $944,000 as of September 30, 2022 and September 30, 2021, respectively. AIR is included in the “ interest receivable The following tables show the gross unrealized losses and fair value of securities as of September 30, 2022 and September 30, 2021, by length of time that individual securities in each category have been in a continuous loss position. There were 223 and 31 securities with an unrealized loss as of September 30, 2022 and September 30, 2021, respectively. 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 impaired. September 30, 2022 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ (27,072) $ 288,753 $ — $ — $ (27,072) $ 288,753 Municipal bonds (1,061) 14,561 — — (1,061) 14,561 U.S. government and agency securities (1,049) 39,354 — — (1,049) 39,354 Asset-backed securities (6,374) 601,248 (1,383) 50,070 (7,757) 651,318 Mortgage-backed securities (63,738) 833,683 (12,331) 53,533 (76,069) 887,216 (99,294) 1,777,599 (13,714) 103,603 (113,008) 1,881,202 Held-to-maturity securities Mortgage-backed securities (56,461) 405,166 — — (56,461) 405,166 $ (155,755) $ 2,182,765 $ (13,714) $ 103,603 $ (169,469) $ 2,286,368 September 30, 2021 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Asset-backed securities $ (15) $ 4,639 $ (614) $ 70,058 $ (629) $ 74,697 Mortgage-backed securities (1,569) 47,758 (442) 32,266 (2,011) 80,024 (1,584) 52,397 (1,056) 102,324 (2,640) 154,721 Held-to-maturity securities Mortgage-backed securities — — — — — — $ (1,584) $ 52,397 $ (1,056) $ 102,324 $ (2,640) $ 154,721 Substantially all of the Company’s held-to-maturity debt securities are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government and have a long history of zero credit loss. Therefore, the Company did not record an allowance for credit losses for these securities as of September 30, 2022 or September 30, 2021. The Company does not believe that the available-for-sale debt securities that were in an unrealized loss position have any credit loss impairment as of September 30, 2022 or September 30, 2021. The Company does not intend to sell the investment securities that were in an unrealized loss position and it is not more likely than not that the Company will be required to sell the investment securities before recovery of their amortized cost basis, which may be at maturity. Available-for-sale debt securities issued by U.S. government agencies or U.S. government-sponsored enterprises carry the explicit and/or implicit guarantee of the U.S. government and have a long history of zero credit loss. The issuers of the corporate debt securities and municipal bonds held are considered to be of high credit quality (rated AA or higher) and the decline in fair value is due to changes in interest rates and other market conditions. The issuers continue to make timely principal and interest payments on the bonds. The fair value is expected to recover as the bonds approach maturity.

Loans Receivable

Loans Receivable	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Loans Receivable	LOANS RECEIVABLE For a detailed discussion of loans and credit quality, including accounting policies and the CECL methodology used to estimate the allowance for credit losses, see Note A "Summary of Significant Accounting Policies" above. The Company's loans held for investment are divided into two portfolio segments, commercial loans and consumer loans, with each of those segments further split into loan classes for purposes of estimating the allowance for credit losses. The following table is a summary of loans receivable by loan portfolio segment and class. September 30, 2022 September 30, 2021 ($ in thousands) ($ in thousands) Gross loans by category Commercial loans Multi-family $ 2,645,801 13.7 % $ 2,291,477 14.0 % Commercial real estate 3,133,660 16.2 2,443,845 15.0 Commercial & industrial (1) 2,350,984 12.1 2,314,654 14.2 Construction 3,784,388 19.5 2,888,214 17.7 Land - acquisition & development 291,301 1.5 222,457 1.4 Total commercial loans 12,206,134 63.0 10,160,647 62.3 Consumer loans Single-family residential 5,771,862 29.8 4,951,627 30.4 Construction - custom 974,652 5.0 783,221 4.8 Land - consumer lot loans 153,240 0.8 149,956 0.9 HELOC 203,528 1.0 165,989 1.0 Consumer 75,543 0.4 87,892 0.5 Total consumer loans 7,178,825 37.0 6,138,685 37.7 Total gross loans 19,384,959 100 % 16,299,332 100 % Less: Allowance for loan losses 172,808 171,300 Loans in process 3,006,023 2,232,836 Net deferred fees, costs and discounts 92,564 61,626 Total loan contra accounts 3,271,395 2,465,762 Net loans $ 16,113,564 $ 13,833,570 (1) Includes $10,237,000 and $311,795,000 of SBA Payroll Protection Program loans as of September 30, 2022 and September 30, 2021, respectively. The Company elected to exclude AIR from the amortized cost basis of loans for disclosure purposes and from the calculations of estimated credit losses. As of September 30, 2022 and September 30, 2021, AIR for loans totaled $57,070,000 and $46,234,000, respectively, and is included in the “ accrued interest receivable Loans in the amount of $8,224,951,000 and $5,930,015,000 at September 30, 2022 and September 30, 2021, respectively, were pledged to secure borrowings from the FHLB as part of our liquidity management strategy. The FHLB does not have the right to sell or re-pledge these loans. The following summary breaks down the Company's fixed rate and adjustable rate loans by time to maturity or to rate adjustment. See Note G for details regarding fair value 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. September 30, 2022 Fixed-Rate Adjustable-Rate Term To Maturity Loans % of Loans Term To Rate Adjustment Loans % of Loans (In thousands) (In thousands) Within 1 year $ 146,178 0.9 % Less than 1 year $ 4,930,819 30.3 % 1 to 3 years 459,554 2.8 1 to 3 years 474,147 2.9 3 to 5 years 979,946 6.0 3 to 5 years 415,388 2.6 5 to 10 years 2,232,082 13.7 5 to 10 years 108,678 0.7 10 to 20 years 1,171,724 7.2 10 to 20 years 4 — Over 20 years 5,367,852 33.0 Over 20 years — — $ 10,357,336 63.6 % $ 5,929,036 36.4 % The Company has granted loans to officers and directors of the Company and related interests. These loans are made on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than the normal risk of collectability. The aggregate dollar amount of these loans, including unfunded commitments to lend, was $144,178,000 and $142,806,000 at September 30, 2022 and 2021, respectively. As of September 30, 2022, all of these loans were performing in accordance with contractual terms. The following table sets forth the amortized cost basis of loans receivable for non-accrual loans and loans 90 days or more past due and still accruing. September 30, 2022 September 30, 2021 (In thousands, except ratio data) Non-accrual Non-accrual with no ACL 90 days or more past due and accruing Non-accrual Non-accrual with no ACL 90 days or more past due and accruing Commercial loans Multi-family $ 5,912 $ — $ — $ 475 $ — $ — Commercial real estate 4,691 — — 8,038 — — Commercial & industrial 5,693 1,308 — 365 30 — Construction — — — 505 — — Land - acquisition & development — — — 2,340 — — Total commercial loans 16,296 1,308 — 11,723 30 — Consumer loans Single-family residential 17,450 — — 19,320 — — Construction - custom 435 — — — — — Land - consumer lot loans 84 — — 359 — — HELOC 233 — — 287 — — Consumer 36 — — 60 — — Total consumer loans 18,238 — — 20,026 — — Total loans $ 34,534 $ 1,308 $ — $ 31,749 $ 30 $ — % of total loans 0.21 % 0.23 % The following tables break down loan delinquencies by loan portfolio segment and class. September 30, 2022 Days Delinquent Based on $ Amount of Loans % based Loan type Loans Receivable (Amortized Cost) Current 30 60 90 Total Past Due ($ in thousands) Commercial loans Multi-Family $ 2,626,479 $ 2,626,479 $ — $ — $ — $ — — % Commercial Real Estate 3,111,112 3,110,056 538 450 68 1,056 0.03 Commercial & Industrial 2,343,403 2,336,791 — 919 5,693 6,612 0.28 Construction - Speculative 1,423,891 1,423,891 — — — — Land - Acquisition & Development 223,616 223,616 — — — — — Total commercial loans 9,728,501 9,720,833 538 1,369 5,761 7,668 0.08 Consumer loans Single-Family Residential 5,726,979 5,708,996 2,796 1,316 13,871 17,983 0.31 Construction - Custom 397,343 396,908 — — 435 435 0.11 Land - Consumer Lot Loans 151,945 151,746 — 139 60 199 0.13 HELOC 206,033 205,605 155 46 227 428 0.21 Consumer 75,571 75,357 162 17 35 214 0.28 Total consumer loans 6,557,871 6,538,612 3,113 1,518 14,628 19,259 0.29 Total Loans $ 16,286,372 $ 16,259,445 $ 3,651 $ 2,887 $ 20,389 $ 26,927 0.17 % Delinquency % 99.83 % 0.02 % 0.02 % 0.13 % 0.17 % September 30, 2021 Days Delinquent Based on $ Amount of Loans % based Loan type Loans Receivable (Amortized Cost) Current 30 60 90 Total Past Due ($ in thousands) Commercial loans Multi-Family $ 2,273,689 $ 2,273,214 $ — $ — $ 475 $ 475 0.02 % Commercial Real Estate 2,429,332 2,428,014 971 64 283 1,318 0.05 Commercial & Industrial 2,303,927 2,303,605 — — 322 322 0.01 Construction - Speculative 1,117,227 1,117,186 — — 41 41 — Land - Acquisition & Development 192,416 190,076 — — 2,340 2,340 1.22 Total commercial loans 8,316,591 8,312,095 971 64 3,461 4,496 0.05 Consumer loans Single-Family Residential 4,937,064 4,915,749 3,627 2,165 15,523 21,315 0.43 Construction - Custom 347,752 347,752 — — — — — Land - Consumer Lot Loans 148,534 147,952 5 307 270 582 0.39 HELOC 166,940 166,627 47 — 266 313 0.19 Consumer 87,989 87,727 152 59 51 262 0.30 Total consumer loans 5,688,279 5,665,807 3,831 2,531 16,110 22,472 0.40 Total Loans $ 14,004,870 $ 13,977,902 $ 4,802 $ 2,595 $ 19,571 $ 26,968 0.19 % Delinquency % 99.81 % 0.03 % 0.02 % 0.14 % 0.19 % The Company has actively worked with its borrowers to modify consumer mortgage and commercial loans to provide payment deferrals as a result of the COVID-19 pandemic. The terms of the payment deferrals are generally 90 days for consumer mortgage loans and up to 180 days for commercial loans, and borrowers may be eligible for multiple deferrals. Pursuant to the Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) passed by Congress, these loan modifications are not accounted for as TDRs. In total, 1,472 consumer loans and 221 commercial loans were approved for deferrals. As of September 30, 2022, 1 mortgage loan totaling $64,000 and no commercial loans that had been modified remain in deferral. These loans are not considered past due until after the deferral period is over and scheduled payments have resumed. The Company participated in the Small Business Administration’s Paycheck Protection Program. This program came about through the CARES Act to help small businesses keep their employees employed through the COVID-19 shelter in place orders. The Company assisted over 9,000 businesses with approximately $1,085,000,000 in PPP loan originations. As of September 30, 2022, approximately 8,800 PPP loans totaling $1,075,000,000 have been forgiven by the SBA and we continued to hold PPP loans receivable with an amortized cost of $10,141,000. Most TDRs are accruing and performing loans where the borrower has proactively approached the Company about modifications due to temporary financial difficulties. Each request is individually evaluated for merit and likelihood of success. The concession for these loans is typically a payment reduction through a rate reduction of 100 to 200 bps for a specific term, usually six We evaluate the credit quality of our commercial loans based on regulatory risk ratings and also consider other factors. Based on this evaluation, 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 present by credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of September 30, 2022 and September 30, 2021. September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2022 2021 2020 2019 2018 Prior to 2018 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 657,144 $ 778,936 $ 500,917 $ 168,568 $ 157,144 $ 315,858 $ 34,102 $ — $ 2,612,669 Substandard 3,951 — 1,729 — 6,560 1,570 — — 13,810 Total $ 661,095 $ 778,936 $ 502,646 $ 168,568 $ 163,704 $ 317,428 $ 34,102 $ — $ 2,626,479 Commercial real estate Pass $ 820,490 $ 679,321 $ 492,826 $ 301,033 $ 218,171 $ 541,008 $ 1,391 $ — $ 3,054,240 Special Mention — 1,594 — — — — — — 1,594 Substandard 259 — 6,074 30,579 4,857 10,923 2,586 — 55,278 Total $ 820,749 $ 680,915 $ 498,900 $ 331,612 $ 223,028 $ 551,931 $ 3,977 $ — $ 3,111,112 Commercial & industrial Pass $ 254,668 $ 435,630 $ 145,799 $ 39,102 $ 25,709 $ 197,909 $ 1,097,696 $ 255 $ 2,196,768 Special Mention 2,503 — — — — — 29,153 — 31,656 Substandard 2,021 12,639 9,803 5,029 1,213 25,519 58,755 — 114,979 Total $ 259,192 $ 448,269 $ 155,602 $ 44,131 $ 26,922 $ 223,428 $ 1,185,604 $ 255 $ 2,343,403 Construction Pass $ 510,764 $ 671,611 $ 142,816 $ 27,260 $ 375 $ — $ 68,808 $ — $ 1,421,634 Substandard — 2,257 — — — — — — 2,257 Total $ 510,764 $ 673,868 $ 142,816 $ 27,260 $ 375 $ — $ 68,808 $ — $ 1,423,891 Land - acquisition & development Pass $ 100,022 $ 64,539 $ 16,934 $ 3,391 $ 8,175 $ 27,955 $ 2,600 $ — $ 223,616 Total $ 100,022 $ 64,539 $ 16,934 $ 3,391 $ 8,175 $ 27,955 $ 2,600 $ — $ 223,616 Total commercial loans Pass $ 2,343,088 $ 2,630,037 $ 1,299,292 $ 539,354 $ 409,574 $ 1,082,730 $ 1,204,597 $ 255 $ 9,508,927 Special Mention 2,503 1,594 — — — — 29,153 — 33,250 Substandard 6,231 14,896 17,606 35,608 12,630 38,012 61,341 — 186,324 Total $ 2,351,822 $ 2,646,527 $ 1,316,898 $ 574,962 $ 422,204 $ 1,120,742 $ 1,295,091 $ 255 $ 9,728,501 September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2022 2021 2020 2019 2018 Prior to 2018 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 1,131,152 $ 1,652,242 $ 771,769 $ 320,546 $ 276,093 $ 1,557,194 $ — $ — $ 5,708,996 30 days past due — — 400 604 — 1,792 — — 2,796 60 days past due — — — — — 1,316 — — 1,316 90+ days past due — — — 477 — 13,394 — — 13,871 Total $ 1,131,152 $ 1,652,242 $ 772,169 $ 321,627 $ 276,093 $ 1,573,696 $ — $ — $ 5,726,979 Construction - custom Current $ 235,030 $ 150,434 $ 9,811 $ 1,155 $ 478 $ — $ — $ — $ 396,908 90+ days past due — 435 — — — — — — 435 Total $ 235,030 $ 150,869 $ 9,811 $ 1,155 $ 478 $ — $ — $ — $ 397,343 Land - consumer lot loans Current $ 53,396 $ 60,454 $ 15,876 $ 5,399 $ 3,433 $ 13,188 $ — $ — $ 151,746 60 days past due — — 139 — — — — — 139 90+ days past due — — — — — 60 — — 60 Total $ 53,396 $ 60,454 $ 16,015 $ 5,399 $ 3,433 $ 13,248 $ — $ — $ 151,945 HELOC Current $ — $ — $ — $ — $ — $ 4,349 $ 200,267 $ 989 $ 205,605 30 days past due — — — — — 95 60 — 155 60 days past due — — — — — 29 17 — 46 90+ days past due — — — — — — 227 — 227 Total $ — $ — $ — $ — $ — $ 4,473 $ 200,571 $ 989 $ 206,033 Consumer Current $ 1,386 $ 10,156 $ 8,038 $ 215 $ 23,919 $ 6,449 $ 25,194 $ — $ 75,357 30 days past due — — — 2 — 153 7 — 162 60 days past due — — — — — 17 — — 17 90+ days past due 1 — — 32 — 2 — — 35 Total $ 1,387 $ 10,156 $ 8,038 $ 249 $ 23,919 $ 6,621 $ 25,201 $ — $ 75,571 Total consumer loans Current $ 1,420,964 $ 1,873,286 $ 805,494 $ 327,315 $ 303,923 $ 1,581,180 $ 225,461 $ 989 $ 6,538,612 30 days past due — — 400 606 — 2,040 67 — 3,113 60 days past due — — 139 — — 1,362 17 — 1,518 90+ days past due 1 435 — 509 — 13,456 227 — 14,628 Total $ 1,420,965 $ 1,873,721 $ 806,033 $ 328,430 $ 303,923 $ 1,598,038 $ 225,772 $ 989 $ 6,557,871 September 30, 2021 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2021 2020 2019 2018 2017 Prior to 2017 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 796,231 $ 479,038 $ 220,483 $ 205,661 $ 217,203 $ 287,595 $ 46,184 $ — $ 2,252,395 Special Mention — 1,763 — 3,111 — — — — 4,874 Substandard — — 7,548 651 3,703 4,518 — — 16,420 Total $ 796,231 $ 480,801 $ 228,031 $ 209,423 $ 220,906 $ 292,113 $ 46,184 $ — $ 2,273,689 Commercial real estate Pass $ 650,457 $ 434,117 $ 270,174 $ 260,344 $ 216,564 $ 339,374 $ 3,109 $ 247 $ 2,174,386 Special Mention — — 4,419 32,931 — 20,275 — — 57,625 Substandard — 8,362 71,972 17,290 46,800 51,800 1,097 — 197,321 Total $ 650,457 $ 442,479 $ 346,565 $ 310,565 $ 263,364 $ 411,449 $ 4,206 $ 247 $ 2,429,332 Commercial & industrial Pass $ 687,597 $ 224,225 $ 50,054 $ 38,595 $ 75,674 $ 155,171 $ 864,669 $ 12,167 $ 2,108,152 Special Mention 5,947 3,287 6,302 — — — 32,588 — 48,124 Substandard 71 46,695 2,690 4,589 37 17,093 76,217 259 147,651 Total $ 693,615 $ 274,207 $ 59,046 $ 43,184 $ 75,711 $ 172,264 $ 973,474 $ 12,426 $ 2,303,927 Construction Pass $ 402,578 $ 362,799 $ 214,189 $ 44,257 $ 15,656 $ — $ 76,312 $ — $ 1,115,791 Special Mention 931 — — — — — — — 931 Substandard — 464 — — 41 — — — 505 Total $ 403,509 $ 363,263 $ 214,189 $ 44,257 $ 15,697 $ — $ 76,312 $ — $ 1,117,227 Land - acquisition & development Pass $ 89,770 $ 37,773 $ 14,070 $ 15,835 $ 13,635 $ 16,393 $ 2,600 $ — $ 190,076 Substandard — — — — 2,340 — — — 2,340 Total $ 89,770 $ 37,773 $ 14,070 $ 15,835 $ 15,975 $ 16,393 $ 2,600 $ — $ 192,416 Total commercial loans Pass $ 2,626,633 $ 1,537,952 $ 768,970 $ 564,692 $ 538,732 $ 798,533 $ 992,874 $ 12,414 $ 7,840,800 Special Mention 6,878 5,050 10,721 36,042 — 20,275 32,588 — 111,554 Substandard 71 55,521 82,210 22,530 52,921 73,411 77,314 259 364,237 Total $ 2,633,582 $ 1,598,523 $ 861,901 $ 623,264 $ 591,653 $ 892,219 $ 1,102,776 $ 12,673 $ 8,316,591 September 30, 2021 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2021 2020 2019 2018 2017 Prior to 2017 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 1,309,354 $ 824,827 $ 413,564 $ 352,070 $ 395,569 $ 1,620,365 $ — $ — $ 4,915,749 30 days past due 3 — 349 59 391 2,825 — — 3,627 60 days past due — — — — — 2,165 — — 2,165 90+ days past due — — — 115 169 15,239 — — 15,523 Total $ 1,309,357 $ 824,827 $ 413,913 $ 352,244 $ 396,129 $ 1,640,594 $ — $ — $ 4,937,064 Construction - custom Current $ 204,614 $ 139,175 $ 2,854 $ 1,109 $ — $ — $ — $ — $ 347,752 Total $ 204,614 $ 139,175 $ 2,854 $ 1,109 $ — $ — $ — $ — $ 347,752 Land - consumer lot loans Current $ 85,342 $ 28,415 $ 9,012 $ 4,454 $ 5,404 $ 15,325 $ — $ — $ 147,952 30 days past due — — — — — 5 — — 5 60 days past due — 142 — — — 165 — — 307 90+ days past due — — — — 116 154 — — 270 Total $ 85,342 $ 28,557 $ 9,012 $ 4,454 $ 5,520 $ 15,649 $ — $ — $ 148,534 HELOC Current $ — $ — $ — $ — $ — $ 4,764 $ 160,183 $ 1,680 $ 166,627 30 days past due — — — — — 31 16 — 47 90+ days past due — — — — — 30 236 — 266 Total $ — $ — $ — $ — $ — $ 4,825 $ 160,435 $ 1,680 $ 166,940 Consumer Current $ 12,091 $ 8,091 $ 606 $ 35,228 $ 36 $ 10,700 $ 20,975 $ — $ 87,727 30 days past due — — 13 — 54 82 3 — 152 60 days past due — — 4 — — 55 — — 59 90+ days past due — — 35 — — 16 — — 51 Total $ 12,091 $ 8,091 $ 658 $ 35,228 $ 90 $ 10,853 $ 20,978 $ — $ 87,989 Total consumer loans Current $ 1,611,401 $ 1,000,508 $ 426,036 $ 392,861 $ 401,009 $ 1,651,154 $ 181,158 $ 1,680 $ 5,665,807 30 days past due 3 — 362 59 445 2,943 19 — 3,831 60 days past due — 142 4 — — 2,385 — — 2,531 90+ days past due — — 35 115 285 15,439 236 — 16,110 Total $ 1,611,404 $ 1,000,650 $ 426,437 $ 393,035 $ 401,739 $ 1,671,921 $ 181,413 $ 1,680 $ 5,688,279

Allowance for Loan Losses

Allowance for Loan Losses	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Allowance for Loan Losses	ALLOWANCE FOR LOAN LOSSES For a detailed discussion of loans and credit quality, including accounting policies and the CECL methodology used to estimate the allowance for credit losses, see Note A, "Summary of Significant Accounting Policies." The following tables summarize the activity in the allowance for loan losses by loan portfolio segment and class. Twelve Months Ended September 30, 2022 Beginning Charge-offs Recoveries Provision & Ending Allowance (In thousands) Commercial loans Multi-family $ 16,949 $ — $ — $ (4,936) $ 12,013 Commercial real estate 23,437 (529) 984 1,922 25,814 Commercial & industrial 45,957 (1,202) 73 12,382 57,210 Construction - speculative 25,585 — 2,179 (1,603) 26,161 Land - acquisition & development 13,447 (11) 70 (1,228) 12,278 Total commercial loans 125,375 (1,742) 3,306 6,537 133,476 Consumer loans Single-family residential 30,978 — 1,002 (6,462) 25,518 Construction - custom 4,907 — — (1,497) 3,410 Land - consumer lot loans 4,939 (27) 48 87 5,047 HELOC 2,390 — 351 (259) 2,482 Consumer 2,711 (370) 940 (406) 2,875 Total consumer loans 45,925 (397) 2,341 (8,537) 39,332 $ 171,300 $ (2,139) $ 5,647 $ (2,000) $ 172,808 Twelve Months Ended September 30, 2021 Beginning Allowance Charge-offs Recoveries Provision & Ending Allowance (In thousands) Commercial loans Multi-family $ 13,853 $ — $ — $ 3,096 $ 16,949 Commercial real estate 22,516 — 2,789 (1,868) $ 23,437 Commercial & industrial 38,665 (31) 92 7,231 $ 45,957 Construction - speculative 24,156 — — 1,429 $ 25,585 Land - acquisition & development 10,733 (2) 622 2,094 $ 13,447 Total commercial loans 109,923 (33) 3,503 11,982 125,375 Consumer loans Single-family residential 45,186 (106) 2,026 (16,128) 30,978 Construction - custom 3,555 — — 1,352 4,907 Land - consumer lot loans 2,729 — 168 2,042 4,939 HELOC 2,571 — 52 (233) 2,390 Consumer 2,991 (286) 1,021 (1,015) 2,711 Total consumer loans 57,032 (392) 3,267 (13,982) 45,925 $ 166,955 $ (425) $ 6,770 $ (2,000) $ 171,300 The Company recorded a provision for credit losses of $3,000,000 in 2022, compared to a provision of $500,000 for 2021. In 2022, provisioning for net growth in the loan portfolio was mostly offset by improvements in the credit quality of certain loan portfolios related to strong real estate markets and collateral conditions. For the year ended September 30, 2022, net recoveries were $3,508,000, compared to $6,345,000 in the prior year. A loan is charged-off when the loss is estimable and it is confirmed that the borrower is not expected to be able to meet its contractual obligations. No allowance was recorded as of September 30, 2022 or September 30, 2021 for the PPP loans, which are included in the commercial & industrial loan category, due to the government guarantee. Non-accrual loans increased to $34,534,000 as of September 30, 2022, from $31,749,000 as of September 30, 2021. Non-performing assets totaled $44,554,000, or 0.21% of total assets, at September 30, 2022, compared to $43,625,000, or 0.22% of total assets, as of September 30, 2021. As of September 30, 2022, the allowance for loan losses of $172,808,000 is for loans that are evaluated on a pooled basis, which was comprised of $115,245,000 related to the quantitative component and $57,563,000 related to management's qualitative overlays (including the forecast component of the reserve). 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 described in Note D "Loans Receivable." The following tables provide the amortized cost of loans receivable based on risk rating categories (as previously defined). September 30, 2022 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total (In thousands) Loan type Commercial loans Multi-family $ 2,612,669 $ — $ 13,810 $ — $ — $ 2,626,479 Commercial real estate 3,054,241 1,594 55,277 — — 3,111,112 Commercial & industrial 2,196,767 31,656 114,980 — — 2,343,403 Construction - speculative 1,421,634 — 2,257 — — 1,423,891 Land - acquisition & development 223,616 — — — — 223,616 Total commercial loans 9,508,927 33,250 186,324 — — 9,728,501 Consumer loans Single-family residential 5,706,199 — 20,780 — — 5,726,979 Construction - custom 396,908 — 435 — — 397,343 Land - consumer lot loans 151,723 — 222 — — 151,945 HELOC 205,800 — 233 — — 206,033 Consumer 75,570 — 1 — — 75,571 Total consumer loans 6,536,200 — 21,671 — — 6,557,871 Total loans $ 16,045,127 $ 33,250 $ 207,995 $ — $ — $ 16,286,372 Total grade as a % of total loans 98.5 % 0.2 % 1.3 % — % — % September 30, 2021 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands) Loan type Commercial loans Multi-family $ 2,252,395 $ 4,874 $ 16,420 $ — $ — $ 2,273,689 Commercial real estate 2,174,386 57,625 197,321 — — 2,429,332 Commercial & industrial 2,108,152 48,124 147,651 — — 2,303,927 Construction - speculative 1,115,791 931 505 — — 1,117,227 Land - acquisition & development 190,076 — 2,340 — — 192,416 Total commercial loans 7,840,800 111,554 364,237 — — 8,316,591 Consumer loans Single-family residential 4,915,106 — 21,958 — — 4,937,064 Construction - custom 347,752 — — — — 347,752 Land - consumer lot loans 148,010 — 524 — — 148,534 HELOC 166,652 — 288 — — 166,940 Consumer 87,962 — 27 — — 87,989 Total consumer loans 5,665,482 — 22,797 — — 5,688,279 Total gross loans $ 13,506,282 $ 111,554 $ 387,034 $ — $ — $ 14,004,870 Total grade as a % of total gross loans 96.4 % 0.8 % 2.8 % — % — % The following tables provide information on amortized cost of loans receivable based on borrower payment activity. September 30, 2022 Performing Loans Non-Performing Loans Amount % of Total Loans Amount % of Total Loans (In thousands) (In thousands) Commercial loans Multi-family $ 2,620,567 99.8 % $ 5,912 0.2 % Commercial real estate 3,106,421 99.8 4,691 0.2 Commercial & industrial 2,337,710 99.8 5,693 0.2 Construction - speculative 1,423,891 100.0 — — Land - acquisition & development 223,616 100.0 — — Total commercial loans 9,712,205 99.8 16,296 0.2 Consumer loans Single-family residential 5,709,529 99.7 17,450 0.3 Construction - custom 396,908 99.9 435 0.1 Land - consumer lot loans 151,861 99.9 84 0.1 HELOC 205,800 99.9 233 0.1 Consumer 75,535 100.0 36 — Total consumer loans 6,539,633 99.7 18,238 0.3 Total $ 16,251,838 99.8 % $ 34,534 0.2 % September 30, 2021 Performing Loans Non-Performing Loans Amount % of Total Loans Amount % of Total Loans (In thousands) (In thousands) Commercial loans Multi-family $ 2,273,214 100.0 % $ 475 — % Commercial real estate 2,421,294 99.7 8,038 0.3 Commercial & industrial 2,303,562 100.0 365 — Construction - speculative 1,116,722 100.0 505 — Land - acquisition & development 190,076 98.8 2,340 1.2 Total commercial loans 8,304,868 99.9 11,723 0.1 Consumer loans Single-family residential 4,917,744 99.6 19,320 0.4 Construction - custom 347,752 100.0 — — Land - consumer lot loans 148,175 99.8 359 0.2 HELOC 166,653 99.8 287 0.2 Consumer 87,929 99.9 60 0.1 Total consumer loans 5,668,253 99.6 20,026 0.4 Total gross loans $ 13,973,121 99.8 % $ 31,749 0.2 %

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Sep. 30, 2022
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 which 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 investment 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, including the Company's equity securities, 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 various forms of fair value hedges and cash flow 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 and level in the fair value hierarchy for assets and liabilities that are measured at fair value on a recurring basis (with the exception of those measured using the NAV practical expedient). September 30, 2022 Level 1 Level 2 Level 3 Total (In thousands) Available-for-sale securities U.S. government and agency securities $ — $ 39,354 $ — $ 39,354 Asset-backed securities — 767,001 767,001 Municipal bonds — 34,962 — 34,962 Corporate debt securities — 313,757 — 313,757 Mortgage-backed securities Agency pass-through certificates — 895,963 — 895,963 Total Available-for-sale securities — 2,051,037 — 2,051,037 Client swap program hedges — 67,260 — 67,260 Commercial loan hedges — 2,517 — 2,517 Mortgage loan fair value hedges — 36,765 — 36,765 Borrowings cash flow hedges — 179,945 — 179,945 Total Financial Assets $ — $ 2,337,524 $ — $ 2,337,524 Financial Liabilities Client swap program hedges $ — $ 67,260 $ — $ 67,260 Total Financial Liabilities $ — $ 67,260 $ — $ 67,260 September 30, 2021 Level 1 Level 2 Level 3 Total (In thousands) Available-for-sale securities U.S. government and agency securities $ — $ 61,779 $ — $ 61,779 Asset-backed securities — 1,078,681 — 1,078,681 Municipal bonds — 39,984 — 39,984 Corporate debt securities — 350,988 — 350,988 Mortgage-backed securities Agency pass-through certificates — 606,827 — 606,827 Total Available-for-sale securities — 2,138,259 — 2,138,259 Client swap program hedges — 10,983 — 10,983 Borrowings cash flow hedges — 42,442 — 42,442 Total Financial Assets $ — $ 2,191,684 $ — $ 2,191,684 Financial Liabilities Client swap program hedges $ — $ 10,983 $ — $ 10,983 Commercial loan hedges — 2,177 — 2,177 Mortgage loan fair value hedges — 1,641 — 1,641 Total Financial Liabilities $ — $ 14,801 $ — $ 14,801 There were no transfers between, into and/or out of Level 1, 2 or 3 during the year ended September 30, 2022 or September 30, 2021. Measured on a Nonrecurring Basis Certain assets and liabilities are measured at fair value on a nonrecurring basis after initial recognition such as collateral dependent loans 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 REO requires additional adjustments, either as a result of an updated appraised value or when there is no observable market price, the Company classifies the collateral dependent loan or real estate owned as Level 3. Level 3 assets recorded at fair value on a nonrecurring basis includes loans for which an 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 for the periods presented, 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. September 30, 2022 Twelve Months Ended September 30, 2022 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) Loans receivable (1) $ — $ — $ 7,912 $ 7,912 $ (1,286) Real estate owned (2) — — 3,128 3,128 (367) Balance at end of period $ — $ — $ 11,040 $ 11,040 $ (1,653) (1) The gains (losses) represent re-measurements of collateral-dependent impaired loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned. September 30, 2021 Twelve Months Ended September 30, 2021 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) Impaired loans (1) $ — $ — $ — $ — $ (105) Real estate owned (2) — — 1,851 1,851 (420) Balance at end of period $ — $ — $ 1,851 $ 1,851 $ (525) (1) The gains (losses) represent re-measurements of collateral-dependent impaired loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned. At September 30, 2022, there were no foreclosed residential real estate properties held as REO. The recorded investment of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process was $3,627,000. Fair Values of Financial Instruments U. S. GAAP 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. September 30, 2022 September 30, 2021 Level Carrying Estimated Carrying Estimated (In thousands) Financial assets Cash and cash equivalents 1 $ 683,965 $ 683,965 $ 2,090,809 $ 2,090,809 Available-for-sale securities: U.S. government and agency securities 2 39,354 39,354 61,779 61,779 Asset-backed securities 2 767,001 767,001 1,078,681 1,078,681 Municipal bonds 2 34,962 34,962 39,984 39,984 Corporate debt securities 2 313,757 313,757 350,988 350,988 Mortgage-backed securities Agency pass-through certificates 2 895,963 895,963 606,827 606,827 Total available-for-sale securities 2,051,037 2,051,037 2,138,259 2,138,259 Held-to-maturity securities: Mortgage-backed securities Agency pass-through certificates 2 463,299 406,860 366,025 379,547 Total held-to-maturity securities 463,299 406,860 366,025 379,547 Loans receivable 3 16,113,564 15,417,635 13,833,570 14,279,725 FHLB and FRB stock 2 95,073 95,073 102,863 102,863 Other assets - client swap program hedges 2 67,260 67,260 10,983 10,983 Other assets - commercial loan fair value hedges 2 2,517 2,517 — — Other assets - mortgage loan fair value hedges 2 36,765 36,765 — — Other assets - borrowings cash flow hedges 2 179,945 179,945 42,442 42,442 Financial liabilities Time deposits 2 3,338,043 3,249,169 3,434,087 3,382,206 FHLB advances and other borrowings 2 2,125,000 1,940,813 1,720,000 1,692,412 Other liabilities - client swap program hedges 2 67,260 67,260 10,983 10,983 Other liabilities - commercial loan fair value hedges 2 — — 2,177 2,177 Other liabilities - mortgage loan fair value hedges 2 — — 1,641 1,641 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 which 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, an 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 which equates to its carrying value. Time deposits – The fair value of fixed-maturity time deposits is estimated by discounting the estimated future cash flows using the rates currently 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.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	12 Months Ended
	Sep. 30, 2022
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 September 30, 2022 and September 30, 2021. September 30, 2022 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 $ 588,676 $ 67,260 Other liabilities $ 588,676 $ 67,260 Commercial loan fair value hedges Other assets 42,209 2,517 Other liabilities — — Mortgage loan fair value hedges Other assets 470,000 36,765 Other liabilities — — Borrowings cash flow hedges Other assets 1,000,000 179,945 Other liabilities — — $ 2,100,885 $ 286,487 $ 588,676 $ 67,260 September 30, 2021 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 $ 644,355 $ 10,983 Other liabilities $ 644,355 $ 10,983 Commercial loan fair value hedges Other assets — — Other liabilities 44,678 2,177 Mortgage loan fair value hedges Other assets — — Other liabilities 470,000 1,641 Borrowings cash flow hedges Other assets 1,000,000 42,442 Other liabilities — — $ 1,644,355 $ 53,425 $ 1,159,033 $ 14,801 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 items are adjusted to reflect the cumulative impact of changes in fair value attributable to the hedged risk. The hedge basis adjustment remains with each hedged item until the hedged item is de-recognized from the balance sheet. The following tables presents the impact of fair value hedge accounting on the carrying value of the hedged items at September 30, 2022 and September 30, 2021. (In thousands) September 30, 2022 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 Loans receivable (1) (2) $ 1,159,496 $ (39,090) $ 1,159,496 $ (39,090) (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, 2022, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,119,975,000, the cumulative basis adjustment associated with the hedging relationships was $(36,458,000), and the amount of the designated hedged items was $470,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2022, the amortized cost basis of the hedged commercial loans was $39,521,000 and the cumulative basis adjustment associated with the hedging relationships was $(2,632,000). (In thousands) September 30, 2021 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 Loans receivable (1) (2) $ 1,515,487 $ 4,215 $ 1,515,487 $ 4,215 (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, 2021, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,468,517,000, the cumulative basis adjustment associated with the hedging relationships was $1,864,000, and the amount of the designated hedged items was 470,000,000. During the year ended September 30, 2021, hedge accounting was discontinued on $30,000,000 (30%) of a $100,000,000 last of layer hedge. The $1,238,000 unamortized discount associated with the terminated portion of the hedge is being amortized over the remaining life of the associated pool of loans. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2021, the amortized cost basis of the hedged commercial loans was $46,970,000 and the cumulative basis adjustment associated with the hedging relationships was $2,351,000. During the year ended September 30, 2021, hedge accounting was discontinued on a $46,240,000 commercial loan hedge. 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 September 30, 2022, the maturities for hedges of adjustable rate borrowings ranged from less than two years to eight years, with the weighted average being 6.5 years. The following table presents the impact of derivative instruments (cash flow hedges on borrowings) on AOCI for the periods presented. (In thousands) Twelve Months Ended September 30, Amount of gain/(loss) recognized in AOCI on derivatives in cash flow hedging relationships 2022 2021 Interest rate contracts: Pay fixed/receive floating swaps on cash flow hedges of borrowings $ 137,502 $ 59,817 Total pre-tax gain/(loss) recognized in AOCI $ 137,502 $ 59,817 The following table presents the gains/(losses) on derivative instruments in fair value and cash flow accounting hedging relationships under ASC 815 for the period presented. Twelve Months Ended September 30, 2022 Twelve Months Ended September 30, 2021 Interest income on loans receivable Interest expense on FHLB advances Interest income on loans receivable Interest expense on FHLB advances (In thousands) (In thousands) Interest income/(expense), including the effects of fair value and cash flow hedges $ 601,592 $ (28,729) $ 537,660 $ (44,188) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (1,782) $ (6,320) Recognized on derivatives 43,100 20,736 Recognized on hedged items (43,305) (20,449) Net income/(expense) recognized on fair value hedges $ (1,987) $ (6,033) Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (408) $ 10,846 Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — 14,110 Net income/(expense) recognized on cash flow hedges $ (408) $ 24,956 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 years ended September 30, 2022 and 2021 as the changes in fair value of the receive fixed swap and pay fixed swap offset each other. As of September 30, 2022, none of the outstanding notional balance is associated with related party loans. The following table presents the impact of derivative instruments (client swap program) that are not designated in accounting hedges under ASC 815 for the periods presented. (In thousands) Twelve Months Ended September 30, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2022 2021 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ 78,244 $ 37,218 Receive fixed/pay floating swap Other noninterest income (78,244) (37,218) $ — $ —

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Sep. 30, 2022
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	REVENUE FROM CONTRACTS WITH CUSTOMERS On October 1, 2018, the Company adopted ASU No. 2014-09, Revenue from Contracts with Customers ("ASC 606") . Since net interest income on financial assets and liabilities is excluded from this guidance, a significant majority of our revenues are not subject to the new guidance. Revenue streams that are within the scope of the new guidance are presented within noninterest 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. For fiscal years ended 2022 and 2021, in scope revenue streams represented approximately 5.6% and 5.8% of our total revenues, respectively. 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 noninterest income within the scope of the new 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 cashiers' 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 and credit card payment networks 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 networks in this case).

Interest Receivable

Interest Receivable	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Interest Receivable	INTEREST RECEIVABLE The following table provides a summary of interest receivable by interest-earning asset type. September 30, 2022 September 30, 2021 (In thousands) Loans receivable $ 57,070 $ 46,234 Mortgage-backed securities 3,313 2,159 Investment securities 3,489 2,243 $ 63,872 $ 50,636

Premises and Equipment

Premises and Equipment	12 Months Ended
	Sep. 30, 2022
Property, Plant and Equipment [Abstract]
Premises and Equipment	PREMISES AND EQUIPMENT The following table provides a summary of premises and equipment by asset type. September 30, 2022 September 30, 2021 Estimated (In thousands) Land — $ 92,938 $ 95,247 Buildings 10 - 40 185,573 185,813 Leasehold improvements 5 - 15 18,361 15,698 Furniture, software and equipment 2 - 10 92,164 91,174 389,036 387,932 Less accumulated depreciation and amortization (145,974) (132,780) $ 243,062 $ 255,152

Customer Accounts

Customer Accounts	12 Months Ended
	Sep. 30, 2022
Banking and Thrift, Interest [Abstract]
Customer Accounts	CUSTOMER ACCOUNTS The following tables provide the composition of the Company's customer accounts, including time deposits. September 30, 2022 September 30, 2021 Deposit Account Balance As a % of Total Deposits Weighted Deposit Account Balance As a % of Total Deposits Weighted ($ in thousands) Non-interest checking $ 3,266,734 20.4 % — % $ 3,122,397 20.1 % — % Interest checking 3,497,795 21.8 0.90 3,566,322 22.9 0.20 Savings 1,059,093 6.6 0.13 1,039,336 6.7 0.11 Money market 4,867,905 30.4 0.49 4,379,970 28.2 0.19 Time deposits 3,338,043 20.8 0.74 3,434,087 22.1 0.54 Total $ 16,029,570 100 % 0.51 % $ 15,542,112 100 % 0.23 % Time deposits by rate band are as follows: September 30, 2022 September 30, 2021 (In thousands) Less than 1.00% $ 2,705,212 $ 3,153,788 1.00% to 1.99% 304,702 229,594 2.00% to 2.99% 327,852 50,608 3.00% to 3.99% 277 97 $ 3,338,043 $ 3,434,087 Time deposits by maturity band are as follows: September 30, 2022 September 30, 2021 (In thousands) Three months or less $ 1,007,735 $ 1,085,001 Over 3 through 6 months 966,800 819,906 Over 6 through 12 months 810,680 870,801 Over 12 months 552,828 658,379 $ 3,338,043 $ 3,434,087 Customer accounts over $250,000 (uninsured deposits) totaled $7,400,474,000 as of September 30, 2022, compared to $7,198,111,000 as of September 30, 2021. Interest expense on customer accounts consisted of the following: Year ended September 30, 2022 2021 2020 (In thousands) Checking accounts $ 10,086 $ 5,545 $ 8,447 Savings accounts 1,377 1,143 959 Money market accounts 12,423 8,723 18,951 Time deposit accounts 19,422 27,100 72,494 43,308 42,511 100,851 Less early withdrawal penalties (267) (198) (539) $ 43,041 $ 42,313 $ 100,312 Weighted average interest rate at end of year 0.51 % 0.23 % 0.48 % Daily weighted average interest rate during the year 0.34 % 0.35 % 0.94 %

FHLB Advances and Other Borrowi

FHLB Advances and Other Borrowings	12 Months Ended
	Sep. 30, 2022
Federal Home Loan Banks [Abstract]
FHLB Advances and Other Borrowings	FHLB ADVANCES AND OTHER BORROWINGS The table below shows the contractual maturity dates of outstanding FHLB advances. September 30, 2022 September 30, 2021 (In thousands) FHLB advances Within 1 year $ 2,025,000 $ 1,320,000 1 to 3 years 100,000 400,000 $ 2,125,000 $ 1,720,000 As of September 30, 2022, there are no advances that are callable by the FHLB. Taking into account cash flow hedges, the weighted average effective maturity of FHLB advances at September 30, 2022 is 3.25 years. Financial information pertaining to the weighted-average cost and the amount of FHLB advances were as follows. 2022 2021 2020 ($ in thousands) Weighted average interest rate, including cash flow hedges, at end of year 2.02 % 1.51 % 1.79 % Weighted daily average interest rate, including cash flow hedges, during the year 1.66 % 1.98 % 2.03 % Daily average of FHLB advances during the year $ 1,731,110 $ 2,234,027 $ 2,532,596 Maximum amount of FHLB advances at any month end $ 2,125,000 $ 2,700,000 $ 3,050,000 Interest expense during the year (including swap interest income and expense) $ 28,729 $ 44,188 $ 51,445

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Sep. 30, 2022
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 2022 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 Other assets The table below presents the Company’s operating lease right-of-use asset and the related lease liability. (In thousands) September 30, 2022 September 30, 2021 Operating lease asset $ 25,546 $ 27,785 Operating lease liability $ 27,974 $ 29,569 As of September 30, 2022, the Company’s operating leases have a weighted average remaining lease term of 8.5 years and a weighted average discount rate of 1.99%. Cash paid for amounts included in the measurement of the above operating lease liability was $6,788,000 and $6,425,000 for the twelve months ended September 30, 2022 and 2021, respectively. Right-of-use assets obtained in exchange for new operating lease liabilities during the twelve months ended September 30, 2022 and 2021 were $3,611,000 and $2,864,000. 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) Twelve Months Ended September 30, Twelve Months Ended September 30, 2022 2021 Operating lease cost $ 6,654 $ 6,754 Variable lease cost 1,537 1,095 Sublease income (358) (185) Net lease cost $ 7,833 $ 7,664 The following table shows future minimum payments for operating leases as of September 30, 2022 for the respective periods. (In thousands) Year ending September 30, 2023 $ 6,215 2024 5,503 2025 4,596 2026 3,732 2027 2,866 Thereafter 7,783 Total minimum payments 30,695 Amounts representing interest (2,721) Present value of minimum lease payments $ 27,974 Rental expense, including amounts paid under month-to-month cancelable leases, amounted to $8,191,000 and $7,849,000 in 2022, and 2021, respectively. 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 $4,947,570,000 and $3,804,444,000 at September 30, 2022 and September 30, 2021, respectively. The reserve for unfunded commitments was $32,500,000 as of September 30, 2022, which is an increase from $27,500,000 at September 30, 2021. See Note A "Summary of Significant Accounting Policies" for details regarding the reserve methodology. 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.

Income Taxes

Income Taxes	12 Months Ended
	Sep. 30, 2022
Income Tax Disclosure [Abstract]
Income Taxes	INCOME TAXES Under generally accepted accounting principles, the Company uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates applicable to taxable income in the years in which those temporary differences are expected to reverse. The table below provides a summary of the Company's tax assets and liabilities, including deferred tax assets and deferred tax liabilities by major source. Deferred tax balances represent temporary differences between the financial statement and corresponding tax treatment of income, gains, losses, deductions or credits. September 30, 2022 September 30, 2021 (In thousands) Deferred tax assets Allowance for credit losses $ 47,426 $ 45,724 REO reserves 329 173 Non-accrual loan interest 1,104 1,080 Deferred compensation 6,841 6,230 Stock based compensation 2,636 2,508 Lease liability 6,207 6,655 Other 1,329 4,525 Total deferred tax assets 65,872 66,895 Deferred tax liabilities FHLB stock dividends 9,826 9,783 Valuation adjustment on available-for-sale securities and cash flow hedges 15,765 20,845 Loan origination fees and costs 10,918 5,645 Premises and equipment 20,132 21,426 Lease right-of-use assets 5,992 6,249 Equity investments 5,323 2,982 Other 4,141 6,157 Total deferred tax liabilities 72,097 73,087 Net deferred tax asset (liability) (6,225) (6,192) Current tax asset (liability) 2,920 10,069 Net tax asset (liability) $ (3,305) $ 3,877 The table below presents a reconciliation of the statutory federal income tax rate to the Company's effective income tax rate. Year ended September 30, 2022 2021 2020 Statutory income tax rate 21 % 21 % 21 % State income tax 2 2 2 Other differences (2) (2) (2) Effective income tax rate 21 % 21 % 21 % The following table summarizes the Company's income tax expense (benefit) for the respective periods. Year ended September 30, 2022 2021 2020 (In thousands) Federal: Current $ 50,854 $ 53,820 $ 49,782 Deferred 7,187 (8,468) (7,858) 58,041 45,352 41,924 State: Current 6,600 5,584 5,310 Deferred (934) (1,413) (1,486) 5,666 4,171 3,824 Total Current 57,454 59,404 55,092 Deferred 6,253 (9,881) (9,344) $ 63,707 $ 49,523 $ 45,748 Based on current information, the Company does not expect that changes in the amount of unrecognized tax benefits over the next 12 months will have a significant impact on its results of operations or financial position. The Company does not have a liability for uncertain tax positions as of September 30, 2022 or September 30, 2021. three

401(k) Plan

401(k) Plan	12 Months Ended
	Sep. 30, 2022
Retirement Benefits [Abstract]
401(k) Plan	401(k) PLAN The Company maintains a 401(k) Plan (the "Plan") for the benefit of its employees. Company contributions are made annually as approved by the Board of Directors. Such amounts are not in excess of amounts permitted by the Employee Retirement Income Security Act of 1974. Plan participants may make voluntary after-tax contributions of their considered earnings as defined by the Plan. In addition, participants may make pre-tax contributions up to the statutory limits through the 401(k) provisions of the Plan. The annual addition from contributions to an individual participant's account in this Plan cannot exceed the lesser of 100% of base salary or $61,000. New employees become eligible to participate in the Plan and make employee contributions on the first day of the calendar month following the completion of 30 days of employment. Such eligible employees do not become eligible for profit sharing or matching contributions until the first day of the quarter (January 1, April 1, July 1 or October 1) following completion of 1 year of service. A “year of service” is defined as a 12-month period in which the eligible employee works at least 1,000 hours of service and the first eligibility service period started on the first day of employment. The Plan provides for a guaranteed safe harbor matching contribution equal to 100% of the first 4% of compensation that employees contribute to their account and this amount is immediately vested. The safe harbor match is not subject to the six year vesting schedule of the profit sharing contribution. This provides plan participants more investment flexibility. Additionally, the Company anticipates that all eligible employees, regardless of personal plan participation, will continue to receive an annual discretionary profit sharing contribution from the Company. Company contributions to the Plan amounted to $10,559,000, $9,905,000 and $8,333,000 for the years ended 2022, 2021 and 2020, respectively.

Stock Award Plans

Stock Award Plans	12 Months Ended
	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Stock Award Plans	STOCK AWARD PLANS The Company's stock based compensation plan provides for grants of stock options and restricted stock. On January 22, 2020, the shareholders approved the 2020 Incentive Plan. Upon approval of the 2020 Incentive Plan, the 2011 Incentive Plan terminated with respect to future awards, and the remaining shares that were not awarded under the 2011 Incentive Plan as of that date were canceled. A total of 3,200,000 shares are available for grant under the 2020 Incentive Plan and 1,882,283 shares remain available for issuance as of September 30, 2022. When applicable, stock options are granted with an exercise price equal to the market price of the Company's stock at the date of grant; those option awards generally vest based on three Stock Option Awards: There were 352,043 stock options granted under the incentive plans during 2022, compared to no stock options granted in 2021 and 1,043,349 stock options granted in 2020 under the previous plan. A summary of stock option activity and changes during the year are as follows. Options Number of Options Weighted Weighted Aggregate Outstanding at September 30, 2020 1,229,724 $ 28.93 9 $ — Granted — — Exercised (19,846) 17.06 Forfeited (179,555) 29.05 Outstanding at September 30, 2021 1,030,323 29.14 8 5,330 Granted 352,043 32.49 Exercised (64,415) 28.16 Forfeited (180,343) 30.24 Outstanding at September 30, 2022 1,137,608 $ 30.06 8 $ — Exercisable at September 30, 2022 156,698 $ 28.16 6.0 $ 285 The table below presents other information regarding stock options. Year ended September 30, 2022 2021 2020 (In thousands, except grant date fair value per stock option) Compensation cost for stock options $ 1,296 $ 1,676 $ 1,344 Weighted average grant date fair value per stock option 5.10 4.39 4.37 Total intrinsic value of options exercised 433 276 102 Grant date fair value of options exercised 345 78 33 Cash received from option exercises 1,823 339 144 The following is a summary of activity related to unvested stock options. Year ended September 30, 2022 2021 2020 Unvested Stock Options Options Outstanding Weighted Options Outstanding Weighted Options Outstanding Weighted Outstanding at beginning of period 1,031,134 $ 4.39 1,210,689 $ 4.38 293,167 $ 5.33 Granted 352,043 7.18 — — 1,043,349 4.17 Vested (223,387) 5.32 — — — — Forfeited (178,380) 5.02 (179,555) 4.31 (125,827) 4.83 Outstanding at end of period 981,410 $ 5.07 1,031,134 $ 4.39 1,210,689 $ 4.38 As of September 30, 2022, there was $1,851,364 of unrecognized compensation cost related to stock options. Restricted Stock Awards: The Company grants shares of restricted stock pursuant to the incentive plans. The restricted stock grants are subject to a service condition and vest over a period of one Certain grants of restricted stock to executive officers are also subject to additional market and performance conditions based upon meeting certain total shareholder return targets pre-established by the Board. The Company had a total of 489,777 shares of restricted stock outstanding as of September 30, 2022, with a total grant date fair value of $10,598,774. The following table summarizes information about unvested restricted stock activity. Year ended September 30, 2022 2021 2020 Non-vested Restricted Stock Outstanding Weighted Outstanding Weighted Outstanding Weighted Outstanding at beginning of period 522,991 $ 19.96 409,469 $ 24.32 435,838 $ 23.73 Granted 224,593 25.34 331,344 17.04 197,706 26.24 Vested (246,119) 21.34 (132,649) 30.64 (205,715) 25.56 Forfeited (11,688) 23.96 (85,173) 12.94 (18,360) 17.20 Outstanding at end of period 489,777 $ 21.64 522,991 $ 19.96 409,469 $ 24.32 Compensation expense related to restricted stock awards was $4,367,000, $4,473,000, and $4,453,000 for the years ended 2022, 2021 and 2020, respectively.

Shareholders' Equity

Shareholders' Equity	12 Months Ended
	Sep. 30, 2022
Equity [Abstract]
Shareholders' Equity	SHAREHOLDERS' EQUITY The Company and the Bank are subject to various regulatory capital requirements. Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of Common Equity Tier 1, Tier 1 and Total capital to risk weighted assets (as defined in the regulations) and Tier 1 capital to average assets (as defined in the regulations). Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary action by regulators that, if undertaken, could have a direct material effect on the Company's financial statements. The Company and the Bank are also subject to certain restrictions on the amount of dividends that they may declare without prior regulatory approval. On February 8, 2021, in connection with an underwritten public offering, the Company issued 300,000 shares of 4.875% Noncumulative Perpetual Series A Preferred Stock. Net proceeds, after underwriting discounts and expenses, were $293,325,000. The public offering consisted of the issuance and sale of 12,000,000 depositary shares, each representing a 1/40 th interest in a share of the Series A Preferred Stock, at a public offering price of $25.00 per depositary share. Holders of the depositary shares are entitled to all proportional rights and preferences of the Series A Preferred Stock (including, dividend, voting, redemption and liquidation rights). The depositary shares are traded on the NASDAQ Global Select Market under the symbol "WAFDP." The Series A Preferred Stock is redeemable at the option of the Company, subject to all applicable regulatory approvals, on or after April 15, 2026. As of September 30, 2022, and 2021, the Company and the Bank met all capital adequacy requirements to which they are subject, and the Bank's regulators categorized it as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum Common Equity Tier 1, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the following table. The Bank's actual capital amounts and ratios as of these dates are also presented. There are no conditions or events since that management believes have changed the Bank's categorization. Actual Capital Adequacy Categorized as Well Capitalized Under Prompt Corrective Action Provisions Capital Ratio Ratio Ratio September 30, 2022 ($ in thousands) Common Equity Tier 1 risk-based capital ratio: The Company $ 1,613,075 9.86 % 4.50 % NA The Bank 1,781,932 10.89 4.50 6.50 % Tier 1 risk-based capital ratio: The Company 1,913,075 11.69 6.00 NA The Bank 1,781,932 10.89 6.00 8.00 Total risk-based capital ratio: The Company 2,117,574 12.94 8.00 NA The Bank 1,986,434 12.14 8.00 10.00 Tier 1 leverage ratio: The Company 1,913,075 9.51 4.00 NA The Bank 1,781,932 8.86 4.00 5.00 September 30, 2021 Common Equity Tier 1 risk-based capital ratio: The Company $ 1,446,613 9.50 % 4.50 % NA The Bank 1,717,014 11.28 4.50 6.50 % Tier 1 risk-based capital ratio: The Company 1,746,613 11.47 6.00 NA The Bank 1,717,014 11.28 6.00 8.00 Total risk-based capital ratio: The Company 1,937,036 12.72 8.00 NA The Bank 1,907,408 12.53 8.00 10.00 Tier 1 leverage ratio: The Company 1,746,613 9.07 4.00 NA The Bank 1,717,014 8.92 4.00 5.00 At periodic intervals, the Federal Reserve, the WDFI and the FDIC examine the Company's and the Bank's financial statements as part of their oversight. Based on their examinations, these regulators can direct that the Company's or Bank's financial statements be adjusted in accordance with their findings. The Company and the Bank are subject to regulatory restrictions on paying dividends. The Company has an ongoing common share repurchase program and 92,774 shares were repurchased during 2022 at a weighted average price of $35.14. In 2021, 10,810,113 shares were repurchased at a weighted average price of $32.25. As of September 30, 2022, management had authorization from the Board of Directors to repurchase up to 3,724,344 additional shares. The following table sets forth information regarding earnings per common share calculations. Year ended September 30, 2022 2021 2020 Weighted average shares outstanding 65,287,650 72,529,188 76,721,969 Weighted average dilutive options 116,460 36,732 9,495 Weighted average diluted shares 65,404,110 72,565,920 76,731,464 Net income available to common shareholders (in thousands) $ 221,705 $ 173,581 $ 173,438 Basic EPS $ 3.40 $ 2.39 $ 2.26 Diluted EPS 3.39 2.39 2.26

Financial Information - Washing

Financial Information - Washington Federal, Inc.	12 Months Ended
	Sep. 30, 2022
Condensed Financial Information Disclosure [Abstract]
Financial Information - Washington Federal, Inc.	FINANCIAL INFORMATION – WASHINGTON FEDERAL, INC. The following Washington Federal, Inc. (parent company only) financial information should be read in conjunction with the other notes to the Consolidated Financial Statements. Condensed Statements of Financial Condition September 30, 2022 September 30, 2021 (In thousands) Assets Cash $ 130,502 $ 28,696 Other assets 5,000 5,000 Investment in subsidiary 2,143,116 2,096,464 Total assets $ 2,278,618 $ 2,130,160 Liabilities Dividend payable on preferred stock $ 3,656 $ 3,656 Other liabilities 702 440 Total liabilities 4,358 4,096 Shareholders’ equity Total shareholders’ equity 2,274,260 2,126,064 Total liabilities and shareholders’ equity $ 2,278,618 $ 2,130,160 Condensed Statements of Operations Twelve Months Ended September 30, 2022 2021 2020 (In thousands) Income Dividends from subsidiary $ 172,850 $ 92,400 $ 190,900 Total Income 172,850 92,400 190,900 Expense Miscellaneous expense 619 626 529 Total expense 619 626 529 Net income (loss) before equity in undistributed net income (loss) of subsidiary 172,231 91,774 190,371 Equity in undistributed net income (loss) of subsidiaries 63,956 91,697 (17,055) Income before income taxes 236,187 183,471 173,316 Income tax benefit (expense) 143 144 122 Net income 236,330 183,615 173,438 Dividends on preferred stock 14,625 10,034 — Net income available to common shareholders $ 221,705 $ 173,581 $ 173,438 Condensed Statements of Cash Flows Twelve Months Ended September 30, 2022 2021 2020 (In thousands) Cash Flows From Operating Activities Net income $ 236,330 $ 183,615 $ 173,438 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings from investments in subsidiaries (63,956) (91,697) — Distributions in excess of earnings from investments in subsidiaries — — 17,055 Stock based compensation expense 6,808 6,381 6,469 Increase (decrease) in other liabilities 262 440 — Net cash provided by (used in) operating activities 179,444 98,739 196,962 Cash Flows From Investing Activities Purchase of strategic investments — — — Net cash provided by (used in) investing activities — — — Cash Flows From Financing Activities Proceeds from exercise of common stock options and related tax benefit 1,823 339 144 Proceeds from issuance of preferred stock, net — 293,325 Treasury stock purchased (3,260) (348,651) (112,133) Dividends on preferred stock (14,625) (6,378) — Dividends on common stock (61,576) (65,876) (66,496) Net cash provided by (used in) financing activities (77,638) (127,241) (178,485) Increase (decrease) in cash 101,806 (28,502) 18,477 Cash at beginning of year 28,696 57,198 38,721 Cash at end of year $ 130,502 $ 28,696 $ 57,198

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Fiscal period	The Company's fiscal year end is September 30. All references to 2022, 2021 and 2020 represent balances as of September 30, 2022, September 30, 2021, and September 30, 2020, or activity for the fiscal years then ended.
Cash and cash equivalents	Cash and cash equivalents. Cash and cash equivalents include cash on hand, amounts due from banks, overnight investments and repurchase agreements with an initial maturity of three months or less.
Restricted cash balances	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 September 30, 2022.
Equity securities	Equity securities - The Company records equity securities within Other assets in its Consolidated Statements of Financial Condition. These equity investments are accounted for under different methods. • Low-income housing tax credit investments are accounted for under the proportional amortization method in accordance with ASU 2014-1. • For other equity investments where the Company has significant influence, the Company applies the equity method of accounting, which adjusts the carrying value of the investment to recognize a proportionate share of the financial results of the investment entity, regardless of whether any distribution is made. Any adjustments to the fair value of these investments are recorded in Other income in the Consolidated Statements of Operations. • For other equity investments where neither ASU 2014-1 nor the equity method of accounting is applicable, the Company applies the fair value adjustment method of ASU 2016-1. Any adjustments to the fair value of these investments are recorded in Other income in the Consolidated Statements of Operations. Fair value is determined by reference to readily determinable market values if applicable. Equity investments that do not have readily determinable
Debt securities, including mortgage-backed securities	Debt securities, including mortgage-backed securities. The Company accounts for debt securities in two categories: held-to-maturity and available-for-sale. Premiums and discounts on debt securities are deferred and recognized into income over the contractual life of the asset using the effective interest method. Held-to-maturity securities are accounted for at amortized cost, but the Company must have both the positive intent and the ability to hold those securities to maturity. There are very limited circumstances under which securities in the held-to-maturity category can be sold without jeopardizing the cost basis of accounting for the remainder of the securities in this category. Available-for-sale securities are accounted for at fair value. Gains and losses realized on the sale of these securities are accounted for based on the specific identification method. Unrealized gains and losses for available-for-sale securities are excluded from earnings and reported net of the related tax effect in the accumulated other comprehensive income component of shareholders' equity.
Allowance for Credit Losses (Held-to-Maturity and Available-for-Sale Debt Securities)	Allowance for Credit Losses (Held-to-Maturity Debt Securities). For held-to-maturity (“HTM”) debt securities, the Company is required to utilize a CECL methodology to estimate expected credit losses. Substantially all of the Company’s HTM debt securities are issued by U.S. government agencies or U.S. government-sponsored enterprises. These securities carry the explicit and/or implicit guarantee of the U.S. government and have a long history of zero credit loss. Therefore, the Company did not record an allowance for credit losses for these securities. As September 30, 2022, the Company determined that the expected credit loss on its corporate and municipal bonds was immaterial, and therefore, an allowance for credit losses was not recorded. See Note C "Investment Securities" and Note F "Fair Value Measurements" for more information about HTM debt securities. Allowance for Credit Losses (Loans Receivable). The Company applies FASB ASU 2016-13, Financial Instruments - Credit Losses ("ASC 326"), so the allowance calculation is based on current expected credit loss methodology ("CECL"). The Company maintains an allowance for credit losses (“ACL”) for the expected credit losses of the loan portfolio as well as unfunded loan commitments. The amount of ACL is based on ongoing, quarterly assessments by management. The CECL methodology requires an estimate of the credit losses expected over the life of an exposure (or pool of exposures) and replaces the incurred loss methodology’s threshold that delayed the recognition of a credit loss until it was probable a loss event was incurred. See Note E "Allowance for Losses on Loans" for details. The ACL consists of the allowance for loan losses and the reserve for unfunded commitments. The estimate of expected credit losses under the CECL methodology is based on relevant information about past events, current conditions, and reasonable and supportable forecasts that affect the collectability of the reported amounts. Historical loss experience is generally the starting point for estimating expected credit losses. We then consider whether the historical loss experience should be adjusted for asset-specific risk characteristics or current conditions at the reporting date that did not exist over the period that historical experience was based for each loan type. Finally, we consider forecasts about future economic conditions or changes in collateral values that are reasonable and supportable. Portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its ACL. The Company has designated two loan portfolio segments, commercial loans and consumer loans. These loan portfolio segments are further disaggregated into classes, which represent loans of similar type, risk characteristics, and methods for monitoring and assessing credit risk. The commercial loan portfolio segment is disaggregated into five classes: multi-family, commercial real estate, commercial and industrial, construction, and land acquisition and development. The risk of loss for the commercial loan portfolio segment is generally most indicated by the credit risk rating assigned to each borrower. Commercial loan risk ratings are determined by experienced senior credit officers based on specific facts and circumstances and are subject to periodic review by an independent internal team of credit specialists. The consumer loan portfolio segment is disaggregated into five classes: single-family-residential mortgage, custom construction, consumer lot loans, home equity lines of credit, and other consumer. The risk of loss for the consumer loan portfolio segment is generally most indicated by delinquency status and general economic factors. Each commercial and consumer loan portfolio class may also be further segmented based on risk characteristics. For most of our loan portfolio classes, the historical loss experience is determined using a cohort methodology. This method pools loans into groups (“cohorts”) sharing similar risk characteristics and tracks each cohort’s net charge-offs over the lives of the loans to calculate a historical loss rate. The historical loss rates for each cohort are then averaged to calculate an overall historical loss rate which is applied to the current loan balance to arrive at the quantitative baseline portion of the allowance for credit losses for the respective loan portfolio class. For certain loan portfolio classes, the Company determined there was not sufficient historical loss information to calculate a meaningful historical loss rate using the cohort methodology. For any such loan portfolio class, the weighted-average remaining maturity (“WARM”) methodology is being utilized until sufficient historical loss data is obtained. The WARM method multiplies an average annual loss rate by the expected remaining life of the loan pool to arrive at the quantitative baseline portion of the allowance for credit losses for the respective loan portfolio class. The Company also considers qualitative adjustments to the historical loss rate for each loan portfolio class. The qualitative adjustments for each loan class consider the conditions over the period from which historical loss experience was based and are split into two components: 1) asset or class specific risk characteristics or current conditions at the reporting date related to portfolio credit quality, remaining payments, volume and nature, credit culture and management, business environment or other management factors and 2) reasonable and supportable forecast of future economic conditions and collateral values. The Company performs a quarterly asset quality review which includes a review of forecasted gross charge-offs and recoveries, nonperforming assets, criticized loans, risk rating migration, delinquencies, etc. The asset quality review is performed by management and the results are used to consider a qualitative overlay to the quantitative baseline. The second qualitative adjustment noted above, economic conditions and collateral values, encompasses a one-year reasonable and supportable forecast period. The overlay adjustment for the reasonable and supportable forecast assumes an immediate reversion after the one-year forecast period to historical loss rates for the remaining life of the respective loan pool. When management deems it to be appropriate, the Company establishes a specific reserve for individually evaluated loans that do not share similar risk characteristics with the loans included in each respective loan pool. These individually evaluated loans are removed from their respective pools and typically represent collateral dependent loans but may also include other non-performing loans or troubled debt restructurings (“TDRs”). In addition, the Company individually evaluates “reasonably expected” TDRs, which are identified by the Company as a loan expected to be classified as a TDR within the next six months. Management judgment is utilized to make this determination.
Loans receivable, troubled debt restructured loans ("TDRs"), and non-accrual loan	Loans receivable. Loans that are performing in accordance with their contractual terms are carried at the unpaid principal balance, net of premiums, discounts and net deferred loan fees. Net deferred loan fees include nonrefundable loan origination fees less direct loan origination costs. Net deferred loan fees, premiums and discounts are amortized into interest income using either the interest method or straight-line method over the terms of the loans, adjusted for actual prepayments. In addition to fees and costs for originating loans, various other fees and charges related to existing loans may occur, including prepayment charges, late charges and assumption fees. When a borrower fails to make a required payment on a loan, the Bank attempts to cure the deficiency by contacting the borrower. Contact is made after a payment is 30 days past its grace period. In most cases, deficiencies are cured promptly. If the delinquency is not cured within 90 days, the Bank may institute appropriate action to foreclose on the property. If foreclosed, the property is sold at a public sale and may be purchased by the Bank. Troubled debt restructured loans ("TDRs"). The Company will consider modifying the interest rates and terms of a loan if it determines that a modification is a better alternative to foreclosure. Most TDRs are accruing and performing loans where the borrower has proactively approached the Company about modifications due to temporary financial difficulties. Each request is individually evaluated for merit and likelihood of success. The concession for these loans is typically a payment reduction through a rate reduction of 100 to 200 bps for a specific term, usually six Non-accrual loans. Loans are placed on nonaccrual status when, in the judgment of management, the probability of collection of interest is deemed to be insufficient to warrant further accrual. When a loan is placed on nonaccrual status, previously accrued but unpaid interest is deducted from interest income. The Company does not accrue interest on loans 90 days or more past due. If payment is made on a loan so that the loan becomes less than 90 days past due, and the Company expects full collection of principal and interest, the loan is returned to full accrual status. Any interest ultimately collected is credited to income in the period of recovery. A loan is charged-off when the loss is estimable and it is confirmed that the borrower is not expected to be able to meet contractual obligations.
Accrued interest receivable	Accrued interest receivable. The Company has made the following elections regarding accrued interest receivable ("AIR"): • Presenting accrued interest receivable balances separately from their underlying instruments within the consolidated statements of financial condition. • Excluding accrued interest receivable that is included in the amortized cost of financing receivables from related disclosure requirements. • Continuing our policy to write off accrued interest receivable by reversing interest income in cases where the Company does not reasonably expect to receive payment.
Off-balance-sheet credit exposures	Off-balance-sheet credit exposures. The only material off-balance-sheet credit exposures are loans in process and unused lines of credit. The reserve for unfunded commitments is recognized as a liability (other liabilities in the consolidated statements of financial condition), with adjustments to the reserve recognized through provision for credit losses in the consolidated statements of income. The reserve for unfunded commitments represents the expected lifetime credit losses on off-balance sheet obligations such as commitments to extend credit and standby letters of credit. However, a liability is not recognized for commitments that are unconditionally cancellable by the Company. The reserve for unfunded commitments is determined by estimating future draws, including the effects of risk mitigation actions, and applying the expected loss rates on those draws. Loss rates are estimated by utilizing the same loss rates calculated for the allowance for credit losses related to the respective loan portfolio class.
Client swap program hedges, borrowing cash flow hedges, mortgage loan "last-of-layer" portfolio hedges, and commercial loan fair value hedges	Client swap program hedges. Interest rate swap agreements are provided to certain clients who desire to convert their obligations from variable to fixed interest rates. Under these agreements, the Bank enters into a variable-rate loan agreement with a customer in addition to a swap agreement, and then enters into a corresponding swap agreement with a third party in order to offset its exposure on the customer swap agreement. As the interest rate swap agreements with the customers and third parties are not designated as accounting hedges under FASB ASC 815, the instruments are marked to market in earnings. The change in fair value of the offsetting swaps are included in other noninterest income and there is no impact on net income. There is fee income earned on the swaps that is included in loan fee income. Borrowings cash flow hedges. The Company has entered into interest rate swaps to convert a series of future short-term borrowings to fixed-rate payments. These interest rate swaps qualify as cash flow hedging instruments under ASC 815 so gains and losses are recorded in Other Comprehensive Income to the extent the hedge is effective. Gains and losses on the interest rate swaps are reclassified from OCI to earnings in the period the hedged transaction affects earnings and are included in the same income statement line item that the hedged transaction is recorded. Mortgage loan "last-of-layer" portfolio hedges. The Company has entered into interest rate swaps to hedge the portion of the respective closed portfolios of prepayable mortgage loans that are expected to remain at the end of the hedge term. These hedges qualify as last-of-layer hedges under ASC 815 and provide for matching of the recognition of the gains and losses on the interest rate swap and the related hedged item.
Premises and equipment	Premises and equipment. Premises and equipment are stated at cost, less accumulated depreciation. Depreciation is computed on the straight-line method over the estimated useful lives of the respective assets. Costs for improvements are capitalized. Charges for ordinary maintenance and repairs are expensed to operations as incurred.
Real estate owned	Real estate owned. Real estate properties acquired through foreclosure of loans or through acquisitions are recorded initially at fair value less selling costs and are subsequently recorded at lower of cost or fair value. Costs for improvements are capitalized. Any gains (losses) and maintenance costs are recorded in Gain (loss) on real estate owned, net.
Intangible assets	Intangible assets. Goodwill represents the excess of the cost of businesses acquired over the fair value of the net assets acquired. Other intangibles, including core deposit intangibles, are acquired assets that lack physical substance but can be distinguished from goodwill. Goodwill is evaluated for impairment on an annual basis during the fourth quarter. Other intangible assets are amortized over their estimated lives and are subject to impairment testing when events or circumstances change. If circumstances indicate that the carrying value of the assets may not be recoverable, an impairment charge could be recorded. The Bank amortizes the core deposit intangibles over their estimated lives using an accelerated method.
Income taxes	Income taxes. Income taxes are accounted for using the asset and liability method, which requires the recognition of deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the financial statements. Under this method, a deferred tax asset or liability is determined based on the temporary differences between the financial statement and corresponding tax treatment of income, gains, losses, deductions or credits using enacted tax rates in effect for the year in which the differences are expected to reverse. The provision for income taxes includes current and deferred income tax expense based on net income adjusted for temporary and permanent differences such as depreciation, loan loss reserve, tax-exempt interest, and affordable housing tax credits. Reserves for uncertain tax positions, together with any related interest and penalties, if applicable, and amortization of affordable housing tax credit investments are recorded within income tax expense.
Accounting for stock-based compensation	Accounting for stock-based compensation. We recognize in the statement of operations the grant-date fair value of stock options and other equity-based forms of compensation issued to employees over the employees' requisite service period (generally the vesting period). The requisite service period may be subject to performance conditions. Stock options and restricted stock awards generally vest ratably over two
Business segments	Business segments. As the Company manages its business and operations on a consolidated basis, management has determined that there is one reportable business segment.
Subsequent events	Subsequent events. On November 13, 2022, the Company announced that it had entered into a definitive merger agreement pursuant to which it will acquire Luther Burbank Corporation (NASDAQ: LBC, “Luther Burbank”) and its wholly-owned subsidiary, Luther Burbank Savings, in an all-stock transaction valued at approximately $654 million based upon the closing price of Washington Federal’s common stock on November 11, 2022. Upon closing of the transaction, which was unanimously approved by the boards of directors of each of Washington Federal and Luther Burbank, and is subject to shareholder and regulatory approval and other customary closing conditions, Luther Burbank shareholders will be entitled to receive 0.3353 shares of Washington Federal common stock for each share of Luther Burbank common stock they own. The transaction, which is anticipated to close as early as the second calendar quarter of 2023, will expand Washington Federal’s franchise into California. The Company has evaluated subsequent events for adjustment to or disclosure in the Company’s consolidated financial statements through the date of this report and has not identified any other recordable or disclosable events.
New accounting pronouncements	In March 2020, the Financial Accounting Standards Board (“FASB”) issued ASU 2020-04, Reference Rate Reform (Topic 848). The amendments in this ASU provide temporary, optional guidance to ease the potential burden in accounting for reference rate reform. The ASU provides optional expedients and exceptions for applying GAAP to transactions affected by reference rate reform if certain criteria are met. The ASU primarily includes relief related to contract modifications and hedging relationships, as well as providing a one-time election for the sale or transfer of debt securities classified as held-to-maturity. This guidance is effective immediately and the amendments may be applied prospectively through December 31, 2022. The Company has evaluated the regulatory requirements to cease the use of LIBOR and has put in place systems and capabilities for this purpose. The adoption of this ASU is not expected to have a material impact on the Company's consolidated financial statements. In March 2022, the FASB issued ASU 2022-01, Derivatives and Hedging (Topic 815) . The amendments in this ASU clarify the guidance on ASC 815 on fair value hedge accounting of interest rate risk for portfolios and financial assets. Among other things, the amended guidance establishes the "last-of-layer" method for making the fair value hedge accounting for these portfolios more accessible and renames that method the "portfolio layer" method. The amendments in this ASU are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We do not expect the amendments to have a material effect on our consolidated financial statements. In March 2022, the FASB issued ASU 2022-02, Financial Instruments - Credit Losses (Topic 326) . The amendments in this ASU eliminate the guidance on troubled debt restructurings while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors made to borrowers experiencing financial difficulties. The ASU also requires that entities disclose current-period gross charge-offs by year of origination for loans and leases. The amendments in this ASU are effective for fiscal years beginning after December 15, 2022, including interim periods within those fiscal years. We do not expect the amendments to have a material effect on our consolidated financial statements.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Sep. 30, 2022
Accounting Policies [Abstract]
Schedule of goodwill and intangible assets	The table below provides detail regarding the Company's intangible assets. Goodwill Core Deposit and Other Intangibles Total (In thousands) Balance at September 30, 2020 $ 302,707 $ 7,199 $ 309,906 Additions 750 750 1,500 Amortization — (1,387) (1,387) Balance at September 30, 2021 303,457 6,562 310,019 Additions — — — Amortization — (1,010) (1,010) Balance at September 30, 2022 $ 303,457 $ 5,552 $ 309,009
Schedule of future amortization expense	The table below presents the estimated future amortization expense of core deposit and other intangibles for the next five years. Fiscal Year Expense (In thousands) 2023 $ 955 2024 921 2025 872 2026 829 2027 654

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Sep. 30, 2022
Investments, Debt and Equity Securities [Abstract]
Investments by contractual maturity date	The tables below provide detail regarding the amortized cost and fair value of available-for-sale and held-to-maturity investment securities. September 30, 2022 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 1 to 5 years $ 40,403 $ — $ (1,049) $ 39,354 3.03 % Asset-backed securities 1 to 5 years 22,527 — (1,141) 21,386 3.27 5 to 10 years 82,962 4 (547) 82,419 3.53 Over 10 years 668,482 783 (6,069) 663,196 3.86 Corporate debt securities due Within 1 year 75,000 4 (200) 74,804 3.74 1 to 5 years 151,411 — (2,748) 148,663 3.59 5 to 10 years 114,414 — (24,124) 90,290 3.87 Municipal bonds due 5 to 10 years 5,751 — (361) 5,390 3.00 Over 10 years 29,871 400 (699) 29,572 5.85 Mortgage-backed securities Agency pass-through certificates 971,916 117 (76,070) 895,963 2.81 2,162,737 1,308 (113,008) 2,051,037 3.36 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 463,299 22 (56,461) 406,860 2.88 463,299 22 (56,461) 406,860 2.88 $ 2,626,036 $ 1,330 $ (169,469) $ 2,457,897 3.28 % September 30, 2021 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due 1 to 5 years 47,339 240 — 47,579 0.44 % 5 to 10 years $ 14,064 $ 136 $ — $ 14,200 2.05 Asset-backed securities 1 to 5 years 19,730 — (434) 19,296 0.52 5 to 10 years 71,207 412 (97) 71,522 0.57 Over 10 years 973,892 14,069 (98) 987,863 0.94 Corporate debt securities due Within 1 year 225,928 7,860 — 233,788 1.57 1 to 5 years 86,802 1,345 — 88,147 4.64 5 to 10 years 28,804 249 — 29,053 1.95 Municipal bonds due Within 1 year 1,493 17 — 1,510 — 5 to 10 years 5,781 294 — 6,075 0.22 Over 10 years 29,909 2,490 — 32,399 5.85 Mortgage-backed securities Agency pass-through certificates 585,121 23,717 (2,011) 606,827 2.60 2,090,070 50,829 (2,640) 2,138,259 1.69 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 366,025 13,522 — 379,547 3.17 366,025 13,522 — 379,547 3.17 $ 2,456,095 $ 64,351 $ (2,640) $ 2,517,806 1.89 %
Schedule of unrealized losses and fair value of securities	The following tables show the gross unrealized losses and fair value of securities as of September 30, 2022 and September 30, 2021, by length of time that individual securities in each category have been in a continuous loss position. There were 223 and 31 securities with an unrealized loss as of September 30, 2022 and September 30, 2021, respectively. 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 impaired. September 30, 2022 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ (27,072) $ 288,753 $ — $ — $ (27,072) $ 288,753 Municipal bonds (1,061) 14,561 — — (1,061) 14,561 U.S. government and agency securities (1,049) 39,354 — — (1,049) 39,354 Asset-backed securities (6,374) 601,248 (1,383) 50,070 (7,757) 651,318 Mortgage-backed securities (63,738) 833,683 (12,331) 53,533 (76,069) 887,216 (99,294) 1,777,599 (13,714) 103,603 (113,008) 1,881,202 Held-to-maturity securities Mortgage-backed securities (56,461) 405,166 — — (56,461) 405,166 $ (155,755) $ 2,182,765 $ (13,714) $ 103,603 $ (169,469) $ 2,286,368 September 30, 2021 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Asset-backed securities $ (15) $ 4,639 $ (614) $ 70,058 $ (629) $ 74,697 Mortgage-backed securities (1,569) 47,758 (442) 32,266 (2,011) 80,024 (1,584) 52,397 (1,056) 102,324 (2,640) 154,721 Held-to-maturity securities Mortgage-backed securities — — — — — — $ (1,584) $ 52,397 $ (1,056) $ 102,324 $ (2,640) $ 154,721
Debt securities, held-to-maturity, continuous unrealized loss position, fair value	The following tables show the gross unrealized losses and fair value of securities as of September 30, 2022 and September 30, 2021, by length of time that individual securities in each category have been in a continuous loss position. There were 223 and 31 securities with an unrealized loss as of September 30, 2022 and September 30, 2021, respectively. 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 impaired. September 30, 2022 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ (27,072) $ 288,753 $ — $ — $ (27,072) $ 288,753 Municipal bonds (1,061) 14,561 — — (1,061) 14,561 U.S. government and agency securities (1,049) 39,354 — — (1,049) 39,354 Asset-backed securities (6,374) 601,248 (1,383) 50,070 (7,757) 651,318 Mortgage-backed securities (63,738) 833,683 (12,331) 53,533 (76,069) 887,216 (99,294) 1,777,599 (13,714) 103,603 (113,008) 1,881,202 Held-to-maturity securities Mortgage-backed securities (56,461) 405,166 — — (56,461) 405,166 $ (155,755) $ 2,182,765 $ (13,714) $ 103,603 $ (169,469) $ 2,286,368 September 30, 2021 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Asset-backed securities $ (15) $ 4,639 $ (614) $ 70,058 $ (629) $ 74,697 Mortgage-backed securities (1,569) 47,758 (442) 32,266 (2,011) 80,024 (1,584) 52,397 (1,056) 102,324 (2,640) 154,721 Held-to-maturity securities Mortgage-backed securities — — — — — — $ (1,584) $ 52,397 $ (1,056) $ 102,324 $ (2,640) $ 154,721

Loans Receivable (Tables)

Loans Receivable (Tables)	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Schedule of loans receivable	The following table is a summary of loans receivable by loan portfolio segment and class. September 30, 2022 September 30, 2021 ($ in thousands) ($ in thousands) Gross loans by category Commercial loans Multi-family $ 2,645,801 13.7 % $ 2,291,477 14.0 % Commercial real estate 3,133,660 16.2 2,443,845 15.0 Commercial & industrial (1) 2,350,984 12.1 2,314,654 14.2 Construction 3,784,388 19.5 2,888,214 17.7 Land - acquisition & development 291,301 1.5 222,457 1.4 Total commercial loans 12,206,134 63.0 10,160,647 62.3 Consumer loans Single-family residential 5,771,862 29.8 4,951,627 30.4 Construction - custom 974,652 5.0 783,221 4.8 Land - consumer lot loans 153,240 0.8 149,956 0.9 HELOC 203,528 1.0 165,989 1.0 Consumer 75,543 0.4 87,892 0.5 Total consumer loans 7,178,825 37.0 6,138,685 37.7 Total gross loans 19,384,959 100 % 16,299,332 100 % Less: Allowance for loan losses 172,808 171,300 Loans in process 3,006,023 2,232,836 Net deferred fees, costs and discounts 92,564 61,626 Total loan contra accounts 3,271,395 2,465,762 Net loans $ 16,113,564 $ 13,833,570 (1) Includes $10,237,000 and $311,795,000 of SBA Payroll Protection Program loans as of September 30, 2022 and September 30, 2021, respectively.
Schedule of fixed and adjustable rate loans	The following summary breaks down the Company's fixed rate and adjustable rate loans by time to maturity or to rate adjustment. See Note G for details regarding fair value 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. September 30, 2022 Fixed-Rate Adjustable-Rate Term To Maturity Loans % of Loans Term To Rate Adjustment Loans % of Loans (In thousands) (In thousands) Within 1 year $ 146,178 0.9 % Less than 1 year $ 4,930,819 30.3 % 1 to 3 years 459,554 2.8 1 to 3 years 474,147 2.9 3 to 5 years 979,946 6.0 3 to 5 years 415,388 2.6 5 to 10 years 2,232,082 13.7 5 to 10 years 108,678 0.7 10 to 20 years 1,171,724 7.2 10 to 20 years 4 — Over 20 years 5,367,852 33.0 Over 20 years — — $ 10,357,336 63.6 % $ 5,929,036 36.4 %
Non accrual loans held by the company	The following table sets forth the amortized cost basis of loans receivable for non-accrual loans and loans 90 days or more past due and still accruing. September 30, 2022 September 30, 2021 (In thousands, except ratio data) Non-accrual Non-accrual with no ACL 90 days or more past due and accruing Non-accrual Non-accrual with no ACL 90 days or more past due and accruing Commercial loans Multi-family $ 5,912 $ — $ — $ 475 $ — $ — Commercial real estate 4,691 — — 8,038 — — Commercial & industrial 5,693 1,308 — 365 30 — Construction — — — 505 — — Land - acquisition & development — — — 2,340 — — Total commercial loans 16,296 1,308 — 11,723 30 — Consumer loans Single-family residential 17,450 — — 19,320 — — Construction - custom 435 — — — — — Land - consumer lot loans 84 — — 359 — — HELOC 233 — — 287 — — Consumer 36 — — 60 — — Total consumer loans 18,238 — — 20,026 — — Total loans $ 34,534 $ 1,308 $ — $ 31,749 $ 30 $ — % of total loans 0.21 % 0.23 %
Analysis of age of loans in past due status	The following tables break down loan delinquencies by loan portfolio segment and class. September 30, 2022 Days Delinquent Based on $ Amount of Loans % based Loan type Loans Receivable (Amortized Cost) Current 30 60 90 Total Past Due ($ in thousands) Commercial loans Multi-Family $ 2,626,479 $ 2,626,479 $ — $ — $ — $ — — % Commercial Real Estate 3,111,112 3,110,056 538 450 68 1,056 0.03 Commercial & Industrial 2,343,403 2,336,791 — 919 5,693 6,612 0.28 Construction - Speculative 1,423,891 1,423,891 — — — — Land - Acquisition & Development 223,616 223,616 — — — — — Total commercial loans 9,728,501 9,720,833 538 1,369 5,761 7,668 0.08 Consumer loans Single-Family Residential 5,726,979 5,708,996 2,796 1,316 13,871 17,983 0.31 Construction - Custom 397,343 396,908 — — 435 435 0.11 Land - Consumer Lot Loans 151,945 151,746 — 139 60 199 0.13 HELOC 206,033 205,605 155 46 227 428 0.21 Consumer 75,571 75,357 162 17 35 214 0.28 Total consumer loans 6,557,871 6,538,612 3,113 1,518 14,628 19,259 0.29 Total Loans $ 16,286,372 $ 16,259,445 $ 3,651 $ 2,887 $ 20,389 $ 26,927 0.17 % Delinquency % 99.83 % 0.02 % 0.02 % 0.13 % 0.17 % September 30, 2021 Days Delinquent Based on $ Amount of Loans % based Loan type Loans Receivable (Amortized Cost) Current 30 60 90 Total Past Due ($ in thousands) Commercial loans Multi-Family $ 2,273,689 $ 2,273,214 $ — $ — $ 475 $ 475 0.02 % Commercial Real Estate 2,429,332 2,428,014 971 64 283 1,318 0.05 Commercial & Industrial 2,303,927 2,303,605 — — 322 322 0.01 Construction - Speculative 1,117,227 1,117,186 — — 41 41 — Land - Acquisition & Development 192,416 190,076 — — 2,340 2,340 1.22 Total commercial loans 8,316,591 8,312,095 971 64 3,461 4,496 0.05 Consumer loans Single-Family Residential 4,937,064 4,915,749 3,627 2,165 15,523 21,315 0.43 Construction - Custom 347,752 347,752 — — — — — Land - Consumer Lot Loans 148,534 147,952 5 307 270 582 0.39 HELOC 166,940 166,627 47 — 266 313 0.19 Consumer 87,989 87,727 152 59 51 262 0.30 Total consumer loans 5,688,279 5,665,807 3,831 2,531 16,110 22,472 0.40 Total Loans $ 14,004,870 $ 13,977,902 $ 4,802 $ 2,595 $ 19,571 $ 26,968 0.19 % Delinquency % 99.81 % 0.03 % 0.02 % 0.14 % 0.19 %
Summary of loans based on credit quality indicators	The following tables present by credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of September 30, 2022 and September 30, 2021. September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2022 2021 2020 2019 2018 Prior to 2018 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 657,144 $ 778,936 $ 500,917 $ 168,568 $ 157,144 $ 315,858 $ 34,102 $ — $ 2,612,669 Substandard 3,951 — 1,729 — 6,560 1,570 — — 13,810 Total $ 661,095 $ 778,936 $ 502,646 $ 168,568 $ 163,704 $ 317,428 $ 34,102 $ — $ 2,626,479 Commercial real estate Pass $ 820,490 $ 679,321 $ 492,826 $ 301,033 $ 218,171 $ 541,008 $ 1,391 $ — $ 3,054,240 Special Mention — 1,594 — — — — — — 1,594 Substandard 259 — 6,074 30,579 4,857 10,923 2,586 — 55,278 Total $ 820,749 $ 680,915 $ 498,900 $ 331,612 $ 223,028 $ 551,931 $ 3,977 $ — $ 3,111,112 Commercial & industrial Pass $ 254,668 $ 435,630 $ 145,799 $ 39,102 $ 25,709 $ 197,909 $ 1,097,696 $ 255 $ 2,196,768 Special Mention 2,503 — — — — — 29,153 — 31,656 Substandard 2,021 12,639 9,803 5,029 1,213 25,519 58,755 — 114,979 Total $ 259,192 $ 448,269 $ 155,602 $ 44,131 $ 26,922 $ 223,428 $ 1,185,604 $ 255 $ 2,343,403 Construction Pass $ 510,764 $ 671,611 $ 142,816 $ 27,260 $ 375 $ — $ 68,808 $ — $ 1,421,634 Substandard — 2,257 — — — — — — 2,257 Total $ 510,764 $ 673,868 $ 142,816 $ 27,260 $ 375 $ — $ 68,808 $ — $ 1,423,891 Land - acquisition & development Pass $ 100,022 $ 64,539 $ 16,934 $ 3,391 $ 8,175 $ 27,955 $ 2,600 $ — $ 223,616 Total $ 100,022 $ 64,539 $ 16,934 $ 3,391 $ 8,175 $ 27,955 $ 2,600 $ — $ 223,616 Total commercial loans Pass $ 2,343,088 $ 2,630,037 $ 1,299,292 $ 539,354 $ 409,574 $ 1,082,730 $ 1,204,597 $ 255 $ 9,508,927 Special Mention 2,503 1,594 — — — — 29,153 — 33,250 Substandard 6,231 14,896 17,606 35,608 12,630 38,012 61,341 — 186,324 Total $ 2,351,822 $ 2,646,527 $ 1,316,898 $ 574,962 $ 422,204 $ 1,120,742 $ 1,295,091 $ 255 $ 9,728,501 September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2022 2021 2020 2019 2018 Prior to 2018 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 1,131,152 $ 1,652,242 $ 771,769 $ 320,546 $ 276,093 $ 1,557,194 $ — $ — $ 5,708,996 30 days past due — — 400 604 — 1,792 — — 2,796 60 days past due — — — — — 1,316 — — 1,316 90+ days past due — — — 477 — 13,394 — — 13,871 Total $ 1,131,152 $ 1,652,242 $ 772,169 $ 321,627 $ 276,093 $ 1,573,696 $ — $ — $ 5,726,979 Construction - custom Current $ 235,030 $ 150,434 $ 9,811 $ 1,155 $ 478 $ — $ — $ — $ 396,908 90+ days past due — 435 — — — — — — 435 Total $ 235,030 $ 150,869 $ 9,811 $ 1,155 $ 478 $ — $ — $ — $ 397,343 Land - consumer lot loans Current $ 53,396 $ 60,454 $ 15,876 $ 5,399 $ 3,433 $ 13,188 $ — $ — $ 151,746 60 days past due — — 139 — — — — — 139 90+ days past due — — — — — 60 — — 60 Total $ 53,396 $ 60,454 $ 16,015 $ 5,399 $ 3,433 $ 13,248 $ — $ — $ 151,945 HELOC Current $ — $ — $ — $ — $ — $ 4,349 $ 200,267 $ 989 $ 205,605 30 days past due — — — — — 95 60 — 155 60 days past due — — — — — 29 17 — 46 90+ days past due — — — — — — 227 — 227 Total $ — $ — $ — $ — $ — $ 4,473 $ 200,571 $ 989 $ 206,033 Consumer Current $ 1,386 $ 10,156 $ 8,038 $ 215 $ 23,919 $ 6,449 $ 25,194 $ — $ 75,357 30 days past due — — — 2 — 153 7 — 162 60 days past due — — — — — 17 — — 17 90+ days past due 1 — — 32 — 2 — — 35 Total $ 1,387 $ 10,156 $ 8,038 $ 249 $ 23,919 $ 6,621 $ 25,201 $ — $ 75,571 Total consumer loans Current $ 1,420,964 $ 1,873,286 $ 805,494 $ 327,315 $ 303,923 $ 1,581,180 $ 225,461 $ 989 $ 6,538,612 30 days past due — — 400 606 — 2,040 67 — 3,113 60 days past due — — 139 — — 1,362 17 — 1,518 90+ days past due 1 435 — 509 — 13,456 227 — 14,628 Total $ 1,420,965 $ 1,873,721 $ 806,033 $ 328,430 $ 303,923 $ 1,598,038 $ 225,772 $ 989 $ 6,557,871 September 30, 2021 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2021 2020 2019 2018 2017 Prior to 2017 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 796,231 $ 479,038 $ 220,483 $ 205,661 $ 217,203 $ 287,595 $ 46,184 $ — $ 2,252,395 Special Mention — 1,763 — 3,111 — — — — 4,874 Substandard — — 7,548 651 3,703 4,518 — — 16,420 Total $ 796,231 $ 480,801 $ 228,031 $ 209,423 $ 220,906 $ 292,113 $ 46,184 $ — $ 2,273,689 Commercial real estate Pass $ 650,457 $ 434,117 $ 270,174 $ 260,344 $ 216,564 $ 339,374 $ 3,109 $ 247 $ 2,174,386 Special Mention — — 4,419 32,931 — 20,275 — — 57,625 Substandard — 8,362 71,972 17,290 46,800 51,800 1,097 — 197,321 Total $ 650,457 $ 442,479 $ 346,565 $ 310,565 $ 263,364 $ 411,449 $ 4,206 $ 247 $ 2,429,332 Commercial & industrial Pass $ 687,597 $ 224,225 $ 50,054 $ 38,595 $ 75,674 $ 155,171 $ 864,669 $ 12,167 $ 2,108,152 Special Mention 5,947 3,287 6,302 — — — 32,588 — 48,124 Substandard 71 46,695 2,690 4,589 37 17,093 76,217 259 147,651 Total $ 693,615 $ 274,207 $ 59,046 $ 43,184 $ 75,711 $ 172,264 $ 973,474 $ 12,426 $ 2,303,927 Construction Pass $ 402,578 $ 362,799 $ 214,189 $ 44,257 $ 15,656 $ — $ 76,312 $ — $ 1,115,791 Special Mention 931 — — — — — — — 931 Substandard — 464 — — 41 — — — 505 Total $ 403,509 $ 363,263 $ 214,189 $ 44,257 $ 15,697 $ — $ 76,312 $ — $ 1,117,227 Land - acquisition & development Pass $ 89,770 $ 37,773 $ 14,070 $ 15,835 $ 13,635 $ 16,393 $ 2,600 $ — $ 190,076 Substandard — — — — 2,340 — — — 2,340 Total $ 89,770 $ 37,773 $ 14,070 $ 15,835 $ 15,975 $ 16,393 $ 2,600 $ — $ 192,416 Total commercial loans Pass $ 2,626,633 $ 1,537,952 $ 768,970 $ 564,692 $ 538,732 $ 798,533 $ 992,874 $ 12,414 $ 7,840,800 Special Mention 6,878 5,050 10,721 36,042 — 20,275 32,588 — 111,554 Substandard 71 55,521 82,210 22,530 52,921 73,411 77,314 259 364,237 Total $ 2,633,582 $ 1,598,523 $ 861,901 $ 623,264 $ 591,653 $ 892,219 $ 1,102,776 $ 12,673 $ 8,316,591 September 30, 2021 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2021 2020 2019 2018 2017 Prior to 2017 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 1,309,354 $ 824,827 $ 413,564 $ 352,070 $ 395,569 $ 1,620,365 $ — $ — $ 4,915,749 30 days past due 3 — 349 59 391 2,825 — — 3,627 60 days past due — — — — — 2,165 — — 2,165 90+ days past due — — — 115 169 15,239 — — 15,523 Total $ 1,309,357 $ 824,827 $ 413,913 $ 352,244 $ 396,129 $ 1,640,594 $ — $ — $ 4,937,064 Construction - custom Current $ 204,614 $ 139,175 $ 2,854 $ 1,109 $ — $ — $ — $ — $ 347,752 Total $ 204,614 $ 139,175 $ 2,854 $ 1,109 $ — $ — $ — $ — $ 347,752 Land - consumer lot loans Current $ 85,342 $ 28,415 $ 9,012 $ 4,454 $ 5,404 $ 15,325 $ — $ — $ 147,952 30 days past due — — — — — 5 — — 5 60 days past due — 142 — — — 165 — — 307 90+ days past due — — — — 116 154 — — 270 Total $ 85,342 $ 28,557 $ 9,012 $ 4,454 $ 5,520 $ 15,649 $ — $ — $ 148,534 HELOC Current $ — $ — $ — $ — $ — $ 4,764 $ 160,183 $ 1,680 $ 166,627 30 days past due — — — — — 31 16 — 47 90+ days past due — — — — — 30 236 — 266 Total $ — $ — $ — $ — $ — $ 4,825 $ 160,435 $ 1,680 $ 166,940 Consumer Current $ 12,091 $ 8,091 $ 606 $ 35,228 $ 36 $ 10,700 $ 20,975 $ — $ 87,727 30 days past due — — 13 — 54 82 3 — 152 60 days past due — — 4 — — 55 — — 59 90+ days past due — — 35 — — 16 — — 51 Total $ 12,091 $ 8,091 $ 658 $ 35,228 $ 90 $ 10,853 $ 20,978 $ — $ 87,989 Total consumer loans Current $ 1,611,401 $ 1,000,508 $ 426,036 $ 392,861 $ 401,009 $ 1,651,154 $ 181,158 $ 1,680 $ 5,665,807 30 days past due 3 — 362 59 445 2,943 19 — 3,831 60 days past due — 142 4 — — 2,385 — — 2,531 90+ days past due — — 35 115 285 15,439 236 — 16,110 Total $ 1,611,404 $ 1,000,650 $ 426,437 $ 393,035 $ 401,739 $ 1,671,921 $ 181,413 $ 1,680 $ 5,688,279 The following tables provide the amortized cost of loans receivable based on risk rating categories (as previously defined). September 30, 2022 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total (In thousands) Loan type Commercial loans Multi-family $ 2,612,669 $ — $ 13,810 $ — $ — $ 2,626,479 Commercial real estate 3,054,241 1,594 55,277 — — 3,111,112 Commercial & industrial 2,196,767 31,656 114,980 — — 2,343,403 Construction - speculative 1,421,634 — 2,257 — — 1,423,891 Land - acquisition & development 223,616 — — — — 223,616 Total commercial loans 9,508,927 33,250 186,324 — — 9,728,501 Consumer loans Single-family residential 5,706,199 — 20,780 — — 5,726,979 Construction - custom 396,908 — 435 — — 397,343 Land - consumer lot loans 151,723 — 222 — — 151,945 HELOC 205,800 — 233 — — 206,033 Consumer 75,570 — 1 — — 75,571 Total consumer loans 6,536,200 — 21,671 — — 6,557,871 Total loans $ 16,045,127 $ 33,250 $ 207,995 $ — $ — $ 16,286,372 Total grade as a % of total loans 98.5 % 0.2 % 1.3 % — % — % September 30, 2021 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands) Loan type Commercial loans Multi-family $ 2,252,395 $ 4,874 $ 16,420 $ — $ — $ 2,273,689 Commercial real estate 2,174,386 57,625 197,321 — — 2,429,332 Commercial & industrial 2,108,152 48,124 147,651 — — 2,303,927 Construction - speculative 1,115,791 931 505 — — 1,117,227 Land - acquisition & development 190,076 — 2,340 — — 192,416 Total commercial loans 7,840,800 111,554 364,237 — — 8,316,591 Consumer loans Single-family residential 4,915,106 — 21,958 — — 4,937,064 Construction - custom 347,752 — — — — 347,752 Land - consumer lot loans 148,010 — 524 — — 148,534 HELOC 166,652 — 288 — — 166,940 Consumer 87,962 — 27 — — 87,989 Total consumer loans 5,665,482 — 22,797 — — 5,688,279 Total gross loans $ 13,506,282 $ 111,554 $ 387,034 $ — $ — $ 14,004,870 Total grade as a % of total gross loans 96.4 % 0.8 % 2.8 % — % — %

Allowance for Loan Losses (Tabl

Allowance for Loan Losses (Tables)	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Summary of activity in allowance for loan losses	The following tables summarize the activity in the allowance for loan losses by loan portfolio segment and class. Twelve Months Ended September 30, 2022 Beginning Charge-offs Recoveries Provision & Ending Allowance (In thousands) Commercial loans Multi-family $ 16,949 $ — $ — $ (4,936) $ 12,013 Commercial real estate 23,437 (529) 984 1,922 25,814 Commercial & industrial 45,957 (1,202) 73 12,382 57,210 Construction - speculative 25,585 — 2,179 (1,603) 26,161 Land - acquisition & development 13,447 (11) 70 (1,228) 12,278 Total commercial loans 125,375 (1,742) 3,306 6,537 133,476 Consumer loans Single-family residential 30,978 — 1,002 (6,462) 25,518 Construction - custom 4,907 — — (1,497) 3,410 Land - consumer lot loans 4,939 (27) 48 87 5,047 HELOC 2,390 — 351 (259) 2,482 Consumer 2,711 (370) 940 (406) 2,875 Total consumer loans 45,925 (397) 2,341 (8,537) 39,332 $ 171,300 $ (2,139) $ 5,647 $ (2,000) $ 172,808 Twelve Months Ended September 30, 2021 Beginning Allowance Charge-offs Recoveries Provision & Ending Allowance (In thousands) Commercial loans Multi-family $ 13,853 $ — $ — $ 3,096 $ 16,949 Commercial real estate 22,516 — 2,789 (1,868) $ 23,437 Commercial & industrial 38,665 (31) 92 7,231 $ 45,957 Construction - speculative 24,156 — — 1,429 $ 25,585 Land - acquisition & development 10,733 (2) 622 2,094 $ 13,447 Total commercial loans 109,923 (33) 3,503 11,982 125,375 Consumer loans Single-family residential 45,186 (106) 2,026 (16,128) 30,978 Construction - custom 3,555 — — 1,352 4,907 Land - consumer lot loans 2,729 — 168 2,042 4,939 HELOC 2,571 — 52 (233) 2,390 Consumer 2,991 (286) 1,021 (1,015) 2,711 Total consumer loans 57,032 (392) 3,267 (13,982) 45,925 $ 166,955 $ (425) $ 6,770 $ (2,000) $ 171,300
Summary of loans based on credit quality indicators	The following tables present by credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of September 30, 2022 and September 30, 2021. September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2022 2021 2020 2019 2018 Prior to 2018 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 657,144 $ 778,936 $ 500,917 $ 168,568 $ 157,144 $ 315,858 $ 34,102 $ — $ 2,612,669 Substandard 3,951 — 1,729 — 6,560 1,570 — — 13,810 Total $ 661,095 $ 778,936 $ 502,646 $ 168,568 $ 163,704 $ 317,428 $ 34,102 $ — $ 2,626,479 Commercial real estate Pass $ 820,490 $ 679,321 $ 492,826 $ 301,033 $ 218,171 $ 541,008 $ 1,391 $ — $ 3,054,240 Special Mention — 1,594 — — — — — — 1,594 Substandard 259 — 6,074 30,579 4,857 10,923 2,586 — 55,278 Total $ 820,749 $ 680,915 $ 498,900 $ 331,612 $ 223,028 $ 551,931 $ 3,977 $ — $ 3,111,112 Commercial & industrial Pass $ 254,668 $ 435,630 $ 145,799 $ 39,102 $ 25,709 $ 197,909 $ 1,097,696 $ 255 $ 2,196,768 Special Mention 2,503 — — — — — 29,153 — 31,656 Substandard 2,021 12,639 9,803 5,029 1,213 25,519 58,755 — 114,979 Total $ 259,192 $ 448,269 $ 155,602 $ 44,131 $ 26,922 $ 223,428 $ 1,185,604 $ 255 $ 2,343,403 Construction Pass $ 510,764 $ 671,611 $ 142,816 $ 27,260 $ 375 $ — $ 68,808 $ — $ 1,421,634 Substandard — 2,257 — — — — — — 2,257 Total $ 510,764 $ 673,868 $ 142,816 $ 27,260 $ 375 $ — $ 68,808 $ — $ 1,423,891 Land - acquisition & development Pass $ 100,022 $ 64,539 $ 16,934 $ 3,391 $ 8,175 $ 27,955 $ 2,600 $ — $ 223,616 Total $ 100,022 $ 64,539 $ 16,934 $ 3,391 $ 8,175 $ 27,955 $ 2,600 $ — $ 223,616 Total commercial loans Pass $ 2,343,088 $ 2,630,037 $ 1,299,292 $ 539,354 $ 409,574 $ 1,082,730 $ 1,204,597 $ 255 $ 9,508,927 Special Mention 2,503 1,594 — — — — 29,153 — 33,250 Substandard 6,231 14,896 17,606 35,608 12,630 38,012 61,341 — 186,324 Total $ 2,351,822 $ 2,646,527 $ 1,316,898 $ 574,962 $ 422,204 $ 1,120,742 $ 1,295,091 $ 255 $ 9,728,501 September 30, 2022 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2022 2021 2020 2019 2018 Prior to 2018 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 1,131,152 $ 1,652,242 $ 771,769 $ 320,546 $ 276,093 $ 1,557,194 $ — $ — $ 5,708,996 30 days past due — — 400 604 — 1,792 — — 2,796 60 days past due — — — — — 1,316 — — 1,316 90+ days past due — — — 477 — 13,394 — — 13,871 Total $ 1,131,152 $ 1,652,242 $ 772,169 $ 321,627 $ 276,093 $ 1,573,696 $ — $ — $ 5,726,979 Construction - custom Current $ 235,030 $ 150,434 $ 9,811 $ 1,155 $ 478 $ — $ — $ — $ 396,908 90+ days past due — 435 — — — — — — 435 Total $ 235,030 $ 150,869 $ 9,811 $ 1,155 $ 478 $ — $ — $ — $ 397,343 Land - consumer lot loans Current $ 53,396 $ 60,454 $ 15,876 $ 5,399 $ 3,433 $ 13,188 $ — $ — $ 151,746 60 days past due — — 139 — — — — — 139 90+ days past due — — — — — 60 — — 60 Total $ 53,396 $ 60,454 $ 16,015 $ 5,399 $ 3,433 $ 13,248 $ — $ — $ 151,945 HELOC Current $ — $ — $ — $ — $ — $ 4,349 $ 200,267 $ 989 $ 205,605 30 days past due — — — — — 95 60 — 155 60 days past due — — — — — 29 17 — 46 90+ days past due — — — — — — 227 — 227 Total $ — $ — $ — $ — $ — $ 4,473 $ 200,571 $ 989 $ 206,033 Consumer Current $ 1,386 $ 10,156 $ 8,038 $ 215 $ 23,919 $ 6,449 $ 25,194 $ — $ 75,357 30 days past due — — — 2 — 153 7 — 162 60 days past due — — — — — 17 — — 17 90+ days past due 1 — — 32 — 2 — — 35 Total $ 1,387 $ 10,156 $ 8,038 $ 249 $ 23,919 $ 6,621 $ 25,201 $ — $ 75,571 Total consumer loans Current $ 1,420,964 $ 1,873,286 $ 805,494 $ 327,315 $ 303,923 $ 1,581,180 $ 225,461 $ 989 $ 6,538,612 30 days past due — — 400 606 — 2,040 67 — 3,113 60 days past due — — 139 — — 1,362 17 — 1,518 90+ days past due 1 435 — 509 — 13,456 227 — 14,628 Total $ 1,420,965 $ 1,873,721 $ 806,033 $ 328,430 $ 303,923 $ 1,598,038 $ 225,772 $ 989 $ 6,557,871 September 30, 2021 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2021 2020 2019 2018 2017 Prior to 2017 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 796,231 $ 479,038 $ 220,483 $ 205,661 $ 217,203 $ 287,595 $ 46,184 $ — $ 2,252,395 Special Mention — 1,763 — 3,111 — — — — 4,874 Substandard — — 7,548 651 3,703 4,518 — — 16,420 Total $ 796,231 $ 480,801 $ 228,031 $ 209,423 $ 220,906 $ 292,113 $ 46,184 $ — $ 2,273,689 Commercial real estate Pass $ 650,457 $ 434,117 $ 270,174 $ 260,344 $ 216,564 $ 339,374 $ 3,109 $ 247 $ 2,174,386 Special Mention — — 4,419 32,931 — 20,275 — — 57,625 Substandard — 8,362 71,972 17,290 46,800 51,800 1,097 — 197,321 Total $ 650,457 $ 442,479 $ 346,565 $ 310,565 $ 263,364 $ 411,449 $ 4,206 $ 247 $ 2,429,332 Commercial & industrial Pass $ 687,597 $ 224,225 $ 50,054 $ 38,595 $ 75,674 $ 155,171 $ 864,669 $ 12,167 $ 2,108,152 Special Mention 5,947 3,287 6,302 — — — 32,588 — 48,124 Substandard 71 46,695 2,690 4,589 37 17,093 76,217 259 147,651 Total $ 693,615 $ 274,207 $ 59,046 $ 43,184 $ 75,711 $ 172,264 $ 973,474 $ 12,426 $ 2,303,927 Construction Pass $ 402,578 $ 362,799 $ 214,189 $ 44,257 $ 15,656 $ — $ 76,312 $ — $ 1,115,791 Special Mention 931 — — — — — — — 931 Substandard — 464 — — 41 — — — 505 Total $ 403,509 $ 363,263 $ 214,189 $ 44,257 $ 15,697 $ — $ 76,312 $ — $ 1,117,227 Land - acquisition & development Pass $ 89,770 $ 37,773 $ 14,070 $ 15,835 $ 13,635 $ 16,393 $ 2,600 $ — $ 190,076 Substandard — — — — 2,340 — — — 2,340 Total $ 89,770 $ 37,773 $ 14,070 $ 15,835 $ 15,975 $ 16,393 $ 2,600 $ — $ 192,416 Total commercial loans Pass $ 2,626,633 $ 1,537,952 $ 768,970 $ 564,692 $ 538,732 $ 798,533 $ 992,874 $ 12,414 $ 7,840,800 Special Mention 6,878 5,050 10,721 36,042 — 20,275 32,588 — 111,554 Substandard 71 55,521 82,210 22,530 52,921 73,411 77,314 259 364,237 Total $ 2,633,582 $ 1,598,523 $ 861,901 $ 623,264 $ 591,653 $ 892,219 $ 1,102,776 $ 12,673 $ 8,316,591 September 30, 2021 Term Loans Amortized Cost Basis by Origination Year (In thousands) 2021 2020 2019 2018 2017 Prior to 2017 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 1,309,354 $ 824,827 $ 413,564 $ 352,070 $ 395,569 $ 1,620,365 $ — $ — $ 4,915,749 30 days past due 3 — 349 59 391 2,825 — — 3,627 60 days past due — — — — — 2,165 — — 2,165 90+ days past due — — — 115 169 15,239 — — 15,523 Total $ 1,309,357 $ 824,827 $ 413,913 $ 352,244 $ 396,129 $ 1,640,594 $ — $ — $ 4,937,064 Construction - custom Current $ 204,614 $ 139,175 $ 2,854 $ 1,109 $ — $ — $ — $ — $ 347,752 Total $ 204,614 $ 139,175 $ 2,854 $ 1,109 $ — $ — $ — $ — $ 347,752 Land - consumer lot loans Current $ 85,342 $ 28,415 $ 9,012 $ 4,454 $ 5,404 $ 15,325 $ — $ — $ 147,952 30 days past due — — — — — 5 — — 5 60 days past due — 142 — — — 165 — — 307 90+ days past due — — — — 116 154 — — 270 Total $ 85,342 $ 28,557 $ 9,012 $ 4,454 $ 5,520 $ 15,649 $ — $ — $ 148,534 HELOC Current $ — $ — $ — $ — $ — $ 4,764 $ 160,183 $ 1,680 $ 166,627 30 days past due — — — — — 31 16 — 47 90+ days past due — — — — — 30 236 — 266 Total $ — $ — $ — $ — $ — $ 4,825 $ 160,435 $ 1,680 $ 166,940 Consumer Current $ 12,091 $ 8,091 $ 606 $ 35,228 $ 36 $ 10,700 $ 20,975 $ — $ 87,727 30 days past due — — 13 — 54 82 3 — 152 60 days past due — — 4 — — 55 — — 59 90+ days past due — — 35 — — 16 — — 51 Total $ 12,091 $ 8,091 $ 658 $ 35,228 $ 90 $ 10,853 $ 20,978 $ — $ 87,989 Total consumer loans Current $ 1,611,401 $ 1,000,508 $ 426,036 $ 392,861 $ 401,009 $ 1,651,154 $ 181,158 $ 1,680 $ 5,665,807 30 days past due 3 — 362 59 445 2,943 19 — 3,831 60 days past due — 142 4 — — 2,385 — — 2,531 90+ days past due — — 35 115 285 15,439 236 — 16,110 Total $ 1,611,404 $ 1,000,650 $ 426,437 $ 393,035 $ 401,739 $ 1,671,921 $ 181,413 $ 1,680 $ 5,688,279 The following tables provide the amortized cost of loans receivable based on risk rating categories (as previously defined). September 30, 2022 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total (In thousands) Loan type Commercial loans Multi-family $ 2,612,669 $ — $ 13,810 $ — $ — $ 2,626,479 Commercial real estate 3,054,241 1,594 55,277 — — 3,111,112 Commercial & industrial 2,196,767 31,656 114,980 — — 2,343,403 Construction - speculative 1,421,634 — 2,257 — — 1,423,891 Land - acquisition & development 223,616 — — — — 223,616 Total commercial loans 9,508,927 33,250 186,324 — — 9,728,501 Consumer loans Single-family residential 5,706,199 — 20,780 — — 5,726,979 Construction - custom 396,908 — 435 — — 397,343 Land - consumer lot loans 151,723 — 222 — — 151,945 HELOC 205,800 — 233 — — 206,033 Consumer 75,570 — 1 — — 75,571 Total consumer loans 6,536,200 — 21,671 — — 6,557,871 Total loans $ 16,045,127 $ 33,250 $ 207,995 $ — $ — $ 16,286,372 Total grade as a % of total loans 98.5 % 0.2 % 1.3 % — % — % September 30, 2021 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands) Loan type Commercial loans Multi-family $ 2,252,395 $ 4,874 $ 16,420 $ — $ — $ 2,273,689 Commercial real estate 2,174,386 57,625 197,321 — — 2,429,332 Commercial & industrial 2,108,152 48,124 147,651 — — 2,303,927 Construction - speculative 1,115,791 931 505 — — 1,117,227 Land - acquisition & development 190,076 — 2,340 — — 192,416 Total commercial loans 7,840,800 111,554 364,237 — — 8,316,591 Consumer loans Single-family residential 4,915,106 — 21,958 — — 4,937,064 Construction - custom 347,752 — — — — 347,752 Land - consumer lot loans 148,010 — 524 — — 148,534 HELOC 166,652 — 288 — — 166,940 Consumer 87,962 — 27 — — 87,989 Total consumer loans 5,665,482 — 22,797 — — 5,688,279 Total gross loans $ 13,506,282 $ 111,554 $ 387,034 $ — $ — $ 14,004,870 Total grade as a % of total gross loans 96.4 % 0.8 % 2.8 % — % — %
Schedule of gross loans by payment activity	The following tables provide information on amortized cost of loans receivable based on borrower payment activity. September 30, 2022 Performing Loans Non-Performing Loans Amount % of Total Loans Amount % of Total Loans (In thousands) (In thousands) Commercial loans Multi-family $ 2,620,567 99.8 % $ 5,912 0.2 % Commercial real estate 3,106,421 99.8 4,691 0.2 Commercial & industrial 2,337,710 99.8 5,693 0.2 Construction - speculative 1,423,891 100.0 — — Land - acquisition & development 223,616 100.0 — — Total commercial loans 9,712,205 99.8 16,296 0.2 Consumer loans Single-family residential 5,709,529 99.7 17,450 0.3 Construction - custom 396,908 99.9 435 0.1 Land - consumer lot loans 151,861 99.9 84 0.1 HELOC 205,800 99.9 233 0.1 Consumer 75,535 100.0 36 — Total consumer loans 6,539,633 99.7 18,238 0.3 Total $ 16,251,838 99.8 % $ 34,534 0.2 % September 30, 2021 Performing Loans Non-Performing Loans Amount % of Total Loans Amount % of Total Loans (In thousands) (In thousands) Commercial loans Multi-family $ 2,273,214 100.0 % $ 475 — % Commercial real estate 2,421,294 99.7 8,038 0.3 Commercial & industrial 2,303,562 100.0 365 — Construction - speculative 1,116,722 100.0 505 — Land - acquisition & development 190,076 98.8 2,340 1.2 Total commercial loans 8,304,868 99.9 11,723 0.1 Consumer loans Single-family residential 4,917,744 99.6 19,320 0.4 Construction - custom 347,752 100.0 — — Land - consumer lot loans 148,175 99.8 359 0.2 HELOC 166,653 99.8 287 0.2 Consumer 87,929 99.9 60 0.1 Total consumer loans 5,668,253 99.6 20,026 0.4 Total gross loans $ 13,973,121 99.8 % $ 31,749 0.2 %

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Sep. 30, 2022
Fair Value Disclosures [Abstract]
Fair value of assets measured on recurring basis	The following tables present the balance and level in the fair value hierarchy for assets and liabilities that are measured at fair value on a recurring basis (with the exception of those measured using the NAV practical expedient). September 30, 2022 Level 1 Level 2 Level 3 Total (In thousands) Available-for-sale securities U.S. government and agency securities $ — $ 39,354 $ — $ 39,354 Asset-backed securities — 767,001 767,001 Municipal bonds — 34,962 — 34,962 Corporate debt securities — 313,757 — 313,757 Mortgage-backed securities Agency pass-through certificates — 895,963 — 895,963 Total Available-for-sale securities — 2,051,037 — 2,051,037 Client swap program hedges — 67,260 — 67,260 Commercial loan hedges — 2,517 — 2,517 Mortgage loan fair value hedges — 36,765 — 36,765 Borrowings cash flow hedges — 179,945 — 179,945 Total Financial Assets $ — $ 2,337,524 $ — $ 2,337,524 Financial Liabilities Client swap program hedges $ — $ 67,260 $ — $ 67,260 Total Financial Liabilities $ — $ 67,260 $ — $ 67,260 September 30, 2021 Level 1 Level 2 Level 3 Total (In thousands) Available-for-sale securities U.S. government and agency securities $ — $ 61,779 $ — $ 61,779 Asset-backed securities — 1,078,681 — 1,078,681 Municipal bonds — 39,984 — 39,984 Corporate debt securities — 350,988 — 350,988 Mortgage-backed securities Agency pass-through certificates — 606,827 — 606,827 Total Available-for-sale securities — 2,138,259 — 2,138,259 Client swap program hedges — 10,983 — 10,983 Borrowings cash flow hedges — 42,442 — 42,442 Total Financial Assets $ — $ 2,191,684 $ — $ 2,191,684 Financial Liabilities Client swap program hedges $ — $ 10,983 $ — $ 10,983 Commercial loan hedges — 2,177 — 2,177 Mortgage loan fair value hedges — 1,641 — 1,641 Total Financial Liabilities $ — $ 14,801 $ — $ 14,801
Aggregated balance of assets measured at estimated fair value on a nonrecurring basis and total losses resulting from those fair value adjustments	The following tables present the aggregated balance of assets that were measured at fair value on a nonrecurring basis for the periods presented, 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. September 30, 2022 Twelve Months Ended September 30, 2022 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) Loans receivable (1) $ — $ — $ 7,912 $ 7,912 $ (1,286) Real estate owned (2) — — 3,128 3,128 (367) Balance at end of period $ — $ — $ 11,040 $ 11,040 $ (1,653) (1) The gains (losses) represent re-measurements of collateral-dependent impaired loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned. September 30, 2021 Twelve Months Ended September 30, 2021 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) Impaired loans (1) $ — $ — $ — $ — $ (105) Real estate owned (2) — — 1,851 1,851 (420) Balance at end of period $ — $ — $ 1,851 $ 1,851 $ (525) (1) The gains (losses) represent re-measurements of collateral-dependent impaired loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned.
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. September 30, 2022 September 30, 2021 Level Carrying Estimated Carrying Estimated (In thousands) Financial assets Cash and cash equivalents 1 $ 683,965 $ 683,965 $ 2,090,809 $ 2,090,809 Available-for-sale securities: U.S. government and agency securities 2 39,354 39,354 61,779 61,779 Asset-backed securities 2 767,001 767,001 1,078,681 1,078,681 Municipal bonds 2 34,962 34,962 39,984 39,984 Corporate debt securities 2 313,757 313,757 350,988 350,988 Mortgage-backed securities Agency pass-through certificates 2 895,963 895,963 606,827 606,827 Total available-for-sale securities 2,051,037 2,051,037 2,138,259 2,138,259 Held-to-maturity securities: Mortgage-backed securities Agency pass-through certificates 2 463,299 406,860 366,025 379,547 Total held-to-maturity securities 463,299 406,860 366,025 379,547 Loans receivable 3 16,113,564 15,417,635 13,833,570 14,279,725 FHLB and FRB stock 2 95,073 95,073 102,863 102,863 Other assets - client swap program hedges 2 67,260 67,260 10,983 10,983 Other assets - commercial loan fair value hedges 2 2,517 2,517 — — Other assets - mortgage loan fair value hedges 2 36,765 36,765 — — Other assets - borrowings cash flow hedges 2 179,945 179,945 42,442 42,442 Financial liabilities Time deposits 2 3,338,043 3,249,169 3,434,087 3,382,206 FHLB advances and other borrowings 2 2,125,000 1,940,813 1,720,000 1,692,412 Other liabilities - client swap program hedges 2 67,260 67,260 10,983 10,983 Other liabilities - commercial loan fair value hedges 2 — — 2,177 2,177 Other liabilities - mortgage loan fair value hedges 2 — — 1,641 1,641

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	12 Months Ended
	Sep. 30, 2022
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 September 30, 2022 and September 30, 2021. September 30, 2022 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 $ 588,676 $ 67,260 Other liabilities $ 588,676 $ 67,260 Commercial loan fair value hedges Other assets 42,209 2,517 Other liabilities — — Mortgage loan fair value hedges Other assets 470,000 36,765 Other liabilities — — Borrowings cash flow hedges Other assets 1,000,000 179,945 Other liabilities — — $ 2,100,885 $ 286,487 $ 588,676 $ 67,260 September 30, 2021 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 $ 644,355 $ 10,983 Other liabilities $ 644,355 $ 10,983 Commercial loan fair value hedges Other assets — — Other liabilities 44,678 2,177 Mortgage loan fair value hedges Other assets — — Other liabilities 470,000 1,641 Borrowings cash flow hedges Other assets 1,000,000 42,442 Other liabilities — — $ 1,644,355 $ 53,425 $ 1,159,033 $ 14,801
Schedule of fair value hedge accounting on carrying value of hedged items	The following tables presents the impact of fair value hedge accounting on the carrying value of the hedged items at September 30, 2022 and September 30, 2021. (In thousands) September 30, 2022 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 Loans receivable (1) (2) $ 1,159,496 $ (39,090) $ 1,159,496 $ (39,090) (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, 2022, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,119,975,000, the cumulative basis adjustment associated with the hedging relationships was $(36,458,000), and the amount of the designated hedged items was $470,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2022, the amortized cost basis of the hedged commercial loans was $39,521,000 and the cumulative basis adjustment associated with the hedging relationships was $(2,632,000). (In thousands) September 30, 2021 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 Loans receivable (1) (2) $ 1,515,487 $ 4,215 $ 1,515,487 $ 4,215 (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, 2021, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,468,517,000, the cumulative basis adjustment associated with the hedging relationships was $1,864,000, and the amount of the designated hedged items was 470,000,000. During the year ended September 30, 2021, hedge accounting was discontinued on $30,000,000 (30%) of a $100,000,000 last of layer hedge. The $1,238,000 unamortized discount associated with the terminated portion of the hedge is being amortized over the remaining life of the associated pool of loans. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2021, the amortized cost basis of the hedged commercial loans was $46,970,000 and the cumulative basis adjustment associated with the hedging relationships was $2,351,000. During the year ended September 30, 2021, hedge accounting was discontinued on a $46,240,000 commercial loan hedge.
Schedule of impact of derivative instruments	The following table presents the impact of derivative instruments (cash flow hedges on borrowings) on AOCI for the periods presented. (In thousands) Twelve Months Ended September 30, Amount of gain/(loss) recognized in AOCI on derivatives in cash flow hedging relationships 2022 2021 Interest rate contracts: Pay fixed/receive floating swaps on cash flow hedges of borrowings $ 137,502 $ 59,817 Total pre-tax gain/(loss) recognized in AOCI $ 137,502 $ 59,817 The following table presents the impact of derivative instruments (client swap program) that are not designated in accounting hedges under ASC 815 for the periods presented. (In thousands) Twelve Months Ended September 30, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2022 2021 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ 78,244 $ 37,218 Receive fixed/pay floating swap Other noninterest income (78,244) (37,218) $ — $ —
Schedule of derivatives instruments statements of financial performance and financial position, location	The following table presents the gains/(losses) on derivative instruments in fair value and cash flow accounting hedging relationships under ASC 815 for the period presented. Twelve Months Ended September 30, 2022 Twelve Months Ended September 30, 2021 Interest income on loans receivable Interest expense on FHLB advances Interest income on loans receivable Interest expense on FHLB advances (In thousands) (In thousands) Interest income/(expense), including the effects of fair value and cash flow hedges $ 601,592 $ (28,729) $ 537,660 $ (44,188) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (1,782) $ (6,320) Recognized on derivatives 43,100 20,736 Recognized on hedged items (43,305) (20,449) Net income/(expense) recognized on fair value hedges $ (1,987) $ (6,033) Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ (408) $ 10,846 Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — 14,110 Net income/(expense) recognized on cash flow hedges $ (408) $ 24,956

Interest Receivable (Tables)

Interest Receivable (Tables)	12 Months Ended
	Sep. 30, 2022
Receivables [Abstract]
Schedule of interest receivable	The following table provides a summary of interest receivable by interest-earning asset type. September 30, 2022 September 30, 2021 (In thousands) Loans receivable $ 57,070 $ 46,234 Mortgage-backed securities 3,313 2,159 Investment securities 3,489 2,243 $ 63,872 $ 50,636

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Sep. 30, 2022
Property, Plant and Equipment [Abstract]
Summary of premises and equipment	The following table provides a summary of premises and equipment by asset type. September 30, 2022 September 30, 2021 Estimated (In thousands) Land — $ 92,938 $ 95,247 Buildings 10 - 40 185,573 185,813 Leasehold improvements 5 - 15 18,361 15,698 Furniture, software and equipment 2 - 10 92,164 91,174 389,036 387,932 Less accumulated depreciation and amortization (145,974) (132,780) $ 243,062 $ 255,152

Customer Accounts (Tables)

Customer Accounts (Tables)	12 Months Ended
	Sep. 30, 2022
Banking and Thrift, Interest [Abstract]
Schedule of deposit liabilities	The following tables provide the composition of the Company's customer accounts, including time deposits. September 30, 2022 September 30, 2021 Deposit Account Balance As a % of Total Deposits Weighted Deposit Account Balance As a % of Total Deposits Weighted ($ in thousands) Non-interest checking $ 3,266,734 20.4 % — % $ 3,122,397 20.1 % — % Interest checking 3,497,795 21.8 0.90 3,566,322 22.9 0.20 Savings 1,059,093 6.6 0.13 1,039,336 6.7 0.11 Money market 4,867,905 30.4 0.49 4,379,970 28.2 0.19 Time deposits 3,338,043 20.8 0.74 3,434,087 22.1 0.54 Total $ 16,029,570 100 % 0.51 % $ 15,542,112 100 % 0.23 %
Schedule of time deposits	Time deposits by rate band are as follows: September 30, 2022 September 30, 2021 (In thousands) Less than 1.00% $ 2,705,212 $ 3,153,788 1.00% to 1.99% 304,702 229,594 2.00% to 2.99% 327,852 50,608 3.00% to 3.99% 277 97 $ 3,338,043 $ 3,434,087 Time deposits by maturity band are as follows: September 30, 2022 September 30, 2021 (In thousands) Three months or less $ 1,007,735 $ 1,085,001 Over 3 through 6 months 966,800 819,906 Over 6 through 12 months 810,680 870,801 Over 12 months 552,828 658,379 $ 3,338,043 $ 3,434,087
Schedule of interest expense on customer deposits	Interest expense on customer accounts consisted of the following: Year ended September 30, 2022 2021 2020 (In thousands) Checking accounts $ 10,086 $ 5,545 $ 8,447 Savings accounts 1,377 1,143 959 Money market accounts 12,423 8,723 18,951 Time deposit accounts 19,422 27,100 72,494 43,308 42,511 100,851 Less early withdrawal penalties (267) (198) (539) $ 43,041 $ 42,313 $ 100,312 Weighted average interest rate at end of year 0.51 % 0.23 % 0.48 % Daily weighted average interest rate during the year 0.34 % 0.35 % 0.94 %

FHLB Advances and Other Borro_2

FHLB Advances and Other Borrowings (Tables)	12 Months Ended
	Sep. 30, 2022
Federal Home Loan Banks [Abstract]
Maturity dates of outstanding FHLB advances	The table below shows the contractual maturity dates of outstanding FHLB advances. September 30, 2022 September 30, 2021 (In thousands) FHLB advances Within 1 year $ 2,025,000 $ 1,320,000 1 to 3 years 100,000 400,000 $ 2,125,000 $ 1,720,000
Weighted average cost and amount of advances	Financial information pertaining to the weighted-average cost and the amount of FHLB advances were as follows. 2022 2021 2020 ($ in thousands) Weighted average interest rate, including cash flow hedges, at end of year 2.02 % 1.51 % 1.79 % Weighted daily average interest rate, including cash flow hedges, during the year 1.66 % 1.98 % 2.03 % Daily average of FHLB advances during the year $ 1,731,110 $ 2,234,027 $ 2,532,596 Maximum amount of FHLB advances at any month end $ 2,125,000 $ 2,700,000 $ 3,050,000 Interest expense during the year (including swap interest income and expense) $ 28,729 $ 44,188 $ 51,445

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Sep. 30, 2022
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) September 30, 2022 September 30, 2021 Operating lease asset $ 25,546 $ 27,785 Operating lease liability $ 27,974 $ 29,569
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) Twelve Months Ended September 30, Twelve Months Ended September 30, 2022 2021 Operating lease cost $ 6,654 $ 6,754 Variable lease cost 1,537 1,095 Sublease income (358) (185) Net lease cost $ 7,833 $ 7,664
Maturities of operating lease liabilities	The following table shows future minimum payments for operating leases as of September 30, 2022 for the respective periods. (In thousands) Year ending September 30, 2023 $ 6,215 2024 5,503 2025 4,596 2026 3,732 2027 2,866 Thereafter 7,783 Total minimum payments 30,695 Amounts representing interest (2,721) Present value of minimum lease payments $ 27,974

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Sep. 30, 2022
Income Tax Disclosure [Abstract]
Summary of major sources of temporary differences and deferred tax effects	The table below provides a summary of the Company's tax assets and liabilities, including deferred tax assets and deferred tax liabilities by major source. Deferred tax balances represent temporary differences between the financial statement and corresponding tax treatment of income, gains, losses, deductions or credits. September 30, 2022 September 30, 2021 (In thousands) Deferred tax assets Allowance for credit losses $ 47,426 $ 45,724 REO reserves 329 173 Non-accrual loan interest 1,104 1,080 Deferred compensation 6,841 6,230 Stock based compensation 2,636 2,508 Lease liability 6,207 6,655 Other 1,329 4,525 Total deferred tax assets 65,872 66,895 Deferred tax liabilities FHLB stock dividends 9,826 9,783 Valuation adjustment on available-for-sale securities and cash flow hedges 15,765 20,845 Loan origination fees and costs 10,918 5,645 Premises and equipment 20,132 21,426 Lease right-of-use assets 5,992 6,249 Equity investments 5,323 2,982 Other 4,141 6,157 Total deferred tax liabilities 72,097 73,087 Net deferred tax asset (liability) (6,225) (6,192) Current tax asset (liability) 2,920 10,069 Net tax asset (liability) $ (3,305) $ 3,877
Schedule of effective income tax rate reconciliation	The table below presents a reconciliation of the statutory federal income tax rate to the Company's effective income tax rate. Year ended September 30, 2022 2021 2020 Statutory income tax rate 21 % 21 % 21 % State income tax 2 2 2 Other differences (2) (2) (2) Effective income tax rate 21 % 21 % 21 %
Schedule of components of income tax expense (benefit)	The following table summarizes the Company's income tax expense (benefit) for the respective periods. Year ended September 30, 2022 2021 2020 (In thousands) Federal: Current $ 50,854 $ 53,820 $ 49,782 Deferred 7,187 (8,468) (7,858) 58,041 45,352 41,924 State: Current 6,600 5,584 5,310 Deferred (934) (1,413) (1,486) 5,666 4,171 3,824 Total Current 57,454 59,404 55,092 Deferred 6,253 (9,881) (9,344) $ 63,707 $ 49,523 $ 45,748

Stock Award Plans (Tables)

Stock Award Plans (Tables)	12 Months Ended
	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Summary of option activity	A summary of stock option activity and changes during the year are as follows. Options Number of Options Weighted Weighted Aggregate Outstanding at September 30, 2020 1,229,724 $ 28.93 9 $ — Granted — — Exercised (19,846) 17.06 Forfeited (179,555) 29.05 Outstanding at September 30, 2021 1,030,323 29.14 8 5,330 Granted 352,043 32.49 Exercised (64,415) 28.16 Forfeited (180,343) 30.24 Outstanding at September 30, 2022 1,137,608 $ 30.06 8 $ — Exercisable at September 30, 2022 156,698 $ 28.16 6.0 $ 285
Schedule of miscellaneous information related to stock options	The table below presents other information regarding stock options. Year ended September 30, 2022 2021 2020 (In thousands, except grant date fair value per stock option) Compensation cost for stock options $ 1,296 $ 1,676 $ 1,344 Weighted average grant date fair value per stock option 5.10 4.39 4.37 Total intrinsic value of options exercised 433 276 102 Grant date fair value of options exercised 345 78 33 Cash received from option exercises 1,823 339 144
Summary of nonvested activity	The following is a summary of activity related to unvested stock options. Year ended September 30, 2022 2021 2020 Unvested Stock Options Options Outstanding Weighted Options Outstanding Weighted Options Outstanding Weighted Outstanding at beginning of period 1,031,134 $ 4.39 1,210,689 $ 4.38 293,167 $ 5.33 Granted 352,043 7.18 — — 1,043,349 4.17 Vested (223,387) 5.32 — — — — Forfeited (178,380) 5.02 (179,555) 4.31 (125,827) 4.83 Outstanding at end of period 981,410 $ 5.07 1,031,134 $ 4.39 1,210,689 $ 4.38 The following table summarizes information about unvested restricted stock activity. Year ended September 30, 2022 2021 2020 Non-vested Restricted Stock Outstanding Weighted Outstanding Weighted Outstanding Weighted Outstanding at beginning of period 522,991 $ 19.96 409,469 $ 24.32 435,838 $ 23.73 Granted 224,593 25.34 331,344 17.04 197,706 26.24 Vested (246,119) 21.34 (132,649) 30.64 (205,715) 25.56 Forfeited (11,688) 23.96 (85,173) 12.94 (18,360) 17.20 Outstanding at end of period 489,777 $ 21.64 522,991 $ 19.96 409,469 $ 24.32

Shareholders' Equity (Tables)

Shareholders' Equity (Tables)	12 Months Ended
	Sep. 30, 2022
Equity [Abstract]
Schedule of compliance with regulatory capital requirements	As of September 30, 2022, and 2021, the Company and the Bank met all capital adequacy requirements to which they are subject, and the Bank's regulators categorized it as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, the Bank must maintain minimum Common Equity Tier 1, Tier 1 risk-based, Total risk-based and Tier 1 leverage ratios as set forth in the following table. The Bank's actual capital amounts and ratios as of these dates are also presented. There are no conditions or events since that management believes have changed the Bank's categorization. Actual Capital Adequacy Categorized as Well Capitalized Under Prompt Corrective Action Provisions Capital Ratio Ratio Ratio September 30, 2022 ($ in thousands) Common Equity Tier 1 risk-based capital ratio: The Company $ 1,613,075 9.86 % 4.50 % NA The Bank 1,781,932 10.89 4.50 6.50 % Tier 1 risk-based capital ratio: The Company 1,913,075 11.69 6.00 NA The Bank 1,781,932 10.89 6.00 8.00 Total risk-based capital ratio: The Company 2,117,574 12.94 8.00 NA The Bank 1,986,434 12.14 8.00 10.00 Tier 1 leverage ratio: The Company 1,913,075 9.51 4.00 NA The Bank 1,781,932 8.86 4.00 5.00 September 30, 2021 Common Equity Tier 1 risk-based capital ratio: The Company $ 1,446,613 9.50 % 4.50 % NA The Bank 1,717,014 11.28 4.50 6.50 % Tier 1 risk-based capital ratio: The Company 1,746,613 11.47 6.00 NA The Bank 1,717,014 11.28 6.00 8.00 Total risk-based capital ratio: The Company 1,937,036 12.72 8.00 NA The Bank 1,907,408 12.53 8.00 10.00 Tier 1 leverage ratio: The Company 1,746,613 9.07 4.00 NA The Bank 1,717,014 8.92 4.00 5.00
Schedule of earnings per share calculation	The following table sets forth information regarding earnings per common share calculations. Year ended September 30, 2022 2021 2020 Weighted average shares outstanding 65,287,650 72,529,188 76,721,969 Weighted average dilutive options 116,460 36,732 9,495 Weighted average diluted shares 65,404,110 72,565,920 76,731,464 Net income available to common shareholders (in thousands) $ 221,705 $ 173,581 $ 173,438 Basic EPS $ 3.40 $ 2.39 $ 2.26 Diluted EPS 3.39 2.39 2.26

Financial Information - Washi_2

Financial Information - Washington Federal, Inc. (Tables)	12 Months Ended
	Sep. 30, 2022
Condensed Financial Information Disclosure [Abstract]
Schedule of condensed financial information of parent company	The following Washington Federal, Inc. (parent company only) financial information should be read in conjunction with the other notes to the Consolidated Financial Statements. Condensed Statements of Financial Condition September 30, 2022 September 30, 2021 (In thousands) Assets Cash $ 130,502 $ 28,696 Other assets 5,000 5,000 Investment in subsidiary 2,143,116 2,096,464 Total assets $ 2,278,618 $ 2,130,160 Liabilities Dividend payable on preferred stock $ 3,656 $ 3,656 Other liabilities 702 440 Total liabilities 4,358 4,096 Shareholders’ equity Total shareholders’ equity 2,274,260 2,126,064 Total liabilities and shareholders’ equity $ 2,278,618 $ 2,130,160 Condensed Statements of Operations Twelve Months Ended September 30, 2022 2021 2020 (In thousands) Income Dividends from subsidiary $ 172,850 $ 92,400 $ 190,900 Total Income 172,850 92,400 190,900 Expense Miscellaneous expense 619 626 529 Total expense 619 626 529 Net income (loss) before equity in undistributed net income (loss) of subsidiary 172,231 91,774 190,371 Equity in undistributed net income (loss) of subsidiaries 63,956 91,697 (17,055) Income before income taxes 236,187 183,471 173,316 Income tax benefit (expense) 143 144 122 Net income 236,330 183,615 173,438 Dividends on preferred stock 14,625 10,034 — Net income available to common shareholders $ 221,705 $ 173,581 $ 173,438 Condensed Statements of Cash Flows Twelve Months Ended September 30, 2022 2021 2020 (In thousands) Cash Flows From Operating Activities Net income $ 236,330 $ 183,615 $ 173,438 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings from investments in subsidiaries (63,956) (91,697) — Distributions in excess of earnings from investments in subsidiaries — — 17,055 Stock based compensation expense 6,808 6,381 6,469 Increase (decrease) in other liabilities 262 440 — Net cash provided by (used in) operating activities 179,444 98,739 196,962 Cash Flows From Investing Activities Purchase of strategic investments — — — Net cash provided by (used in) investing activities — — — Cash Flows From Financing Activities Proceeds from exercise of common stock options and related tax benefit 1,823 339 144 Proceeds from issuance of preferred stock, net — 293,325 Treasury stock purchased (3,260) (348,651) (112,133) Dividends on preferred stock (14,625) (6,378) — Dividends on common stock (61,576) (65,876) (66,496) Net cash provided by (used in) financing activities (77,638) (127,241) (178,485) Increase (decrease) in cash 101,806 (28,502) 18,477 Cash at beginning of year 28,696 57,198 38,721 Cash at end of year $ 130,502 $ 28,696 $ 57,198

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Narrative (Details) $ / shares in Units, $ in Thousands			12 Months Ended
	Nov. 11, 2022 USD ($) $ / shares	Feb. 08, 2021 $ / shares shares	Sep. 30, 2022 USD ($) payment segment branch	Sep. 30, 2021 USD ($)	Sep. 30, 2020 USD ($)	Dec. 31, 2021 USD ($)	Oct. 27, 2020 USD ($)	Oct. 09, 2013 USD ($)
Summary of Significant Accounting Policies [Line Items]
Number of offices | branch			201
Dividend rate		4.875%
Proceeds from issuance of preferred stock, net			$ 0	$ 293,325	$ 0
Cash collateral			284,400	$ 1,500
Fair value of NAV			41,476
Remaining unfunded commitment			$ 7,511
Days past grace period to initiate contact to cure deficiency			30 days
Minimum days past due to begin foreclosure proceedings			90 days
Approximate rate reduction concession, minimum			1%
Approximate rate reduction concession, maximum			2%
Minimum days past due to stop accrual of interest			90 days
Loans returned to full accrual status			90 days
Number of payments required | payment			6
Options exercisable, weighted average remaining contractual term (in years)			6 years
Number of reportable business segments | segment			1
Civil money penalty from consent order issued						$ 2,500	$ 200	$ 34
Subsequent Event
Summary of Significant Accounting Policies [Line Items]
Common stock transaction value	$ 654,000
Number of shares issued in transaction, price per share (in dollars per share) | $ / shares	$ 0.3353
Public Offering
Summary of Significant Accounting Policies [Line Items]
Number of shares issued in transaction (in shares) | shares		12,000,000
Percentage of preferred stock		2.50%
Public offering price (in usd per share) | $ / shares		$ 25
Series A Preferred Stock | Public Offering
Summary of Significant Accounting Policies [Line Items]
Number of shares issued in transaction (in shares) | shares		300,000
Minimum
Summary of Significant Accounting Policies [Line Items]
Term for payment and rate reduction			6 months
Award vesting period (in years)			3 years
Maximum
Summary of Significant Accounting Policies [Line Items]
Term for payment and rate reduction			12 months
Award vesting period (in years)			5 years
Options exercisable, weighted average remaining contractual term (in years)			10 years
Stock Options and Restricted Stock | Minimum
Summary of Significant Accounting Policies [Line Items]
Award vesting period (in years)			2 years
Stock Options and Restricted Stock | Maximum
Summary of Significant Accounting Policies [Line Items]
Award vesting period (in years)			5 years

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Goodwill
Goodwill, beginning of period	$ 303,457	$ 302,707
Additions	0	750
Goodwill, end of period	303,457	303,457
Core Deposit and Other Intangibles
Intangible assets, beginning of period	6,562	7,199
Additions	0	750
Amortization	(1,010)	(1,387)
Intangible assets, end of period	5,552	6,562
Total
Goodwill and intangible assets, beginning of period	310,019	309,906
Additions	0	1,500
Amortization	(1,010)	(1,387)
Goodwill and intangible assets, end of period	$ 309,009	$ 310,019

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Estimated Future Amortization Expense (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2023	$ 955
2024	921
2025	872
2026	829
2027	$ 654

Investment Securities - Investm

Investment Securities - Investments by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Amortized Cost, Available-for-sale securities
Amortized cost	$ 2,162,737	$ 2,090,070
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains	1,308	50,829
Gross unrealized loss	(113,008)	(2,640)
Fair Value, Available-for-sale securities
Available-for-sale securities, at fair value	$ 2,051,037	$ 2,138,259
Yield, Available-for-sale securities
Yield	3.36%	1.69%
Amortized Cost, Held-to-maturity securities
Held-to-maturity securities, amortized cost	$ 463,299	$ 366,025
Gross Unrealized Gains / Losses, Held-to-maturity securities
Gross unrealized gains	22	13,522
Gross unrealized losses	(56,461)	0
Fair Value, Held-to-maturity securities
Fair value	$ 406,860	$ 379,547
Yield, Held-to-maturity securities
Without single maturity date		3.17%
Yield	2.88%
Investments	$ 2,626,036	$ 2,456,095
Gross unrealized gains on investments	1,330	64,351
Gross unrealized losses on investments	(169,469)	(2,640)
Total Financial Assets	$ 2,457,897	$ 2,517,806
Yield on investments	3.28%	1.89%
U.S. government and agency securities
Amortized Cost, Available-for-sale securities
1 to 5 years	$ 40,403	$ 47,339
5 to 10 years		14,064
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, 1 to 5 years	0	240
Gross unrealized gains, 5 to 10 years		136
Gross unrealized losses, 1 to 5 years	(1,049)	0
Gross unrealized losses, 5 to 10 years		0
Fair Value, Available-for-sale securities
1 to 5 years	$ 39,354	47,579
5 to 10 years		$ 14,200
Yield, Available-for-sale securities
1 to 5 years	3.03%	0.44%
5 to 10 years		2.05%
Asset-backed securities
Amortized Cost, Available-for-sale securities
1 to 5 years	$ 22,527	$ 19,730
5 to 10 years	82,962	71,207
Over 10 years	668,482	973,892
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, 1 to 5 years	0	0
Gross unrealized gains, 5 to 10 years	4	412
Gross unrealized gains, over 10 years	783	14,069
Gross unrealized losses, 1 to 5 years	(1,141)	(434)
Gross unrealized losses, 5 to 10 years	(547)	(97)
Gross unrealized losses, over 10 years	(6,069)	(98)
Fair Value, Available-for-sale securities
1 to 5 years	21,386	19,296
5 to 10 years	82,419	71,522
Over 10 years	$ 663,196	$ 987,863
Yield, Available-for-sale securities
1 to 5 years	3.27%	0.52%
5 to 10 years	3.53%	0.57%
Over 10 years	3.86%	0.94%
Corporate debt securities
Amortized Cost, Available-for-sale securities
Within 1 year	$ 75,000	$ 225,928
1 to 5 years	151,411	86,802
5 to 10 years	114,414	28,804
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, within 1 year	4	7,860
Gross unrealized gains, 1 to 5 years	0	1,345
Gross unrealized gains, 5 to 10 years	0	249
Gross unrealized losses, within 1 year	(200)	0
Gross unrealized losses, 1 to 5 years	(2,748)	0
Gross unrealized losses, 5 to 10 years	(24,124)	0
Fair Value, Available-for-sale securities
Within 1 year	74,804	233,788
1 to 5 years	148,663	88,147
5 to 10 years	$ 90,290	$ 29,053
Yield, Available-for-sale securities
Within 1 year	3.74%	1.57%
1 to 5 years	3.59%	4.64%
5 to 10 years	3.87%	1.95%
Municipal bonds
Amortized Cost, Available-for-sale securities
Within 1 year		$ 1,493
5 to 10 years	$ 5,751	5,781
Over 10 years	29,871	29,909
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, within 1 year		17
Gross unrealized gains, 5 to 10 years	0	294
Gross unrealized gains, over 10 years	400	2,490
Gross unrealized losses, within 1 year		0
Gross unrealized losses, 5 to 10 years	(361)	0
Gross unrealized losses, over 10 years	(699)	0
Fair Value, Available-for-sale securities
Within 1 year		1,510
5 to 10 years	5,390	6,075
Over 10 years	$ 29,572	$ 32,399
Yield, Available-for-sale securities
Within 1 year		0%
5 to 10 years	3%	0.22%
Over 10 years	5.85%	5.85%
Agency pass-through certificates
Amortized Cost, Available-for-sale securities
Without single maturity date	$ 971,916	$ 585,121
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, without single maturity date	117	23,717
Gross unrealized losses, without single maturity date	(76,070)	(2,011)
Fair Value, Available-for-sale securities
Without single maturity date	$ 895,963	$ 606,827
Yield, Available-for-sale securities
Without single maturity date	2.81%	2.60%
Amortized Cost, Held-to-maturity securities
Without single maturity date	$ 463,299	$ 366,025
Gross Unrealized Gains / Losses, Held-to-maturity securities
Gross unrealized gains, without single maturity date	22	13,522
Gross unrealized losses, without single maturity date	(56,461)	0
Fair Value, Held-to-maturity securities
Without single maturity date	$ 406,860	$ 379,547
Yield, Held-to-maturity securities
Without single maturity date	2.88%	3.17%

Investment Securities - Narrati

Investment Securities - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Available-for-sale securities purchased	$ 587,942	$ 530,227	$ 1,064,815
Payments to acquire held-to-maturity securities	195,357	0	0
Proceeds from sales of available-for-sale investment securities	5,020	1,499	$ 204,351
Proceeds from sale of held-to-maturity securities	$ 0
Term of contractual due dates (in years)	25 years
Accrued interest for available-for-sale securities	$ 5,694	$ 3,459
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest receivable	Interest receivable
Accrued interest for held-to-maturity securities	$ 1,108	$ 944
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest receivable	Interest receivable

Investment Securities - (Unreal

Investment Securities - (Unrealized Losses and Fair Value of Securities) (Details) $ in Thousands	Sep. 30, 2022 USD ($) security	Sep. 30, 2021 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Number of debt securities with unrealized loss | security	223	31
Available-for-sale securities
Less than 12 months, unrealized gross losses	$ (99,294)	$ (1,584)
12 months or more, unrealized gross losses	(13,714)	(1,056)
Total, unrealized gross losses	(113,008)	(2,640)
Less than 12 months, fair value	1,777,599	52,397
12 months or more, fair value	103,603	102,324
Total, fair value	1,881,202	154,721
Held-to-maturity securities
Less than 12 months, unrealized gross losses	(56,461)	0
12 months or more, unrealized gross losses	0	0
Total unrealized gross losses	(56,461)	0
Less than 12 months, fair value	405,166	0
12 months or more, fair value	0	0
Total, fair value	405,166	0
Less than 12 months, unrealized gross losses	(155,755)	(1,584)
12 months or more, unrealized gross losses	(13,714)	(1,056)
Total unrealized gross losses	(169,469)	(2,640)
Less than 12 months, fair value	2,182,765	52,397
12 months or more, fair value	103,603	102,324
Total fair value	2,286,368	154,721
Corporate debt securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(27,072)
12 months or more, unrealized gross losses	0
Total, unrealized gross losses	(27,072)
Less than 12 months, fair value	288,753
12 months or more, fair value	0
Total, fair value	288,753
Municipal bonds
Available-for-sale securities
Less than 12 months, unrealized gross losses	(1,061)
12 months or more, unrealized gross losses	0
Total, unrealized gross losses	(1,061)
Less than 12 months, fair value	14,561
12 months or more, fair value	0
Total, fair value	14,561
U.S. government and agency securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(1,049)
12 months or more, unrealized gross losses	0
Total, unrealized gross losses	(1,049)
Less than 12 months, fair value	39,354
12 months or more, fair value	0
Total, fair value	39,354
Asset-backed securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(6,374)	(15)
12 months or more, unrealized gross losses	(1,383)	(614)
Total, unrealized gross losses	(7,757)	(629)
Less than 12 months, fair value	601,248	4,639
12 months or more, fair value	50,070	70,058
Total, fair value	651,318	74,697
Mortgage-backed securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(63,738)	(1,569)
12 months or more, unrealized gross losses	(12,331)	(442)
Total, unrealized gross losses	(76,069)	(2,011)
Less than 12 months, fair value	833,683	47,758
12 months or more, fair value	53,533	32,266
Total, fair value	$ 887,216	$ 80,024

Loans Receivable - Schedule of

Loans Receivable - Schedule of Loans Receivable (Details) - USD ($)	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 19,384,959,000	$ 16,299,332,000
Ratio of loan type to all loans	100%	100%
Allowance for loan losses	$ 172,808,000	$ 171,300,000	$ 166,955,000
Loans in process	3,006,023,000	2,232,836,000
Net deferred fees, costs and discounts	92,564,000	61,626,000
Total loan contra accounts	3,271,395,000	2,465,762,000
Net loans	16,113,564,000	13,833,570,000
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 12,206,134,000	$ 10,160,647,000
Ratio of loan type to all loans	63%	62.30%
Allowance for loan losses	$ 133,476,000	$ 125,375,000	109,923,000
Commercial loans | Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 2,645,801,000	$ 2,291,477,000
Ratio of loan type to all loans	13.70%	14%
Allowance for loan losses	$ 12,013,000	$ 16,949,000	13,853,000
Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 3,133,660,000	$ 2,443,845,000
Ratio of loan type to all loans	16.20%	15%
Allowance for loan losses	$ 25,814,000	$ 23,437,000	22,516,000
Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 2,350,984,000	$ 2,314,654,000
Ratio of loan type to all loans	12.10%	14.20%
Allowance for loan losses	$ 57,210,000	$ 45,957,000	38,665,000
Commercial loans | Commercial & industrial | SBA Payroll Protection Program, CARES Act
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	10,237,000	311,795,000
Allowance for loan losses	0
Commercial loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 3,784,388,000	$ 2,888,214,000
Ratio of loan type to all loans	19.50%	17.70%
Allowance for loan losses	$ 26,161,000	$ 25,585,000	24,156,000
Commercial loans | Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 291,301,000	$ 222,457,000
Ratio of loan type to all loans	1.50%	1.40%
Allowance for loan losses	$ 12,278,000	$ 13,447,000	10,733,000
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 7,178,825,000	$ 6,138,685,000
Ratio of loan type to all loans	37%	37.70%
Allowance for loan losses	$ 39,332,000	$ 45,925,000	57,032,000
Consumer loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 974,652,000	$ 783,221,000
Ratio of loan type to all loans	5%	4.80%
Allowance for loan losses	$ 3,410,000	$ 4,907,000	3,555,000
Consumer loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 5,771,862,000	$ 4,951,627,000
Ratio of loan type to all loans	29.80%	30.40%
Allowance for loan losses	$ 25,518,000	$ 30,978,000	45,186,000
Consumer loans | Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 153,240,000	$ 149,956,000
Ratio of loan type to all loans	0.80%	0.90%
Allowance for loan losses	$ 5,047,000	$ 4,939,000	2,729,000
Consumer loans | HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 203,528,000	$ 165,989,000
Ratio of loan type to all loans	1%	1%
Allowance for loan losses	$ 2,482,000	$ 2,390,000	2,571,000
Consumer loans | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 75,543,000	$ 87,892,000
Ratio of loan type to all loans	0.40%	0.50%
Allowance for loan losses	$ 2,875,000	$ 2,711,000	$ 2,991,000

Loans Receivable - Narrative (D

Loans Receivable - Narrative (Details) $ in Thousands	12 Months Ended
	Sep. 30, 2022 USD ($) loan business	Sep. 30, 2021 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Accrued interest receivable for loans	$ 57,070	$ 46,234
Financing Receivable, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Interest receivable	Interest receivable
Loans pledged to secure borrowings from the Federal Home Loan Bank	$ 8,224,951	$ 5,930,015
Number of businesses assisted, CARES Act | business	9,000
Amount of PPP loans receivables	$ 10,141
Approximate rate reduction concession, minimum	1%
Approximate rate reduction concession, maximum	2%
TDRs that subsequently defaulted, recorded investment	$ 56,817	65,128
Percent of restructured loans performing	98.30%
Single family residential loans as percentage of restructured loans	82.50%
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	12 months
SBA Payroll Protection Program, CARES Act
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of PPP loans authorized, CARES Act	$ 1,085,000
Number of PPP loans forgiven | loan	8,800
Amount of PPP loans forgiven	$ 1,075,000
Financing Receivable from Related Party Including Unfunded Loan Commitment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans granted to officers, directors, and related interests	$ 144,178	$ 142,806
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans approved for deferrals, CARES Act | loan	1,472
Number of contracts | loan	1
Total loans modified	$ 64
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of loans approved for deferrals, CARES Act | loan	221

Loans Receivable - Interest Rat

Loans Receivable - Interest Rate Terms (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 10,357,336
% of gross loans, fixed-rate	63.60%
Gross loans, adjustable rate	$ 5,929,036
% of gross loans, adjustable rate	36.40%
Within 1 year
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 146,178
% of gross loans, fixed-rate	0.90%
Gross loans, adjustable rate	$ 4,930,819
% of gross loans, adjustable rate	30.30%
1 to 3 years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 459,554
% of gross loans, fixed-rate	2.80%
Gross loans, adjustable rate	$ 474,147
% of gross loans, adjustable rate	2.90%
3 to 5 years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 979,946
% of gross loans, fixed-rate	6%
Gross loans, adjustable rate	$ 415,388
% of gross loans, adjustable rate	2.60%
5 to 10 years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 2,232,082
% of gross loans, fixed-rate	13.70%
Gross loans, adjustable rate	$ 108,678
% of gross loans, adjustable rate	0.70%
10 to 20 years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 1,171,724
% of gross loans, fixed-rate	7.20%
Gross loans, adjustable rate	$ 4
% of gross loans, adjustable rate	0%
Over 20 years
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans, fixed-rate	$ 5,367,852
% of gross loans, fixed-rate	33%
Gross loans, adjustable rate	$ 0
% of gross loans, adjustable rate	0%

Loans Receivable - Loans on Non

Loans Receivable - Loans on Non-accrual Status (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual percent of total loans	0.21%	0.23%
Financial Asset Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	$ 34,534	$ 31,749
Non-accrual with no ACL	1,308	30
90 days or more past due and accruing	0	0
Financial Asset Originated | Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	16,296	11,723
Non-accrual with no ACL	1,308	30
90 days or more past due and accruing	0	0
Financial Asset Originated | Commercial loans | Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	5,912	475
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	4,691	8,038
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	5,693	365
Non-accrual with no ACL	1,308	30
90 days or more past due and accruing	0	0
Financial Asset Originated | Commercial loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	0	505
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Commercial loans | Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	0	2,340
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	18,238	20,026
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Consumer loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	435	0
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Consumer loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	17,450	19,320
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Consumer loans | Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	84	359
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Consumer loans | HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	233	287
Non-accrual with no ACL	0	0
90 days or more past due and accruing	0	0
Financial Asset Originated | Consumer loans | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual	36	60
Non-accrual with no ACL	0	0
90 days or more past due and accruing	$ 0	$ 0

Loans Receivable - Loans Receiv

Loans Receivable - Loans Receivable, Analysis of Age of Loans in Past Due Status (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 16,286,372	$ 14,004,870
% based on $, past due	0.17%	0.19%
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 16,259,445	$ 13,977,902
Delinquency %, current	99.83%	99.81%
Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 26,927	$ 26,968
% based on $, past due	0.17%	0.19%
30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 3,651	$ 4,802
% based on $, past due	0.02%	0.03%
60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 2,887	$ 2,595
% based on $, past due	0.02%	0.02%
90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 20,389	$ 19,571
% based on $, past due	0.13%	0.14%
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 9,728,501	$ 8,316,591
% based on $, past due	0.08%	0.05%
Commercial loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 9,720,833	$ 8,312,095
Commercial loans | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	7,668	4,496
Commercial loans | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	538	971
Commercial loans | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,369	64
Commercial loans | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	5,761	3,461
Commercial loans | Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 2,626,479	$ 2,273,689
% based on $, past due	0%	0.02%
Commercial loans | Multi-family | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 2,626,479	$ 2,273,214
Commercial loans | Multi-family | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	475
Commercial loans | Multi-family | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Multi-family | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Multi-family | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	475
Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 3,111,112	$ 2,429,332
% based on $, past due	0.03%	0.05%
Commercial loans | Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 3,110,056	$ 2,428,014
Commercial loans | Commercial real estate | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,056	1,318
Commercial loans | Commercial real estate | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	538	971
Commercial loans | Commercial real estate | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	450	64
Commercial loans | Commercial real estate | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	68	283
Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 2,343,403	$ 2,303,927
% based on $, past due	0.28%	0.01%
Commercial loans | Commercial & industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 2,336,791	$ 2,303,605
Commercial loans | Commercial & industrial | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	6,612	322
Commercial loans | Commercial & industrial | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Commercial & industrial | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	919	0
Commercial loans | Commercial & industrial | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	5,693	322
Commercial loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 1,423,891	$ 1,117,227
% based on $, past due	0%	0%
Commercial loans | Construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 1,423,891	$ 1,117,186
Commercial loans | Construction | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	41
Commercial loans | Construction | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Construction | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Construction | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process		41
Commercial loans | Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 223,616	$ 192,416
% based on $, past due	0%	1.22%
Commercial loans | Land - acquisition & development | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 223,616	$ 190,076
Commercial loans | Land - acquisition & development | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	2,340
Commercial loans | Land - acquisition & development | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Land - acquisition & development | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Commercial loans | Land - acquisition & development | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	2,340
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 6,557,871	$ 5,688,279
% based on $, past due	0.29%	0.40%
Consumer loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 6,538,612	$ 5,665,807
Consumer loans | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	19,259	22,472
Consumer loans | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	3,113	3,831
Consumer loans | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,518	2,531
Consumer loans | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	14,628	16,110
Consumer loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 397,343	$ 347,752
% based on $, past due	0.11%	0%
Consumer loans | Construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 396,908	$ 347,752
Consumer loans | Construction | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	435	0
Consumer loans | Construction | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Consumer loans | Construction | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	0
Consumer loans | Construction | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	435	0
Consumer loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 5,726,979	$ 4,937,064
% based on $, past due	0.31%	0.43%
Consumer loans | Single-family residential | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 5,708,996	$ 4,915,749
Consumer loans | Single-family residential | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	17,983	21,315
Consumer loans | Single-family residential | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	2,796	3,627
Consumer loans | Single-family residential | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	1,316	2,165
Consumer loans | Single-family residential | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	13,871	15,523
Consumer loans | Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 151,945	$ 148,534
% based on $, past due	0.13%	0.39%
Consumer loans | Land - consumer lot loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 151,746	$ 147,952
Consumer loans | Land - consumer lot loans | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	199	582
Consumer loans | Land - consumer lot loans | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	0	5
Consumer loans | Land - consumer lot loans | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	139	307
Consumer loans | Land - consumer lot loans | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	60	270
Consumer loans | HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 206,033	$ 166,940
% based on $, past due	0.21%	0.19%
Consumer loans | HELOC | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 205,605	$ 166,627
Consumer loans | HELOC | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	428	313
Consumer loans | HELOC | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	155	47
Consumer loans | HELOC | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	46	0
Consumer loans | HELOC | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	227	266
Consumer loans | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 75,571	$ 87,989
% based on $, past due	0.28%	0.30%
Consumer loans | Consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 75,357	$ 87,727
Consumer loans | Consumer | Total Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	214	262
Consumer loans | Consumer | 30 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	162	152
Consumer loans | Consumer | 60 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	17	59
Consumer loans | Consumer | 90 Days Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net of loans in process	$ 35	$ 51

Loans Receivable - Loans Based

Loans Receivable - Loans Based on Credit Quality Indicators (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	$ 2,351,822	$ 2,633,582
Year Before Current Fiscal Year	2,646,527	1,598,523
Two Years Before Current Fiscal Year	1,316,898	861,901
Three Years Before Current Fiscal Year	574,962	623,264
Four Years Before Current Fiscal Year	422,204	591,653
More than Five Years Before Current Fiscal Year	1,120,742	892,219
Revolving Loans	1,295,091	1,102,776
Revolving to Term Loans	255	12,673
Total Loans	9,728,501	8,316,591
Commercial loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	2,343,088	2,626,633
Year Before Current Fiscal Year	2,630,037	1,537,952
Two Years Before Current Fiscal Year	1,299,292	768,970
Three Years Before Current Fiscal Year	539,354	564,692
Four Years Before Current Fiscal Year	409,574	538,732
More than Five Years Before Current Fiscal Year	1,082,730	798,533
Revolving Loans	1,204,597	992,874
Revolving to Term Loans	255	12,414
Total Loans	9,508,927	7,840,800
Commercial loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	2,503	6,878
Year Before Current Fiscal Year	1,594	5,050
Two Years Before Current Fiscal Year	0	10,721
Three Years Before Current Fiscal Year	0	36,042
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	0	20,275
Revolving Loans	29,153	32,588
Revolving to Term Loans	0	0
Total Loans	33,250	111,554
Commercial loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	6,231	71
Year Before Current Fiscal Year	14,896	55,521
Two Years Before Current Fiscal Year	17,606	82,210
Three Years Before Current Fiscal Year	35,608	22,530
Four Years Before Current Fiscal Year	12,630	52,921
More than Five Years Before Current Fiscal Year	38,012	73,411
Revolving Loans	61,341	77,314
Revolving to Term Loans	0	259
Total Loans	186,324	364,237
Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	661,095	796,231
Year Before Current Fiscal Year	778,936	480,801
Two Years Before Current Fiscal Year	502,646	228,031
Three Years Before Current Fiscal Year	168,568	209,423
Four Years Before Current Fiscal Year	163,704	220,906
More than Five Years Before Current Fiscal Year	317,428	292,113
Revolving Loans	34,102	46,184
Revolving to Term Loans	0	0
Total Loans	2,626,479	2,273,689
Commercial loans | Multi-family | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	657,144	796,231
Year Before Current Fiscal Year	778,936	479,038
Two Years Before Current Fiscal Year	500,917	220,483
Three Years Before Current Fiscal Year	168,568	205,661
Four Years Before Current Fiscal Year	157,144	217,203
More than Five Years Before Current Fiscal Year	315,858	287,595
Revolving Loans	34,102	46,184
Revolving to Term Loans	0	0
Total Loans	2,612,669	2,252,395
Commercial loans | Multi-family | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		0
Year Before Current Fiscal Year		1,763
Two Years Before Current Fiscal Year		0
Three Years Before Current Fiscal Year		3,111
Four Years Before Current Fiscal Year		0
More than Five Years Before Current Fiscal Year		0
Revolving Loans		0
Revolving to Term Loans		0
Total Loans		4,874
Commercial loans | Multi-family | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	3,951	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	1,729	7,548
Three Years Before Current Fiscal Year	0	651
Four Years Before Current Fiscal Year	6,560	3,703
More than Five Years Before Current Fiscal Year	1,570	4,518
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	13,810	16,420
Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	820,749	650,457
Year Before Current Fiscal Year	680,915	442,479
Two Years Before Current Fiscal Year	498,900	346,565
Three Years Before Current Fiscal Year	331,612	310,565
Four Years Before Current Fiscal Year	223,028	263,364
More than Five Years Before Current Fiscal Year	551,931	411,449
Revolving Loans	3,977	4,206
Revolving to Term Loans	0	247
Total Loans	3,111,112	2,429,332
Commercial loans | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	820,490	650,457
Year Before Current Fiscal Year	679,321	434,117
Two Years Before Current Fiscal Year	492,826	270,174
Three Years Before Current Fiscal Year	301,033	260,344
Four Years Before Current Fiscal Year	218,171	216,564
More than Five Years Before Current Fiscal Year	541,008	339,374
Revolving Loans	1,391	3,109
Revolving to Term Loans	0	247
Total Loans	3,054,240	2,174,386
Commercial loans | Commercial real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	1,594	0
Two Years Before Current Fiscal Year	0	4,419
Three Years Before Current Fiscal Year	0	32,931
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	0	20,275
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	1,594	57,625
Commercial loans | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	259	0
Year Before Current Fiscal Year	0	8,362
Two Years Before Current Fiscal Year	6,074	71,972
Three Years Before Current Fiscal Year	30,579	17,290
Four Years Before Current Fiscal Year	4,857	46,800
More than Five Years Before Current Fiscal Year	10,923	51,800
Revolving Loans	2,586	1,097
Revolving to Term Loans	0	0
Total Loans	55,278	197,321
Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	259,192	693,615
Year Before Current Fiscal Year	448,269	274,207
Two Years Before Current Fiscal Year	155,602	59,046
Three Years Before Current Fiscal Year	44,131	43,184
Four Years Before Current Fiscal Year	26,922	75,711
More than Five Years Before Current Fiscal Year	223,428	172,264
Revolving Loans	1,185,604	973,474
Revolving to Term Loans	255	12,426
Total Loans	2,343,403	2,303,927
Commercial loans | Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	254,668	687,597
Year Before Current Fiscal Year	435,630	224,225
Two Years Before Current Fiscal Year	145,799	50,054
Three Years Before Current Fiscal Year	39,102	38,595
Four Years Before Current Fiscal Year	25,709	75,674
More than Five Years Before Current Fiscal Year	197,909	155,171
Revolving Loans	1,097,696	864,669
Revolving to Term Loans	255	12,167
Total Loans	2,196,768	2,108,152
Commercial loans | Commercial & industrial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	2,503	5,947
Year Before Current Fiscal Year	0	3,287
Two Years Before Current Fiscal Year	0	6,302
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	0	0
Revolving Loans	29,153	32,588
Revolving to Term Loans	0	0
Total Loans	31,656	48,124
Commercial loans | Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	2,021	71
Year Before Current Fiscal Year	12,639	46,695
Two Years Before Current Fiscal Year	9,803	2,690
Three Years Before Current Fiscal Year	5,029	4,589
Four Years Before Current Fiscal Year	1,213	37
More than Five Years Before Current Fiscal Year	25,519	17,093
Revolving Loans	58,755	76,217
Revolving to Term Loans	0	259
Total Loans	114,979	147,651
Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	510,764	403,509
Year Before Current Fiscal Year	673,868	363,263
Two Years Before Current Fiscal Year	142,816	214,189
Three Years Before Current Fiscal Year	27,260	44,257
Four Years Before Current Fiscal Year	375	15,697
More than Five Years Before Current Fiscal Year	0	0
Revolving Loans	68,808	76,312
Revolving to Term Loans	0	0
Total Loans	1,423,891	1,117,227
Commercial loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	510,764	402,578
Year Before Current Fiscal Year	671,611	362,799
Two Years Before Current Fiscal Year	142,816	214,189
Three Years Before Current Fiscal Year	27,260	44,257
Four Years Before Current Fiscal Year	375	15,656
More than Five Years Before Current Fiscal Year	0	0
Revolving Loans	68,808	76,312
Revolving to Term Loans	0	0
Total Loans	1,421,634	1,115,791
Commercial loans | Construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		931
Year Before Current Fiscal Year		0
Two Years Before Current Fiscal Year		0
Three Years Before Current Fiscal Year		0
Four Years Before Current Fiscal Year		0
More than Five Years Before Current Fiscal Year		0
Revolving Loans		0
Revolving to Term Loans		0
Total Loans		931
Commercial loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	2,257	464
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	41
More than Five Years Before Current Fiscal Year	0	0
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	2,257	505
Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	100,022	89,770
Year Before Current Fiscal Year	64,539	37,773
Two Years Before Current Fiscal Year	16,934	14,070
Three Years Before Current Fiscal Year	3,391	15,835
Four Years Before Current Fiscal Year	8,175	15,975
More than Five Years Before Current Fiscal Year	27,955	16,393
Revolving Loans	2,600	2,600
Revolving to Term Loans	0	0
Total Loans	223,616	192,416
Commercial loans | Land - acquisition & development | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	100,022	89,770
Year Before Current Fiscal Year	64,539	37,773
Two Years Before Current Fiscal Year	16,934	14,070
Three Years Before Current Fiscal Year	3,391	15,835
Four Years Before Current Fiscal Year	8,175	13,635
More than Five Years Before Current Fiscal Year	27,955	16,393
Revolving Loans	2,600	2,600
Revolving to Term Loans	0	0
Total Loans	223,616	190,076
Commercial loans | Land - acquisition & development | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		0
Year Before Current Fiscal Year		0
Two Years Before Current Fiscal Year		0
Three Years Before Current Fiscal Year		0
Four Years Before Current Fiscal Year		2,340
More than Five Years Before Current Fiscal Year		0
Revolving Loans		0
Revolving to Term Loans		0
Total Loans		2,340
Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,420,965	1,611,404
Year Before Current Fiscal Year	1,873,721	1,000,650
Two Years Before Current Fiscal Year	806,033	426,437
Three Years Before Current Fiscal Year	328,430	393,035
Four Years Before Current Fiscal Year	303,923	401,739
More than Five Years Before Current Fiscal Year	1,598,038	1,671,921
Revolving Loans	225,772	181,413
Revolving to Term Loans	989	1,680
Total Loans	6,557,871	5,688,279
Consumer loans | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,420,964	1,611,401
Year Before Current Fiscal Year	1,873,286	1,000,508
Two Years Before Current Fiscal Year	805,494	426,036
Three Years Before Current Fiscal Year	327,315	392,861
Four Years Before Current Fiscal Year	303,923	401,009
More than Five Years Before Current Fiscal Year	1,581,180	1,651,154
Revolving Loans	225,461	181,158
Revolving to Term Loans	989	1,680
Total Loans	6,538,612	5,665,807
Consumer loans | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	3
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	400	362
Three Years Before Current Fiscal Year	606	59
Four Years Before Current Fiscal Year	0	445
More than Five Years Before Current Fiscal Year	2,040	2,943
Revolving Loans	67	19
Revolving to Term Loans	0	0
Total Loans	3,113	3,831
Consumer loans | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	142
Two Years Before Current Fiscal Year	139	4
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	1,362	2,385
Revolving Loans	17	0
Revolving to Term Loans	0	0
Total Loans	1,518	2,531
Consumer loans | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1	0
Year Before Current Fiscal Year	435	0
Two Years Before Current Fiscal Year	0	35
Three Years Before Current Fiscal Year	509	115
Four Years Before Current Fiscal Year	0	285
More than Five Years Before Current Fiscal Year	13,456	15,439
Revolving Loans	227	236
Revolving to Term Loans	0	0
Total Loans	14,628	16,110
Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	235,030	204,614
Year Before Current Fiscal Year	150,869	139,175
Two Years Before Current Fiscal Year	9,811	2,854
Three Years Before Current Fiscal Year	1,155	1,109
Four Years Before Current Fiscal Year	478	0
More than Five Years Before Current Fiscal Year	0	0
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	397,343	347,752
Consumer loans | Construction | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	235,030	204,614
Year Before Current Fiscal Year	150,434	139,175
Two Years Before Current Fiscal Year	9,811	2,854
Three Years Before Current Fiscal Year	1,155	1,109
Four Years Before Current Fiscal Year	478	0
More than Five Years Before Current Fiscal Year	0	0
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	396,908	347,752
Consumer loans | Construction | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0
Year Before Current Fiscal Year	435
Two Years Before Current Fiscal Year	0
Three Years Before Current Fiscal Year	0
Four Years Before Current Fiscal Year	0
More Than Five Years Before Current Fiscal Year	0
Revolving Loans	0
Revolving to Term Loans	0
Financing receivable, gross	435
Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,131,152	1,309,357
Year Before Current Fiscal Year	1,652,242	824,827
Two Years Before Current Fiscal Year	772,169	413,913
Three Years Before Current Fiscal Year	321,627	352,244
Four Years Before Current Fiscal Year	276,093	396,129
More than Five Years Before Current Fiscal Year	1,573,696	1,640,594
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	5,726,979	4,937,064
Consumer loans | Single-family residential | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,131,152	1,309,354
Year Before Current Fiscal Year	1,652,242	824,827
Two Years Before Current Fiscal Year	771,769	413,564
Three Years Before Current Fiscal Year	320,546	352,070
Four Years Before Current Fiscal Year	276,093	395,569
More than Five Years Before Current Fiscal Year	1,557,194	1,620,365
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	5,708,996	4,915,749
Consumer loans | Single-family residential | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	3
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	400	349
Three Years Before Current Fiscal Year	604	59
Four Years Before Current Fiscal Year	0	391
More than Five Years Before Current Fiscal Year	1,792	2,825
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	2,796	3,627
Consumer loans | Single-family residential | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	1,316	2,165
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	1,316	2,165
Consumer loans | Single-family residential | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	477	115
Four Years Before Current Fiscal Year	0	169
More than Five Years Before Current Fiscal Year	13,394	15,239
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	13,871	15,523
Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	53,396	85,342
Year Before Current Fiscal Year	60,454	28,557
Two Years Before Current Fiscal Year	16,015	9,012
Three Years Before Current Fiscal Year	5,399	4,454
Four Years Before Current Fiscal Year	3,433	5,520
More than Five Years Before Current Fiscal Year	13,248	15,649
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	151,945	148,534
Consumer loans | Land - consumer lot loans | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	53,396	85,342
Year Before Current Fiscal Year	60,454	28,415
Two Years Before Current Fiscal Year	15,876	9,012
Three Years Before Current Fiscal Year	5,399	4,454
Four Years Before Current Fiscal Year	3,433	5,404
More than Five Years Before Current Fiscal Year	13,188	15,325
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	151,746	147,952
Consumer loans | Land - consumer lot loans | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year		0
Year Before Current Fiscal Year		0
Two Years Before Current Fiscal Year		0
Three Years Before Current Fiscal Year		0
Four Years Before Current Fiscal Year		0
More than Five Years Before Current Fiscal Year		5
Revolving Loans		0
Revolving to Term Loans		0
Total Loans		5
Consumer loans | Land - consumer lot loans | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	142
Two Years Before Current Fiscal Year	139	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	0	165
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	139	307
Consumer loans | Land - consumer lot loans | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	116
More than Five Years Before Current Fiscal Year	60	154
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	60	270
Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	4,473	4,825
Revolving Loans	200,571	160,435
Revolving to Term Loans	989	1,680
Total Loans	206,033	166,940
Consumer loans | HELOC | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	4,349	4,764
Revolving Loans	200,267	160,183
Revolving to Term Loans	989	1,680
Total Loans	205,605	166,627
Consumer loans | HELOC | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	95	31
Revolving Loans	60	16
Revolving to Term Loans	0	0
Total Loans	155	47
Consumer loans | HELOC | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0
Year Before Current Fiscal Year	0
Two Years Before Current Fiscal Year	0
Three Years Before Current Fiscal Year	0
Four Years Before Current Fiscal Year	0
More Than Five Years Before Current Fiscal Year	29
Revolving Loans	17
Revolving to Term Loans	0
Financing receivable, gross	46
Consumer loans | HELOC | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	0
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	0	30
Revolving Loans	227	236
Revolving to Term Loans	0	0
Total Loans	227	266
Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,387	12,091
Year Before Current Fiscal Year	10,156	8,091
Two Years Before Current Fiscal Year	8,038	658
Three Years Before Current Fiscal Year	249	35,228
Four Years Before Current Fiscal Year	23,919	90
More than Five Years Before Current Fiscal Year	6,621	10,853
Revolving Loans	25,201	20,978
Revolving to Term Loans	0	0
Total Loans	75,571	87,989
Consumer loans | Consumer | Current
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1,386	12,091
Year Before Current Fiscal Year	10,156	8,091
Two Years Before Current Fiscal Year	8,038	606
Three Years Before Current Fiscal Year	215	35,228
Four Years Before Current Fiscal Year	23,919	36
More than Five Years Before Current Fiscal Year	6,449	10,700
Revolving Loans	25,194	20,975
Revolving to Term Loans	0	0
Total Loans	75,357	87,727
Consumer loans | Consumer | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	13
Three Years Before Current Fiscal Year	2	0
Four Years Before Current Fiscal Year	0	54
More than Five Years Before Current Fiscal Year	153	82
Revolving Loans	7	3
Revolving to Term Loans	0	0
Total Loans	162	152
Consumer loans | Consumer | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	0	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	4
Three Years Before Current Fiscal Year	0	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	17	55
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	17	59
Consumer loans | Consumer | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
Current Fiscal Year	1	0
Year Before Current Fiscal Year	0	0
Two Years Before Current Fiscal Year	0	35
Three Years Before Current Fiscal Year	32	0
Four Years Before Current Fiscal Year	0	0
More than Five Years Before Current Fiscal Year	2	16
Revolving Loans	0	0
Revolving to Term Loans	0	0
Total Loans	$ 35	$ 51

Allowance for Loan Losses - All

Allowance for Loan Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	$ 171,300	$ 166,955
Charge-offs	(2,139)	(425)
Recoveries	5,647	6,770
Provision & Transfers	(2,000)	(2,000)
Ending allowance	172,808	171,300
Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	171,300
Ending allowance		171,300
Commercial loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	125,375	109,923
Charge-offs	(1,742)	(33)
Recoveries	3,306	3,503
Provision & Transfers	6,537	11,982
Ending allowance	133,476	125,375
Commercial loans | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	125,375
Ending allowance		125,375
Commercial loans | Multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	16,949	13,853
Charge-offs	0	0
Recoveries	0	0
Provision & Transfers	(4,936)	3,096
Ending allowance	12,013	16,949
Commercial loans | Multi-family | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	16,949
Ending allowance		16,949
Commercial loans | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	23,437	22,516
Charge-offs	(529)	0
Recoveries	984	2,789
Provision & Transfers	1,922	(1,868)
Ending allowance	25,814	23,437
Commercial loans | Commercial real estate | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	23,437
Ending allowance		23,437
Commercial loans | Commercial & industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	45,957	38,665
Charge-offs	(1,202)	(31)
Recoveries	73	92
Provision & Transfers	12,382	7,231
Ending allowance	57,210	45,957
Commercial loans | Commercial & industrial | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	45,957
Ending allowance		45,957
Commercial loans | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	25,585	24,156
Charge-offs	0	0
Recoveries	2,179	0
Provision & Transfers	(1,603)	1,429
Ending allowance	26,161	25,585
Commercial loans | Construction | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	25,585
Ending allowance		25,585
Commercial loans | Land - acquisition & development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	13,447	10,733
Charge-offs	(11)	(2)
Recoveries	70	622
Provision & Transfers	(1,228)	2,094
Ending allowance	12,278	13,447
Commercial loans | Land - acquisition & development | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	13,447
Ending allowance		13,447
Consumer loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	45,925	57,032
Charge-offs	(397)	(392)
Recoveries	2,341	3,267
Provision & Transfers	(8,537)	(13,982)
Ending allowance	39,332	45,925
Consumer loans | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	45,925
Ending allowance		45,925
Consumer loans | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	4,907	3,555
Charge-offs	0	0
Recoveries	0	0
Provision & Transfers	(1,497)	1,352
Ending allowance	3,410	4,907
Consumer loans | Construction | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	4,907
Ending allowance		4,907
Consumer loans | Single-family residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	30,978	45,186
Charge-offs	0	(106)
Recoveries	1,002	2,026
Provision & Transfers	(6,462)	(16,128)
Ending allowance	25,518	30,978
Consumer loans | Single-family residential | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	30,978
Ending allowance		30,978
Consumer loans | Land - consumer lot loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	4,939	2,729
Charge-offs	(27)	0
Recoveries	48	168
Provision & Transfers	87	2,042
Ending allowance	5,047	4,939
Consumer loans | Land - consumer lot loans | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	4,939
Ending allowance		4,939
Consumer loans | HELOC
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	2,390	2,571
Charge-offs	0	0
Recoveries	351	52
Provision & Transfers	(259)	(233)
Ending allowance	2,482	2,390
Consumer loans | HELOC | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	2,390
Ending allowance		2,390
Consumer loans | Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	2,711	2,991
Charge-offs	(370)	(286)
Recoveries	940	1,021
Provision & Transfers	(406)	(1,015)
Ending allowance	2,875	2,711
Consumer loans | Consumer | Adjusted
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning allowance	$ 2,711
Ending allowance		$ 2,711

Allowance for Loan Losses - Nar

Allowance for Loan Losses - Narrative (Details) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Financing Receivable, Allowance for Credit Loss [Line Items]
Provision (release) for credit losses	$ 3,000,000	$ 500,000	$ 21,750,000
Recoveries, net of charge-offs	3,508,000	6,345,000
Allowance for loan losses	172,808,000	171,300,000	166,955,000
SBA PPP loans	16,113,564,000	13,833,570,000
Loans Subject to Quantitative Evaluation
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses	115,245,000
Loans Subject to Management Qualitative Evaluation
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses	57,563,000
Non-Performing Loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Financing receivable, gross	$ 44,554,000	$ 43,625,000
Ratio of non-performing assets to total assets	0.21%	0.22%
Financial Asset Originated
Financing Receivable, Allowance for Credit Loss [Line Items]
Non-accrual	$ 34,534,000	$ 31,749,000
Commercial loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses	133,476,000	125,375,000	109,923,000
Commercial loans | Financial Asset Originated
Financing Receivable, Allowance for Credit Loss [Line Items]
Non-accrual	16,296,000	11,723,000
Commercial loans | Commercial & industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses	57,210,000	45,957,000	$ 38,665,000
Commercial loans | Commercial & industrial | Financial Asset Originated
Financing Receivable, Allowance for Credit Loss [Line Items]
Non-accrual	5,693,000	$ 365,000
Commercial loans | Commercial & industrial | SBA Payroll Protection Program, CARES Act
Financing Receivable, Allowance for Credit Loss [Line Items]
Allowance for loan losses	$ 0

Allowance for Loan Losses - Int

Allowance for Loan Losses - Internally Assigned Grade (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 16,286,372	$ 14,004,870
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 16,045,127	$ 13,506,282
Pass | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	98.50%	96.40%
Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 33,250	$ 111,554
Special Mention | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	0.20%	0.80%
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 207,995	$ 387,034
Substandard | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	1.30%	2.80%
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 0	$ 0
Doubtful | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	0%	0%
Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 0	$ 0
Loss | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	0%	0%
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 9,728,501	$ 8,316,591
Commercial loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	9,508,927	7,840,800
Commercial loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	33,250	111,554
Commercial loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	186,324	364,237
Commercial loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	2,626,479	2,273,689
Commercial loans | Multi-family | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	2,612,669	2,252,395
Commercial loans | Multi-family | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	4,874
Commercial loans | Multi-family | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	13,810	16,420
Commercial loans | Multi-family | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Multi-family | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	3,111,112	2,429,332
Commercial loans | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	3,054,241	2,174,386
Commercial loans | Commercial real estate | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	1,594	57,625
Commercial loans | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	55,277	197,321
Commercial loans | Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Commercial real estate | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	2,343,403	2,303,927
Commercial loans | Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	2,196,767	2,108,152
Commercial loans | Commercial & industrial | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	31,656	48,124
Commercial loans | Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	114,980	147,651
Commercial loans | Commercial & industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Commercial & industrial | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	1,423,891	1,117,227
Commercial loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	1,421,634	1,115,791
Commercial loans | Construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	931
Commercial loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	2,257	505
Commercial loans | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Construction | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	223,616	192,416
Commercial loans | Land - acquisition & development | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	223,616	190,076
Commercial loans | Land - acquisition & development | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Land - acquisition & development | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	2,340
Commercial loans | Land - acquisition & development | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Commercial loans | Land - acquisition & development | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	6,557,871	5,688,279
Consumer loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	6,536,200	5,665,482
Consumer loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	21,671	22,797
Consumer loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	397,343	347,752
Consumer loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	396,908	347,752
Consumer loans | Construction | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	435	0
Consumer loans | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Construction | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	5,726,979	4,937,064
Consumer loans | Single-family residential | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	5,706,199	4,915,106
Consumer loans | Single-family residential | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Single-family residential | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	20,780	21,958
Consumer loans | Single-family residential | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Single-family residential | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	151,945	148,534
Consumer loans | Land - consumer lot loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	151,723	148,010
Consumer loans | Land - consumer lot loans | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Land - consumer lot loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	222	524
Consumer loans | Land - consumer lot loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Land - consumer lot loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	206,033	166,940
Consumer loans | HELOC | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	205,800	166,652
Consumer loans | HELOC | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | HELOC | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	233	288
Consumer loans | HELOC | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | HELOC | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	75,571	87,989
Consumer loans | Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	75,570	87,962
Consumer loans | Consumer | Special Mention
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	1	27
Consumer loans | Consumer | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	0	0
Consumer loans | Consumer | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Total loans	$ 0	$ 0

Allowance for Loan Losses - Cre

Allowance for Loan Losses - Credit Risk Profile Based on Payment Activity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 16,286,372	$ 14,004,870
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	9,728,501	8,316,591
Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	2,626,479	2,273,689
Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	3,111,112	2,429,332
Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	2,343,403	2,303,927
Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	1,423,891	1,117,227
Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	223,616	192,416
Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	6,557,871	5,688,279
Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	397,343	347,752
Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	5,726,979	4,937,064
Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	151,945	148,534
Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	206,033	166,940
Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	75,571	87,989
Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 16,251,838	$ 13,973,121
% of Total Loans	99.80%	99.80%
Performing Loans | Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 9,712,205	$ 8,304,868
% of Total Loans	99.80%	99.90%
Performing Loans | Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 2,620,567	$ 2,273,214
% of Total Loans	99.80%	100%
Performing Loans | Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 3,106,421	$ 2,421,294
% of Total Loans	99.80%	99.70%
Performing Loans | Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 2,337,710	$ 2,303,562
% of Total Loans	99.80%	100%
Performing Loans | Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 1,423,891	$ 1,116,722
% of Total Loans	100%	100%
Performing Loans | Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 223,616	$ 190,076
% of Total Loans	100%	98.80%
Performing Loans | Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 6,539,633	$ 5,668,253
% of Total Loans	99.70%	99.60%
Performing Loans | Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 396,908	$ 347,752
% of Total Loans	99.90%	100%
Performing Loans | Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 5,709,529	$ 4,917,744
% of Total Loans	99.70%	99.60%
Performing Loans | Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 151,861	$ 148,175
% of Total Loans	99.90%	99.80%
Performing Loans | Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 205,800	$ 166,653
% of Total Loans	99.90%	99.80%
Performing Loans | Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 75,535	$ 87,929
% of Total Loans	100%	99.90%
Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 34,534	$ 31,749
% of Total Loans	0.20%	0.20%
Non-Performing Loans | Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 16,296	$ 11,723
% of Total Loans	0.20%	0.10%
Non-Performing Loans | Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 5,912	$ 475
% of Total Loans	0.20%	0%
Non-Performing Loans | Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 4,691	$ 8,038
% of Total Loans	0.20%	0.30%
Non-Performing Loans | Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 5,693	$ 365
% of Total Loans	0.20%	0%
Non-Performing Loans | Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 0	$ 505
% of Total Loans	0%	0%
Non-Performing Loans | Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 0	$ 2,340
% of Total Loans	0%	1.20%
Non-Performing Loans | Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 18,238	$ 20,026
% of Total Loans	0.30%	0.40%
Non-Performing Loans | Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 435	$ 0
% of Total Loans	0.10%	0%
Non-Performing Loans | Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 17,450	$ 19,320
% of Total Loans	0.30%	0.40%
Non-Performing Loans | Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 84	$ 359
% of Total Loans	0.10%	0.20%
Non-Performing Loans | Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 233	$ 287
% of Total Loans	0.10%	0.20%
Non-Performing Loans | Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 36	$ 60
% of Total Loans	0%	0.10%

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 2,051,037	$ 2,138,259
Derivative Asset, Statement of Financial Position [Extensible Enumeration]	Other assets	Other assets
Total Financial Assets	$ 2,457,897	$ 2,517,806
Derivative Liability, Statement of Financial Position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 2,051,037	$ 2,138,259
Total Financial Assets	2,337,524	2,191,684
Total Financial Liabilities	67,260	14,801
Recurring | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	67,260	10,983
Derivative liabilities	67,260	10,983
Recurring | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	2,517
Derivative liabilities		2,177
Recurring | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	36,765
Derivative liabilities		1,641
Recurring | Borrowing hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	179,945	42,442
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	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 assets	0
Derivative liabilities		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
Derivative liabilities		0
Recurring | Level 1 | Borrowing hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	2,051,037	2,138,259
Total Financial Assets	2,337,524	2,191,684
Total Financial Liabilities	67,260	14,801
Recurring | Level 2 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	67,260	10,983
Derivative liabilities	67,260	10,983
Recurring | Level 2 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	2,517
Derivative liabilities		2,177
Recurring | Level 2 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	36,765
Derivative liabilities		1,641
Recurring | Level 2 | Borrowing hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	179,945	42,442
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	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 assets	0
Derivative liabilities		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
Derivative liabilities		0
Recurring | Level 3 | Borrowing hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
U.S. government and agency securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	39,354	61,779
U.S. government and agency securities | Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
U.S. government and agency securities | Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	39,354	61,779
U.S. government and agency securities | Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Asset-backed securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	767,001	1,078,681
Asset-backed securities | Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Asset-backed securities | Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	767,001	1,078,681
Asset-backed securities | Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value		0
Municipal bonds | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	34,962	39,984
Municipal bonds | Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Municipal bonds | Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	34,962	39,984
Municipal bonds | Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Corporate debt securities | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	313,757	350,988
Corporate debt securities | Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Corporate debt securities | Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	313,757	350,988
Corporate debt securities | Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Agency pass-through certificates | Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	895,963	606,827
Agency pass-through certificates | Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	0	0
Agency pass-through certificates | Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	895,963	606,827
Agency pass-through certificates | Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 0	$ 0

Fair Value Measurements - Fai_2

Fair Value Measurements - Fair Value Measured on Nonrecurring Basis (Details) - Nonrecurring - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	$ 11,040	$ 1,851
Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	7,912	0
Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	3,128	1,851
Changes Measurement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total gains (losses)	(1,653)	(525)
Changes Measurement | Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total gains (losses)	(1,286)	(105)
Changes Measurement | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total gains (losses)	(367)	(420)
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0
Level 1 | Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0
Level 1 | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0
Level 2 | Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0
Level 2 | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	11,040	1,851
Level 3 | Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	7,912	0
Level 3 | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	$ 3,128	$ 1,851

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Consumer loans | Single-family residential
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Real estate acquired through foreclosure	$ 3,627

Fair Value Measurements - Fai_3

Fair Value Measurements - Fair Value by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 2,051,037	$ 2,138,259
Held-to-maturity securities	463,299	366,025
Carrying Amount
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	2,051,037	2,138,259
Held-to-maturity securities	463,299	366,025
Carrying Amount | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	683,965	2,090,809
Carrying Amount | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
FHLB and FRB stock	95,073	102,863
Time deposits	3,338,043	3,434,087
FHLB advances and other borrowings	2,125,000	1,720,000
Carrying Amount | Level 2 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	67,260	10,983
Other liabilities	67,260	10,983
Carrying Amount | Level 2 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	2,517	0
Other liabilities	0	2,177
Carrying Amount | Level 2 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	36,765	0
Other liabilities	0	1,641
Carrying Amount | Level 2 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	179,945	42,442
Carrying Amount | 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, at fair value	39,354	61,779
Carrying Amount | Level 2 | Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	767,001	1,078,681
Carrying Amount | Level 2 | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	34,962	39,984
Carrying Amount | Level 2 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	313,757	350,988
Carrying Amount | Level 2 | Agency pass-through certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	895,963	606,827
Held-to-maturity securities	463,299	366,025
Carrying Amount | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable	16,113,564	13,833,570
Estimated Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	2,051,037	2,138,259
Held-to-maturity securities	406,860	379,547
Estimated Fair Value | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Cash and cash equivalents	683,965	2,090,809
Estimated Fair Value | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
FHLB and FRB stock	95,073	102,863
Time deposits	3,249,169	3,382,206
FHLB advances and other borrowings	1,940,813	1,692,412
Estimated Fair Value | Level 2 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	67,260	10,983
Other liabilities	67,260	10,983
Estimated Fair Value | Level 2 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	2,517	0
Other liabilities	0	2,177
Estimated Fair Value | Level 2 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	36,765	0
Other liabilities	0	1,641
Estimated Fair Value | Level 2 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other assets	179,945	42,442
Estimated Fair Value | 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, at fair value	39,354	61,779
Estimated Fair Value | Level 2 | Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	767,001	1,078,681
Estimated Fair Value | Level 2 | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	34,962	39,984
Estimated Fair Value | Level 2 | Corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	313,757	350,988
Estimated Fair Value | Level 2 | Agency pass-through certificates
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	895,963	606,827
Held-to-maturity securities	406,860	379,547
Estimated Fair Value | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Loans receivable	$ 15,417,635	$ 14,279,725

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Summary of Fair Value, Notional Amount and Balance Sheet Classification (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Other assets
Derivatives, Fair Value [Line Items]
Notional	$ 2,100,885	$ 1,644,355
Derivative assets, fair value	286,487	53,425
Other liabilities
Derivatives, Fair Value [Line Items]
Notional	588,676	1,159,033
Derivative liabilities, fair value	67,260	14,801
Client swap program hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional	588,676	644,355
Derivative assets, fair value	67,260	10,983
Client swap program hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional	588,676	644,355
Derivative liabilities, fair value	67,260	10,983
Commercial loan fair value hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional	42,209	0
Derivative assets, fair value	2,517	0
Commercial loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional	0	44,678
Derivative liabilities, fair value	0	2,177
Mortgage loan fair value hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional	470,000	0
Derivative assets, fair value	36,765	0
Mortgage loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional	0	470,000
Derivative liabilities, fair value	0	1,641
Borrowings cash flow hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional	1,000,000	1,000,000
Derivative assets, fair value	179,945	42,442
Borrowings cash flow hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional	0	0
Derivative liabilities, fair value	$ 0	$ 0

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 ($)	Sep. 30, 2022	Sep. 30, 2021
Loans receivable
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	$ 1,159,496,000	$ 1,515,487,000
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	(39,090,000)	4,215,000
Other liabilities
Derivatives, Fair Value [Line Items]
Notional	588,676,000	1,159,033,000
Mortgage loan fair value hedges
Derivatives, Fair Value [Line Items]
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	(36,458,000)	1,864,000
Hedged asset, discontinued fair value		$ 30,000,000
Hedged asset, discontinued fair value (percent)		3,000%
Hedged asset, total last of layer hedge		$ 100,000,000
Unamortized discount, termination portion of hedge		1,238,000
Mortgage loan fair value hedges | Loans receivable
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	1,119,975,000
Hedged liability, amortized cost		1,468,517,000
Mortgage loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional	0	470,000,000
Commercial loan fair value hedges
Derivatives, Fair Value [Line Items]
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	(2,632,000)	2,351,000
Hedged asset, discontinued fair value		46,240,000
Commercial loan fair value hedges | Loans receivable
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	39,521,000	46,970,000
Commercial loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional	$ 0	$ 44,678,000

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Derivative [Line Items]
Gain (loss) recognized on cash flow hedges	$ 0	$ 0
Minimum
Derivative [Line Items]
Derivative maturities	2 years
Maximum
Derivative [Line Items]
Derivative maturities	8 years
Weighted average
Derivative [Line Items]
Derivative maturities	6 years 6 months

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities - Impact of Derivative Instruments on AOCI (Details) - Cash flow hedging - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Derivative [Line Items]
Total pre-tax gain/(loss) recognized in AOCI	$ 137,502	$ 59,817
Pay fixed/receive floating swaps on cash flow hedges of borrowings
Derivative [Line Items]
Total pre-tax gain/(loss) recognized in AOCI	$ 137,502	$ 59,817

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	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Derivative Instruments, Gain (Loss) [Line Items]
Interest income/(expense), including the effects of fair value and cash flow hedges	$ 601,592	$ 537,660	$ 545,708
Interest income/(expense), including the effects of fair value and cash flow hedges	(28,729)	(44,188)	$ (51,445)
Gain/(loss) on cash flow hedging relationships:
Gain (loss) recognized on cash flow hedges	0	0
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	(1,782)	(6,320)
Recognized on derivatives	43,100	20,736
Recognized on hedged items	(43,305)	(20,449)
Net income/(expense) recognized on fair value hedges	(1,987)	(6,033)
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	(408)	10,846
Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense	0	14,110
Gain (loss) recognized on cash flow hedges	$ (408)	$ 24,956

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	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Interest rate contracts
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	78,244	37,218
Other noninterest income | Receive fixed/pay floating swap
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	$ (78,244)	$ (37,218)

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Details)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Revenue from Contract with Customer [Abstract]
Revenue streams percentage, contract with customer	5.60%	5.80%

Interest Receivable (Details)

Interest Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest receivable	$ 63,872	$ 50,636
Loans receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest receivable	57,070	46,234
Mortgage-backed securities
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest receivable	3,313	2,159
Investment securities
Accounts, Notes, Loans and Financing Receivable [Line Items]
Interest receivable	$ 3,489	$ 2,243

Premises and Equipment (Details

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 389,036	$ 387,932
Less accumulated depreciation and amortization	(145,974)	(132,780)
Premises and equipment, net	243,062	255,152
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	92,938	95,247
Buildings
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	185,573	185,813
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	18,361	15,698
Furniture, software and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 92,164	$ 91,174
Minimum | Buildings
Property, Plant and Equipment [Line Items]
Estimated useful life	10 years
Minimum | Leasehold improvements
Property, Plant and Equipment [Line Items]
Estimated useful life	5 years
Minimum | Furniture, software and equipment
Property, Plant and Equipment [Line Items]
Estimated useful life	2 years
Maximum | Buildings
Property, Plant and Equipment [Line Items]
Estimated useful life	40 years
Maximum | Leasehold improvements
Property, Plant and Equipment [Line Items]
Estimated useful life	15 years
Maximum | Furniture, software and equipment
Property, Plant and Equipment [Line Items]
Estimated useful life	10 years

Customer Accounts - Schedule of

Customer Accounts - Schedule of Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Deposit Account Balance
Non-interest checking	$ 3,266,734	$ 3,122,397
Interest checking	3,497,795	3,566,322
Savings	1,059,093	1,039,336
Money market	4,867,905	4,379,970
Time deposits	3,338,043	3,434,087
Customer accounts	$ 16,029,570	$ 15,542,112
As a % of Total Deposits
Non-interest checking	20.40%	20.10%
Interest checking	21.80%	22.90%
Savings	6.60%	6.70%
Money market	30.40%	28.20%
Time deposits	20.80%	22.10%
Total	100%	100%
Weighted Average Rate
Interest checking	0.90%	0.20%
Savings	0.13%	0.11%
Money market	0.49%	0.19%
Time deposits	0.74%	0.54%
Total	0.51%	0.23%	0.48%

Customer Accounts - Time Deposi

Customer Accounts - Time Deposits (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Time deposits by rate band are as follows:
Less than 1.00%	$ 2,705,212	$ 3,153,788
1.00% to 1.99%	304,702	229,594
2.00% to 2.99%	327,852	50,608
3.00% to 3.99%	277	97
Time deposits by maturity band are as follows:
Three months or less	1,007,735	1,085,001
Over 3 through 6 months	966,800	819,906
Over 6 through 12 months	810,680	870,801
Over 12 months	552,828	658,379
Time Deposits, Total	$ 3,338,043	$ 3,434,087

Customer Accounts - Narrative (

Customer Accounts - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Banking and Thrift, Interest [Abstract]
Customer accounts over $250,000	$ 7,400,474	$ 7,198,111

Customer Accounts - Interest Ex

Customer Accounts - Interest Expense on Customer Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Banking and Thrift, Interest [Abstract]
Checking accounts	$ 10,086	$ 5,545	$ 8,447
Savings accounts	1,377	1,143	959
Money market accounts	12,423	8,723	18,951
Time deposit accounts	19,422	27,100	72,494
Interest expense on customer accounts, gross	43,308	42,511	100,851
Less early withdrawal penalties	(267)	(198)	(539)
Interest expense on customer accounts, net	$ 43,041	$ 42,313	$ 100,312
Weighted average interest rate at end of year	0.51%	0.23%	0.48%
Daily weighted average interest rate during the year	0.34%	0.35%	0.94%

FHLB Advances and Other Borro_3

FHLB Advances and Other Borrowings - Maturity Dates of Outstanding FHLB Advances (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
FHLB advances
Within 1 year	$ 2,025,000	$ 1,320,000
1 to 3 years	100,000	400,000
FHLB advances	$ 2,125,000	$ 1,720,000

FHLB Advances and Other Borro_4

FHLB Advances and Other Borrowings - Narrative (Details)	12 Months Ended
	Sep. 30, 2022
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Weighted average effective maturity of FHLB advances	3 years 3 months
Federal Home Loan Bank of Des Moines
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal home loan bank, percent of assets	45%

FHLB Advances and Other Borro_5

FHLB Advances and Other Borrowings - Weighted Average Cost and Amount of Advances (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Federal Home Loan Banks [Abstract]
Weighted average interest rate, including cash flow hedges, at end of year	2.02%	1.51%	1.79%
Weighted daily average interest rate, including cash flow hedges, during the year	1.66%	1.98%	2.03%
Daily average of FHLB advances during the year	$ 1,731,110	$ 2,234,027	$ 2,532,596
Maximum amount of FHLB advances at any month end	2,125,000	2,700,000	3,050,000
Interest expense during the year (including swap interest income and expense)	$ 28,729	$ 44,188	$ 51,445

Commitments and Contingencies -

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Commitment and Contingencies [Line Items]
Operating lease liability, statement of financial position [Extensible Enumeration]	Accrued expenses and other liabilities	Accrued expenses and other liabilities
Operating lease right-of-use asset, statement of financial position [Extensible Enumeration]	Other assets	Other assets
Weighted average remaining lease term	8 years 6 months
Weighted average discount rate	1.99%
Operating lease payments	$ 6,788	$ 6,425
Right-of-use assets obtained in exchange for lease liabilities	3,611	2,864
Rental expense	8,191	7,849
Loans in process	3,006,023	2,232,836
Reserve for unfunded commitments	32,500	27,500
Loans receivable
Commitment and Contingencies [Line Items]
Loans in process	$ 4,947,570	$ 3,804,444

Commitments and Contingencies_2

Commitments and Contingencies - Operating Lease by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
Operating lease asset	$ 25,546	$ 27,785
Operating lease liability	$ 27,974	$ 29,569

Commitments and Contingencies_3

Commitments and Contingencies - Net Lease Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
Operating lease cost	$ 6,654	$ 6,754
Variable lease cost	1,537	1,095
Sublease income	(358)	(185)
Net lease cost	$ 7,833	$ 7,664

Commitments and Contingencies_4

Commitments and Contingencies - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
2023	$ 6,215
2024	5,503
2025	4,596
2026	3,732
2027	2,866
Thereafter	7,783
Total minimum payments	30,695
Amounts representing interest	(2,721)
Present value of minimum lease payments	$ 27,974	$ 29,569

Income Taxes - Net Deferred Tax

Income Taxes - Net Deferred Tax Asset (Liability) (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
Deferred tax assets
Allowance for credit losses	$ 47,426	$ 45,724
REO reserves	329	173
Non-accrual loan interest	1,104	1,080
Deferred compensation	6,841	6,230
Stock based compensation	2,636	2,508
Lease liability	6,207	6,655
Other	1,329	4,525
Total deferred tax assets	65,872	66,895
Deferred tax liabilities
FHLB stock dividends	9,826	9,783
Valuation adjustment on available-for-sale securities and cash flow hedges	15,765	20,845
Loan origination fees and costs	10,918	5,645
Premises and equipment	20,132	21,426
Lease right-of-use assets	5,992	6,249
Equity investments	5,323	2,982
Other	4,141	6,157
Total deferred tax liabilities	72,097	73,087
Net deferred tax asset (liability)	(6,225)	(6,192)
Current tax asset (liability)	2,920	10,069
Net tax asset (liability)	$ (3,305)	$ 3,877

Income Taxes - Reconciliation o

Income Taxes - Reconciliation of Effective Income Tax Rate (Details)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Income Tax Disclosure [Abstract]
Statutory income tax rate	21%	21%	21%
State income tax	2%	2%	2%
Other differences	(2.00%)	(2.00%)	(2.00%)
Effective income tax rate	21%	21%	21%

Income Taxes - Components of In

Income Taxes - Components of Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Federal:
Current	$ 50,854	$ 53,820	$ 49,782
Deferred	7,187	(8,468)	(7,858)
Federal	58,041	45,352	41,924
State:
Current	6,600	5,584	5,310
Deferred	(934)	(1,413)	(1,486)
Deferred	5,666	4,171	3,824
Total
Current	57,454	59,404	55,092
Deferred	6,253	(9,881)	(9,344)
Income tax expense	$ 63,707	$ 49,523	$ 45,748

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details)	12 Months Ended
	Sep. 30, 2022
Income Tax Disclosure [Abstract]
Returns open to examination, minimum (years)	3 years
Returns open to examination, maximum (years)	5 years
Returns open to examination, state impact of federal changes, maximum (years)	2 years

401(k) Plan (Details)

401(k) Plan (Details) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Retirement Benefits [Abstract]
Employee contribution, percentage of annual salary	100%
Employee contribution, maximum allowable contribution	$ 61,000
Service period for participation eligibility	30 days
Service period for eligibility of profit sharing or matching contributions	1 year
Employer matching contribution percent	100%
Percent of employees' gross pay	4%
Profit sharing contribution, vesting schedule (in years)	6 years
Company contributions to plan	$ 10,559,000	$ 9,905,000	$ 8,333,000

Stock Award Plans - Narrative (

Stock Award Plans - Narrative (Details) - USD ($)	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2019
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Contractual term of award (in years)	10 years
Options granted (in shares)	352,043	0	1,043,349
Compensation cost for stock options	$ 1,296,000	$ 1,676,000	$ 1,344,000
Stock Option Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation cost for stock options, net of forfeitures	$ 1,851,364
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Equity instruments other than options, nonvested (in shares)	489,777	522,991	409,469	435,838
Fair market value at date of grant at restricted stock	$ 10,598,774
Compensation cost for stock options	$ 4,367,000	$ 4,473,000	$ 4,453,000
Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	3 years
Minimum | Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	1 year
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	5 years
Maximum | Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period (in years)	7 years
2020 Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares available for grant (in shares)	3,200,000
Shares available for issuance (in shares)	1,882,283

Stock Award Plans - Option Acti

Stock Award Plans - Option Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Number of Options
Outstanding, beginning balance (in shares)	1,030,323	1,229,724
Granted (in shares)	352,043	0	1,043,349
Exercised (in shares)	(64,415)	(19,846)
Forfeited (in shares)	(180,343)	(179,555)
Outstanding, ending balance (in shares)	1,137,608	1,030,323	1,229,724
Exercisable (in shares)	156,698
Weighted Average Exercise Price
Outstanding, beginning balance (in dollars per share)	$ 29.14	$ 28.93
Granted (in dollars per share)	32.49	0
Exercised (in dollars per share)	28.16	17.06
Forfeited (in dollars per share)	30.24	29.05
Outstanding, ending balance (in dollars per share)	30.06	$ 29.14	$ 28.93
Exercisable (in dollars per share)	$ 28.16
Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]
Options outstanding, weighted average remaining contractual term (in years)	8 years	8 years	9 years
Options outstanding, aggregate intrinsic value	$ 0	$ 5,330	$ 0
Options exercisable, weighted average remaining contractual term (in years)	6 years
Options exercisable, aggregate intrinsic value	$ 285

Stock Award Plans - Other Stock

Stock Award Plans - Other Stock Option Information (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Share-Based Payment Arrangement [Abstract]
Compensation cost for stock options	$ 1,296	$ 1,676	$ 1,344
Weighted average grant date fair value per stock option (in dollars per share)	$ 5.10	$ 4.39	$ 4.37
Total intrinsic value of options exercised	$ 433	$ 276	$ 102
Grant date fair value of options exercised	345	78	33
Cash received from option exercises	$ 1,823	$ 339	$ 144

Stock Award Plans - Nonvested S

Stock Award Plans - Nonvested Stock Options (Details) - $ / shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Options Outstanding
Outstanding at beginning of period (in shares)	1,031,134	1,210,689	293,167
Granted (in shares)	352,043	0	1,043,349
Vested (in shares)	(223,387)	0	0
Forfeited (in shares)	(178,380)	(179,555)	(125,827)
Outstanding at end of period (in shares)	981,410	1,031,134	1,210,689
Weighted Average Grant Date Fair Value
Outstanding at beginning of period (in dollars per share)	$ 4.39	$ 4.38	$ 5.33
Granted (in dollars per share)	7.18	0	4.17
Vested (in dollars per share)	5.32	0	0
Forfeited (in dollars per share)	5.02	4.31	4.83
Outstanding at end of period (in dollars per share)	$ 5.07	$ 4.39	$ 4.38

Stock Award Plans - Nonvested R

Stock Award Plans - Nonvested Restricted Stock (Details) - Restricted Stock Awards - $ / shares	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Outstanding
Outstanding at beginning of period (in shares)	522,991	409,469	435,838
Granted (in shares)	224,593	331,344	197,706
Vested (in shares)	(246,119)	(132,649)	(205,715)
Forfeited (in shares)	(11,688)	(85,173)	(18,360)
Outstanding at end of period (in shares)	489,777	522,991	409,469
Weighted Average Fair Value
Outstanding at beginning of period (in dollars per share)	$ 19.96	$ 24.32	$ 23.73
Granted (in dollars per share)	25.34	17.04	26.24
Vested (in dollars per share)	21.34	30.64	25.56
Forfeited (in dollars per share)	23.96	12.94	17.20
Outstanding at end of period (in dollars per share)	$ 21.64	$ 19.96	$ 24.32

Shareholders' Equity - Narrativ

Shareholders' Equity - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands		12 Months Ended
	Feb. 08, 2021	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Class of Stock [Line Items]
Dividend rate	4.875%
Proceeds from issuance of preferred stock, net		$ 0	$ 293,325	$ 0
Stock repurchased (in shares)		92,774	10,810,113
Additional shares authorized to be repurchased (in shares)		3,724,344
Public Offering
Class of Stock [Line Items]
Number of shares issued in transaction (in shares)	12,000,000
Public offering price (in usd per share)	$ 25
Public Offering | Series A Preferred Stock
Class of Stock [Line Items]
Number of shares issued in transaction (in shares)	300,000
Weighted average
Class of Stock [Line Items]
Weighted average cost of repurchased stock (in dollars per share)		$ 35.14	$ 32.25

Shareholders' Equity - Regulato

Shareholders' Equity - Regulatory Capital Requirements (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
The Company
Common Equity Tier 1 risk-based capital ratio:
Actual capital	$ 1,613,075	$ 1,446,613
Actual ratio	9.86%	9.50%
Capital adequacy guidelines ratio	4.50%	4.50%
Tier 1 risk-based capital ratio:
Actual capital	$ 1,913,075	$ 1,746,613
Actual ratio	0.1169	0.1147
Capital adequacy guidelines ratio	0.0600	0.0600
Total risk-based capital ratio:
Actual capital	$ 2,117,574	$ 1,937,036
Actual ratio	0.1294	0.1272
Capital adequacy guidelines ratio	0.0800	0.0800
Tier 1 leverage ratio:
Actual capital	$ 1,913,075	$ 1,746,613
Actual ratio	0.0951	0.0907
Capital adequacy guidelines ratio	0.0400	0.0400
The Bank
Common Equity Tier 1 risk-based capital ratio:
Actual capital	$ 1,781,932	$ 1,717,014
Actual ratio	10.89%	11.28%
Capital adequacy guidelines ratio	4.50%	4.50%
Categorized as well capitalized under prompt corrective action provisions ratio	6.50%	6.50%
Tier 1 risk-based capital ratio:
Actual capital	$ 1,781,932	$ 1,717,014
Actual ratio	0.1089	0.1128
Capital adequacy guidelines ratio	0.0600	0.0600
Categorized as well capitalized under prompt corrective action provisions ratio	0.0800	0.0800
Total risk-based capital ratio:
Actual capital	$ 1,986,434	$ 1,907,408
Actual ratio	0.1214	0.1253
Capital adequacy guidelines ratio	0.0800	0.0800
Categorized as well capitalized under prompt corrective action provisions ratio	0.1000	0.1000
Tier 1 leverage ratio:
Actual capital	$ 1,781,932	$ 1,717,014
Actual ratio	0.0886	0.0892
Capital adequacy guidelines ratio	0.0400	0.0400
Categorized as well capitalized under prompt corrective action provisions ratio	0.0500	0.0500

Shareholders' Equity - Earnings

Shareholders' Equity - Earnings per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Weighted average shares outstanding (in shares)	65,287,650	72,529,188	76,721,969
Weighted average diluted shares (in shares)	65,404,110	72,565,920	76,731,464
Net income available to common shareholders, basic	$ 221,705	$ 173,581	$ 173,438
Net income available to common shareholders, diluted	$ 221,705	$ 173,581	$ 173,438
Basic EPS (in dollars per share)	$ 3.40	$ 2.39	$ 2.26
Diluted EPS (in dollars per share)	$ 3.39	$ 2.39	$ 2.26
Options
Earnings Per Share, Diluted, by Common Class, Including Two Class Method [Line Items]
Weighted average dilutive warrants and options (in shares)	116,460	36,732	9,495

Financial Information - Washi_3

Financial Information - Washington Federal, Inc. - Statements of Financial Condition (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2019
Assets
Other assets	$ 504,652	$ 257,897
Total assets	20,772,131	19,650,574
Liabilities
Dividend payable on preferred stock	3,656	3,656
Total liabilities	18,497,871	17,524,510
Shareholders’ equity
Total shareholders’ equity	2,274,260	2,126,064	$ 2,014,133	$ 2,032,995
Total liabilities and shareholders’ equity	20,772,131	19,650,574
Parent Company
Assets
Cash	130,502	28,696
Other assets	5,000	5,000
Investment in subsidiary	2,143,116	2,096,464
Total assets	2,278,618	2,130,160
Liabilities
Dividend payable on preferred stock	3,656	3,656
Other liabilities	702	440
Total liabilities	4,358	4,096
Shareholders’ equity
Total shareholders’ equity	2,274,260	2,126,064
Total liabilities and shareholders’ equity	$ 2,278,618	$ 2,130,160

Financial Information - Washi_4

Financial Information - Washington Federal, Inc. - Statements of Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Income
Total Income	$ 666,359	$ 591,610	$ 621,265
Expense
Income before income taxes	300,037	233,138	219,186
Income tax benefit (expense)	(63,707)	(49,523)	(45,748)
Net income	236,330	183,615	173,438
Dividends on preferred stock	14,625	10,034	0
Net income available to common shareholders, basic	221,705	173,581	173,438
Net income available to common shareholders, diluted	221,705	173,581	173,438
Parent Company
Income
Dividends from subsidiary	172,850	92,400	190,900
Total Income	172,850	92,400	190,900
Expense
Miscellaneous expense	619	626	529
Total expense	619	626	529
Net income (loss) before equity in undistributed net income (loss) of subsidiary	172,231	91,774	190,371
Equity in undistributed net income (loss) of subsidiaries	63,956	91,697	(17,055)
Income before income taxes	236,187	183,471	173,316
Income tax benefit (expense)	143	144	122
Net income	236,330	183,615	173,438
Dividends on preferred stock	14,625	10,034	0
Net income available to common shareholders, basic	221,705	173,581	173,438
Net income available to common shareholders, diluted	$ 221,705	$ 173,581	$ 173,438

Financial Information - Washi_5

Financial Information - Washington Federal, Inc. - Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2020
Cash Flows From Operating Activities
Net income	$ 236,330	$ 183,615	$ 173,438
Adjustments to reconcile net income to net cash provided by operating activities:
Stock-based compensation expense	6,808	6,381	6,469
Net cash provided (used) by operating activities	268,465	314,454	166,600
Cash Flows From Investing Activities
Net cash provided (used) by investing activities	(2,493,164)	(579,745)	(920,979)
Cash Flows From Financing Activities
Proceeds from exercise of common stock options and related tax benefit	1,823	339	144
Proceeds from issuance of preferred stock, net	0	293,325	0
Treasury stock purchased	(3,260)	(348,651)	(112,133)
Dividends paid on preferred stock	(14,625)	(6,378)	0
Dividends on common stock	(61,576)	(65,876)	(66,496)
Net cash provided (used) by financing activities	817,855	653,123	2,038,198
Increase (decrease) in cash and cash equivalents	(1,406,844)	387,832	1,283,819
Cash at beginning of year	2,090,809
Cash at end of year	683,965	2,090,809
Parent Company
Cash Flows From Operating Activities
Net income	236,330	183,615	173,438
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings from investments in subsidiaries	(63,956)	(91,697)	0
Distributions in excess of earnings from investments in subsidiaries	0	0	17,055
Stock-based compensation expense	6,808	6,381	6,469
Increase (decrease) in other liabilities	262	440	0
Net cash provided (used) by operating activities	179,444	98,739	196,962
Cash Flows From Investing Activities
Purchase of strategic investments	0	0	0
Net cash provided (used) by investing activities	0	0	0
Cash Flows From Financing Activities
Proceeds from exercise of common stock options and related tax benefit	1,823	339	144
Proceeds from issuance of preferred stock, net	0	293,325
Treasury stock purchased	(3,260)	(348,651)	(112,133)
Dividends paid on preferred stock	(14,625)	(6,378)	0
Dividends on common stock	(61,576)	(65,876)	(66,496)
Net cash provided (used) by financing activities	(77,638)	(127,241)	(178,485)
Increase (decrease) in cash and cash equivalents	101,806	(28,502)	18,477
Cash at beginning of year	28,696	57,198	38,721
Cash at end of year	$ 130,502	$ 28,696	$ 57,198