Washington Federal (WAFD) 10-Q 2 Aug 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Jun. 30, 2024	Jul. 31, 2024
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2024
Document Transition Report	false
Entity File Number	001-34654
Entity Registrant Name	WAFD, INC.
Entity Incorporation, State or Country Code	WA
Entity Tax Identification Number	91-1661606
Entity Address, Address Line One	425 Pike Street
Entity Address, City or Town	Seattle
Entity Address, State or Province	WA
Entity Address, Postal Zip Code	98101
City Area Code	206
Local Phone Number	624-7930
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		81,219,315
Amendment Flag	false
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Entity Central Index Key	0000936528
Current Fiscal Year End Date	--09-30
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

CONSOLIDATED STATEMENTS OF FINA

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
ASSETS
Cash and cash equivalents	$ 2,492,504	$ 980,649
Available-for-sale securities, at fair value	2,428,769	1,995,097
Held-to-maturity securities, at amortized cost	447,638	423,586
Loans receivable, net of allowance for loan losses of $203,824 and $177,207	20,873,919	17,476,550
Loans held for sale	468,527	0
Interest receivable	103,410	87,003
Premises and equipment, net	244,529	237,011
Real estate owned	4,209	4,149
FHLB stock	107,282	126,820
Bank owned life insurance	265,819	242,919
Intangible assets, including goodwill of $412,213 and $304,750	452,255	310,619
Federal and state income tax assets, net	129,044	8,479
Other assets	562,895	581,793
Total assets	28,580,800	22,474,675
Customer accounts
Transaction deposit accounts	11,929,005	10,765,313
Time deposit accounts	9,255,760	5,305,016
Total customer accounts	21,184,765	16,070,329
Borrowings	3,934,514	3,650,000
Junior subordinated deferrable debentures	50,485	0
Senior debt	94,361	0
Advance payments by borrowers for taxes and insurance	38,898	52,550
Accrued expenses and other liabilities	319,438	275,370
Total liabilities	25,622,461	20,048,249
Commitments and contingencies (see Note I)
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; 153,939,952 and 136,466,579 shares issued; 81,157,173 and 64,736,916 shares outstanding	153,940	136,467
Additional paid-in capital	2,146,149	1,687,634
Accumulated other comprehensive income, net of taxes	54,916	46,921
Treasury stock, at cost; 72,782,779 and 71,729,663 shares	(1,638,943)	(1,612,345)
Retained earnings	1,942,277	1,867,749
Total stockholders' equity	2,958,339	2,426,426
Total liabilities and shareholders' equity	$ 28,580,800	$ 22,474,675

CONSOLIDATED STATEMENTS OF FI_2

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED)  (Parenthetical) - USD ($)	Jun. 30, 2024	Sep. 30, 2023
Allowance for credit losses on loans	$ 203,824,000	$ 177,207,000
Goodwill	$ 412,213,000	$ 304,750,000
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)	153,939,952	136,466,579
Common stock, shares outstanding (in shares)	81,157,173	64,736,916
Treasury stock, shares (in shares)	72,782,779	71,729,663
Senior Debt
Face amount	$ 95,000,000
Stated interest rate	6.50%

CONSOLIDATED STATEMENTS OF OPER

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
INTEREST INCOME
Loans receivable	$ 337,118	$ 232,167	$ 857,251	$ 659,070
Mortgage-backed securities	17,523	10,454	41,694	31,489
Investment securities and cash equivalents	37,300	29,859	98,668	70,686
Total income	391,941	272,480	997,613	761,245
INTEREST EXPENSE
Customer accounts	154,359	70,062	367,194	153,831
Borrowings, senior debt and junior subordinated debentures	60,396	33,718	142,399	80,877
Total interest expense	214,755	103,780	509,593	234,708
Net interest income	177,186	168,700	488,020	526,537
Provision for credit losses	1,500	9,000	17,500	15,000
Net interest income after provision	175,686	159,700	470,520	511,537
NON-INTEREST INCOME
Gain (loss) on sale of investment securities	80	0	251	0
Gain (loss) on termination of hedging derivatives	54	(926)	169	(900)
Loan fee income	594	1,000	1,988	3,154
Deposit fee income	$ 6,960	$ 6,660	$ 20,460	$ 19,201
Revenue, Product and Service [Extensible Enumeration]	Deposit Account [Member]	Deposit Account [Member]	Deposit Account [Member]	Deposit Account [Member]
Other income	$ 9,567	$ 7,037	$ 21,946	$ 16,412
Total other income	17,255	13,771	44,814	37,867
NON-INTEREST EXPENSE
Compensation and benefits	57,169	50,456	180,165	150,970
Occupancy	10,904	10,444	31,193	31,464
FDIC insurance premiums	7,600	5,350	22,070	13,025
Product delivery	6,090	5,217	17,680	15,154
Information technology	13,428	11,661	39,177	36,775
Other expense	14,888	11,571	50,046	36,470
Total other expense	110,079	94,699	340,331	283,858
Gain (loss) on real estate owned, net	(124)	722	387	411
Income before income taxes	82,738	79,494	175,390	265,957
Income tax expense	18,178	17,719	36,489	58,739
Net income	64,560	61,775	138,901	207,218
Dividends on preferred stock	3,656	3,656	10,969	10,969
Net income available to common shareholders	$ 60,904	$ 58,119	$ 127,932	$ 196,249
PER SHARE DATA
Basic earnings per common share (in dollars per share)	$ 0.75	$ 0.89	$ 1.78	$ 3
Diluted earnings per common share (in dollars per share)	0.75	0.89	1.78	3
Dividends paid on common stock (in dollars per share)	$ 0.26	$ 0.25	$ 0.77	$ 0.74
Basic weighted average number of shares outstanding (in shares)	81,374,811	65,194,880	71,905,924	65,348,709
Diluted weighted average number of shares outstanding (in shares)	81,393,708	65,212,846	71,930,215	65,442,910

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Net income	$ 64,560	$ 61,775	$ 138,901	$ 207,218
Other comprehensive income (loss) net of tax:
Net unrealized gain (loss) during the period on available-for-sale investment securities, net of tax of $(699) and $2,350	4,790	(7,822)	34,336	5,649
Reclassification adjustment of net (gain) loss from sale of available-for-sale securities included in net income, net of tax of $(20) and $(1)	60	3	193	3
Net unrealized gain (loss) from investment securities, net of reclassification adjustment	4,850	(7,819)	34,529	5,652
Net unrealized gain (loss) during the period on borrowings cash flow hedges, net of tax of $1,387 and $(3,409)	(1,869)	11,348	(26,534)	(10,782)
Net unrealized gain (loss) in cash flow hedging instruments, net of reclassification adjustment	(1,869)	11,348	(26,534)	(10,782)
Other comprehensive income (loss)	2,981	3,529	7,995	(5,130)
Comprehensive income	$ 67,541	$ 65,304	$ 146,896	$ 202,088

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)  (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Comprehensive Income [Abstract]
Related tax expense (benefit) for net unrealized gain (loss) on available-for-sale debt securities	$ (699)	$ 2,350	$ (9,476)	$ (1,697)
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	(20)	(1)	(57)	(1)
Related tax expense (benefit) for net unrealized gain (loss) on borrowing cash flow hedges	$ 1,387	$ (3,409)	$ 6,507	$ 3,239

CONSOLIDATED STATEMENTS OF SHAR

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Treasury Stock
Balance, beginning of period 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]
Net income	207,218				207,218
Other comprehensive income (loss)	(5,130)					(5,130)
Dividends on common stock	(47,826)				(47,826)
Dividends on preferred stock	(10,968)				(10,968)
Proceeds from stock issuances	1,039		34	1,005
Stock-based compensation expense	5,923		153	(2,393)			8,163
Treasury stock purchased	(30,450)						(30,450)
Balance, end of period at Jun. 30, 2023	2,394,066	300,000	136,458	1,685,587	1,837,164	47,351	(1,612,494)
Balance, beginning of period at Mar. 31, 2023	2,375,117	300,000	136,413	1,683,720	1,795,042	43,822	(1,583,880)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	61,775				61,775
Other comprehensive income (loss)	3,529					3,529
Dividends on common stock	(15,998)				(15,998)
Dividends on preferred stock	(3,655)				(3,655)
Proceeds from stock issuances	16		1	15
Stock-based compensation expense	1,896		44	1,852
Treasury stock purchased	(28,614)						(28,614)
Balance, end of period at Jun. 30, 2023	2,394,066	300,000	136,458	1,685,587	1,837,164	47,351	(1,612,494)
Balance, beginning of period at Sep. 30, 2023	2,426,426	300,000	136,467	1,687,634	1,867,749	46,921	(1,612,345)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	138,901				138,901
Other comprehensive income (loss)	7,995					7,995
Dividends on common stock	(53,404)				(53,404)
Dividends on preferred stock	(10,969)				(10,969)
Stock issued in merger	465,504		17,089	448,415
Proceeds from stock issuances	3,268		122	3,146
Stock-based compensation expense	7,437		262	6,954			221
Treasury stock purchased	(26,819)						(26,819)
Balance, end of period at Jun. 30, 2024	2,958,339	300,000	153,940	2,146,149	1,942,277	54,916	(1,638,943)
Balance, beginning of period at Mar. 31, 2024	2,921,906	300,000	153,835	2,143,343	1,902,305	51,935	(1,629,512)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	64,560				64,560
Other comprehensive income (loss)	2,981					2,981
Dividends on common stock	(20,932)				(20,932)
Dividends on preferred stock	(3,656)				(3,656)
Proceeds from stock issuances	738		27	711
Stock-based compensation expense	2,257		78	2,095			84
Treasury stock purchased	(9,515)						(9,515)
Balance, end of period at Jun. 30, 2024	$ 2,958,339	$ 300,000	$ 153,940	$ 2,146,149	$ 1,942,277	$ 54,916	$ (1,638,943)

CONSOLIDATED STATEMENTS OF SH_2

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED)  (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Statement of Stockholders' Equity [Abstract]
Dividends paid on common stock (in dollars per share)	$ 0.26	$ 0.25	$ 0.77	$ 0.74
Dividends paid on preferred stock (in dollars per share)	$ 12.1875	$ 12.1875	$ 36.5625	$ 36.5625

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 138,901,000	$ 207,218,000
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation, amortization, accretion and other, net	194,150,000	15,667,000
Stock-based compensation expense	7,437,000	5,923,000
Provision (release) for credit losses	17,500,000	15,000,000
Loss (gain) on sale of investment securities	(250,000)	(3,000)
Gain on settlements of bank owned life insurance	0	(821,000)
Net realized (gain) loss on sales of premises, equipment, and real estate owned	(2,531,000)	(1,033,000)
Impairment loss on premises and equipment	0	6,000
Decrease (increase) in accrued interest receivable	9,290,000	(18,059,000)
Decrease (increase) in federal and state income tax receivable	9,246,000	0
Decrease (increase) in cash surrender value of bank owned life insurance	(5,119,000)	(4,409,000)
Decrease (increase) in other assets	42,415,000	(50,642,000)
Increase (decrease) in federal and state income tax liabilities	0	(674,000)
Increase (decrease) in accrued expenses and other liabilities	(68,427,000)	(37,095,000)
Net cash provided by (used in) operating activities	342,612,000	131,078,000
CASH FLOWS FROM INVESTING ACTIVITIES
Origination of loans and principal repayments, net	(447,832,000)	(1,208,282,000)
Loans purchased	0	(79,965,000)
Loans held for sale	0	0
FHLB stock purchased	(517,575,000)	(510,805,000)
FHLB stock redeemed	608,775,000	475,003,000
Available-for-sale securities purchased	(321,308,000)	(317,027,000)
Principal payments and maturities of available-for-sale securities	270,178,000	339,604,000
Proceeds from sales of available-for-sale securities	179,215,000	94,000
Held-to-maturity securities purchased	(47,092,000)	0
Principal payments and maturities of held-to-maturity securities	25,503,000	28,895,000
Proceeds from sales of real estate owned	6,271,000	2,715,000
Proceeds from settlement of bank owned life insurance	0	1,809,000
Purchase of strategic investments	(4,097,000)	(7,500,000)
Net cash received (paid) in business combinations	623,583,000	(785,000)
Proceeds from sales of loans	2,564,791,000	0
Proceeds from sales of premises and equipment	1,341,000	947,000
Premises and equipment purchased and REO improvements	(17,482,000)	(11,217,000)
Net cash provided by (used in) investing activities	2,924,271,000	(1,286,514,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in customer accounts	(517,961,000)	90,854,000
Proceeds from borrowings	15,936,735,000	13,575,000,000
Repayments of borrowings	(17,072,226,000)	(11,950,000,000)
Proceeds from stock-based awards	2,488,000	1,039,000
Dividends paid on common stock	(53,404,000)	(47,826,000)
Dividends paid on preferred stock	(10,969,000)	(10,968,000)
Proceeds from employee stock purchase	780,000	0
Treasury stock purchased	(26,819,000)	(30,450,000)
Increase (decrease) in advances payments by borrowers for taxes and insurance	(13,652,000)	(16,535,000)
Net cash provided by (used in) financing activities	(1,755,028,000)	1,611,114,000
Increase (decrease) in cash and cash equivalents	1,511,855,000	455,678,000
Cash, cash equivalents and restricted cash at beginning of period	980,649,000	683,965,000
Cash, cash equivalents and restricted cash at end of period	2,492,504,000	1,139,643,000
Non-cash investing activities
Real estate acquired through foreclosure	0	121,000
Non-cash financing activities
Preferred stock dividend payable	3,656,000	3,656,000
Cash paid (received) during the period for
Interest	534,614,000	243,465,000
Income tax	14,065,000	47,251,000
The following summarizes the non-cash activities related to acquisitions
Fair value of assets and intangibles acquired	7,676,486,000	0
Fair value of liabilities assumed	(7,316,542,000)	0
Net fair value of assets (liabilities)	$ 359,944,000	$ 0

Summary of Significant Accounti

Summary of Significant Accounting Policies	9 Months Ended
	Jun. 30, 2024
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, small to mid-sized 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. On September 27, 2023, Articles of Amendment were filed with the Washington Secretary of State to change the name of Washington Federal, Inc. to WaFd, Inc. This change was effective on September 29, 2023. As used throughout this document, the terms “WaFd” or the “Company” or “we” or “us” and “our” refer to WaFd, Inc. and its consolidated subsidiaries, and the term “Bank” refers to the operating subsidiary, Washington Federal Bank dba WaFd Bank. The Company is headquartered in Seattle, Washington. The Bank conducts its activities through a network of 210 bank branches located in Washington, Oregon, Idaho, Utah, Arizona, Nevada, New Mexico, Texas and California. Basis of Presentation - The Company has prepared the consolidated unaudited interim financial statements included in this report. All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation are reflected in the interim financial statements. On February 29, 2024, WaFd, Inc. closed its previously announced merger with Luther Burbank Corporation ("Luther Burbank" or "LBC"), a California corporation, effective as of 12:00am on March 1, 2024 (the "Effective Time"). Pursuant to the Merger Agreement, at the Effective Time Luther Burbank merged with and into the Company (the “Corporate Merger”), with the Company surviving the Corporate Merger. Promptly following the Corporate Merger, Luther Burbank’s wholly-owned bank subsidiary, Luther Burbank Savings, merged with and into WaFd Bank with WaFd Bank as the surviving institution (the “Bank Merger”). The Corporate Merger and the Bank Merger are collectively referred to in this Quarterly Report on Form 10-Q as the “Merger.” The Merger was accounted for using the acquisition method of accounting and was effectively an all-stock transaction accounted for as a business combination. The Company's financial results for any periods ended on and prior to February 29, 2024 reflect WaFd results only on a standalone basis. As a result, financial results for the third quarter of 2024, and the nine months ended may not be directly comparable to prior reported periods. Refer to Note B - Business Combination for further details. The information included in this Form 10-Q should be read in conjunction with the financial statements and related notes contained in the Company's 2023 Annual Report on Form 10-K filed with the Securities and Exchange Commission ("SEC") on November 17, 2023 for its fiscal year ended September 30, 2023 ("2023 Annual Financial Statements"). Interim results are not necessarily indicative of results for a full year. Summary of Significant Accounting Policies - The significant accounting policies used in preparation of the Company's consolidated financial statements are disclosed in its 2023 Annual Financial Statements. There have not been any material changes in the Company's significant accounting policies compared to those contained in its 2023 Annual Financial Statements. Business Combinations - The Company applies the acquisition method of accounting for business combinations. Under the acquisition method, the acquiring entity recognizes the assets acquired and liabilities assumed at their acquisition date fair values. Management utilizes prevailing valuation techniques appropriate for the asset or liability being measured in determining these fair values. This method often involves estimates based on third party valuations based on discounted cash flow analyses or other valuation techniques, all of which are inherently subjective. Any excess of the purchase price over the fair value of net assets and other identifiable intangible assets acquired is recorded as goodwill. Assets acquired and liabilities assumed from contingencies must also be recognized at fair value if the fair value can be determined during the measurement period. Acquisition-related costs, including conversion and restructuring charges, are expensed as incurred. Fair values are subject to refinement over the measurement period, not to exceed one year after the closing date. Restricted Cash Balances - The Company was not required to maintain cash reserve balances with the Federal Reserve Bank as of June 30, 2024. As of June 30, 2024 and September 30, 2023, the Company held counterparty cash collateral of $276,450,000 and $326,750,000, 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. • For 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 investments in certain nonmarketable equity securities investments where the equity method of accounting is not applicable, the Company applies the fair value method. 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. As these investments do not have readily determinable fair values, they 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. This practice is referred to as the measurement alternative. • Equity investments in qualified real estate funds can use the NAV expedient for fair value measurement. Under this method, the net asset value (NAV) determined by the fund is used as fair value for the investment. At June 30, 2024, equity investments held by the Company and recorded at NAV had a carrying amount of $37,057,000 and a remaining unfunded commitment of $3,280,000. These NAV based investments cannot be transferred without consent and we do not have redemption rights except in certain transformational events. Equity investments measured at NAV are not classified in the fair value hierarchy. Allowance for Credit Losses (Loans Receivable) - 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 current expected credit loss methodology (“CECL”) requires an estimate of the credit losses expected over the life of an exposure (or pool of exposures). 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 the majority of the Company's 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. The Company may establish a specific reserve for individually evaluated loans that do not share similar risk characteristics with the loans included in each respective loan pool if management deems it appropriate. If this occurs, these individually evaluated loans are removed from their respective pools and typically represent collateral dependent loans but may also include other non-performing loans. 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. See 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. 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. Changes in the allowance for credit losses are recorded as a provision for (or recapture of) 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. See Note F "Fair Value Measurements" for more information about AFS debt securities. Accrued Interest Receivable - The Company 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 the Company's 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, as described above. Non-Accrual Loans - Loans are placed on non-accrual 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 non-accrual status, previously accrued but unpaid interest is deducted from interest income. The Bank 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 Bank 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 being modified, 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. 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. Collateral-Dependent Loans - A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. For all classes of loans and leases deemed collateral-dependent, the Company elected the practical expedient to estimate expected credit losses based on the collateral’s fair value less cost to sell. In most cases, the Company records a partial charge-off to reduce the loan’s carrying value to the collateral’s fair value less cost to sell. Substantially all of the collateral consists of various types of real estate including residential properties; commercial properties such as retail centers, office buildings, and lodging; agriculture land; and vacant land. Off-balance-sheet exposures - Off-balance-sheet credit exposures for the Company include unfunded loan commitments and letters of credit from the Federal Home Loan Banks of both Des Moines and San Francisco ("FHLB-DM" and "FHLB-SF", respectively), which are used as collateral for public funds deposits. 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 I “Commitments and Contingencies” for more information. 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 not amortized but is evaluated for potential impairment on an annual basis and between tests if there are applicable circumstances such as material adverse changes in legal, business, regulatory and economic factors. We have determined our goodwill balance is all related to a single reporting unit and perform a quantitative impairment assessment. An impairment loss is recorded when the carrying amount of goodwill exceeds its implied fair value. If circumstances indicate that the carrying value of the assets may not be recoverable, an impairment charge could be recorded. Other intangible assets are amortized over their estimated lives and are subject to impairment testing when events or circumstances change. The Company performs a goodwill impairment assessment annually and continuously monitors for triggering events and circumstances that could negatively impact the key assumptions in determining the fair value of goodwill. As a result of the Merger, the Company recorded $105,560,000 in goodwill and $37,022,000 in core deposit intangible assets. Additional information on the Merger and purchase price allocation is provided in Note B "Business Combination". The core deposit intangible asset value was determined by an analysis of the cost differential between the core deposits acquired, inclusive of estimated servicing costs, and alternative funding sources for those deposits. The core deposit intangible asset recorded is amortized on an accelerated basis over 6 years. In addition to the effects of the Merger, the Company added a small amount of intangibles during year-to-date fiscal 2024 as the result of acquisitions made by subsidiary WAFD Insurance Group, Inc. No impairment losses separate from the scheduled amortization have been recognized in the periods presented. The table below provides detail regarding the Company's intangible assets. Goodwill Core Deposit and Other Intangibles Total (In thousands) Balance at September 30, 2023 $ 304,750 $ 5,869 $ 310,619 Additions 375 375 750 Amortization — (266) (266) Balance at December 31, 2023 305,125 5,978 311,103 Additions 106,276 37,462 143,738 Amortization — (1,302) (1,302) Balance at March 31, 2024 411,401 42,138 453,539 Additions 812 1,102 1,914 Amortization — (3,198) (3,198) Balance at June 30, 2024 $ 412,213 $ 40,042 $ 452,255 The table below presents the estimated future amortization expense of other intangibles for the next five years as of June 30, 2024. Fiscal Year Expected Expense (In thousands) 2024 $ 5,904 2025 9,856 2026 7,306 2027 5,561 2028 5,200 Thereafter 6,215 Total Intangibles Assets $ 40,042 Subsequent events - The Company has evaluated events and transactions through the date the consolidated financial statements were issued for potential recognition or disclosure. New Accounting Pronouncements - In October 2023, the FASB issued ASU 2023-06 Disclosure Improvements: Codification Amendments In Response to the SEC's Disclosure Update and Simplification Initiative to clarify or improve disclosure and presentation requirements on a variety of topics and align the requirements in the FASB accounting standard codification with the Securities and Exchange Commission regulations. The amendments will be effective for the Company only if the SEC removes the related disclosure requirement from its existing regulations no later than June 30, 2027. If the SEC timely removes such a related requirement from its existing regulations, the corresponding amendments within the ASU will become effective for the Company on the same date with early adoption permitted. The Company does not expect the amendments in this update to have a material impact on our consolidated financial statements. In November 2023, the FASB issued ASU 2023-07, Segment Reporting - Improvements to Reportable Segment Disclosures (Topic 280) to improve reportable segment disclosure requirements through enhanced disclosures about significant segment expenses. The ASU applies to all public entities that are required to report segment information in accordance with ASC 280. For public companies amendments in this ASU are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024 with early adoption permitted. The Company does not expect this ASU to have a material effect on our consolidated financial statements. In December 2023, the FASB issued ASU 2023-09 , Income Tax - Improvements to Income Tax Disclosures (Topic 740)

Business Combination

Business Combination	9 Months Ended
	Jun. 30, 2024
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]
Business Combination	Business Combination At the Effective Time on March 1, 2024 ("the Merger Date"), WaFd, Inc. acquired Luther Burbank, headquartered in Santa Rosa, California. The Merger was effectively an all-stock transaction and has been accounted for as a business combination. Pursuant to the Merger Agreement, on the Merger Date, each holder of LBC common stock received 0.3353 of a share (the "Exchange Ratio") of WaFd common stock for each share of LBC common stock held. As of the Merger Date, WaFd had approximately 64 million shares of common stock outstanding and issued approximately 17 million shares of WaFd common stock to the LBC shareholders which represents approximately 21% of the voting interests in WaFd, Inc. upon completion of the Merger. The purchase price for purposes of the transaction accounting adjustments is calculated based on the number of shares of WaFd stock issued to LBC shareholders and the closing share price on the Merger Date as shown in the following table (amounts in thousands except share and per share data). Number of WaFd shares issued to LBC shareholders 17,089 WaFd market price per share on February 29, 2024 $ 27.24 Purchase price of shares issued to LBC shareholders $ 465,501 Cash in lieu of fractional shares $ 3 Purchase price consideration $ 465,504 The acquisition was accounted for under the acquisition method of accounting. Assets acquired and liabilities assumed in the Merger were recorded at their respective acquisition date estimated fair values and have been adjusted in the current quarter based on new information. These estimates were recorded based on initial valuations available at the Merger Date, and these estimates, including initial accounting for deferred taxes, are considered preliminary as of June 30, 2024, and subject to adjustment for up to one year after the Merger Date. In many cases, the determination of fair value required management to make estimates about discount rates, expected future cash flows, market conditions and other future events that are highly subjective in nature and subject to change. While the Company believes that the information available on the Merger Date provided a reasonable basis for estimating fair value, additional information may be obtained during the measurement period that would result in changes to the estimated fair value amounts. The measurement period ends on the earlier of one year after the Merger Date or the date the Company concludes that all necessary information about the facts and circumstances that existed as of the Merger Date have been obtained. Management anticipates that facts obtained during the measurement period could result in adjustments to the Merger Date valuation amounts presented herein. The table below displays the amounts recognized as of the acquisition date for each major class of assets acquired and liabilities assumed: March 1, 2024 (in thousands) Total merger consideration $ 465,504 Fair value of assets acquired Cash and cash equivalents $ 627,403 Investment securities 518,878 Loans receivable 3,116,899 Loans held for sale 3,089,442 Interest receivable 25,697 Premises and equipment 6,436 FHLB stock 35,831 Bank owned life insurance 17,781 Intangible assets 37,022 Deferred tax asset, net 125,452 Other assets 75,645 Total assets acquired $ 7,676,486 Fair value of liabilities assumed Customer accounts $ 5,640,440 Borrowings 1,432,138 Junior subordinated deferrable interest debentures 50,175 Senior Debt 93,514 Accrued expenses and other liabilities 100,275 Total liabilities assumed $ 7,316,542 Net Assets Acquired $ 359,944 Goodwill $ 105,560 In connection with the Merger, the Company recorded approximately $105,560,000 of goodwill. Goodwill represents the excess of the purchase price over the fair value of the assets acquired net of fair value of liabilities assumed. During the quarter ended June 30, 2024, goodwill decreased by $276,000 primarily due to adjustments to loan valuations offset by the adjustment of the deferred tax asset. The loan adjustments were the result of the revaluation of LBC single-family loans transitioned to held for sale and the final terms of the multifamily loan sale that closed during the current quarter. Information regarding goodwill and the carrying amount and amortization of intangible assets are provided in Note A. The following is a description of the methods used to determine the fair values of significant assets and liabilities presented above. Cash and cash equivalents – The carrying amount of these items is a reasonable estimate of their fair value based on the short-term nature of these assets. Investment securities – Fair values for investment securities are based on quoted market prices. The actual sales prices of securities were used for those securities sold in March 2024, shortly after the Merger, rather than the quoted market price as sales prices were determined to be the best indicator of fair value. Loans receivable – A valuation of the loans held for investment portfolio was performed by a third party as of the Merger Date to assess the fair value. The loans held for investment portfolio was segmented into three groups, including performing purchased credit deteriorated ("PCD") loans, non-performing PCD loans and non-PCD loans. The loans were further pooled based on loan type and interest rate terms. The loans were valued at the pool level using a discounted cash flow methodology. The methodology included projecting cash flows based on the contractual terms of the loans and the cash flows were adjusted to reflect credit loss expectations along with prepayments. Discount rates were developed based on the relative risk of the cash flows, taking into consideration the loan type, market rates as of the valuation date, recent originations in the portfolio, credit loss expectations, and liquidity expectations. Lastly, cash flows adjusted for credit loss expectations were discounted to present value and summed to arrive at the fair value of the loans. The Company is required to record PCD assets, defined as a more-than-insignificant deterioration in credit quality since origination or issuance, at the purchase price plus the allowance for credit losses expected at the time of acquisition. Under this method, there is no credit loss expense affecting net income on acquisition of PCD assets. Changes in estimates of expected credit losses after acquisition are recognized in subsequent periods as provision for credit losses (or recapture of credit losses) arises. Any non-credit discount or premium resulting from acquiring a pool of purchased financial assets with credit deterioration is allocated to each individual asset. At the acquisition date, the initial allowance for credit losses, determined on a collective basis, is allocated to individual assets to appropriately allocate any non-credit discount or premium. The non-credit discount or premium, after the adjustment for the allowance for credit losses, is accreted to interest income using the interest method based on the effective interest rate determined at the Merger Date. Of the $3.1 billion net loans held for investment acquired, $293 million were identified as PCD loans on the Merger Date. The following table provides a summary of these PCD loans at acquisition: March 1, 2024 (In thousands) Principal of PCD loans acquired $ 293,204 PCD ACL at acquisition (7,403) Non-credit discount on PCD loans (45,869) Fair value of PCD loans $ 239,932 Loans held for sale – The loans held for sale portfolio was recorded at fair value based on quotes or bids from third parties. Premises and equipment - The fair values of premises are based on a market approach by obtaining third-party appraisals and broker opinions of value for land, office and branch space. Core deposit intangible – The core deposit intangible represents the low cost of funding acquired core deposits provide relative to the Company’s marginal cost of funds. The fair value was estimated based on a cost savings methodology that gave consideration to expected customer attrition rates, net maintenance cost of the deposit base, interest costs associated with customer deposits, and the alternative cost of funds. The estimated fair value was grossed-up for the expected tax amortization benefit. The intangible asset is being amortized over 6 years using an accelerated method, based upon the period over which estimated economic benefits are estimated to be received. Customer Accounts – The fair values used for the demand and savings deposits equal the amount payable on demand at the Merger Date. The fair value of time deposits is estimated by discounting the estimated future cash flows using current rates offered for deposits with similar remaining maturities. Borrowings – The fair value of Federal Home Loan Bank ("FHLB") advances and Federal Reserve Bank ("FRB") borrowings is estimated by discounting the estimated future cash flows using rates currently available to the Company for debt with similar remaining maturities. The operating results of the Company include the operating results produced by the acquired assets and assumed liabilities in the Merger for the period March 1, 2024 to June 30, 2024. The following table shows the impact of merger-related expenses for the three and nine months ended June 30, 2024. Merger-Related Expenses Three Months Ended June 30, 2024 Nine Months Ended June 30, 2024 (in thousands) Severance and employee-related $ 1,400 $ 21,666 Legal and Professional 505 4,487 Charitable contributions — 1,000 System conversion and integration 380 768 $ 2,285 $ 27,921 The following table presents unaudited pro forma information as if the Merger had occurred on October 1, 2022. The pro forma adjustments give effect to any change in interest income due to the accretion of the discount (premium) associated with the fair value adjustments to acquired loans, any change in interest expense due to estimated premium amortization/discount accretion associated with the fair value adjustment to acquired interest-bearing deposits, borrowings and long-term debt and the amortization of the core deposit intangible that would have resulted had the deposits been acquired as of October 1, 2022. The pro forma information is not indicative of what would have occurred had the Merger occurred as of the beginning of the year prior to the Merger Date. The pro forma amounts below do not reflect the Company's expectations as of the date of the pro forma information of further operating cost savings and other business synergies expected to be achieved, including revenue growth as a result of the Merger. As a result, actual amounts differed from the unaudited pro forma information presented. Unaudited Pro Forma for the June 30, 2024 June 30, 2023 (in thousands) Net-interest income $ 531,398 $ 646,731 Non-interest income $ 47,493 $ 40,965 Net income $ 142,921 $ 238,473

Dividends and Share Repurchases

Dividends and Share Repurchases	9 Months Ended
	Jun. 30, 2024
Stockholders' Equity Note [Abstract]
Dividends and Share Repurchases	Dividends and Share Repurchases On June 7, 2024, the Company paid a regular dividend on common stock of $0.26 per share, which represented the 165 th consecutive quarterly cash dividend. Dividends per share were $0.26 and $0.25 for the quarters ended June 30, 2024 and 2023, respectively. For the three months ended June 30, 2024, the Company repurchased 357,303 shares of common stock at an average price of $26.63. During the third quarter, the Company's Board of Directors increased the number of shares authorized for repurchase under its share repurchase program by 10,000,000 shares. As of June 30, 2024, there were 11,501,005 remaining shares authorized to be repurchased under the current Board approved share repurchase program.

Loans Receivable

Loans Receivable	9 Months Ended
	Jun. 30, 2024
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. Loans held for sale of approximately $0.5 billion are excluded from the following tables. June 30, 2024 September 30, 2023 Gross loans by category (In thousands) (In thousands) Commercial loans Multi-family $ 4,616,359 20.5 % $ 2,907,086 14.8 % Commercial real estate 3,781,247 16.8 3,344,959 17.0 Commercial & industrial 2,394,978 10.7 2,321,717 11.8 Construction 2,247,530 10.0 3,318,994 16.9 Land - acquisition & development 195,796 0.9 201,538 1.0 Total commercial loans 13,235,910 58.9 12,094,294 61.6 Consumer loans Single-family residential 8,364,415 37.2 6,451,270 32.8 Construction - custom 414,483 1.9 672,643 3.4 Land - consumer lot loans 112,317 0.5 125,723 0.6 HELOC 255,271 1.1 234,410 1.2 Consumer 84,445 0.4 70,164 0.4 Total consumer loans 9,230,931 41.1 7,554,210 38.4 Total gross loans 22,466,841 100 % 19,648,504 100 % Less: Allowance for credit losses on loans 203,824 177,207 Loans in process 1,094,956 1,895,940 Net deferred fees, costs and discounts 294,142 98,807 Total loan contra accounts 1,592,922 2,171,954 Net loans $ 20,873,919 $ 17,476,550 The Company elected to exclude accrued interest receivable from the amortized cost basis of loans for disclosure purposes and from the calculations of estimated credit losses. As of June 30, 2024, and September 30, 2023, AIR for loans totaled $92,457,000 and $77,349,000, respectively, and is included in the Interest receivable line item balance on the Company’s consolidated statements of financial condition. As of June 30, 2024, loans totaling $17,407,607,000 were pledged to secure borrowings and available lines of credit. None of the agencies to which we have pledged loans have the right to sell or re-pledge them. The following table sets forth the amortized cost basis of non-accrual loans and loans 90 days or more past due and accruing. June 30, 2024 September 30, 2023 (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 $ 9,984 $ — $ — $ 5,127 $ — $ — Commercial real estate 26,408 — — 23,435 — — Commercial & industrial 2,138 — — 6,082 — — Construction 1,120 — — — — Land - acquisition & development 74 — — — — — Total commercial loans 39,724 — — 34,644 — — Consumer loans Single-family residential 20,422 — — 14,918 — — Construction - custom 88 — — 88 — — Land - consumer lot loans 236 — — 9 — — HELOC 758 — — 736 — — Consumer 40 — — 27 — — Total consumer loans 21,544 — — 15,778 — — Total non-accrual loans $ 61,268 $ — $ — $ 50,422 $ — $ — % of total net loans 0.29 % 0.29 % The Company recognized interest income on non-accrual loans of approximately $706,000 in the nine months ended June 30, 2024 as a result of the collection of past due amounts. If these loans had been on accrual status and performed according to their original contract terms, the Company would have recognized interest income of approximately $2,121,000 for the nine months ended June 30, 2024. Interest cash flows collected on non-accrual loans vary from period to period as those loans are brought current or are paid off. The following tables provide details regarding loan delinquencies by loan portfolio and class. June 30, 2024 Days Delinquent Based on $ Amount of Loans % based Type of Loan Loans Receivable (Amortized Cost) Current 30 60 90 Total Delinquent (In thousands, except ratio data) Commercial Loans Multi-family $ 4,513,323 $ 4,506,711 $ — $ 2,651 $ 3,961 $ 6,612 0.15 % Commercial real estate 3,746,945 3,746,356 — 589 — 589 0.02 Commercial & industrial 2,389,236 2,387,098 — — 2,138 2,138 0.09 Construction 1,440,152 1,439,032 — 360 760 1,120 0.08 Land - acquisition & development 156,424 156,350 — — 74 74 0.05 Total commercial loans 12,246,080 12,235,547 — 3,600 6,933 10,533 0.09 Consumer Loans Single-family residential 8,186,361 8,154,250 10,925 4,937 16,249 32,111 0.39 Construction - custom 190,433 189,585 760 — 88 848 0.45 Land - consumer lot loans 111,574 110,871 254 213 236 703 0.63 HELOC 258,833 256,582 1,366 178 707 2,251 0.87 Consumer 84,462 84,187 127 108 40 275 0.33 Total consumer loans 8,831,663 8,795,475 13,432 5,436 17,320 36,188 0.41 Total Loans $ 21,077,743 $ 21,031,022 $ 13,432 $ 9,036 $ 24,253 $ 46,721 0.22 % Delinquency % 99.78% 0.06% 0.04% 0.12% 0.22% September 30, 2023 Days Delinquent Based on $ Amount of Loans % based Type of Loan Loans Receivable (Amortized Cost) Current 30 60 90 Total Delinquent (In thousands, except ratio data) Commercial Loans Multi-family $ 2,886,594 $ 2,886,462 $ — $ — $ 132 $ 132 — % Commercial real estate 3,310,101 3,285,673 848 145 23,435 24,428 0.74 Commercial & industrial 2,315,318 2,307,020 30 2,186 6,082 8,298 0.36 Construction 1,838,936 1,838,936 — — — — — Land - acquisition & development 156,661 156,661 — — — — — Total commercial loans 10,507,610 10,474,752 878 2,331 29,649 32,858 0.31 Consumer Loans Single-family residential 6,388,990 6,365,065 6,441 6,068 11,416 23,925 0.37 Construction - custom 324,451 320,987 760 2,617 87 3,464 1.07 Land - consumer lot loans 124,842 124,231 358 245 8 611 0.49 HELOC 237,754 235,708 1,050 314 682 2,046 0.86 Consumer 70,110 69,699 228 107 76 411 0.59 Total consumer loans 7,146,147 7,115,690 8,837 9,351 12,269 30,457 0.43 Total Loans $ 17,653,757 $ 17,590,442 $ 9,715 $ 11,682 $ 41,918 $ 63,315 0.36 % Delinquency % 99.64% 0.06% 0.07% 0.24% 0.36% On October 1, 2023, the Company adopted ASU 2022-02, Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures , which eliminated the accounting guidance on troubled debt restructurings ("TDRs") and requires enhanced disclosures for loan modifications to borrowers experiencing financial difficulty. This guidance was applied on a prospective basis. These modified balances are included in their segment cohort based on loan type for the purpose of calculating historical loss rates as described in Note A . Loans may be modified as the result of borrowers experiencing financial difficulty needing relief from the contractual terms of their loan. Most loan modifications to borrowers experiencing financial difficulty are accruing and performing loans where the borrower has approached the Company about modification due to temporary financial difficulties. Each request for modification is individually evaluated for merit and likelihood of success. Often a term extension is needed in the short term in order to evaluate the need for further corrective action. Payment delays and interest-only payments may also be approved during the modification period. Principal forgiveness is not an available option for restructured loans. For commercial loans, modifications could be any of the above-listed modification types available or a mix thereof. Modifications to extend the term, lower the payment amount or delay payment are made for the purposes of providing borrowers additional time to return to compliance with the terms of their loans. Renewals of commercial lines to borrowers experiencing financial difficulty are included within the disclosures below though many of these are made in the normal course of business. For consumer loans, modifications typically consist of minor payment delays or deferrals and may include a modification of the existing contractual rate or extension of the maturity date, or both, when it is determined the borrowers are likely to successfully maintain compliance with these modified loan terms. The following table presents the amortized basis of loans that were modified to borrowers experiencing financial difficulty during the period by loan class and modification type. All such modifications during the quarter were term extensions. Three Months Ended June 30, 2024 Loan Class Term Extension % of Total Loan Class Balance Wtd. Avg. ( in thousands) (in months) Commercial real estate $ 23,435 0.63 % 36 Commercial & industrial 24,233 1.01 9 Total commercial loans 47,668 0.20 Single-family residential 563 0.01 6 Total consumer loans 563 0.01 Total Loans $ 48,231 0.23 % Nine Months Ended June 30, 2024 Loan Class Term Extension % of Total Loan Class Balance Wtd. Avg. ( in thousands) (in months) Commercial real estate $ 23,502 0.63 % 36 Commercial & industrial 56,891 2.38 8 Construction 13,153 0.91 15 Total commercial loans 93,546 0.76 Single-family residential 563 0.01 6 Total commercial loans 563 0.01 % Total Loans $ 94,109 0.45 % The Company closely monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of modification efforts. None of the loans modified in the nine months ended June 30, 2024 was past due as of June 30, 2024. None of the loans above have defaulted after modification. The Company evaluates the credit quality of its 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 primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of June 30, 2024 and September 30, 2023. There were no commercial loans classified as Doubtful or Loss as of either date. June 30, 2024 Term Loans Amortized Cost Basis by Origination Year YTD 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 75,580 $ 187,791 $ 1,528,403 $ 1,184,931 $ 589,557 $ 742,732 $ 31,628 $ 17,119 $ 4,357,741 Special Mention — — 92,856 2,667 — 4,256 — — 99,779 Substandard — — 6,928 5,876 6,696 36,303 — — 55,803 Total $ 75,580 $ 187,791 $ 1,628,187 $ 1,193,474 $ 596,253 $ 783,291 $ 31,628 $ 17,119 $ 4,513,323 Commercial real estate Pass $ 173,108 $ 245,719 $ 1,114,426 $ 726,381 $ 481,590 $ 839,432 $ 16,509 $ — $ 3,597,165 Special Mention — — 2,870 23,090 — 16,246 — — 42,206 Substandard — 498 8,868 2,260 30,652 65,296 — — 107,574 Total $ 173,108 $ 246,217 $ 1,126,164 $ 751,731 $ 512,242 $ 920,974 $ 16,509 $ — $ 3,746,945 Gross Charge-offs — — — — — 203 — 203 Commercial & industrial Pass $ 33,674 $ 154,481 $ 230,569 $ 289,491 $ 92,965 $ 167,152 $ 1,145,709 $ 2,037 $ 2,116,078 Special Mention — 14,565 9,696 1,445 11,280 239 53,157 — 90,382 Substandard — 2,009 45,401 1,565 2,586 47,741 83,473 1 182,776 Total $ 33,674 $ 171,055 $ 285,666 $ 292,501 $ 106,831 $ 215,132 $ 1,282,339 $ 2,038 $ 2,389,236 Gross Charge-offs — — — 10 — 31 2,331 101 2,473 Construction Pass $ 95,296 $ 391,954 $ 589,236 $ 262,828 $ — $ — $ 72,788 $ — $ 1,412,102 Special Mention — 8,093 — 3,096 — — — — 11,189 Substandard 787 2,161 760 13,153 — — — — 16,861 Total $ 96,083 $ 402,208 $ 589,996 $ 279,077 $ — $ — $ 72,788 $ — $ 1,440,152 Land - acquisition & development Pass $ 13,847 $ 14,374 $ 57,384 $ 46,802 $ 5,344 $ 18,260 $ — $ — $ 156,011 Special Mention — — — — — 339 — — 339 Substandard — — — — 74 — — — 74 Total $ 13,847 $ 14,374 $ 57,384 $ 46,802 $ 5,418 $ 18,599 $ — $ — $ 156,424 Gross Charge-offs — — — — — 18 — — 18 Total commercial loans Pass $ 391,505 $ 994,319 $ 3,520,018 $ 2,510,433 $ 1,169,456 $ 1,767,576 $ 1,266,634 $ 19,156 $ 11,639,097 Special Mention — 22,658 105,422 30,298 11,280 21,080 53,157 — 243,895 Substandard 787 4,668 61,957 22,854 40,008 149,340 83,473 1 363,088 Total $ 392,292 $ 1,021,645 $ 3,687,397 $ 2,563,585 $ 1,220,744 $ 1,937,996 $ 1,403,264 $ 19,157 $ 12,246,080 Gross Charge-offs $ — $ — $ — $ 10 $ — $ 252 $ 2,331 $ 101 $ 2,694 June 30, 2024 Term Loans Amortized Cost Basis by Origination Year YTD 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 224,535 $ 757,335 $ 2,268,859 $ 2,099,611 $ 824,073 $ 1,979,837 $ — $ — $ 8,154,250 30 days past due — 1,312 1,812 1,616 — 6,185 — — 10,925 60 days past due — — 1,432 1,203 263 2,039 — — 4,937 90+ days past due — 820 3,494 2,575 453 8,907 — — 16,249 Total $ 224,535 $ 759,467 $ 2,275,597 $ 2,105,005 $ 824,789 $ 1,996,968 $ — $ — $ 8,186,361 Gross Charge-offs — — 13 — — 131 — — 144 Construction - custom Current $ 26,660 $ 126,878 $ 33,910 $ 1,779 $ — $ 358 $ — $ — $ 189,585 30 days past due — — 760 — — — — — 760 90+ days past due — — 88 — — — — — 88 Total $ 26,660 $ 126,878 $ 34,758 $ 1,779 $ — $ 358 $ — $ — $ 190,433 Land - consumer lot loans Current $ 13,385 $ 16,245 $ 32,007 $ 25,124 $ 9,747 $ 14,363 $ — $ — $ 110,871 30 days past due — — 182 72 — — — — 254 60 days past due — — — 213 — — — — 213 90+ days past due — — 105 131 — — — — 236 Total $ 13,385 $ 16,245 $ 32,294 $ 25,540 $ 9,747 $ 14,363 $ — $ — $ 111,574 HELOC Current $ — $ — $ — $ — $ — $ 4,502 $ 251,116 $ 964 $ 256,582 30 days past due — — — — — 297 1,069 — 1,366 60 days past due — — — — — 178 — — 178 90+ days past due — — — — — — 707 — 707 Total $ — $ — $ — $ — $ — $ 4,977 $ 252,892 $ 964 $ 258,833 Consumer Current $ 1,037 $ 56 $ 1 $ 9,493 $ 7,994 $ 19,382 $ 46,224 $ — $ 84,187 30 days past due — — — — — 127 — — 127 60 days past due — — — — — 102 6 — 108 90+ days past due — — — — — 31 9 — 40 Total $ 1,037 $ 56 $ 1 $ 9,493 $ 7,994 $ 19,642 $ 46,239 $ — $ 84,462 Gross Charge-offs — — — — — 118 379 16 513 Total consumer loans Current $ 265,617 $ 900,514 $ 2,334,777 $ 2,136,007 $ 841,814 $ 2,018,442 $ 297,340 $ 964 $ 8,795,475 30 days past due — 1,312 2,754 1,688 — 6,609 1,069 — 13,432 60 days past due — — 1,432 1,416 263 2,319 6 — 5,436 90+ days past due — 820 3,687 2,706 453 8,938 716 — 17,320 Total past due — 2,132 7,873 5,810 716 17,866 1,791 — 36,188 Total $ 265,617 $ 902,646 $ 2,342,650 $ 2,141,817 $ 842,530 $ 2,036,308 $ 299,131 $ 964 $ 8,831,663 Gross Charge-offs $ — $ — $ 13 $ — $ — $ 249 $ 379 $ 16 $ 657 September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 135,859 $ 658,126 $ 850,998 $ 541,655 $ 135,965 $ 400,412 $ 49,523 $ — $ 2,772,538 Special Mention — 90,428 — — — — — — 90,428 Substandard — 5,711 2,309 2,422 7,583 5,603 — — 23,628 Total $ 135,859 $ 754,265 $ 853,307 $ 544,077 $ 143,548 $ 406,015 $ 49,523 $ — $ 2,886,594 Commercial real estate Pass $ 221,057 $ 912,776 $ 735,069 $ 476,941 $ 262,945 $ 596,459 $ 2,349 $ — $ 3,207,596 Special Mention — — 788 — 4,059 — — — 4,847 Substandard 499 5,361 3,810 24,538 27,916 35,534 — — 97,658 Total $ 221,556 $ 918,137 $ 739,667 $ 501,479 $ 294,920 $ 631,993 $ 2,349 $ — $ 3,310,101 Commercial & industrial Pass $ 155,411 $ 258,798 $ 316,713 $ 117,089 $ 24,246 $ 175,042 $ 1,089,896 $ 27,681 $ 2,164,876 Special Mention — — — — 2,940 — 3,707 — 6,647 Substandard — 5,532 8,537 2,783 3,819 46,297 69,948 6,879 143,795 Total $ 155,411 $ 264,330 $ 325,250 $ 119,872 $ 31,005 $ 221,339 $ 1,163,551 $ 34,560 $ 2,315,318 Construction Pass $ 235,150 $ 833,577 $ 559,850 $ 68,105 $ 46,390 $ 373 $ 74,821 $ — $ 1,818,266 Substandard 2,901 5,119 12,650 — — — — — 20,670 Total $ 238,051 $ 838,696 $ 572,500 $ 68,105 $ 46,390 $ 373 $ 74,821 $ — $ 1,838,936 Land - acquisition & development Pass $ 20,593 $ 69,414 $ 39,276 $ 6,280 $ 351 $ 17,876 $ 2,600 $ — $ 156,390 Substandard — 271 — — — — — — 271 Total $ 20,593 $ 69,685 $ 39,276 $ 6,280 $ 351 $ 17,876 $ 2,600 $ — $ 156,661 Total commercial loans Pass $ 768,070 $ 2,732,691 $ 2,501,906 $ 1,210,070 $ 469,897 $ 1,190,162 $ 1,219,189 $ 27,681 $ 10,119,666 Special Mention — 90,428 788 — 6,999 — 3,707 — 101,922 Substandard 3,400 21,994 27,306 29,743 39,318 87,434 69,948 6,879 286,022 Total $ 771,470 $ 2,845,113 $ 2,530,000 $ 1,239,813 $ 516,214 $ 1,277,596 $ 1,292,844 $ 34,560 $ 10,507,610 September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 513,007 $ 1,478,479 $ 1,719,163 $ 718,250 $ 295,836 $ 1,640,330 $ — $ — $ 6,365,065 30 days past due 822 115 859 392 221 4,032 — — 6,441 60 days past due — 1,526 1,420 1,325 — 1,797 — — 6,068 90+ days past due — 1,470 666 1,408 — 7,872 — — 11,416 Total $ 513,829 $ 1,481,590 $ 1,722,108 $ 721,375 $ 296,057 $ 1,654,031 $ — $ — $ 6,388,990 Construction - custom Current $ 92,081 $ 218,988 $ 8,838 $ 243 $ 358 $ 479 $ — $ — $ 320,987 30 days past due — 760 — — — — — — 760 60 days past due — — — 2,617 — — — — 2,617 90+ days past due — 87 — — — — — — 87 Total $ 92,081 $ 219,835 $ 8,838 $ 2,860 $ 358 $ 479 $ — $ — $ 324,451 Land - consumer lot loans Current $ 19,128 $ 41,658 $ 35,048 $ 11,517 $ 4,166 $ 12,714 $ — $ — $ 124,231 30 days past due — — 358 — — — — — 358 60 days past due — — 245 — — — — — 245 90+ days past due — — — — — 8 — — 8 Total $ 19,128 $ 41,658 $ 35,651 $ 11,517 $ 4,166 $ 12,722 $ — $ — $ 124,842 HELOC Current $ — $ — $ — $ — $ — $ 3,733 $ 230,338 $ 1,637 $ 235,708 30 days past due — — — — — 44 1,006 — 1,050 60 days past due — — — — — 314 — — 314 90+ days past due — — — — — — 682 — 682 Total $ — $ — $ — $ — $ — $ 4,091 $ 232,026 $ 1,637 $ 237,754 Consumer Current $ 662 $ 121 $ 9,748 $ 8,006 $ 16 $ 23,201 $ 27,945 $ — $ 69,699 30 days past due — — — — — 225 3 — 228 60 days past due — — — — — 106 1 — 107 90+ days past due — — — — 29 46 — 1 76 Total $ 662 $ 121 $ 9,748 $ 8,006 $ 45 $ 23,578 $ 27,949 $ 1 $ 70,110 Total consumer loans Current $ 624,878 $ 1,739,246 $ 1,772,797 $ 738,016 $ 300,376 $ 1,680,457 $ 258,283 $ 1,637 $ 7,115,690 30 days past due 822 875 1,217 392 221 4,301 1,009 — 8,837 60 days past due — 1,526 1,665 3,942 — 2,217 1 — 9,351 90+ days past due — 1,557 666 1,408 29 7,926 682 1 12,269 Total $ 625,700 $ 1,743,204 $ 1,776,345 $ 743,758 $ 300,626 $ 1,694,901 $ 259,975 $ 1,638 $ 7,146,147

Allowance for Losses on Loans

Allowance for Losses on Loans	9 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Allowance for Losses on Loans	Allowance for Losses on Loans 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. Three Months Ended June 30, 2024 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 21,979 $ — $ — $ 3,220 $ 25,199 Commercial real estate 32,991 (203) 2 6,966 39,756 Commercial & industrial 59,261 (2,346) 1,003 (85) 57,833 Construction 27,317 — — (4,610) 22,707 Land - acquisition & development 7,865 — 17 (182) 7,700 Total commercial loans 149,413 (2,549) 1,022 5,309 153,195 Consumer loans Single-family residential 41,054 (13) 118 (843) 40,316 Construction - custom 1,918 — — (424) 1,494 Land - consumer lot loans 3,214 — 2 (568) 2,648 HELOC 2,974 — 1 (51) 2,924 Consumer 3,004 (151) 317 77 3,247 Total consumer loans 52,164 (164) 438 (1,809) 50,629 Total ACL - loans $ 201,577 $ (2,713) $ 1,460 $ 3,500 $ 203,824 1 Provision & transfer amounts within the table do not reflect a provision recapture from unfunded commitments of $2,000,000. Three Months Ended June 30, 2023 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 13,038 $ — $ — $ (62) $ 12,976 Commercial real estate 27,803 — — 329 28,132 Commercial & industrial 63,301 (10,469) 10 9,073 61,915 Construction 26,027 — — 1,889 27,916 Land - acquisition & development 7,496 — 24 (274) 7,246 Total commercial loans 137,665 (10,469) 34 10,955 138,185 Consumer loans Single-family residential 26,916 — 18 149 27,083 Construction - custom 3,456 — — (235) 3,221 Land - consumer lot loans 3,945 — 9 (184) 3,770 HELOC 2,662 — — 81 2,743 Consumer 2,776 (74) 131 234 3,067 Total consumer loans 39,755 (74) 158 45 39,884 Total loans $ 177,420 $ (10,543) $ 192 $ 11,000 $ 178,069 1 Provision & transfer amounts within the table do not reflect a provision recapture from unfunded commitments of $2,000,000. Nine Months Ended June 30, 2024 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 13,155 $ — $ — $ 12,044 $ 25,199 Commercial real estate 28,842 (203) 4 11,113 39,756 Commercial & industrial 58,773 (2,473) 1,067 466 57,833 Construction 29,408 — — (6,701) 22,707 Land - acquisition & development 7,016 (18) 88 614 7,700 Total commercial loans 137,194 (2,694) 1,159 17,536 153,195 Consumer loans Single-family residential 28,029 (144) 293 12,138 40,316 Construction - custom 2,781 — — (1,287) 1,494 Land - consumer lot loans 3,512 — 57 (921) 2,648 HELOC 2,859 — 3 62 2,924 Consumer 2,832 (513) 553 375 3,247 Total consumer loans 40,013 (657) 906 10,367 50,629 Total ACL - loans $ 177,207 $ (3,351) $ 2,065 $ 27,903 $ 203,824 1 Provision & transfer amounts within the table include the $16,000,000 initial provision related to non-PCD loans acquired during the quarter and the $7,403,000 PCD ACL amount included in the Merger purchase price allocation but do not reflect a provision recapture from unfunded commitments of $3,000,000. Nine Months Ended June 30, 2023 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 12,013 $ — $ — $ 963 $ 12,976 Commercial real estate 25,814 — 5 2,313 28,132 Commercial & industrial 57,210 (16,605) 84 21,226 61,915 Construction 26,161 — — 1,755 27,916 Land - acquisition & development 12,278 — 54 (5,086) 7,246 Total commercial loans 133,476 (16,605) 143 21,171 138,185 Consumer loans Single-family residential 25,518 (34) 552 1,047 27,083 Construction - custom 3,410 — — (189) 3,221 Land - consumer lot loans 5,047 — 14 (1,291) 3,770 HELOC 2,482 — 1 260 2,743 Consumer 2,875 (258) 448 2 3,067 Total consumer loans 39,332 (292) 1,015 (171) 39,884 Total loans $ 172,808 $ (16,897) $ 1,158 $ 21,000 $ 178,069 1 Provision & transfer amounts within the table do not reflect a provision recapture from unfunded commitments of $6,000,000. The Company recorded a $1,500,000 provision for credit losses for the three months ended June 30, 2024, compared with a provision for credit losses of $9,000,000 for the three months ended June 30, 2023. The provision in the three months ended June 30, 2024 was primarily due to prolonged and increased borrower sensitivity to high interest rates and operating costs resulting from inflationary pressures in the commercial portfolio. This was offset by a reduction in balance resulting from reclassifying a portion of the LBC single-family loans as Held for Sale. The provision for the three months ended June 30, 2023 was primarily due to growth in net loans receivable combined with the changing economic outlook amid concerns around a looming recession and recent macro-economic events. The Company recorded a $17,500,000 provision for credit losses for the nine months ended June 30, 2024, compared with a provision for credit losses of $15,000,000 for the nine months ended June 30, 2023. The June 30, 2024 year-to-date provision included the initial reserve needed for the acquired LBC non-PCD loans. The increase in the overall ACL was a combination of the provision recorded and the reserve for LBC PCD loans booked in purchase accounting. Charge-offs, net of recoveries, totaled $1,253,000 for the three months ended June 30, 2024, compared to $10,351,000 during the three months ended June 30, 2023. Charge-offs, net of recoveries, totaled $1,286,000 for the nine months ended June 30, 2024, compared to $15,739,000 during the nine months ended June 30, 2023. Non-performing assets were $68,787,000, or 0.24% of total assets, at June 30, 2024, compared to $57,924,000, or 0.26% of total assets, at September 30, 2023. Non-accrual loans were $61,268,000 at June 30, 2024, compared to $50,422,000 at September 30, 2023. Delinquencies, as a percent of total loans, were 0.22% at June 30, 2024, compared to 0.36% at September 30, 2023. 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 The following tables provide the amortized cost of loans receivable based on risk rating categories as previously defined. June 30, 2024 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total (In thousands, except ratio data) Loan type Commercial loans Multi-family $ 4,357,741 $ 99,779 $ 55,803 $ — $ — $ 4,513,323 Commercial real estate 3,597,165 42,206 107,574 — — 3,746,945 Commercial & industrial 2,116,078 90,382 182,776 — — 2,389,236 Construction 1,412,102 11,189 16,861 — — 1,440,152 Land - acquisition & development 156,011 339 74 — — 156,424 Total commercial loans 11,639,097 243,895 363,088 — — 12,246,080 Consumer loans Single-family residential 8,165,936 — 20,425 — — 8,186,361 Construction - custom 190,345 — 88 — — 190,433 Land - consumer lot loans 111,125 — 449 — — 111,574 HELOC 258,075 — 758 — — 258,833 Consumer 84,441 — 21 — — 84,462 Total consumer loans 8,809,922 — 21,741 — — 8,831,663 Total $ 20,449,019 $ 243,895 $ 384,829 $ — $ — $ 21,077,743 Total grade as a % of total loans 97.02 % 1.16 % 1.84 % — % — % September 30, 2023 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Commercial loans Multi-family $ 2,772,538 $ 90,428 $ 23,628 $ — $ — $ 2,886,594 Commercial real estate 3,207,596 4,847 97,658 — — 3,310,101 Commercial & industrial 2,164,876 6,647 143,795 — — 2,315,318 Construction 1,818,266 — 20,670 — — 1,838,936 Land - acquisition & development 156,390 — 271 — — 156,661 Total commercial loans 10,119,666 101,922 286,022 — — 10,507,610 Consumer loans Single-family residential 6,370,936 — 18,054 — — 6,388,990 Construction - custom 324,363 — 88 — — 324,451 Land - consumer lot loans 124,588 — 254 — — 124,842 HELOC 237,018 — 736 — — 237,754 Consumer 70,098 — 12 — — 70,110 Total consumer loans 7,127,003 — 19,144 — — 7,146,147 Total loans $ 17,246,669 $ 101,922 $ 305,166 $ — $ — $ 17,653,757 Total grade as a % of total gross loans 97.69 % 0.58 % 1.73 % — % — % The following tables provide information on the amortized cost of loans receivable based on borrower payment activity. June 30, 2024 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Commercial loans Multi-family $ 4,503,339 99.8 % $ 9,984 0.2 % Commercial real estate 3,720,537 99.3 26,408 0.7 Commercial & industrial 2,387,098 99.9 2,138 0.1 Construction 1,439,032 99.9 1,120 0.1 Land - acquisition & development 156,350 100.0 74 — Total commercial loans 12,206,356 99.7 39,724 0.3 Consumer loans Single-family residential 8,165,939 99.8 20,422 0.2 Construction - custom 190,345 100.0 88 — Land - consumer lot loans 111,338 99.8 236 0.2 HELOC 258,075 99.7 758 0.3 Consumer 84,422 100.0 40 0.0 Total consumer loans 8,810,119 99.8 21,544 0.2 Total loans $ 21,016,475 99.7 % $ 61,268 0.3 % September 30, 2023 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Commercial loans Multi-family $ 2,881,467 99.8 % $ 5,127 0.2 % Commercial real estate 3,286,666 99.3 23,435 0.7 Commercial & industrial 2,309,236 99.7 6,082 0.3 Construction 1,838,936 100.0 — — Land - acquisition & development 156,661 100.0 — — Total commercial loans 10,472,966 99.7 34,644 0.3 Consumer loans Single-family residential 6,374,072 99.8 14,918 0.2 Construction - custom 324,363 100.0 88 — Land - consumer lot loans 124,833 100.0 9 — HELOC 237,018 99.7 736 0.3 Consumer 70,083 100.0 27 0.0 Total consumer loans 7,130,369 99.8 15,778 0.2 Total loans $ 17,603,335 99.7 % $ 50,422 0.3 %

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements FASB ASC 820, Fair Value Measurement ("ASC 820") defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active exchange markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company has established and documented the process for determining the fair values of its assets and liabilities, where applicable. Fair value is based on quoted market prices, when available, for identical or similar assets or liabilities. In the absence of quoted market prices, fair value is determined using valuation models or third-party appraisals. The following is a description of the valuation methodologies used to measure and report the fair value of financial assets and liabilities on a recurring or nonrecurring basis. Measured on a Recurring Basis Available-for-Sale Securities, Loans Held for Sale and Derivative Contracts Securities available for sale are recorded at fair value on a recurring basis. The fair value of debt securities are priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and under GAAP are considered a Level 2 input method. Securities that are traded on active exchanges are measured using the closing price in an active market and are considered a Level 1 input method. Certain loans acquired in the Merger which have been designated as held for sale were recorded at fair value to be remeasured on a recurring basis until sold. The fair value of these loans is based on observable market data including dealer quotes and bids from third parties. These are considered a Level 2 input method. The Company offers interest rate swaps to its variable rate borrowers who want to manage their interest rate risk. At the same time, the Company enters into the opposite trade with a counter party to offset its interest rate risk. The Company has also entered into commercial loan hedges, mortgage pool hedges and borrowings hedges using interest rate swaps. The fair value of these interest rate swaps are estimated by a third-party pricing service using a discounted cash flow technique. These are considered a Level 2 input method. The following tables present the balance and level in the fair value hierarchy of assets and liabilities that are measured at fair value on a recurring basis (with the exception of those measured using the NAV practical expedient). June 30, 2024 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 292,775 $ — $ 292,775 Asset-backed securities — 507,812 — 507,812 Municipal bonds — 35,017 — 35,017 Corporate debt securities — 241,167 — 241,167 Mortgage-backed securities Agency pass-through certificates — 1,351,998 — 1,351,998 Total available-for-sale securities — 2,428,769 — 2,428,769 Loans held for sale — 468,527 — 468,527 Derivatives: Client swap program hedges — 63,374 — 63,374 Commercial loan fair value hedges — 2,534 — 2,534 Mortgage loan fair value hedges — 59,243 — 59,243 Borrowings cash flow hedges — 151,333 — 151,333 Total financial assets $ — $ 3,173,780 $ — $ 3,173,780 Financial Liabilities Client swap program hedges $ — $ 64,075 $ — $ 64,075 Total financial liabilities $ — $ 64,075 $ — $ 64,075 September 30, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 217,053 $ — $ 217,053 Asset-backed securities — 588,016 588,016 Municipal bonds — 34,662 — 34,662 Corporate debt securities — 242,522 — 242,522 Mortgage-backed securities Agency pass-through certificates — 912,844 — 912,844 Total available-for-sale securities — 1,995,097 — 1,995,097 Client swap program hedges — 78,797 — 78,797 Commercial loan fair value hedges — 3,405 — 3,405 Mortgage loan fair value hedges — 46,396 — 46,396 Borrowings cash flow hedges — 184,373 — 184,373 Total financial assets $ — $ 2,308,068 $ — $ 2,308,068 Financial Liabilities Client swap program hedges $ — $ 79,668 $ — $ 79,668 Total financial liabilities $ — $ 79,668 $ — $ 79,668 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 at June 30, 2024 included 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 at June 30, 2024 and June 30, 2023, 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. June 30, 2024 Three Months Ended June 30, 2024 Nine Months Ended June 30, 2024 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Loans (1) $ — $ — $ 4,345 $ 4,345 $ (2,679) $ (3,004) Real estate owned (2) — — 1,460 1,460 (35) (1,910) Balance at end of period $ — $ — $ 5,805 $ 5,805 $ (2,714) $ (4,914) (1) The gains (losses) represent re-measurements of collateral-dependent loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned. June 30, 2023 Three Months Ended June 30, 2023 Nine Months Ended June 30, 2023 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Loans (1) $ — $ — $ 34,535 $ 34,535 $ (10,530) $ (16,773) Real estate owned (2) — — 3,672 3,672 (121) (98) Balance at end of period $ — $ — $ 38,207 $ 38,207 $ (10,651) $ (16,871) (1) The gains (losses) represent re-measurements of collateral-dependent loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned. At June 30, 2024, there was $28,000 in 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 $6,134,000. Fair Values of Financial Instruments FASB ASC 825, Financial Instruments ("ASC 825") requires disclosure of fair value information about financial instruments, whether or not recognized on the statement of financial condition, for which it is practicable to estimate those values. Certain financial instruments and all non-financial instruments are excluded from the disclosure requirements. Accordingly, the aggregate fair value estimates presented do not reflect the underlying fair value of the Company. Although management is not aware of any factors that would materially affect the estimated fair value amounts presented below, such amounts have not been comprehensively revalued for purposes of these financial statements since the dates shown, and therefore, estimates of fair value subsequent to those dates may differ significantly from the amounts presented below. June 30, 2024 September 30, 2023 Level in Fair Value Hierarchy Carrying Estimated Carrying Estimated ($ in thousands) Financial assets Cash and cash equivalents 1 $ 2,492,504 $ 2,492,504 $ 980,649 $ 980,649 Available-for-sale securities U.S. government and agency securities 2 292,775 292,775 217,053 217,053 Asset-backed securities 2 507,812 507,812 588,016 588,016 Municipal bonds 2 35,017 35,017 34,662 34,662 Corporate debt securities 2 241,167 241,167 242,522 242,522 Mortgage-backed securities Agency pass-through certificates 2 1,351,998 1,351,998 912,844 912,844 Total available-for-sale securities 2,428,769 2,428,769 1,995,097 1,995,097 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 2 447,638 398,005 423,586 355,188 Total held-to-maturity securities 447,638 398,005 423,586 355,188 Loans receivable 3 20,873,919 20,038,322 17,476,550 16,559,758 Loans held for sale 2 468,527 468,527 — — FHLB stock 2 107,282 107,282 126,820 126,820 Other assets - client swap program hedges 2 63,374 63,374 78,797 78,797 Other assets - commercial fair value loan hedges 2 2,534 2,534 3,405 3,405 Other assets - mortgage loan fair value hedges 2 59,243 59,243 46,396 46,396 Other assets - borrowings cash flow hedges 2 151,333 151,333 184,373 184,373 Financial liabilities Time deposits 2 9,255,760 9,188,683 5,305,016 5,232,689 Borrowings 2 3,934,514 3,929,935 3,650,000 3,653,229 Junior subordinated deferrable interest debentures 3 50,485 50,535 — — Senior Debt 2 94,361 94,752 — — Other liabilities - client swap program hedges 2 64,075 64,075 79,668 79,668 The following methods and assumptions were used to estimate the fair value of financial instruments: Cash and cash equivalents – The carrying amount of these items is a reasonable estimate of their fair value. Available-for-sale securities and held-to-maturity securities – Securities at fair value are primarily priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and are considered a Level 2 input method. Equity securities that are exchange traded are considered a Level 1 input method. Loans receivable – Fair values are estimated first by stratifying the portfolios of loans with similar financial characteristics. Loans are segregated by type such as multi-family real estate, residential mortgage, construction, commercial, consumer and land loans. Each loan category is further segmented into fixed- and adjustable-rate interest terms. For residential mortgages and multi-family loans, the bank determined that its best exit price was by securitization. MBS benchmark prices are used as a base price, with further loan level pricing adjustments made based on individual loan characteristics such as FICO score, LTV, Property Type and occupancy. For all other loan categories an estimate of fair value is then calculated based on discounted cash flows using a discount rate offered and observed in the market on similar products, plus an adjustment for liquidity to reflect the non-homogeneous nature of the loans, as well as 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. Loans held for sale - The loans held for sale portfolio was recorded at fair value based on quotes or bids from third parties. FHLB stock – The fair value is based upon the par value of the stock that equates to its carrying value. Time deposits – The fair value of time deposits is estimated by discounting the estimated future cash flows using rates offered for deposits with similar remaining maturities. Borrowings – The fair value of FHLB advances and FRB borrowings is estimated by discounting the estimated future cash flows using rates currently available to the Company for debt with similar remaining maturities. Junior subordinated deferrable interest debentures - The fair value of junior subordinated debentures is estimated using an income approach valuation technique. The significant unobservable input utilized in the estimation of fair value of these instruments is the credit risk adjusted spread. The credit risk adjusted spread represents the nonperformance risk of the liability, contemplating the inherent risk of the obligation. The ending carrying (fair) value of the junior subordinated debentures measured at fair value represents the estimated amount that would be paid to transfer these liabilities in an orderly transaction amongst market participants. Due to credit concerns in the capital markets and inactivity in the trust preferred markets that have limited the observability of market spreads, the Company has classified this as a Level 3 fair value measurement. Senior Debt - The fair value of senior debt is estimated by using model pricing based on the debts relationship to other benchmark quoted pricing as provided by an independent third party and are considered a Level 2 input. Interest rate swaps – The Company offers interest rate swaps to its variable rate borrowers who want to manage their interest rate risk. At the same time, the Company enters into the opposite trade with a counterparty to offset its interest rate risk. The Company also uses interest rate swaps for various fair value hedges and cash flow hedges. The fair value of these interest rate swaps is estimated by a third-party pricing service using a discounted cash flow technique. The following tables provide details about the amortized cost and fair value of available-for-sale and held-to-maturity securities. June 30, 2024 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due Within 1 year $ 6,530 $ 3 $ (4) $ 6,529 5.84 % 1 to 5 years 5,528 3 (233) 5,298 2.82 5 to 10 years 151,376 1,205 — 152,581 6.01 Over 10 years 128,092 571 (296) 128,367 6.33 Asset-backed securities 1 to 5 years 12,369 — (334) 12,035 6.10 5 to 10 years 17,411 63 — 17,474 6.23 Over 10 years 479,681 672 (2,050) 478,303 6.33 Corporate debt securities due Within 1 year 25,043 — (436) 24,607 3.50 1 to 5 years 119,108 882 (163) 119,827 5.58 5 to 10 years 112,327 — (15,594) 96,733 3.87 Municipal bonds due 5 to 10 years 5,697 — (514) 5,183 3.00 Over 10 years 29,803 274 (243) 29,834 5.85 Mortgage-backed securities Agency pass-through certificates 1,415,258 2,600 (65,860) 1,351,998 4.01 2,508,223 6,273 (85,727) 2,428,769 4.81 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 447,638 170 (49,803) 398,005 3.17 447,638 170 (49,803) 398,005 3.17 $ 2,955,861 $ 6,443 $ (135,530) $ 2,826,774 4.51 % September 30, 2023 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due Within 1 year $ 3,501 $ — $ (36) $ 3,465 6.06 % 1 to 5 years 18,894 — (563) 18,331 4.70 5 to 10 years 87,922 177 — 88,099 5.76 Over 10 years 106,340 831 (13) 107,158 5.84 Asset-backed securities 1 to 5 years 18,579 — (715) 17,864 6.06 5 to 10 years 36,875 2 (99) 36,778 6.11 Over 10 years 539,911 578 (7,115) 533,374 6.35 Corporate debt securities due 1 to 5 years 151,893 895 (1,787) 151,001 5.14 5 to 10 years 113,221 — (21,700) 91,521 3.87 Municipal bonds due 5 to 10 years 5,720 — (701) 5,019 3.00 Over 10 years 29,832 361 (550) 29,643 5.85 Mortgage-backed securities Agency pass-through certificates 1,005,928 66 (93,150) 912,844 3.39 2,118,616 2,910 (126,429) 1,995,097 4.64 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 423,586 — (68,398) 355,188 2.88 423,586 — (68,398) 355,188 2.88 $ 2,542,202 $ 2,910 $ (194,827) $ 2,350,285 4.35 % The Company purchased $321,308,000 of AFS investment securities during the nine months ended June 30, 2024 and purchased $317,027,000 of AFS securities during the nine months ended June 30, 2023. The Company also obtained $516,308,000 in AFS securities in the Merger. Sales of AFS securities totaled $179,215,000 during the nine months ended June 30, 2024 compared to sales of $94,000 during the prior year same period. The Company sold approximately $171,000,000 of AFS securities obtained in the Merger to rebalance the overall portfolio. Realized gains and losses from the sale were included in purchase accounting adjustments to reflect the acquisition date fair value as the sales took place close to the Merger date. For HTM investment securities, there were $47,092,000 in purchases during the nine months ended June 30, 2024 and no purchases during the nine months ended June 30, 2023. $2,570,000 of HTM securities were obtained in the Merger. There were no sales of HTM investment securities during the nine months ended June 30, 2024 or June 30, 2023. Substantially all of the agency 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 $9,772,000 and $8,641,000 as of June 30, 2024 and September 30, 2023, respectively. For HTM debt securities, AIR totaled $1,181,000 and $1,013,000 as of June 30, 2024 and September 30, 2023, respectively. AIR for securities is included in the Interest receivable line item balance on the Company’s consolidated statements of financial condition. The following tables show the gross unrealized losses and fair value of securities as of June 30, 2024 and September 30, 2023, by length of time that individual securities in each category have been in a continuous loss position. There were 227 and 231 securities with an unrealized loss as of June 30, 2024 and September 30, 2023, respectively. June 30, 2024 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ (163) $ 19,831 $ (16,030) $ 121,341 $ (16,193) $ 141,172 Municipal bonds — — (757) 14,743 (757) 14,743 Asset-backed securities (336) 59,540 (2,583) 299,752 (2,919) 359,292 Mortgage-backed securities (789) 231,819 (65,070) 696,533 (65,859) 928,352 (1,288) 311,190 (84,440) 1,132,369 (85,728) 1,443,559 Held-to-maturity securities Mortgage-backed securities — — (49,802) 345,952 (49,802) 345,952 $ (1,288) $ 311,190 $ (134,242) $ 1,478,321 $ (135,530) $ 1,789,511 September 30, 2023 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ — $ — $ (23,487) $ 167,452 $ (23,487) $ 167,452 Municipal bonds due — — (1,250) 14,302 (1,250) 14,302 U.S. government and agency securities (13) 14,917 (599) 21,795 (612) 36,712 Asset-backed securities (2,142) 86,800 (5,788) 445,454 (7,930) 532,254 Mortgage-backed securities (2,030) 142,235 (91,120) 744,010 (93,150) 886,245 (4,185) 243,952 (122,244) 1,393,013 (126,429) 1,636,965 Held-to-maturity securities Mortgage-backed securities (15) 1,424 (68,383) 353,764 (68,398) 355,188 $ (4,200) $ 245,376 $ (190,627) $ 1,746,777 $ (194,827) $ 1,992,153 The decline in fair value since purchase is attributable to changes in interest rates. 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 of June 30, 2024 or September 30, 2023. The Company does not consider AFS or HTM investments to have any credit impairment. The Company does not believe that the AFS debt securities that were in an unrealized loss position have any credit loss impairment as of June 30, 2024 or September 30, 2023. The Company does not intend to sell the investment securities that were in an unrealized loss position and it is more likely than not the Company will not be required to sell the investment securities before recovery of their amortized cost basis, which may be at maturity. AFS 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. Corporate debt securities and municipal bonds are considered to have an issuer of high credit quality and the decline in fair value is due to changes in interest rates and other market conditions. The issuer continues to make timely principal and interest payments on the bonds. The fair value is expected to recover as the bonds approach maturity.

Derivatives and Hedging Activit

Derivatives and Hedging Activities	9 Months Ended
	Jun. 30, 2024
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 June 30, 2024 and September 30, 2023. June 30, 2024 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 $ 978,203 $ 63,374 Other liabilities $ 978,203 $ 64,075 Commercial loan fair value hedges Other assets 37,042 2,534 Other liabilities — — Mortgage loan fair value hedges Other assets 2,670,000 59,243 Other liabilities — — Borrowings cash flow hedges Other assets 1,000,000 151,333 Other liabilities — — $ 4,685,245 $ 276,484 $ 978,203 $ 64,075 September 30, 2023 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 $ 806,744 $ 78,797 Other liabilities $ 806,744 $ 79,668 Commercial loan fair value hedges Other assets 39,661 3,405 Other liabilities — — Mortgage loan fair value hedges Other assets 670,000 46,396 Other liabilities — — Borrowings cash flow hedges Other assets 1,000,000 184,373 Other liabilities — — $ 2,516,405 $ 312,971 $ 806,744 $ 79,668 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 "portfolio layer" method. These relationships qualify as fair value hedges under FASB ASC 815, Derivatives and Hedging ("ASC 815"), which provides for offsetting of the recognition of gains and losses of the respective interest rate swap and the hedged items. Gains and losses on interest rate swaps designated in these hedge relationships, along with the offsetting gains and losses on the hedged items attributable to the hedged risk, are recognized in current earnings within the same income statement line item. Upon electing to apply ASC 815 fair value hedge accounting, the carrying value of the hedged item is adjusted to reflect the cumulative impact of changes in fair value attributable to the hedged risk. The hedge basis adjustment remains with the hedged item until the hedged item is de-recognized from the balance sheet. The following tables present the impact of fair value hedge accounting on the carrying value of the hedged items at June 30, 2024 and September 30, 2023. (In thousands) June 30, 2024 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) $ 7,385,202 $ (40,379) $ 7,385,202 $ (40,379) (1) Includes the amortized cost basis of the closed mortgage loan portfolios used to designate the hedging relationships in which the hedged items are a portfolio layer expected to be remaining at the end of the hedging relationships. At June 30, 2024, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $7,350,681,000, the cumulative basis adjustment associated with the hedging relationships was $(37,908,000), and the amount of the designated hedged items was $2,670,000,000. During the three and nine months ended June 30, 2024, hedge accounting was discontinued on a $300,000,000 last of layer hedge. A basis adjustment of $1,232,211 associated with the terminated portion of the hedge will be accreted 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 June 30, 2024, the amortized cost basis of the hedged commercial loans was $34,521,000 and the cumulative basis adjustment associated with the hedging relationships was $(2,471,000). (In thousands) September 30, 2023 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) $ 1,816,870 $ (48,865) $ 1,816,870 $ (48,865) (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, 2023, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,780,503,000, the cumulative basis adjustment associated with the hedging relationships was $(45,622,000), and the amount of the designated hedged items was $670,000,000. (2) Includes the amortized cost basis of commercial loans designated in fair value hedging relationships. At September 30, 2023, the amortized cost basis of the hedged commercial loans was $36,367,000 and the cumulative basis adjustment associated with the hedging relationships was $(3,243,000). The Company has entered into interest rate swaps to convert certain short-term borrowings to fixed rate payments. The primary purpose of these hedges is to mitigate the risk of changes in future cash flows resulting from increasing interest rates. For qualifying cash flow hedges under ASC 815, gains and losses on the interest rate swaps are recorded in accumulated other comprehensive income ("AOCI") and then reclassified into earnings in the same period the hedged cash flows affect earnings and within the same income statement line item as the hedged cash flows. As of June 30, 2024, the maturities for hedges of adjustable-rate borrowings ranged from four months to six years, with the weighted average being 5 years. The following table presents the impact of derivative instruments (cash flow hedges on borrowings) on AOCI for the periods presented. (In thousands) Three Months Ended June 30, Amount of gain/(loss) recognized in AOCI on derivatives in cash flow hedging relationships 2024 2023 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ (3,256) $ 14,757 Total pre-tax gain/(loss) recognized in AOCI $ (3,256) $ 14,757 (In thousands) Nine Months Ended June 30, Amount of gain/(loss) recognized in AOCI on derivatives in cash flow hedging relationships 2024 2023 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ (33,040) $ (14,021) Total pre-tax gain/(loss) recognized in AOCI $ (33,040) $ (14,021) The following tables present the gain (loss) on derivative instruments in fair value and cash flow accounting hedging relationships under ASC 815 for the periods presented. Three Months Ended June 30, 2024 Three Months Ended June 30, 2023 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 $ 337,118 $ (60,396) $ 232,167 $ (33,718) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 13,113 $ 4,348 Recognized on derivatives 3,044 13,223 Recognized on hedged items (1,972) (13,195) Net income/(expense) recognized on fair value hedges $ 14,185 $ 4,376 Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 11,718 $ 10,639 Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — — Net income/(expense) recognized on cash flow hedges $ 11,718 $ 10,639 Nine Months Ended June 30, 2024 Nine Months Ended June 30, 2023 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 $ 857,251 $ (142,399) $ 659,070 $ (80,877) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 27,123 $ 11,753 Recognized on derivatives (6,937) 3,766 Recognized on hedged items 7,254 (3,367) Net income/(expense) recognized on fair value hedges $ 27,440 $ 12,152 Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 35,279 $ 27,370 Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — — Net income/(expense) recognized on cash flow hedges $ 35,279 $ 27,370 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. The impact to the statement of operations was an increase in other income of $169,000 for the nine months ended June 30, 2024 and a decrease of $900,000 for the nine months ended June 30, 2023. The following tables present the impact of derivative instruments (client swap program) that are not designated in accounting hedges under ASC 815 for the periods presented. (In thousands) Three Months Ended June 30, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2024 2023 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ (715) $ 12,612 Receive fixed/pay floating swap Other noninterest income 770 (13,538) $ 55 $ (926) (In thousands) Nine Months Ended June 30, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2024 2023 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ (18,410) $ (2,409) Receive fixed/pay floating swap Other noninterest income 18,579 1,509 $ 169 $ (900)

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Jun. 30, 2024
Revenue from Contract with Customer [Abstract]
Revenue from Contracts with Customers	Revenue from Contracts with Customers Since net interest income on financial assets and liabilities is outside the scope of ASU No. 2014-09, Revenue from Contracts with Customers ("ASC 606"), a significant majority of Company revenues are not subject to that guidance. Revenue streams that are within the scope of ASC 606 are presented within non-interest income and are, in general, recognized as revenue at the same time the Company's obligation to the customer is satisfied. Most of the Company's customer contracts that are within the scope of the new guidance are cancelable by either party without penalty and are short-term in nature. These sources of revenue include depositor and other consumer and business banking fees, commission income, as well as debit and credit card interchange fees. In scope revenue streams represented approximately 3.3% of Company total revenue for the nine months ended June 30, 2024, compared to 4.0% for the nine months ended June 30, 2023. As this standard is immaterial to the consolidated financial statements, the Company has omitted certain disclosures in ASC 606, including the disaggregation of revenue table. Sources of non-interest income within the scope of the guidance include the following: Deposit related and other service charges (recognized in Deposit fee income) - The Company's deposit accounts are governed by standardized contracts customary in the industry. Revenues are earned at a point in time or over time (monthly) from account maintenance fees and charges for specific transactions such as wire transfers, stop payment orders, overdrafts, debit card replacements, check orders and cashier’s checks. The Company’s performance obligation related to each of these fees is generally satisfied, and the related revenue recognized, at the time the service is provided (point in time or monthly). The Company is principal in each of these contracts. Debit and Credit Card Interchange Fees (recognized in Deposit fee income) - The Company receives interchange fees from the debit card or credit card payment network based on transactions involving debit or credit cards issued by the Company, generally measured as a percentage of the underlying transaction. Interchange fees from debit and credit card transactions are recognized as the transaction processing services are provided by the network. The Company acts as an agent in the card payment network arrangement, so the interchange fees are recorded net of any expenses paid to the principal (the card payment network in this case). Insurance Agency Commissions (recognized in Other income)

Commitment and Contingencies

Commitment and Contingencies	9 Months Ended
	Jun. 30, 2024
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 2024 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. Financial Instruments with Off-Balance Sheet Risk - Off-balance-sheet credit exposures for the Company include unfunded loan commitments and letters of credit from the FHLB-DM and the FHLB-SF. As of June 30, 2024, the Bank was obligated on FHLB letters of credit totaling $867,606,000 and unfunded loan commitments had a balance of $2,990,744,000. The reserve for unfunded commitments was $21,500,000 as of June 30, 2024, which is a decrease from $24,500,000 at September 30, 2023. 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.

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Pay vs Performance Disclosure
Net income	$ 64,560	$ 61,775	$ 138,901	$ 207,218

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Jun. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation - The Company has prepared the consolidated unaudited interim financial statements included in this report. All intercompany transactions and accounts have been eliminated in consolidation. The preparation of financial statements, in conformity with accounting principles generally accepted in the United States of America (“GAAP”), requires management to make estimates and assumptions that affect amounts reported in the financial statements. Actual results could differ from these estimates. In the opinion of management, all adjustments (consisting only of normal recurring adjustments) necessary for a fair presentation are reflected in the interim financial statements. On February 29, 2024, WaFd, Inc. closed its previously announced merger with Luther Burbank Corporation ("Luther Burbank" or "LBC"), a California corporation, effective as of 12:00am on March 1, 2024 (the "Effective Time"). Pursuant to the Merger Agreement, at the Effective Time Luther Burbank merged with and into the Company (the “Corporate Merger”), with the Company surviving the Corporate Merger. Promptly following the Corporate Merger, Luther Burbank’s wholly-owned bank subsidiary, Luther Burbank Savings, merged with and into WaFd Bank with WaFd Bank as the surviving institution (the “Bank Merger”). The Corporate Merger and the Bank Merger are collectively referred to in this Quarterly Report on Form 10-Q as the “Merger.” The Merger was accounted for using the acquisition method of accounting and was effectively an all-stock transaction accounted for as a business combination. The Company's financial results for any periods ended on and prior to February 29, 2024 reflect WaFd results only on a standalone basis. As a result, financial results for the third quarter of 2024, and the nine months ended may not be directly comparable to prior reported periods. Refer to Note B - Business Combination for further details. The information included in this Form 10-Q should be read in conjunction with the financial statements and related notes contained in the Company's 2023 Annual Report on Form 10-K filed with the Securities and Exchange Commission ("SEC") on November 17, 2023 for its fiscal year ended September 30, 2023 ("2023 Annual Financial Statements"). Interim results are not necessarily indicative of results for a full year.
Business Combinations	Business Combinations - The Company applies the acquisition method of accounting for business combinations. Under the acquisition method, the acquiring entity recognizes the assets acquired and liabilities assumed at their acquisition date fair values. Management utilizes prevailing valuation techniques appropriate for the asset or liability being measured in determining these fair values. This method often involves estimates based on third party valuations based on discounted cash flow analyses or other valuation techniques, all of which are inherently subjective. Any excess of the purchase price over the fair value of net assets and other identifiable intangible assets acquired is recorded as goodwill. Assets acquired and liabilities assumed from contingencies must also be recognized at fair value if the fair value can be determined during the measurement period. Acquisition-related costs, including conversion and restructuring charges, are expensed as incurred. Fair values are subject to refinement over the measurement period, not to exceed one year after the closing date.
Restricted Cash Balances	Restricted Cash Balances
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. • For 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 investments in certain nonmarketable equity securities investments where the equity method of accounting is not applicable, the Company applies the fair value method. 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. As these investments do not have readily determinable fair values, they 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. This practice is referred to as the measurement alternative. • Equity investments in qualified real estate funds can use the NAV expedient for fair value measurement. Under this method, the net asset value (NAV) determined by the fund is used as fair value for the investment. At June 30, 2024, equity investments held by the Company and recorded at NAV had a carrying amount of $37,057,000 and a remaining unfunded commitment of $3,280,000. These NAV based investments cannot be transferred without consent and we do not have redemption rights except in certain transformational events. Equity investments measured at NAV are not classified in the fair value hierarchy.
Allowance for Credit Losses (Loans Receivable) and Allowance for Credit Losses (Held-to-Maturity Debt Securities)	Allowance for Credit Losses (Loans Receivable) - 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 current expected credit loss methodology (“CECL”) requires an estimate of the credit losses expected over the life of an exposure (or pool of exposures). 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 the majority of the Company's 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. The Company may establish a specific reserve for individually evaluated loans that do not share similar risk characteristics with the loans included in each respective loan pool if management deems it appropriate. If this occurs, these individually evaluated loans are removed from their respective pools and typically represent collateral dependent loans but may also include other non-performing loans. 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. See Note F "Fair Value Measurements" for more information about HTM debt securities. Allowance for Credit Losses (Available-for-Sale Debt Securities)
Accrued Interest Receivable	Accrued Interest Receivable - The Company 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 the Company's 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, as described above.
Non-Accrual and Collateral-Dependent Loans	Non-Accrual Loans - Loans are placed on non-accrual 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 non-accrual status, previously accrued but unpaid interest is deducted from interest income. The Bank 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 Bank 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 being modified, 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. 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. Collateral-Dependent Loans - A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. For all classes of loans and leases deemed collateral-dependent, the Company elected the practical expedient to estimate expected credit losses based on the collateral’s fair value less cost to sell. In most cases, the Company records a partial charge-off to reduce the loan’s carrying value to the collateral’s fair value less cost to sell. Substantially all of the collateral consists of various types of real estate including residential properties; commercial properties such as retail centers, office buildings, and lodging; agriculture land; and vacant land.
Off-balance-sheet exposures	Off-balance-sheet exposures - Off-balance-sheet credit exposures for the Company include unfunded loan commitments and letters of credit from the Federal Home Loan Banks of both Des Moines and San Francisco ("FHLB-DM" and "FHLB-SF", respectively), which are used as collateral for public funds deposits. 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.
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 not amortized but is evaluated for potential impairment on an annual basis and between tests if there are applicable circumstances such as material adverse changes in legal, business, regulatory and economic factors. We have determined our goodwill balance is all related to a single reporting unit and perform a quantitative impairment assessment. An impairment loss is recorded when the carrying amount of goodwill exceeds its implied fair value. If circumstances indicate that the carrying value of the assets may not be recoverable, an impairment charge could be recorded. Other intangible assets are amortized over their estimated lives and are subject to impairment testing when events or circumstances change. The Company performs a goodwill impairment assessment annually and continuously monitors for triggering events and circumstances that could negatively impact the key assumptions in determining the fair value of goodwill. As a result of the Merger, the Company recorded $105,560,000 in goodwill and $37,022,000 in core deposit intangible assets. Additional information on the Merger and purchase price allocation is provided in Note B "Business Combination". The core deposit intangible asset value was determined by an analysis of the cost differential between the core deposits acquired, inclusive of estimated servicing costs, and alternative funding sources for those deposits. The core deposit intangible asset recorded is amortized on an accelerated basis over 6 years. In addition to the effects of the Merger, the Company added a small amount of intangibles during year-to-date fiscal 2024 as the result of acquisitions made by subsidiary WAFD Insurance Group, Inc. No impairment losses separate from the scheduled amortization have been recognized in the periods presented.
Subsequent events	Subsequent events - The Company has evaluated events and transactions through the date the consolidated financial statements were issued for potential recognition or disclosure.
New Accounting Pronouncements	New Accounting Pronouncements - In October 2023, the FASB issued ASU 2023-06 Disclosure Improvements: Codification Amendments In Response to the SEC's Disclosure Update and Simplification Initiative to clarify or improve disclosure and presentation requirements on a variety of topics and align the requirements in the FASB accounting standard codification with the Securities and Exchange Commission regulations. The amendments will be effective for the Company only if the SEC removes the related disclosure requirement from its existing regulations no later than June 30, 2027. If the SEC timely removes such a related requirement from its existing regulations, the corresponding amendments within the ASU will become effective for the Company on the same date with early adoption permitted. The Company does not expect the amendments in this update to have a material impact on our consolidated financial statements. In November 2023, the FASB issued ASU 2023-07, Segment Reporting - Improvements to Reportable Segment Disclosures (Topic 280) to improve reportable segment disclosure requirements through enhanced disclosures about significant segment expenses. The ASU applies to all public entities that are required to report segment information in accordance with ASC 280. For public companies amendments in this ASU are effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024 with early adoption permitted. The Company does not expect this ASU to have a material effect on our consolidated financial statements. In December 2023, the FASB issued ASU 2023-09 , Income Tax - Improvements to Income Tax Disclosures (Topic 740)
Fair Value Measurements	FASB ASC 820, Fair Value Measurement ("ASC 820") defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active exchange markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities, quoted prices in markets that are not active and other inputs that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Company has established and documented the process for determining the fair values of its assets and liabilities, where applicable. Fair value is based on quoted market prices, when available, for identical or similar assets or liabilities. In the absence of quoted market prices, fair value is determined using valuation models or third-party appraisals. The following is a description of the valuation methodologies used to measure and report the fair value of financial assets and liabilities on a recurring or nonrecurring basis. Measured on a Recurring Basis Available-for-Sale Securities, Loans Held for Sale and Derivative Contracts Securities available for sale are recorded at fair value on a recurring basis. The fair value of debt securities are priced using model pricing based on the securities' relationship to other benchmark quoted prices as provided by an independent third party, and under GAAP are considered a Level 2 input method. Securities that are traded on active exchanges are measured using the closing price in an active market and are considered a Level 1 input method. Certain loans acquired in the Merger which have been designated as held for sale were recorded at fair value to be remeasured on a recurring basis until sold. The fair value of these loans is based on observable market data including dealer quotes and bids from third parties. These are considered a Level 2 input method. The Company offers interest rate swaps to its variable rate borrowers who want to manage their interest rate risk. At the same time, the Company enters into the opposite trade with a counter party to offset its interest rate risk. The Company has also entered into commercial loan hedges, mortgage pool hedges and borrowings hedges using interest rate swaps. The fair value of these interest rate swaps are estimated by a third-party pricing service using a discounted cash flow technique. These are considered a Level 2 input method.

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Tables)	9 Months Ended
	Jun. 30, 2024
Accounting Policies [Abstract]
Schedule of Intangible Assets and Goodwill	The table below provides detail regarding the Company's intangible assets. Goodwill Core Deposit and Other Intangibles Total (In thousands) Balance at September 30, 2023 $ 304,750 $ 5,869 $ 310,619 Additions 375 375 750 Amortization — (266) (266) Balance at December 31, 2023 305,125 5,978 311,103 Additions 106,276 37,462 143,738 Amortization — (1,302) (1,302) Balance at March 31, 2024 411,401 42,138 453,539 Additions 812 1,102 1,914 Amortization — (3,198) (3,198) Balance at June 30, 2024 $ 412,213 $ 40,042 $ 452,255
Schedule of Future Amortization Expense	The table below presents the estimated future amortization expense of other intangibles for the next five years as of June 30, 2024. Fiscal Year Expected Expense (In thousands) 2024 $ 5,904 2025 9,856 2026 7,306 2027 5,561 2028 5,200 Thereafter 6,215 Total Intangibles Assets $ 40,042

Business Combination (Tables)

Business Combination (Tables)	9 Months Ended
	Jun. 30, 2024
Business Combination, Asset Acquisition, and Joint Venture Formation [Abstract]
Schedule of Business Acquisition	The purchase price for purposes of the transaction accounting adjustments is calculated based on the number of shares of WaFd stock issued to LBC shareholders and the closing share price on the Merger Date as shown in the following table (amounts in thousands except share and per share data). Number of WaFd shares issued to LBC shareholders 17,089 WaFd market price per share on February 29, 2024 $ 27.24 Purchase price of shares issued to LBC shareholders $ 465,501 Cash in lieu of fractional shares $ 3 Purchase price consideration $ 465,504 The following table shows the impact of merger-related expenses for the three and nine months ended June 30, 2024. Merger-Related Expenses Three Months Ended June 30, 2024 Nine Months Ended June 30, 2024 (in thousands) Severance and employee-related $ 1,400 $ 21,666 Legal and Professional 505 4,487 Charitable contributions — 1,000 System conversion and integration 380 768 $ 2,285 $ 27,921
Schedule of Assets Acquired and Liabilities Assumed	The table below displays the amounts recognized as of the acquisition date for each major class of assets acquired and liabilities assumed: March 1, 2024 (in thousands) Total merger consideration $ 465,504 Fair value of assets acquired Cash and cash equivalents $ 627,403 Investment securities 518,878 Loans receivable 3,116,899 Loans held for sale 3,089,442 Interest receivable 25,697 Premises and equipment 6,436 FHLB stock 35,831 Bank owned life insurance 17,781 Intangible assets 37,022 Deferred tax asset, net 125,452 Other assets 75,645 Total assets acquired $ 7,676,486 Fair value of liabilities assumed Customer accounts $ 5,640,440 Borrowings 1,432,138 Junior subordinated deferrable interest debentures 50,175 Senior Debt 93,514 Accrued expenses and other liabilities 100,275 Total liabilities assumed $ 7,316,542 Net Assets Acquired $ 359,944 Goodwill $ 105,560
Schedule of Financing Receivables Acquired	The following table provides a summary of these PCD loans at acquisition: March 1, 2024 (In thousands) Principal of PCD loans acquired $ 293,204 PCD ACL at acquisition (7,403) Non-credit discount on PCD loans (45,869) Fair value of PCD loans $ 239,932
Schedule of Pro Forma Information	The pro forma amounts below do not reflect the Company's expectations as of the date of the pro forma information of further operating cost savings and other business synergies expected to be achieved, including revenue growth as a result of the Merger. As a result, actual amounts differed from the unaudited pro forma information presented. Unaudited Pro Forma for the June 30, 2024 June 30, 2023 (in thousands) Net-interest income $ 531,398 $ 646,731 Non-interest income $ 47,493 $ 40,965 Net income $ 142,921 $ 238,473

Loans Receivable (Tables)

Loans Receivable (Tables)	9 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Schedule of Loans Receivable	The following table is a summary of loans receivable by loan portfolio segment and class. Loans held for sale of approximately $0.5 billion are excluded from the following tables. June 30, 2024 September 30, 2023 Gross loans by category (In thousands) (In thousands) Commercial loans Multi-family $ 4,616,359 20.5 % $ 2,907,086 14.8 % Commercial real estate 3,781,247 16.8 3,344,959 17.0 Commercial & industrial 2,394,978 10.7 2,321,717 11.8 Construction 2,247,530 10.0 3,318,994 16.9 Land - acquisition & development 195,796 0.9 201,538 1.0 Total commercial loans 13,235,910 58.9 12,094,294 61.6 Consumer loans Single-family residential 8,364,415 37.2 6,451,270 32.8 Construction - custom 414,483 1.9 672,643 3.4 Land - consumer lot loans 112,317 0.5 125,723 0.6 HELOC 255,271 1.1 234,410 1.2 Consumer 84,445 0.4 70,164 0.4 Total consumer loans 9,230,931 41.1 7,554,210 38.4 Total gross loans 22,466,841 100 % 19,648,504 100 % Less: Allowance for credit losses on loans 203,824 177,207 Loans in process 1,094,956 1,895,940 Net deferred fees, costs and discounts 294,142 98,807 Total loan contra accounts 1,592,922 2,171,954 Net loans $ 20,873,919 $ 17,476,550
Non-accrual Loans and Loans 90 Days or More Past Due and Accruing	The following table sets forth the amortized cost basis of non-accrual loans and loans 90 days or more past due and accruing. June 30, 2024 September 30, 2023 (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 $ 9,984 $ — $ — $ 5,127 $ — $ — Commercial real estate 26,408 — — 23,435 — — Commercial & industrial 2,138 — — 6,082 — — Construction 1,120 — — — — Land - acquisition & development 74 — — — — — Total commercial loans 39,724 — — 34,644 — — Consumer loans Single-family residential 20,422 — — 14,918 — — Construction - custom 88 — — 88 — — Land - consumer lot loans 236 — — 9 — — HELOC 758 — — 736 — — Consumer 40 — — 27 — — Total consumer loans 21,544 — — 15,778 — — Total non-accrual loans $ 61,268 $ — $ — $ 50,422 $ — $ — % of total net loans 0.29 % 0.29 %
Loan Delinquencies by Loan Portfolio and Class	The following tables provide details regarding loan delinquencies by loan portfolio and class. June 30, 2024 Days Delinquent Based on $ Amount of Loans % based Type of Loan Loans Receivable (Amortized Cost) Current 30 60 90 Total Delinquent (In thousands, except ratio data) Commercial Loans Multi-family $ 4,513,323 $ 4,506,711 $ — $ 2,651 $ 3,961 $ 6,612 0.15 % Commercial real estate 3,746,945 3,746,356 — 589 — 589 0.02 Commercial & industrial 2,389,236 2,387,098 — — 2,138 2,138 0.09 Construction 1,440,152 1,439,032 — 360 760 1,120 0.08 Land - acquisition & development 156,424 156,350 — — 74 74 0.05 Total commercial loans 12,246,080 12,235,547 — 3,600 6,933 10,533 0.09 Consumer Loans Single-family residential 8,186,361 8,154,250 10,925 4,937 16,249 32,111 0.39 Construction - custom 190,433 189,585 760 — 88 848 0.45 Land - consumer lot loans 111,574 110,871 254 213 236 703 0.63 HELOC 258,833 256,582 1,366 178 707 2,251 0.87 Consumer 84,462 84,187 127 108 40 275 0.33 Total consumer loans 8,831,663 8,795,475 13,432 5,436 17,320 36,188 0.41 Total Loans $ 21,077,743 $ 21,031,022 $ 13,432 $ 9,036 $ 24,253 $ 46,721 0.22 % Delinquency % 99.78% 0.06% 0.04% 0.12% 0.22% September 30, 2023 Days Delinquent Based on $ Amount of Loans % based Type of Loan Loans Receivable (Amortized Cost) Current 30 60 90 Total Delinquent (In thousands, except ratio data) Commercial Loans Multi-family $ 2,886,594 $ 2,886,462 $ — $ — $ 132 $ 132 — % Commercial real estate 3,310,101 3,285,673 848 145 23,435 24,428 0.74 Commercial & industrial 2,315,318 2,307,020 30 2,186 6,082 8,298 0.36 Construction 1,838,936 1,838,936 — — — — — Land - acquisition & development 156,661 156,661 — — — — — Total commercial loans 10,507,610 10,474,752 878 2,331 29,649 32,858 0.31 Consumer Loans Single-family residential 6,388,990 6,365,065 6,441 6,068 11,416 23,925 0.37 Construction - custom 324,451 320,987 760 2,617 87 3,464 1.07 Land - consumer lot loans 124,842 124,231 358 245 8 611 0.49 HELOC 237,754 235,708 1,050 314 682 2,046 0.86 Consumer 70,110 69,699 228 107 76 411 0.59 Total consumer loans 7,146,147 7,115,690 8,837 9,351 12,269 30,457 0.43 Total Loans $ 17,653,757 $ 17,590,442 $ 9,715 $ 11,682 $ 41,918 $ 63,315 0.36 % Delinquency % 99.64% 0.06% 0.07% 0.24% 0.36%
Schedule of Loan Modifications	The following table presents the amortized basis of loans that were modified to borrowers experiencing financial difficulty during the period by loan class and modification type. All such modifications during the quarter were term extensions. Three Months Ended June 30, 2024 Loan Class Term Extension % of Total Loan Class Balance Wtd. Avg. ( in thousands) (in months) Commercial real estate $ 23,435 0.63 % 36 Commercial & industrial 24,233 1.01 9 Total commercial loans 47,668 0.20 Single-family residential 563 0.01 6 Total consumer loans 563 0.01 Total Loans $ 48,231 0.23 % Nine Months Ended June 30, 2024 Loan Class Term Extension % of Total Loan Class Balance Wtd. Avg. ( in thousands) (in months) Commercial real estate $ 23,502 0.63 % 36 Commercial & industrial 56,891 2.38 8 Construction 13,153 0.91 15 Total commercial loans 93,546 0.76 Single-family residential 563 0.01 6 Total commercial loans 563 0.01 % Total Loans $ 94,109 0.45 %
Schedule of Loans Based on Credit Quality Indicators	The following tables present by primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of June 30, 2024 and September 30, 2023. There were no commercial loans classified as Doubtful or Loss as of either date. June 30, 2024 Term Loans Amortized Cost Basis by Origination Year YTD 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 75,580 $ 187,791 $ 1,528,403 $ 1,184,931 $ 589,557 $ 742,732 $ 31,628 $ 17,119 $ 4,357,741 Special Mention — — 92,856 2,667 — 4,256 — — 99,779 Substandard — — 6,928 5,876 6,696 36,303 — — 55,803 Total $ 75,580 $ 187,791 $ 1,628,187 $ 1,193,474 $ 596,253 $ 783,291 $ 31,628 $ 17,119 $ 4,513,323 Commercial real estate Pass $ 173,108 $ 245,719 $ 1,114,426 $ 726,381 $ 481,590 $ 839,432 $ 16,509 $ — $ 3,597,165 Special Mention — — 2,870 23,090 — 16,246 — — 42,206 Substandard — 498 8,868 2,260 30,652 65,296 — — 107,574 Total $ 173,108 $ 246,217 $ 1,126,164 $ 751,731 $ 512,242 $ 920,974 $ 16,509 $ — $ 3,746,945 Gross Charge-offs — — — — — 203 — 203 Commercial & industrial Pass $ 33,674 $ 154,481 $ 230,569 $ 289,491 $ 92,965 $ 167,152 $ 1,145,709 $ 2,037 $ 2,116,078 Special Mention — 14,565 9,696 1,445 11,280 239 53,157 — 90,382 Substandard — 2,009 45,401 1,565 2,586 47,741 83,473 1 182,776 Total $ 33,674 $ 171,055 $ 285,666 $ 292,501 $ 106,831 $ 215,132 $ 1,282,339 $ 2,038 $ 2,389,236 Gross Charge-offs — — — 10 — 31 2,331 101 2,473 Construction Pass $ 95,296 $ 391,954 $ 589,236 $ 262,828 $ — $ — $ 72,788 $ — $ 1,412,102 Special Mention — 8,093 — 3,096 — — — — 11,189 Substandard 787 2,161 760 13,153 — — — — 16,861 Total $ 96,083 $ 402,208 $ 589,996 $ 279,077 $ — $ — $ 72,788 $ — $ 1,440,152 Land - acquisition & development Pass $ 13,847 $ 14,374 $ 57,384 $ 46,802 $ 5,344 $ 18,260 $ — $ — $ 156,011 Special Mention — — — — — 339 — — 339 Substandard — — — — 74 — — — 74 Total $ 13,847 $ 14,374 $ 57,384 $ 46,802 $ 5,418 $ 18,599 $ — $ — $ 156,424 Gross Charge-offs — — — — — 18 — — 18 Total commercial loans Pass $ 391,505 $ 994,319 $ 3,520,018 $ 2,510,433 $ 1,169,456 $ 1,767,576 $ 1,266,634 $ 19,156 $ 11,639,097 Special Mention — 22,658 105,422 30,298 11,280 21,080 53,157 — 243,895 Substandard 787 4,668 61,957 22,854 40,008 149,340 83,473 1 363,088 Total $ 392,292 $ 1,021,645 $ 3,687,397 $ 2,563,585 $ 1,220,744 $ 1,937,996 $ 1,403,264 $ 19,157 $ 12,246,080 Gross Charge-offs $ — $ — $ — $ 10 $ — $ 252 $ 2,331 $ 101 $ 2,694 June 30, 2024 Term Loans Amortized Cost Basis by Origination Year YTD 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 224,535 $ 757,335 $ 2,268,859 $ 2,099,611 $ 824,073 $ 1,979,837 $ — $ — $ 8,154,250 30 days past due — 1,312 1,812 1,616 — 6,185 — — 10,925 60 days past due — — 1,432 1,203 263 2,039 — — 4,937 90+ days past due — 820 3,494 2,575 453 8,907 — — 16,249 Total $ 224,535 $ 759,467 $ 2,275,597 $ 2,105,005 $ 824,789 $ 1,996,968 $ — $ — $ 8,186,361 Gross Charge-offs — — 13 — — 131 — — 144 Construction - custom Current $ 26,660 $ 126,878 $ 33,910 $ 1,779 $ — $ 358 $ — $ — $ 189,585 30 days past due — — 760 — — — — — 760 90+ days past due — — 88 — — — — — 88 Total $ 26,660 $ 126,878 $ 34,758 $ 1,779 $ — $ 358 $ — $ — $ 190,433 Land - consumer lot loans Current $ 13,385 $ 16,245 $ 32,007 $ 25,124 $ 9,747 $ 14,363 $ — $ — $ 110,871 30 days past due — — 182 72 — — — — 254 60 days past due — — — 213 — — — — 213 90+ days past due — — 105 131 — — — — 236 Total $ 13,385 $ 16,245 $ 32,294 $ 25,540 $ 9,747 $ 14,363 $ — $ — $ 111,574 HELOC Current $ — $ — $ — $ — $ — $ 4,502 $ 251,116 $ 964 $ 256,582 30 days past due — — — — — 297 1,069 — 1,366 60 days past due — — — — — 178 — — 178 90+ days past due — — — — — — 707 — 707 Total $ — $ — $ — $ — $ — $ 4,977 $ 252,892 $ 964 $ 258,833 Consumer Current $ 1,037 $ 56 $ 1 $ 9,493 $ 7,994 $ 19,382 $ 46,224 $ — $ 84,187 30 days past due — — — — — 127 — — 127 60 days past due — — — — — 102 6 — 108 90+ days past due — — — — — 31 9 — 40 Total $ 1,037 $ 56 $ 1 $ 9,493 $ 7,994 $ 19,642 $ 46,239 $ — $ 84,462 Gross Charge-offs — — — — — 118 379 16 513 Total consumer loans Current $ 265,617 $ 900,514 $ 2,334,777 $ 2,136,007 $ 841,814 $ 2,018,442 $ 297,340 $ 964 $ 8,795,475 30 days past due — 1,312 2,754 1,688 — 6,609 1,069 — 13,432 60 days past due — — 1,432 1,416 263 2,319 6 — 5,436 90+ days past due — 820 3,687 2,706 453 8,938 716 — 17,320 Total past due — 2,132 7,873 5,810 716 17,866 1,791 — 36,188 Total $ 265,617 $ 902,646 $ 2,342,650 $ 2,141,817 $ 842,530 $ 2,036,308 $ 299,131 $ 964 $ 8,831,663 Gross Charge-offs $ — $ — $ 13 $ — $ — $ 249 $ 379 $ 16 $ 657 September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 135,859 $ 658,126 $ 850,998 $ 541,655 $ 135,965 $ 400,412 $ 49,523 $ — $ 2,772,538 Special Mention — 90,428 — — — — — — 90,428 Substandard — 5,711 2,309 2,422 7,583 5,603 — — 23,628 Total $ 135,859 $ 754,265 $ 853,307 $ 544,077 $ 143,548 $ 406,015 $ 49,523 $ — $ 2,886,594 Commercial real estate Pass $ 221,057 $ 912,776 $ 735,069 $ 476,941 $ 262,945 $ 596,459 $ 2,349 $ — $ 3,207,596 Special Mention — — 788 — 4,059 — — — 4,847 Substandard 499 5,361 3,810 24,538 27,916 35,534 — — 97,658 Total $ 221,556 $ 918,137 $ 739,667 $ 501,479 $ 294,920 $ 631,993 $ 2,349 $ — $ 3,310,101 Commercial & industrial Pass $ 155,411 $ 258,798 $ 316,713 $ 117,089 $ 24,246 $ 175,042 $ 1,089,896 $ 27,681 $ 2,164,876 Special Mention — — — — 2,940 — 3,707 — 6,647 Substandard — 5,532 8,537 2,783 3,819 46,297 69,948 6,879 143,795 Total $ 155,411 $ 264,330 $ 325,250 $ 119,872 $ 31,005 $ 221,339 $ 1,163,551 $ 34,560 $ 2,315,318 Construction Pass $ 235,150 $ 833,577 $ 559,850 $ 68,105 $ 46,390 $ 373 $ 74,821 $ — $ 1,818,266 Substandard 2,901 5,119 12,650 — — — — — 20,670 Total $ 238,051 $ 838,696 $ 572,500 $ 68,105 $ 46,390 $ 373 $ 74,821 $ — $ 1,838,936 Land - acquisition & development Pass $ 20,593 $ 69,414 $ 39,276 $ 6,280 $ 351 $ 17,876 $ 2,600 $ — $ 156,390 Substandard — 271 — — — — — — 271 Total $ 20,593 $ 69,685 $ 39,276 $ 6,280 $ 351 $ 17,876 $ 2,600 $ — $ 156,661 Total commercial loans Pass $ 768,070 $ 2,732,691 $ 2,501,906 $ 1,210,070 $ 469,897 $ 1,190,162 $ 1,219,189 $ 27,681 $ 10,119,666 Special Mention — 90,428 788 — 6,999 — 3,707 — 101,922 Substandard 3,400 21,994 27,306 29,743 39,318 87,434 69,948 6,879 286,022 Total $ 771,470 $ 2,845,113 $ 2,530,000 $ 1,239,813 $ 516,214 $ 1,277,596 $ 1,292,844 $ 34,560 $ 10,507,610 September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 513,007 $ 1,478,479 $ 1,719,163 $ 718,250 $ 295,836 $ 1,640,330 $ — $ — $ 6,365,065 30 days past due 822 115 859 392 221 4,032 — — 6,441 60 days past due — 1,526 1,420 1,325 — 1,797 — — 6,068 90+ days past due — 1,470 666 1,408 — 7,872 — — 11,416 Total $ 513,829 $ 1,481,590 $ 1,722,108 $ 721,375 $ 296,057 $ 1,654,031 $ — $ — $ 6,388,990 Construction - custom Current $ 92,081 $ 218,988 $ 8,838 $ 243 $ 358 $ 479 $ — $ — $ 320,987 30 days past due — 760 — — — — — — 760 60 days past due — — — 2,617 — — — — 2,617 90+ days past due — 87 — — — — — — 87 Total $ 92,081 $ 219,835 $ 8,838 $ 2,860 $ 358 $ 479 $ — $ — $ 324,451 Land - consumer lot loans Current $ 19,128 $ 41,658 $ 35,048 $ 11,517 $ 4,166 $ 12,714 $ — $ — $ 124,231 30 days past due — — 358 — — — — — 358 60 days past due — — 245 — — — — — 245 90+ days past due — — — — — 8 — — 8 Total $ 19,128 $ 41,658 $ 35,651 $ 11,517 $ 4,166 $ 12,722 $ — $ — $ 124,842 HELOC Current $ — $ — $ — $ — $ — $ 3,733 $ 230,338 $ 1,637 $ 235,708 30 days past due — — — — — 44 1,006 — 1,050 60 days past due — — — — — 314 — — 314 90+ days past due — — — — — — 682 — 682 Total $ — $ — $ — $ — $ — $ 4,091 $ 232,026 $ 1,637 $ 237,754 Consumer Current $ 662 $ 121 $ 9,748 $ 8,006 $ 16 $ 23,201 $ 27,945 $ — $ 69,699 30 days past due — — — — — 225 3 — 228 60 days past due — — — — — 106 1 — 107 90+ days past due — — — — 29 46 — 1 76 Total $ 662 $ 121 $ 9,748 $ 8,006 $ 45 $ 23,578 $ 27,949 $ 1 $ 70,110 Total consumer loans Current $ 624,878 $ 1,739,246 $ 1,772,797 $ 738,016 $ 300,376 $ 1,680,457 $ 258,283 $ 1,637 $ 7,115,690 30 days past due 822 875 1,217 392 221 4,301 1,009 — 8,837 60 days past due — 1,526 1,665 3,942 — 2,217 1 — 9,351 90+ days past due — 1,557 666 1,408 29 7,926 682 1 12,269 Total $ 625,700 $ 1,743,204 $ 1,776,345 $ 743,758 $ 300,626 $ 1,694,901 $ 259,975 $ 1,638 $ 7,146,147 The following tables provide the amortized cost of loans receivable based on risk rating categories as previously defined. June 30, 2024 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total (In thousands, except ratio data) Loan type Commercial loans Multi-family $ 4,357,741 $ 99,779 $ 55,803 $ — $ — $ 4,513,323 Commercial real estate 3,597,165 42,206 107,574 — — 3,746,945 Commercial & industrial 2,116,078 90,382 182,776 — — 2,389,236 Construction 1,412,102 11,189 16,861 — — 1,440,152 Land - acquisition & development 156,011 339 74 — — 156,424 Total commercial loans 11,639,097 243,895 363,088 — — 12,246,080 Consumer loans Single-family residential 8,165,936 — 20,425 — — 8,186,361 Construction - custom 190,345 — 88 — — 190,433 Land - consumer lot loans 111,125 — 449 — — 111,574 HELOC 258,075 — 758 — — 258,833 Consumer 84,441 — 21 — — 84,462 Total consumer loans 8,809,922 — 21,741 — — 8,831,663 Total $ 20,449,019 $ 243,895 $ 384,829 $ — $ — $ 21,077,743 Total grade as a % of total loans 97.02 % 1.16 % 1.84 % — % — % September 30, 2023 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Commercial loans Multi-family $ 2,772,538 $ 90,428 $ 23,628 $ — $ — $ 2,886,594 Commercial real estate 3,207,596 4,847 97,658 — — 3,310,101 Commercial & industrial 2,164,876 6,647 143,795 — — 2,315,318 Construction 1,818,266 — 20,670 — — 1,838,936 Land - acquisition & development 156,390 — 271 — — 156,661 Total commercial loans 10,119,666 101,922 286,022 — — 10,507,610 Consumer loans Single-family residential 6,370,936 — 18,054 — — 6,388,990 Construction - custom 324,363 — 88 — — 324,451 Land - consumer lot loans 124,588 — 254 — — 124,842 HELOC 237,018 — 736 — — 237,754 Consumer 70,098 — 12 — — 70,110 Total consumer loans 7,127,003 — 19,144 — — 7,146,147 Total loans $ 17,246,669 $ 101,922 $ 305,166 $ — $ — $ 17,653,757 Total grade as a % of total gross loans 97.69 % 0.58 % 1.73 % — % — % The following tables provide information on the amortized cost of loans receivable based on borrower payment activity. June 30, 2024 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Commercial loans Multi-family $ 4,503,339 99.8 % $ 9,984 0.2 % Commercial real estate 3,720,537 99.3 26,408 0.7 Commercial & industrial 2,387,098 99.9 2,138 0.1 Construction 1,439,032 99.9 1,120 0.1 Land - acquisition & development 156,350 100.0 74 — Total commercial loans 12,206,356 99.7 39,724 0.3 Consumer loans Single-family residential 8,165,939 99.8 20,422 0.2 Construction - custom 190,345 100.0 88 — Land - consumer lot loans 111,338 99.8 236 0.2 HELOC 258,075 99.7 758 0.3 Consumer 84,422 100.0 40 0.0 Total consumer loans 8,810,119 99.8 21,544 0.2 Total loans $ 21,016,475 99.7 % $ 61,268 0.3 % September 30, 2023 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Commercial loans Multi-family $ 2,881,467 99.8 % $ 5,127 0.2 % Commercial real estate 3,286,666 99.3 23,435 0.7 Commercial & industrial 2,309,236 99.7 6,082 0.3 Construction 1,838,936 100.0 — — Land - acquisition & development 156,661 100.0 — — Total commercial loans 10,472,966 99.7 34,644 0.3 Consumer loans Single-family residential 6,374,072 99.8 14,918 0.2 Construction - custom 324,363 100.0 88 — Land - consumer lot loans 124,833 100.0 9 — HELOC 237,018 99.7 736 0.3 Consumer 70,083 100.0 27 0.0 Total consumer loans 7,130,369 99.8 15,778 0.2 Total loans $ 17,603,335 99.7 % $ 50,422 0.3 %

Allowance for Losses on Loans (

Allowance for Losses on Loans (Tables)	9 Months Ended
	Jun. 30, 2024
Receivables [Abstract]
Schedule of Allowance for Credit Losses by Loan Portfolio Segment and Class	The following tables summarize the activity in the allowance for loan losses by loan portfolio segment and class. Three Months Ended June 30, 2024 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 21,979 $ — $ — $ 3,220 $ 25,199 Commercial real estate 32,991 (203) 2 6,966 39,756 Commercial & industrial 59,261 (2,346) 1,003 (85) 57,833 Construction 27,317 — — (4,610) 22,707 Land - acquisition & development 7,865 — 17 (182) 7,700 Total commercial loans 149,413 (2,549) 1,022 5,309 153,195 Consumer loans Single-family residential 41,054 (13) 118 (843) 40,316 Construction - custom 1,918 — — (424) 1,494 Land - consumer lot loans 3,214 — 2 (568) 2,648 HELOC 2,974 — 1 (51) 2,924 Consumer 3,004 (151) 317 77 3,247 Total consumer loans 52,164 (164) 438 (1,809) 50,629 Total ACL - loans $ 201,577 $ (2,713) $ 1,460 $ 3,500 $ 203,824 1 Provision & transfer amounts within the table do not reflect a provision recapture from unfunded commitments of $2,000,000. Three Months Ended June 30, 2023 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 13,038 $ — $ — $ (62) $ 12,976 Commercial real estate 27,803 — — 329 28,132 Commercial & industrial 63,301 (10,469) 10 9,073 61,915 Construction 26,027 — — 1,889 27,916 Land - acquisition & development 7,496 — 24 (274) 7,246 Total commercial loans 137,665 (10,469) 34 10,955 138,185 Consumer loans Single-family residential 26,916 — 18 149 27,083 Construction - custom 3,456 — — (235) 3,221 Land - consumer lot loans 3,945 — 9 (184) 3,770 HELOC 2,662 — — 81 2,743 Consumer 2,776 (74) 131 234 3,067 Total consumer loans 39,755 (74) 158 45 39,884 Total loans $ 177,420 $ (10,543) $ 192 $ 11,000 $ 178,069 1 Provision & transfer amounts within the table do not reflect a provision recapture from unfunded commitments of $2,000,000. Nine Months Ended June 30, 2024 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 13,155 $ — $ — $ 12,044 $ 25,199 Commercial real estate 28,842 (203) 4 11,113 39,756 Commercial & industrial 58,773 (2,473) 1,067 466 57,833 Construction 29,408 — — (6,701) 22,707 Land - acquisition & development 7,016 (18) 88 614 7,700 Total commercial loans 137,194 (2,694) 1,159 17,536 153,195 Consumer loans Single-family residential 28,029 (144) 293 12,138 40,316 Construction - custom 2,781 — — (1,287) 1,494 Land - consumer lot loans 3,512 — 57 (921) 2,648 HELOC 2,859 — 3 62 2,924 Consumer 2,832 (513) 553 375 3,247 Total consumer loans 40,013 (657) 906 10,367 50,629 Total ACL - loans $ 177,207 $ (3,351) $ 2,065 $ 27,903 $ 203,824 1 Provision & transfer amounts within the table include the $16,000,000 initial provision related to non-PCD loans acquired during the quarter and the $7,403,000 PCD ACL amount included in the Merger purchase price allocation but do not reflect a provision recapture from unfunded commitments of $3,000,000. Nine Months Ended June 30, 2023 Beginning Allowance Charge-offs Recoveries Provision & Transfers 1 Ending Allowance (In thousands) Commercial loans Multi-family $ 12,013 $ — $ — $ 963 $ 12,976 Commercial real estate 25,814 — 5 2,313 28,132 Commercial & industrial 57,210 (16,605) 84 21,226 61,915 Construction 26,161 — — 1,755 27,916 Land - acquisition & development 12,278 — 54 (5,086) 7,246 Total commercial loans 133,476 (16,605) 143 21,171 138,185 Consumer loans Single-family residential 25,518 (34) 552 1,047 27,083 Construction - custom 3,410 — — (189) 3,221 Land - consumer lot loans 5,047 — 14 (1,291) 3,770 HELOC 2,482 — 1 260 2,743 Consumer 2,875 (258) 448 2 3,067 Total consumer loans 39,332 (292) 1,015 (171) 39,884 Total loans $ 172,808 $ (16,897) $ 1,158 $ 21,000 $ 178,069 1 Provision & transfer amounts within the table do not reflect a provision recapture from unfunded commitments of $6,000,000.
Schedule of Loans Based on Credit Quality Indicators	The following tables present by primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of June 30, 2024 and September 30, 2023. There were no commercial loans classified as Doubtful or Loss as of either date. June 30, 2024 Term Loans Amortized Cost Basis by Origination Year YTD 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 75,580 $ 187,791 $ 1,528,403 $ 1,184,931 $ 589,557 $ 742,732 $ 31,628 $ 17,119 $ 4,357,741 Special Mention — — 92,856 2,667 — 4,256 — — 99,779 Substandard — — 6,928 5,876 6,696 36,303 — — 55,803 Total $ 75,580 $ 187,791 $ 1,628,187 $ 1,193,474 $ 596,253 $ 783,291 $ 31,628 $ 17,119 $ 4,513,323 Commercial real estate Pass $ 173,108 $ 245,719 $ 1,114,426 $ 726,381 $ 481,590 $ 839,432 $ 16,509 $ — $ 3,597,165 Special Mention — — 2,870 23,090 — 16,246 — — 42,206 Substandard — 498 8,868 2,260 30,652 65,296 — — 107,574 Total $ 173,108 $ 246,217 $ 1,126,164 $ 751,731 $ 512,242 $ 920,974 $ 16,509 $ — $ 3,746,945 Gross Charge-offs — — — — — 203 — 203 Commercial & industrial Pass $ 33,674 $ 154,481 $ 230,569 $ 289,491 $ 92,965 $ 167,152 $ 1,145,709 $ 2,037 $ 2,116,078 Special Mention — 14,565 9,696 1,445 11,280 239 53,157 — 90,382 Substandard — 2,009 45,401 1,565 2,586 47,741 83,473 1 182,776 Total $ 33,674 $ 171,055 $ 285,666 $ 292,501 $ 106,831 $ 215,132 $ 1,282,339 $ 2,038 $ 2,389,236 Gross Charge-offs — — — 10 — 31 2,331 101 2,473 Construction Pass $ 95,296 $ 391,954 $ 589,236 $ 262,828 $ — $ — $ 72,788 $ — $ 1,412,102 Special Mention — 8,093 — 3,096 — — — — 11,189 Substandard 787 2,161 760 13,153 — — — — 16,861 Total $ 96,083 $ 402,208 $ 589,996 $ 279,077 $ — $ — $ 72,788 $ — $ 1,440,152 Land - acquisition & development Pass $ 13,847 $ 14,374 $ 57,384 $ 46,802 $ 5,344 $ 18,260 $ — $ — $ 156,011 Special Mention — — — — — 339 — — 339 Substandard — — — — 74 — — — 74 Total $ 13,847 $ 14,374 $ 57,384 $ 46,802 $ 5,418 $ 18,599 $ — $ — $ 156,424 Gross Charge-offs — — — — — 18 — — 18 Total commercial loans Pass $ 391,505 $ 994,319 $ 3,520,018 $ 2,510,433 $ 1,169,456 $ 1,767,576 $ 1,266,634 $ 19,156 $ 11,639,097 Special Mention — 22,658 105,422 30,298 11,280 21,080 53,157 — 243,895 Substandard 787 4,668 61,957 22,854 40,008 149,340 83,473 1 363,088 Total $ 392,292 $ 1,021,645 $ 3,687,397 $ 2,563,585 $ 1,220,744 $ 1,937,996 $ 1,403,264 $ 19,157 $ 12,246,080 Gross Charge-offs $ — $ — $ — $ 10 $ — $ 252 $ 2,331 $ 101 $ 2,694 June 30, 2024 Term Loans Amortized Cost Basis by Origination Year YTD 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 224,535 $ 757,335 $ 2,268,859 $ 2,099,611 $ 824,073 $ 1,979,837 $ — $ — $ 8,154,250 30 days past due — 1,312 1,812 1,616 — 6,185 — — 10,925 60 days past due — — 1,432 1,203 263 2,039 — — 4,937 90+ days past due — 820 3,494 2,575 453 8,907 — — 16,249 Total $ 224,535 $ 759,467 $ 2,275,597 $ 2,105,005 $ 824,789 $ 1,996,968 $ — $ — $ 8,186,361 Gross Charge-offs — — 13 — — 131 — — 144 Construction - custom Current $ 26,660 $ 126,878 $ 33,910 $ 1,779 $ — $ 358 $ — $ — $ 189,585 30 days past due — — 760 — — — — — 760 90+ days past due — — 88 — — — — — 88 Total $ 26,660 $ 126,878 $ 34,758 $ 1,779 $ — $ 358 $ — $ — $ 190,433 Land - consumer lot loans Current $ 13,385 $ 16,245 $ 32,007 $ 25,124 $ 9,747 $ 14,363 $ — $ — $ 110,871 30 days past due — — 182 72 — — — — 254 60 days past due — — — 213 — — — — 213 90+ days past due — — 105 131 — — — — 236 Total $ 13,385 $ 16,245 $ 32,294 $ 25,540 $ 9,747 $ 14,363 $ — $ — $ 111,574 HELOC Current $ — $ — $ — $ — $ — $ 4,502 $ 251,116 $ 964 $ 256,582 30 days past due — — — — — 297 1,069 — 1,366 60 days past due — — — — — 178 — — 178 90+ days past due — — — — — — 707 — 707 Total $ — $ — $ — $ — $ — $ 4,977 $ 252,892 $ 964 $ 258,833 Consumer Current $ 1,037 $ 56 $ 1 $ 9,493 $ 7,994 $ 19,382 $ 46,224 $ — $ 84,187 30 days past due — — — — — 127 — — 127 60 days past due — — — — — 102 6 — 108 90+ days past due — — — — — 31 9 — 40 Total $ 1,037 $ 56 $ 1 $ 9,493 $ 7,994 $ 19,642 $ 46,239 $ — $ 84,462 Gross Charge-offs — — — — — 118 379 16 513 Total consumer loans Current $ 265,617 $ 900,514 $ 2,334,777 $ 2,136,007 $ 841,814 $ 2,018,442 $ 297,340 $ 964 $ 8,795,475 30 days past due — 1,312 2,754 1,688 — 6,609 1,069 — 13,432 60 days past due — — 1,432 1,416 263 2,319 6 — 5,436 90+ days past due — 820 3,687 2,706 453 8,938 716 — 17,320 Total past due — 2,132 7,873 5,810 716 17,866 1,791 — 36,188 Total $ 265,617 $ 902,646 $ 2,342,650 $ 2,141,817 $ 842,530 $ 2,036,308 $ 299,131 $ 964 $ 8,831,663 Gross Charge-offs $ — $ — $ 13 $ — $ — $ 249 $ 379 $ 16 $ 657 September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Revolving to Term Loans Total Loans Commercial loans Multi-family Pass $ 135,859 $ 658,126 $ 850,998 $ 541,655 $ 135,965 $ 400,412 $ 49,523 $ — $ 2,772,538 Special Mention — 90,428 — — — — — — 90,428 Substandard — 5,711 2,309 2,422 7,583 5,603 — — 23,628 Total $ 135,859 $ 754,265 $ 853,307 $ 544,077 $ 143,548 $ 406,015 $ 49,523 $ — $ 2,886,594 Commercial real estate Pass $ 221,057 $ 912,776 $ 735,069 $ 476,941 $ 262,945 $ 596,459 $ 2,349 $ — $ 3,207,596 Special Mention — — 788 — 4,059 — — — 4,847 Substandard 499 5,361 3,810 24,538 27,916 35,534 — — 97,658 Total $ 221,556 $ 918,137 $ 739,667 $ 501,479 $ 294,920 $ 631,993 $ 2,349 $ — $ 3,310,101 Commercial & industrial Pass $ 155,411 $ 258,798 $ 316,713 $ 117,089 $ 24,246 $ 175,042 $ 1,089,896 $ 27,681 $ 2,164,876 Special Mention — — — — 2,940 — 3,707 — 6,647 Substandard — 5,532 8,537 2,783 3,819 46,297 69,948 6,879 143,795 Total $ 155,411 $ 264,330 $ 325,250 $ 119,872 $ 31,005 $ 221,339 $ 1,163,551 $ 34,560 $ 2,315,318 Construction Pass $ 235,150 $ 833,577 $ 559,850 $ 68,105 $ 46,390 $ 373 $ 74,821 $ — $ 1,818,266 Substandard 2,901 5,119 12,650 — — — — — 20,670 Total $ 238,051 $ 838,696 $ 572,500 $ 68,105 $ 46,390 $ 373 $ 74,821 $ — $ 1,838,936 Land - acquisition & development Pass $ 20,593 $ 69,414 $ 39,276 $ 6,280 $ 351 $ 17,876 $ 2,600 $ — $ 156,390 Substandard — 271 — — — — — — 271 Total $ 20,593 $ 69,685 $ 39,276 $ 6,280 $ 351 $ 17,876 $ 2,600 $ — $ 156,661 Total commercial loans Pass $ 768,070 $ 2,732,691 $ 2,501,906 $ 1,210,070 $ 469,897 $ 1,190,162 $ 1,219,189 $ 27,681 $ 10,119,666 Special Mention — 90,428 788 — 6,999 — 3,707 — 101,922 Substandard 3,400 21,994 27,306 29,743 39,318 87,434 69,948 6,879 286,022 Total $ 771,470 $ 2,845,113 $ 2,530,000 $ 1,239,813 $ 516,214 $ 1,277,596 $ 1,292,844 $ 34,560 $ 10,507,610 September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Revolving to Term Loans Total Loans Consumer loans Single-family residential Current $ 513,007 $ 1,478,479 $ 1,719,163 $ 718,250 $ 295,836 $ 1,640,330 $ — $ — $ 6,365,065 30 days past due 822 115 859 392 221 4,032 — — 6,441 60 days past due — 1,526 1,420 1,325 — 1,797 — — 6,068 90+ days past due — 1,470 666 1,408 — 7,872 — — 11,416 Total $ 513,829 $ 1,481,590 $ 1,722,108 $ 721,375 $ 296,057 $ 1,654,031 $ — $ — $ 6,388,990 Construction - custom Current $ 92,081 $ 218,988 $ 8,838 $ 243 $ 358 $ 479 $ — $ — $ 320,987 30 days past due — 760 — — — — — — 760 60 days past due — — — 2,617 — — — — 2,617 90+ days past due — 87 — — — — — — 87 Total $ 92,081 $ 219,835 $ 8,838 $ 2,860 $ 358 $ 479 $ — $ — $ 324,451 Land - consumer lot loans Current $ 19,128 $ 41,658 $ 35,048 $ 11,517 $ 4,166 $ 12,714 $ — $ — $ 124,231 30 days past due — — 358 — — — — — 358 60 days past due — — 245 — — — — — 245 90+ days past due — — — — — 8 — — 8 Total $ 19,128 $ 41,658 $ 35,651 $ 11,517 $ 4,166 $ 12,722 $ — $ — $ 124,842 HELOC Current $ — $ — $ — $ — $ — $ 3,733 $ 230,338 $ 1,637 $ 235,708 30 days past due — — — — — 44 1,006 — 1,050 60 days past due — — — — — 314 — — 314 90+ days past due — — — — — — 682 — 682 Total $ — $ — $ — $ — $ — $ 4,091 $ 232,026 $ 1,637 $ 237,754 Consumer Current $ 662 $ 121 $ 9,748 $ 8,006 $ 16 $ 23,201 $ 27,945 $ — $ 69,699 30 days past due — — — — — 225 3 — 228 60 days past due — — — — — 106 1 — 107 90+ days past due — — — — 29 46 — 1 76 Total $ 662 $ 121 $ 9,748 $ 8,006 $ 45 $ 23,578 $ 27,949 $ 1 $ 70,110 Total consumer loans Current $ 624,878 $ 1,739,246 $ 1,772,797 $ 738,016 $ 300,376 $ 1,680,457 $ 258,283 $ 1,637 $ 7,115,690 30 days past due 822 875 1,217 392 221 4,301 1,009 — 8,837 60 days past due — 1,526 1,665 3,942 — 2,217 1 — 9,351 90+ days past due — 1,557 666 1,408 29 7,926 682 1 12,269 Total $ 625,700 $ 1,743,204 $ 1,776,345 $ 743,758 $ 300,626 $ 1,694,901 $ 259,975 $ 1,638 $ 7,146,147 The following tables provide the amortized cost of loans receivable based on risk rating categories as previously defined. June 30, 2024 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total (In thousands, except ratio data) Loan type Commercial loans Multi-family $ 4,357,741 $ 99,779 $ 55,803 $ — $ — $ 4,513,323 Commercial real estate 3,597,165 42,206 107,574 — — 3,746,945 Commercial & industrial 2,116,078 90,382 182,776 — — 2,389,236 Construction 1,412,102 11,189 16,861 — — 1,440,152 Land - acquisition & development 156,011 339 74 — — 156,424 Total commercial loans 11,639,097 243,895 363,088 — — 12,246,080 Consumer loans Single-family residential 8,165,936 — 20,425 — — 8,186,361 Construction - custom 190,345 — 88 — — 190,433 Land - consumer lot loans 111,125 — 449 — — 111,574 HELOC 258,075 — 758 — — 258,833 Consumer 84,441 — 21 — — 84,462 Total consumer loans 8,809,922 — 21,741 — — 8,831,663 Total $ 20,449,019 $ 243,895 $ 384,829 $ — $ — $ 21,077,743 Total grade as a % of total loans 97.02 % 1.16 % 1.84 % — % — % September 30, 2023 Internally Assigned Grade Pass Special mention Substandard Doubtful Loss Total Gross Loans (In thousands, except ratio data) Loan type Commercial loans Multi-family $ 2,772,538 $ 90,428 $ 23,628 $ — $ — $ 2,886,594 Commercial real estate 3,207,596 4,847 97,658 — — 3,310,101 Commercial & industrial 2,164,876 6,647 143,795 — — 2,315,318 Construction 1,818,266 — 20,670 — — 1,838,936 Land - acquisition & development 156,390 — 271 — — 156,661 Total commercial loans 10,119,666 101,922 286,022 — — 10,507,610 Consumer loans Single-family residential 6,370,936 — 18,054 — — 6,388,990 Construction - custom 324,363 — 88 — — 324,451 Land - consumer lot loans 124,588 — 254 — — 124,842 HELOC 237,018 — 736 — — 237,754 Consumer 70,098 — 12 — — 70,110 Total consumer loans 7,127,003 — 19,144 — — 7,146,147 Total loans $ 17,246,669 $ 101,922 $ 305,166 $ — $ — $ 17,653,757 Total grade as a % of total gross loans 97.69 % 0.58 % 1.73 % — % — % The following tables provide information on the amortized cost of loans receivable based on borrower payment activity. June 30, 2024 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Commercial loans Multi-family $ 4,503,339 99.8 % $ 9,984 0.2 % Commercial real estate 3,720,537 99.3 26,408 0.7 Commercial & industrial 2,387,098 99.9 2,138 0.1 Construction 1,439,032 99.9 1,120 0.1 Land - acquisition & development 156,350 100.0 74 — Total commercial loans 12,206,356 99.7 39,724 0.3 Consumer loans Single-family residential 8,165,939 99.8 20,422 0.2 Construction - custom 190,345 100.0 88 — Land - consumer lot loans 111,338 99.8 236 0.2 HELOC 258,075 99.7 758 0.3 Consumer 84,422 100.0 40 0.0 Total consumer loans 8,810,119 99.8 21,544 0.2 Total loans $ 21,016,475 99.7 % $ 61,268 0.3 % September 30, 2023 Performing Loans Non-Performing Loans Amount % of Total Amount % of Total (In thousands, except ratio data) Commercial loans Multi-family $ 2,881,467 99.8 % $ 5,127 0.2 % Commercial real estate 3,286,666 99.3 23,435 0.7 Commercial & industrial 2,309,236 99.7 6,082 0.3 Construction 1,838,936 100.0 — — Land - acquisition & development 156,661 100.0 — — Total commercial loans 10,472,966 99.7 34,644 0.3 Consumer loans Single-family residential 6,374,072 99.8 14,918 0.2 Construction - custom 324,363 100.0 88 — Land - consumer lot loans 124,833 100.0 9 — HELOC 237,018 99.7 736 0.3 Consumer 70,083 100.0 27 0.0 Total consumer loans 7,130,369 99.8 15,778 0.2 Total loans $ 17,603,335 99.7 % $ 50,422 0.3 %

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Jun. 30, 2024
Fair Value Disclosures [Abstract]
Schedule of Fair Value of Assets Measured on Recurring Basis	The following tables present the balance and level in the fair value hierarchy of assets and liabilities that are measured at fair value on a recurring basis (with the exception of those measured using the NAV practical expedient). June 30, 2024 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 292,775 $ — $ 292,775 Asset-backed securities — 507,812 — 507,812 Municipal bonds — 35,017 — 35,017 Corporate debt securities — 241,167 — 241,167 Mortgage-backed securities Agency pass-through certificates — 1,351,998 — 1,351,998 Total available-for-sale securities — 2,428,769 — 2,428,769 Loans held for sale — 468,527 — 468,527 Derivatives: Client swap program hedges — 63,374 — 63,374 Commercial loan fair value hedges — 2,534 — 2,534 Mortgage loan fair value hedges — 59,243 — 59,243 Borrowings cash flow hedges — 151,333 — 151,333 Total financial assets $ — $ 3,173,780 $ — $ 3,173,780 Financial Liabilities Client swap program hedges $ — $ 64,075 $ — $ 64,075 Total financial liabilities $ — $ 64,075 $ — $ 64,075 September 30, 2023 Level 1 Level 2 Level 3 Total (In thousands) Financial Assets Available-for-sale securities: U.S. government and agency securities $ — $ 217,053 $ — $ 217,053 Asset-backed securities — 588,016 588,016 Municipal bonds — 34,662 — 34,662 Corporate debt securities — 242,522 — 242,522 Mortgage-backed securities Agency pass-through certificates — 912,844 — 912,844 Total available-for-sale securities — 1,995,097 — 1,995,097 Client swap program hedges — 78,797 — 78,797 Commercial loan fair value hedges — 3,405 — 3,405 Mortgage loan fair value hedges — 46,396 — 46,396 Borrowings cash flow hedges — 184,373 — 184,373 Total financial assets $ — $ 2,308,068 $ — $ 2,308,068 Financial Liabilities Client swap program hedges $ — $ 79,668 $ — $ 79,668 Total financial liabilities $ — $ 79,668 $ — $ 79,668
Schedule of Fair Value of Assets Measured on Nonrecurring Basis	The following tables present the aggregated balance of assets that were measured at fair value on a nonrecurring basis at June 30, 2024 and June 30, 2023, 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. June 30, 2024 Three Months Ended June 30, 2024 Nine Months Ended June 30, 2024 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Loans (1) $ — $ — $ 4,345 $ 4,345 $ (2,679) $ (3,004) Real estate owned (2) — — 1,460 1,460 (35) (1,910) Balance at end of period $ — $ — $ 5,805 $ 5,805 $ (2,714) $ (4,914) (1) The gains (losses) represent re-measurements of collateral-dependent loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned. June 30, 2023 Three Months Ended June 30, 2023 Nine Months Ended June 30, 2023 Level 1 Level 2 Level 3 Total Total Gains (Losses) (In thousands) (In thousands) Loans (1) $ — $ — $ 34,535 $ 34,535 $ (10,530) $ (16,773) Real estate owned (2) — — 3,672 3,672 (121) (98) Balance at end of period $ — $ — $ 38,207 $ 38,207 $ (10,651) $ (16,871) (1) The gains (losses) represent re-measurements of collateral-dependent loans. (2) The gains (losses) represent aggregate write-downs and charge-offs on real estate owned.
Schedule of 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. June 30, 2024 September 30, 2023 Level in Fair Value Hierarchy Carrying Estimated Carrying Estimated ($ in thousands) Financial assets Cash and cash equivalents 1 $ 2,492,504 $ 2,492,504 $ 980,649 $ 980,649 Available-for-sale securities U.S. government and agency securities 2 292,775 292,775 217,053 217,053 Asset-backed securities 2 507,812 507,812 588,016 588,016 Municipal bonds 2 35,017 35,017 34,662 34,662 Corporate debt securities 2 241,167 241,167 242,522 242,522 Mortgage-backed securities Agency pass-through certificates 2 1,351,998 1,351,998 912,844 912,844 Total available-for-sale securities 2,428,769 2,428,769 1,995,097 1,995,097 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 2 447,638 398,005 423,586 355,188 Total held-to-maturity securities 447,638 398,005 423,586 355,188 Loans receivable 3 20,873,919 20,038,322 17,476,550 16,559,758 Loans held for sale 2 468,527 468,527 — — FHLB stock 2 107,282 107,282 126,820 126,820 Other assets - client swap program hedges 2 63,374 63,374 78,797 78,797 Other assets - commercial fair value loan hedges 2 2,534 2,534 3,405 3,405 Other assets - mortgage loan fair value hedges 2 59,243 59,243 46,396 46,396 Other assets - borrowings cash flow hedges 2 151,333 151,333 184,373 184,373 Financial liabilities Time deposits 2 9,255,760 9,188,683 5,305,016 5,232,689 Borrowings 2 3,934,514 3,929,935 3,650,000 3,653,229 Junior subordinated deferrable interest debentures 3 50,485 50,535 — — Senior Debt 2 94,361 94,752 — — Other liabilities - client swap program hedges 2 64,075 64,075 79,668 79,668
Schedule of Reconciliation of Amortized Cost to Fair Value of Available-for-Sale and Held-to-Maturity Securities	The following tables provide details about the amortized cost and fair value of available-for-sale and held-to-maturity securities. June 30, 2024 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due Within 1 year $ 6,530 $ 3 $ (4) $ 6,529 5.84 % 1 to 5 years 5,528 3 (233) 5,298 2.82 5 to 10 years 151,376 1,205 — 152,581 6.01 Over 10 years 128,092 571 (296) 128,367 6.33 Asset-backed securities 1 to 5 years 12,369 — (334) 12,035 6.10 5 to 10 years 17,411 63 — 17,474 6.23 Over 10 years 479,681 672 (2,050) 478,303 6.33 Corporate debt securities due Within 1 year 25,043 — (436) 24,607 3.50 1 to 5 years 119,108 882 (163) 119,827 5.58 5 to 10 years 112,327 — (15,594) 96,733 3.87 Municipal bonds due 5 to 10 years 5,697 — (514) 5,183 3.00 Over 10 years 29,803 274 (243) 29,834 5.85 Mortgage-backed securities Agency pass-through certificates 1,415,258 2,600 (65,860) 1,351,998 4.01 2,508,223 6,273 (85,727) 2,428,769 4.81 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 447,638 170 (49,803) 398,005 3.17 447,638 170 (49,803) 398,005 3.17 $ 2,955,861 $ 6,443 $ (135,530) $ 2,826,774 4.51 % September 30, 2023 Amortized Gross Unrealized Fair Yield Gains Losses ($ in thousands) Available-for-sale securities U.S. government and agency securities due Within 1 year $ 3,501 $ — $ (36) $ 3,465 6.06 % 1 to 5 years 18,894 — (563) 18,331 4.70 5 to 10 years 87,922 177 — 88,099 5.76 Over 10 years 106,340 831 (13) 107,158 5.84 Asset-backed securities 1 to 5 years 18,579 — (715) 17,864 6.06 5 to 10 years 36,875 2 (99) 36,778 6.11 Over 10 years 539,911 578 (7,115) 533,374 6.35 Corporate debt securities due 1 to 5 years 151,893 895 (1,787) 151,001 5.14 5 to 10 years 113,221 — (21,700) 91,521 3.87 Municipal bonds due 5 to 10 years 5,720 — (701) 5,019 3.00 Over 10 years 29,832 361 (550) 29,643 5.85 Mortgage-backed securities Agency pass-through certificates 1,005,928 66 (93,150) 912,844 3.39 2,118,616 2,910 (126,429) 1,995,097 4.64 Held-to-maturity securities Mortgage-backed securities Agency pass-through certificates 423,586 — (68,398) 355,188 2.88 423,586 — (68,398) 355,188 2.88 $ 2,542,202 $ 2,910 $ (194,827) $ 2,350,285 4.35 %
Schedule of Debt Securities, Available-for-Sale	The following tables show the gross unrealized losses and fair value of securities as of June 30, 2024 and September 30, 2023, by length of time that individual securities in each category have been in a continuous loss position. There were 227 and 231 securities with an unrealized loss as of June 30, 2024 and September 30, 2023, respectively. June 30, 2024 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ (163) $ 19,831 $ (16,030) $ 121,341 $ (16,193) $ 141,172 Municipal bonds — — (757) 14,743 (757) 14,743 Asset-backed securities (336) 59,540 (2,583) 299,752 (2,919) 359,292 Mortgage-backed securities (789) 231,819 (65,070) 696,533 (65,859) 928,352 (1,288) 311,190 (84,440) 1,132,369 (85,728) 1,443,559 Held-to-maturity securities Mortgage-backed securities — — (49,802) 345,952 (49,802) 345,952 $ (1,288) $ 311,190 $ (134,242) $ 1,478,321 $ (135,530) $ 1,789,511 September 30, 2023 Less than 12 months 12 months or more Total Unrealized Fair Unrealized Fair Unrealized Fair (In thousands) Available-for-sale securities Corporate debt securities $ — $ — $ (23,487) $ 167,452 $ (23,487) $ 167,452 Municipal bonds due — — (1,250) 14,302 (1,250) 14,302 U.S. government and agency securities (13) 14,917 (599) 21,795 (612) 36,712 Asset-backed securities (2,142) 86,800 (5,788) 445,454 (7,930) 532,254 Mortgage-backed securities (2,030) 142,235 (91,120) 744,010 (93,150) 886,245 (4,185) 243,952 (122,244) 1,393,013 (126,429) 1,636,965 Held-to-maturity securities Mortgage-backed securities (15) 1,424 (68,383) 353,764 (68,398) 355,188 $ (4,200) $ 245,376 $ (190,627) $ 1,746,777 $ (194,827) $ 1,992,153

Derivatives and Hedging Activ_2

Derivatives and Hedging Activities (Tables)	9 Months Ended
	Jun. 30, 2024
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 June 30, 2024 and September 30, 2023. June 30, 2024 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 $ 978,203 $ 63,374 Other liabilities $ 978,203 $ 64,075 Commercial loan fair value hedges Other assets 37,042 2,534 Other liabilities — — Mortgage loan fair value hedges Other assets 2,670,000 59,243 Other liabilities — — Borrowings cash flow hedges Other assets 1,000,000 151,333 Other liabilities — — $ 4,685,245 $ 276,484 $ 978,203 $ 64,075 September 30, 2023 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 $ 806,744 $ 78,797 Other liabilities $ 806,744 $ 79,668 Commercial loan fair value hedges Other assets 39,661 3,405 Other liabilities — — Mortgage loan fair value hedges Other assets 670,000 46,396 Other liabilities — — Borrowings cash flow hedges Other assets 1,000,000 184,373 Other liabilities — — $ 2,516,405 $ 312,971 $ 806,744 $ 79,668
Schedule of Fair Value Hedge Accounting on Carrying Value of Hedged Items	The following tables present the impact of fair value hedge accounting on the carrying value of the hedged items at June 30, 2024 and September 30, 2023. (In thousands) June 30, 2024 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) $ 7,385,202 $ (40,379) $ 7,385,202 $ (40,379) (1) Includes the amortized cost basis of the closed mortgage loan portfolios used to designate the hedging relationships in which the hedged items are a portfolio layer expected to be remaining at the end of the hedging relationships. At June 30, 2024, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $7,350,681,000, the cumulative basis adjustment associated with the hedging relationships was $(37,908,000), and the amount of the designated hedged items was $2,670,000,000. During the three and nine months ended June 30, 2024, hedge accounting was discontinued on a $300,000,000 last of layer hedge. A basis adjustment of $1,232,211 associated with the terminated portion of the hedge will be accreted 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 June 30, 2024, the amortized cost basis of the hedged commercial loans was $34,521,000 and the cumulative basis adjustment associated with the hedging relationships was $(2,471,000). (In thousands) September 30, 2023 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) $ 1,816,870 $ (48,865) $ 1,816,870 $ (48,865) (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, 2023, the amortized cost basis of the closed loan portfolios used in the hedging relationships was $1,780,503,000, the cumulative basis adjustment associated with the hedging relationships was $(45,622,000), and the amount of the designated hedged items was $670,000,000.
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) Three Months Ended June 30, Amount of gain/(loss) recognized in AOCI on derivatives in cash flow hedging relationships 2024 2023 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ (3,256) $ 14,757 Total pre-tax gain/(loss) recognized in AOCI $ (3,256) $ 14,757 (In thousands) Nine Months Ended June 30, Amount of gain/(loss) recognized in AOCI on derivatives in cash flow hedging relationships 2024 2023 Interest rate contracts: Pay fixed/receive floating swaps on borrowings cash flow hedges $ (33,040) $ (14,021) Total pre-tax gain/(loss) recognized in AOCI $ (33,040) $ (14,021) The following tables present the impact of derivative instruments (client swap program) that are not designated in accounting hedges under ASC 815 for the periods presented. (In thousands) Three Months Ended June 30, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2024 2023 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ (715) $ 12,612 Receive fixed/pay floating swap Other noninterest income 770 (13,538) $ 55 $ (926) (In thousands) Nine Months Ended June 30, Derivative instruments Classification of gain/(loss) recognized in income on derivative instrument 2024 2023 Interest rate contracts: Pay fixed/receive floating swap Other noninterest income $ (18,410) $ (2,409) Receive fixed/pay floating swap Other noninterest income 18,579 1,509 $ 169 $ (900)
Schedule of Derivatives Instruments Statements of Financial Performance and Financial Position, Location	The following tables present the gain (loss) on derivative instruments in fair value and cash flow accounting hedging relationships under ASC 815 for the periods presented. Three Months Ended June 30, 2024 Three Months Ended June 30, 2023 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 $ 337,118 $ (60,396) $ 232,167 $ (33,718) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 13,113 $ 4,348 Recognized on derivatives 3,044 13,223 Recognized on hedged items (1,972) (13,195) Net income/(expense) recognized on fair value hedges $ 14,185 $ 4,376 Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 11,718 $ 10,639 Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — — Net income/(expense) recognized on cash flow hedges $ 11,718 $ 10,639 Nine Months Ended June 30, 2024 Nine Months Ended June 30, 2023 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 $ 857,251 $ (142,399) $ 659,070 $ (80,877) Gain/(loss) on fair value hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 27,123 $ 11,753 Recognized on derivatives (6,937) 3,766 Recognized on hedged items 7,254 (3,367) Net income/(expense) recognized on fair value hedges $ 27,440 $ 12,152 Gain/(loss) on cash flow hedging relationships: Interest rate contracts Amounts related to interest settlements on derivatives $ 35,279 $ 27,370 Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense — — Net income/(expense) recognized on cash flow hedges $ 35,279 $ 27,370

Summary of Significant Accoun_4

Summary of Significant Accounting Policies - Narrative (Details)		3 Months Ended		9 Months Ended
	Mar. 01, 2024 USD ($)	Jun. 30, 2024 USD ($) branch	Jun. 30, 2023 USD ($)	Jun. 30, 2024 USD ($) branch portfolioSegment classOfPortfolioSegment	Jun. 30, 2023 USD ($)	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($)
Accounting Policies [Line Items]
Number of bank branches | branch		210		210
Cash collateral		$ 276,450,000		$ 276,450,000				$ 326,750,000
Fair value of NAV		37,057,000		37,057,000
Remaining unfunded commitment		3,280,000		$ 3,280,000
Number of portfolio segments for loans held for investment | portfolioSegment				2
Number of classes disaggregating the commercial loan portfolio | classOfPortfolioSegment				5
Number of classes disaggregating the consumer loan portfolio | classOfPortfolioSegment				5
Loans in process		1,094,956,000		$ 1,094,956,000				1,895,940,000
Goodwill		412,213,000		412,213,000		$ 411,401,000	$ 305,125,000	$ 304,750,000
Goodwill and intangible asset impairment		$ 0	$ 0	$ 0	$ 0
Luther Burbank
Accounting Policies [Line Items]
Goodwill	$ 105,560,000
Intangible assets	$ 37,022,000
Acquired intangible assets, useful life	6 years

Summary of Significant Accoun_5

Summary of Significant Accounting Policies - Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	3 Months Ended
	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023
Goodwill
Goodwill, beginning of period	$ 411,401	$ 305,125	$ 304,750
Additions	812	106,276	375
Goodwill, end of period	412,213	411,401	305,125
Core Deposit and Other Intangibles
Intangible assets, beginning of period	42,138	5,978	5,869
Additions	1,102	37,462	375
Amortization	(3,198)	(1,302)	(266)
Intangible assets, end of period	40,042	42,138	5,978
Total
Goodwill and intangible assets, beginning of period	453,539	311,103	310,619
Additions	1,914	143,738	750
Amortization	(3,198)	(1,302)	(266)
Goodwill and intangible assets, end of period	$ 452,255	$ 453,539	$ 311,103

Summary of Significant Accoun_6

Summary of Significant Accounting Policies - Estimated Future Amortization Expense (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Dec. 31, 2023	Sep. 30, 2023
Goodwill and Intangible Assets Disclosure [Abstract]
2024	$ 5,904
2025	9,856
2026	7,306
2027	5,561
2028	5,200
Thereafter	6,215
Total Intangibles Assets	$ 40,042	$ 42,138	$ 5,978	$ 5,869

Business Combination - Narrativ

Business Combination - Narrative (Details) $ in Thousands		3 Months Ended
	Mar. 01, 2024 USD ($) shares	Jun. 30, 2024 USD ($) shares	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)	Sep. 30, 2023 USD ($) shares
Business Acquisition [Line Items]
Common stock, shares outstanding (in shares) | shares	64,000,000	81,157,173			64,736,916
Goodwill		$ 412,213	$ 411,401	$ 305,125	$ 304,750
Luther Burbank
Business Acquisition [Line Items]
Conversion ratio	0.3353
Number of WaFd shares issued to LBC shareholders | shares	17,089,000
Equity interest issued, percent of outstanding stock	21%
Goodwill	$ 105,560
Goodwill adjustment, decrease		$ 276
Loans held for investment acquired	$ 3,100,000
Acquired intangible assets, useful life	6 years
Luther Burbank | PCD
Business Acquisition [Line Items]
Loans held for investment acquired	$ 293,204

Business Combination - Schedule

Business Combination - Schedule of Purchase Price Consideration (Details) - Luther Burbank $ / shares in Units, shares in Thousands, $ in Thousands	Mar. 01, 2024 USD ($) $ / shares shares
Business Acquisition [Line Items]
Number of WaFd shares issued to LBC shareholders | shares	17,089
WaFd market price per share on February 29, 2024 (in dollars per share) | $ / shares	$ 27.24
Purchase price of shares issued to LBC shareholders	$ 465,501
Cash in lieu of fractional shares	3
Purchase price consideration	$ 465,504

Business Combination - Schedu_2

Business Combination - Schedule of Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Mar. 01, 2024	Dec. 31, 2023	Sep. 30, 2023
Fair value of liabilities assumed
Goodwill	$ 412,213	$ 411,401		$ 305,125	$ 304,750
Luther Burbank
Business Acquisition [Line Items]
Total merger consideration			$ 465,504
Fair value of assets acquired
Cash and cash equivalents			627,403
Investment securities			518,878
Loans receivable			3,116,899
Loans held for sale			3,089,442
Interest receivable			25,697
Premises and equipment			6,436
FHLB stock			35,831
Bank owned life insurance			17,781
Intangible assets			37,022
Deferred tax asset, net			125,452
Other assets			75,645
Total assets acquired			7,676,486
Fair value of liabilities assumed
Customer accounts			5,640,440
Accrued expenses and other liabilities			100,275
Total liabilities assumed			7,316,542
Net Assets Acquired			359,944
Goodwill			105,560
Luther Burbank | Borrowings
Fair value of liabilities assumed
Debt			1,432,138
Luther Burbank | Junior subordinated deferrable interest debentures
Fair value of liabilities assumed
Debt			50,175
Luther Burbank | Senior Debt
Fair value of liabilities assumed
Debt			$ 93,514

Business Combination - Summary

Business Combination - Summary of PCD Loans at Acquisition (Details) - Luther Burbank $ in Thousands	Mar. 01, 2024 USD ($)
Business Acquisition [Line Items]
Principal of PCD loans acquired	$ 3,100,000
PCD
Business Acquisition [Line Items]
Principal of PCD loans acquired	293,204
PCD ACL at acquisition	(7,403)
Non-credit discount on PCD loans	(45,869)
Fair value of PCD loans	$ 239,932

Business Combination - Summar_2

Business Combination - Summary of Merger-Related Expenses (Details) - Luther Burbank - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Business Acquisition [Line Items]
Merger-related expenses	$ 2,285	$ 27,921
Severance and employee-related
Business Acquisition [Line Items]
Merger-related expenses	1,400	21,666
Legal and Professional
Business Acquisition [Line Items]
Merger-related expenses	505	4,487
Charitable contributions
Business Acquisition [Line Items]
Merger-related expenses	0	1,000
System conversion and integration
Business Acquisition [Line Items]
Merger-related expenses	$ 380	$ 768

Business Combination - Schedu_3

Business Combination - Schedule of Pro Forma Information (Details) - Luther Burbank - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Business Acquisition [Line Items]
Net-interest income	$ 531,398	$ 646,731
Non-interest income	47,493	40,965
Net income	$ 142,921	$ 238,473

Dividends and Share Repurchas_2

Dividends and Share Repurchases (Details) - $ / shares				3 Months Ended		9 Months Ended
	Jul. 15, 2024	Jun. 07, 2024	Apr. 15, 2024	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Dividends Payable [Line Items]
Cash dividends per share (in dollars per share)		$ 0.26		$ 0.26	$ 0.25	$ 0.77	$ 0.74
Stock repurchased (in shares)				357,303
Average cost per share (in dollars per share)				$ 26.63
Stock repurchase program, number of additional shares authorized				10,000,000
Remaining shares authorized to be repurchased (in shares)				11,501,005		11,501,005
Preferred stock dividends declared (in dollars per share)			$ 12.1875
Depository dividends declared (in dollars per share)			$ 0.30468750
Subsequent Event
Dividends Payable [Line Items]
Preferred stock dividends declared (in dollars per share)	$ 12.1875
Depository dividends declared (in dollars per share)	$ 0.30468750

Loans Receivable - Narrative (D

Loans Receivable - Narrative (Details)	9 Months Ended
	Jun. 30, 2024 USD ($) portfolioSegment	Sep. 30, 2023 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Number of portfolio segments for loans held for investment | portfolioSegment	2
Loans held for sale	$ 468,527,000	$ 0
Accrued interest receivables for loans	92,457,000	77,349,000
Gross loans	22,466,841,000	19,648,504,000
Nonaccrual interest income recognized	706,000
Impaired, interest income on accrual accrual and performed loans	2,121,000
Loan modified, subsequent default	0
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	13,235,910,000	12,094,294,000
Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	2,394,978,000	$ 2,321,717,000
Commercial loans | Commercial & industrial | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan modified, accumulated amortized cost	0
Asset Pledged as Collateral | Federal Reserve Bank Advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 17,407,607,000

Loans Receivable - Schedule of

Loans Receivable - Schedule of Loans Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held for sale	$ 468,527		$ 0
Gross loans	$ 22,466,841		$ 19,648,504
Ratio of loan type to all loans	100%		100%
Allowance for credit losses on loans	$ 203,824	$ 201,577	$ 177,207	$ 178,069	$ 177,420	$ 172,808
Loans in process	1,094,956		1,895,940
Net deferred fees, costs and discounts	294,142		98,807
Total loan contra accounts	1,592,922		2,171,954
Net loans	20,873,919		17,476,550
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 13,235,910		$ 12,094,294
Ratio of loan type to all loans	58.90%		61.60%
Allowance for credit losses on loans	$ 153,195	149,413	$ 137,194	138,185	137,665	133,476
Commercial loans | Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 4,616,359		$ 2,907,086
Ratio of loan type to all loans	20.50%		14.80%
Allowance for credit losses on loans	$ 25,199	21,979	$ 13,155	12,976	13,038	12,013
Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 3,781,247		$ 3,344,959
Ratio of loan type to all loans	16.80%		17%
Allowance for credit losses on loans	$ 39,756	32,991	$ 28,842	28,132	27,803	25,814
Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 2,394,978		$ 2,321,717
Ratio of loan type to all loans	10.70%		11.80%
Allowance for credit losses on loans	$ 57,833	59,261	$ 58,773	61,915	63,301	57,210
Commercial loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 2,247,530		$ 3,318,994
Ratio of loan type to all loans	10%		16.90%
Allowance for credit losses on loans	$ 22,707	27,317	$ 29,408	27,916	26,027	26,161
Commercial loans | Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 195,796		$ 201,538
Ratio of loan type to all loans	0.90%		1%
Allowance for credit losses on loans	$ 7,700	7,865	$ 7,016	7,246	7,496	12,278
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 9,230,931		$ 7,554,210
Ratio of loan type to all loans	41.10%		38.40%
Allowance for credit losses on loans	$ 50,629	52,164	$ 40,013	39,884	39,755	39,332
Consumer loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 414,483		$ 672,643
Ratio of loan type to all loans	1.90%		3.40%
Allowance for credit losses on loans	$ 1,494	1,918	$ 2,781	3,221	3,456	3,410
Consumer loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 8,364,415		$ 6,451,270
Ratio of loan type to all loans	37.20%		32.80%
Allowance for credit losses on loans	$ 40,316	41,054	$ 28,029	27,083	26,916	25,518
Consumer loans | Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 112,317		$ 125,723
Ratio of loan type to all loans	0.50%		0.60%
Allowance for credit losses on loans	$ 2,648	3,214	$ 3,512	3,770	3,945	5,047
Consumer loans | HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 255,271		$ 234,410
Ratio of loan type to all loans	1.10%		1.20%
Allowance for credit losses on loans	$ 2,924	2,974	$ 2,859	2,743	2,662	2,482
Consumer loans | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 84,445		$ 70,164
Ratio of loan type to all loans	0.40%		0.40%
Allowance for credit losses on loans	$ 3,247	$ 3,004	$ 2,832	$ 3,067	$ 2,776	$ 2,875

Loans Receivable - Non-accrual

Loans Receivable - Non-accrual Loans and Loans 90 Days or More Past Due and Accruing (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual percent of total loans	0.29%	0.29%
Financial Asset Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 61,268	$ 50,422
Non-accrual with no ACL	0	0
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 loans	39,724	34,644
Non-accrual with no ACL	0	0
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 loans	9,984	5,127
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 loans	26,408	23,435
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 loans	2,138	6,082
Non-accrual with no ACL	0	0
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 loans	1,120	0
Non-accrual with no ACL		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 loans	74	0
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 loans	21,544	15,778
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 loans	88	88
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 loans	20,422	14,918
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 loans	236	9
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 loans	758	736
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 loans	40	27
Non-accrual with no ACL	0	0
90 days or more past due and accruing	$ 0	$ 0

Loans Receivable - Loan Delinqu

Loans Receivable - Loan Delinquencies by Loan Portfolio and Class (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 21,077,743	$ 17,653,757
% based on $, past due	0.22%	0.36%
Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 21,031,022	$ 17,590,442
% based on $, current	99.78%	99.64%
Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 46,721	$ 63,315
% based on $, past due	0.22%	0.36%
30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 13,432	$ 9,715
% based on $, past due	0.06%	0.06%
60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 9,036	$ 11,682
% based on $, past due	0.04%	0.07%
90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 24,253	$ 41,918
% based on $, past due	0.12%	0.24%
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 12,246,080	$ 10,507,610
% based on $, past due	0.09%	0.31%
Commercial loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 12,235,547	$ 10,474,752
Commercial loans | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	10,533	32,858
Commercial loans | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	878
Commercial loans | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	3,600	2,331
Commercial loans | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	6,933	29,649
Commercial loans | Multi-family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 4,513,323	$ 2,886,594
% based on $, past due	0.15%	0%
Commercial loans | Multi-family | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 4,506,711	$ 2,886,462
Commercial loans | Multi-family | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	6,612	132
Commercial loans | Multi-family | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	0
Commercial loans | Multi-family | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	2,651	0
Commercial loans | Multi-family | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	3,961	132
Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 3,746,945	$ 3,310,101
% based on $, past due	0.02%	0.74%
Commercial loans | Commercial real estate | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 3,746,356	$ 3,285,673
Commercial loans | Commercial real estate | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	589	24,428
Commercial loans | Commercial real estate | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	848
Commercial loans | Commercial real estate | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	589	145
Commercial loans | Commercial real estate | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	23,435
Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 2,389,236	$ 2,315,318
% based on $, past due	0.09%	0.36%
Commercial loans | Commercial & industrial | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 2,387,098	$ 2,307,020
Commercial loans | Commercial & industrial | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	2,138	8,298
Commercial loans | Commercial & industrial | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	30
Commercial loans | Commercial & industrial | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	2,186
Commercial loans | Commercial & industrial | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	2,138	6,082
Commercial loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 1,440,152	$ 1,838,936
% based on $, past due	0.08%	0%
Commercial loans | Construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 1,439,032	$ 1,838,936
Commercial loans | Construction | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	1,120	0
Commercial loans | Construction | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	0
Commercial loans | Construction | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	360	0
Commercial loans | Construction | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	760	0
Commercial loans | Land - acquisition & development
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 156,424	$ 156,661
% based on $, past due	0.05%	0%
Commercial loans | Land - acquisition & development | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 156,350	$ 156,661
Commercial loans | Land - acquisition & development | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	74	0
Commercial loans | Land - acquisition & development | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	0
Commercial loans | Land - acquisition & development | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	0
Commercial loans | Land - acquisition & development | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	74	0
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 8,831,663	$ 7,146,147
% based on $, past due	0.41%	0.43%
Consumer loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 8,795,475	$ 7,115,690
Consumer loans | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	36,188	30,457
Consumer loans | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	13,432	8,837
Consumer loans | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	5,436	9,351
Consumer loans | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	17,320	12,269
Consumer loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 190,433	$ 324,451
% based on $, past due	0.45%	1.07%
Consumer loans | Construction | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 189,585	$ 320,987
Consumer loans | Construction | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	848	3,464
Consumer loans | Construction | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	760	760
Consumer loans | Construction | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	0	2,617
Consumer loans | Construction | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	88	87
Consumer loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 8,186,361	$ 6,388,990
% based on $, past due	0.39%	0.37%
Consumer loans | Single-family residential | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 8,154,250	$ 6,365,065
Consumer loans | Single-family residential | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	32,111	23,925
Consumer loans | Single-family residential | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	10,925	6,441
Consumer loans | Single-family residential | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	4,937	6,068
Consumer loans | Single-family residential | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	16,249	11,416
Consumer loans | Land - consumer lot loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 111,574	$ 124,842
% based on $, past due	0.63%	0.49%
Consumer loans | Land - consumer lot loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 110,871	$ 124,231
Consumer loans | Land - consumer lot loans | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	703	611
Consumer loans | Land - consumer lot loans | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	254	358
Consumer loans | Land - consumer lot loans | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	213	245
Consumer loans | Land - consumer lot loans | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	236	8
Consumer loans | HELOC
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 258,833	$ 237,754
% based on $, past due	0.87%	0.86%
Consumer loans | HELOC | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 256,582	$ 235,708
Consumer loans | HELOC | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	2,251	2,046
Consumer loans | HELOC | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	1,366	1,050
Consumer loans | HELOC | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	178	314
Consumer loans | HELOC | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	707	682
Consumer loans | Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 84,462	$ 70,110
% based on $, past due	0.33%	0.59%
Consumer loans | Consumer | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 84,187	$ 69,699
Consumer loans | Consumer | Total Delinquent
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	275	411
Consumer loans | Consumer | 30 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	127	228
Consumer loans | Consumer | 60 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	108	107
Consumer loans | Consumer | 90 days past due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable	$ 40	$ 76

Loans Receivable - Schedule o_2

Loans Receivable - Schedule of Loan Modifications (Details) - Term Extension - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension	$ 48,231	$ 94,109
% of Total Loan Class Balance	0.23%	0.45%
Commercial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension	$ 47,668	$ 93,546
% of Total Loan Class Balance	0.20%	0.76%
Commercial loans | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension	$ 23,435	$ 23,502
% of Total Loan Class Balance	0.63%	0.63%
Wtd. Avg. Term Extension	36 months	36 months
Commercial loans | Commercial & industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension	$ 24,233	$ 56,891
% of Total Loan Class Balance	1.01%	2.38%
Wtd. Avg. Term Extension	9 months	8 months
Commercial loans | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension		$ 13,153
% of Total Loan Class Balance		0.91%
Wtd. Avg. Term Extension		15 months
Consumer loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension	$ 563	$ 563
% of Total Loan Class Balance	0.01%	0.01%
Consumer loans | Single-family residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Term Extension	$ 563	$ 563
% of Total Loan Class Balance	0.01%	0.01%
Wtd. Avg. Term Extension	6 months	6 months

Loans Receivable - Loans Based

Loans Receivable - Loans Based on Credit Quality Indicators (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Gross Charge-offs
Total Loans	$ 2,713	$ 10,543	$ 3,351	$ 16,897
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	392,292		392,292		$ 771,470
2023	1,021,645		1,021,645		2,845,113
2022	3,687,397		3,687,397		2,530,000
2021	2,563,585		2,563,585		1,239,813
2020	1,220,744		1,220,744		516,214
Prior to 2020	1,937,996		1,937,996		1,277,596
Revolving Loans	1,403,264		1,403,264		1,292,844
Revolving to Term Loans	19,157		19,157		34,560
Total Loans	12,246,080		12,246,080		10,507,610
Gross Charge-offs
YTD 2024			0
2023			0
2022			0
2021			10
2020			0
Prior to 2020			252
Revolving Loans			2,331
Revolving to Term Loans			101
Total Loans	2,549	10,469	2,694	16,605
Commercial loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	391,505		391,505		768,070
2023	994,319		994,319		2,732,691
2022	3,520,018		3,520,018		2,501,906
2021	2,510,433		2,510,433		1,210,070
2020	1,169,456		1,169,456		469,897
Prior to 2020	1,767,576		1,767,576		1,190,162
Revolving Loans	1,266,634		1,266,634		1,219,189
Revolving to Term Loans	19,156		19,156		27,681
Total Loans	11,639,097		11,639,097		10,119,666
Commercial loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	22,658		22,658		90,428
2022	105,422		105,422		788
2021	30,298		30,298		0
2020	11,280		11,280		6,999
Prior to 2020	21,080		21,080		0
Revolving Loans	53,157		53,157		3,707
Revolving to Term Loans	0		0		0
Total Loans	243,895		243,895		101,922
Commercial loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	787		787		3,400
2023	4,668		4,668		21,994
2022	61,957		61,957		27,306
2021	22,854		22,854		29,743
2020	40,008		40,008		39,318
Prior to 2020	149,340		149,340		87,434
Revolving Loans	83,473		83,473		69,948
Revolving to Term Loans	1		1		6,879
Total Loans	363,088		363,088		286,022
Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	75,580		75,580		135,859
2023	187,791		187,791		754,265
2022	1,628,187		1,628,187		853,307
2021	1,193,474		1,193,474		544,077
2020	596,253		596,253		143,548
Prior to 2020	783,291		783,291		406,015
Revolving Loans	31,628		31,628		49,523
Revolving to Term Loans	17,119		17,119		0
Total Loans	4,513,323		4,513,323		2,886,594
Gross Charge-offs
Total Loans	0	0	0	0
Commercial loans | Multi-family | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	75,580		75,580		135,859
2023	187,791		187,791		658,126
2022	1,528,403		1,528,403		850,998
2021	1,184,931		1,184,931		541,655
2020	589,557		589,557		135,965
Prior to 2020	742,732		742,732		400,412
Revolving Loans	31,628		31,628		49,523
Revolving to Term Loans	17,119		17,119		0
Total Loans	4,357,741		4,357,741		2,772,538
Commercial loans | Multi-family | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		90,428
2022	92,856		92,856		0
2021	2,667		2,667		0
2020	0		0		0
Prior to 2020	4,256		4,256		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	99,779		99,779		90,428
Commercial loans | Multi-family | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		5,711
2022	6,928		6,928		2,309
2021	5,876		5,876		2,422
2020	6,696		6,696		7,583
Prior to 2020	36,303		36,303		5,603
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	55,803		55,803		23,628
Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	173,108		173,108		221,556
2023	246,217		246,217		918,137
2022	1,126,164		1,126,164		739,667
2021	751,731		751,731		501,479
2020	512,242		512,242		294,920
Prior to 2020	920,974		920,974		631,993
Revolving Loans	16,509		16,509		2,349
Revolving to Term Loans	0		0		0
Total Loans	3,746,945		3,746,945		3,310,101
Gross Charge-offs
YTD 2024			0
2023			0
2022			0
2021			0
2020			0
Prior to 2020			203
Revolving Loans			0
Revolving to Term Loans
Total Loans	203	0	203	0
Commercial loans | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	173,108		173,108		221,057
2023	245,719		245,719		912,776
2022	1,114,426		1,114,426		735,069
2021	726,381		726,381		476,941
2020	481,590		481,590		262,945
Prior to 2020	839,432		839,432		596,459
Revolving Loans	16,509		16,509		2,349
Revolving to Term Loans	0		0		0
Total Loans	3,597,165		3,597,165		3,207,596
Commercial loans | Commercial real estate | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	2,870		2,870		788
2021	23,090		23,090		0
2020	0		0		4,059
Prior to 2020	16,246		16,246		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	42,206		42,206		4,847
Commercial loans | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		499
2023	498		498		5,361
2022	8,868		8,868		3,810
2021	2,260		2,260		24,538
2020	30,652		30,652		27,916
Prior to 2020	65,296		65,296		35,534
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	107,574		107,574		97,658
Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	33,674		33,674		155,411
2023	171,055		171,055		264,330
2022	285,666		285,666		325,250
2021	292,501		292,501		119,872
2020	106,831		106,831		31,005
Prior to 2020	215,132		215,132		221,339
Revolving Loans	1,282,339		1,282,339		1,163,551
Revolving to Term Loans	2,038		2,038		34,560
Total Loans	2,389,236		2,389,236		2,315,318
Gross Charge-offs
YTD 2024			0
2023			0
2022			0
2021			10
2020			0
Prior to 2020			31
Revolving Loans			2,331
Revolving to Term Loans			101
Total Loans	2,346	10,469	2,473	16,605
Commercial loans | Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	33,674		33,674		155,411
2023	154,481		154,481		258,798
2022	230,569		230,569		316,713
2021	289,491		289,491		117,089
2020	92,965		92,965		24,246
Prior to 2020	167,152		167,152		175,042
Revolving Loans	1,145,709		1,145,709		1,089,896
Revolving to Term Loans	2,037		2,037		27,681
Total Loans	2,116,078		2,116,078		2,164,876
Commercial loans | Commercial & industrial | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	14,565		14,565		0
2022	9,696		9,696		0
2021	1,445		1,445		0
2020	11,280		11,280		2,940
Prior to 2020	239		239		0
Revolving Loans	53,157		53,157		3,707
Revolving to Term Loans	0		0		0
Total Loans	90,382		90,382		6,647
Commercial loans | Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	2,009		2,009		5,532
2022	45,401		45,401		8,537
2021	1,565		1,565		2,783
2020	2,586		2,586		3,819
Prior to 2020	47,741		47,741		46,297
Revolving Loans	83,473		83,473		69,948
Revolving to Term Loans	1		1		6,879
Total Loans	182,776		182,776		143,795
Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	96,083		96,083		238,051
2023	402,208		402,208		838,696
2022	589,996		589,996		572,500
2021	279,077		279,077		68,105
2020	0		0		46,390
Prior to 2020	0		0		373
Revolving Loans	72,788		72,788		74,821
Revolving to Term Loans	0		0		0
Total Loans	1,440,152		1,440,152		1,838,936
Gross Charge-offs
Total Loans	0	0	0	0
Commercial loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	95,296		95,296		235,150
2023	391,954		391,954		833,577
2022	589,236		589,236		559,850
2021	262,828		262,828		68,105
2020	0		0		46,390
Prior to 2020	0		0		373
Revolving Loans	72,788		72,788		74,821
Revolving to Term Loans	0		0		0
Total Loans	1,412,102		1,412,102		1,818,266
Commercial loans | Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0
2023	8,093		8,093
2022	0		0
2021	3,096		3,096
2020	0		0
Prior to 2020	0		0
Revolving Loans	0		0
Revolving to Term Loans	0		0
Total Loans	11,189		11,189
Commercial loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	787		787		2,901
2023	2,161		2,161		5,119
2022	760		760		12,650
2021	13,153		13,153		0
2020	0		0		0
Prior to 2020	0		0		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	16,861		16,861		20,670
Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	13,847		13,847		20,593
2023	14,374		14,374		69,685
2022	57,384		57,384		39,276
2021	46,802		46,802		6,280
2020	5,418		5,418		351
Prior to 2020	18,599		18,599		17,876
Revolving Loans	0		0		2,600
Revolving to Term Loans	0		0		0
Total Loans	156,424		156,424		156,661
Gross Charge-offs
YTD 2024			0
2023			0
2022			0
2021			0
2020			0
Prior to 2020			18
Revolving Loans			0
Revolving to Term Loans			0
Total Loans	0	0	18	0
Commercial loans | Land - acquisition & development | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	13,847		13,847		20,593
2023	14,374		14,374		69,414
2022	57,384		57,384		39,276
2021	46,802		46,802		6,280
2020	5,344		5,344		351
Prior to 2020	18,260		18,260		17,876
Revolving Loans	0		0		2,600
Revolving to Term Loans	0		0		0
Total Loans	156,011		156,011		156,390
Commercial loans | Land - acquisition & development | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0
2023	0		0
2022	0		0
2021	0		0
2020	0		0
Prior to 2020	339		339
Revolving Loans	0		0
Revolving to Term Loans	0		0
Total Loans	339		339
Commercial loans | Land - acquisition & development | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		271
2022	0		0		0
2021	0		0		0
2020	74		74		0
Prior to 2020	0		0		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	74		74		271
Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	265,617		265,617		625,700
2023	902,646		902,646		1,743,204
2022	2,342,650		2,342,650		1,776,345
2021	2,141,817		2,141,817		743,758
2020	842,530		842,530		300,626
Prior to 2020	2,036,308		2,036,308		1,694,901
Revolving Loans	299,131		299,131		259,975
Revolving to Term Loans	964		964		1,638
Total Loans	8,831,663		8,831,663		7,146,147
Gross Charge-offs
YTD 2024			0
2023			0
2022			13
2021			0
2020			0
Prior to 2020			249
Revolving Loans			379
Revolving to Term Loans			16
Total Loans	164	74	657	292
Consumer loans | Total Delinquent
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0
2023	2,132		2,132
2022	7,873		7,873
2021	5,810		5,810
2020	716		716
Prior to 2020	17,866		17,866
Revolving Loans	1,791		1,791
Revolving to Term Loans	0		0
Total Loans	36,188		36,188
Consumer loans | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		822
2023	1,312		1,312		875
2022	2,754		2,754		1,217
2021	1,688		1,688		392
2020	0		0		221
Prior to 2020	6,609		6,609		4,301
Revolving Loans	1,069		1,069		1,009
Revolving to Term Loans	0		0		0
Total Loans	13,432		13,432		8,837
Consumer loans | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		1,526
2022	1,432		1,432		1,665
2021	1,416		1,416		3,942
2020	263		263		0
Prior to 2020	2,319		2,319		2,217
Revolving Loans	6		6		1
Revolving to Term Loans	0		0		0
Total Loans	5,436		5,436		9,351
Consumer loans | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	820		820		1,557
2022	3,687		3,687		666
2021	2,706		2,706		1,408
2020	453		453		29
Prior to 2020	8,938		8,938		7,926
Revolving Loans	716		716		682
Revolving to Term Loans	0		0		1
Total Loans	17,320		17,320		12,269
Consumer loans | Current
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	265,617		265,617		624,878
2023	900,514		900,514		1,739,246
2022	2,334,777		2,334,777		1,772,797
2021	2,136,007		2,136,007		738,016
2020	841,814		841,814		300,376
Prior to 2020	2,018,442		2,018,442		1,680,457
Revolving Loans	297,340		297,340		258,283
Revolving to Term Loans	964		964		1,637
Total Loans	8,795,475		8,795,475		7,115,690
Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	26,660		26,660		92,081
2023	126,878		126,878		219,835
2022	34,758		34,758		8,838
2021	1,779		1,779		2,860
2020	0		0		358
Prior to 2020	358		358		479
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	190,433		190,433		324,451
Gross Charge-offs
Total Loans	0	0	0	0
Consumer loans | Construction | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		760
2022	760		760		0
2021	0		0		0
2020	0		0		0
Prior to 2020	0		0		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	760		760		760
Consumer loans | Construction | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024					0
2023					0
2022					0
2021					2,617
2020					0
Prior to 2020					0
Revolving Loans					0
Revolving to Term Loans					0
Total Loans					2,617
Consumer loans | Construction | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		87
2022	88		88		0
2021	0		0		0
2020	0		0		0
Prior to 2020	0		0		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	88		88		87
Consumer loans | Construction | Current
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	26,660		26,660		92,081
2023	126,878		126,878		218,988
2022	33,910		33,910		8,838
2021	1,779		1,779		243
2020	0		0		358
Prior to 2020	358		358		479
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	189,585		189,585		320,987
Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	224,535		224,535		513,829
2023	759,467		759,467		1,481,590
2022	2,275,597		2,275,597		1,722,108
2021	2,105,005		2,105,005		721,375
2020	824,789		824,789		296,057
Prior to 2020	1,996,968		1,996,968		1,654,031
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	8,186,361		8,186,361		6,388,990
Gross Charge-offs
YTD 2024			0
2023			0
2022			13
2021			0
2020			0
Prior to 2020			131
Revolving Loans			0
Revolving to Term Loans			0
Total Loans	13	0	144	34
Consumer loans | Single-family residential | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		822
2023	1,312		1,312		115
2022	1,812		1,812		859
2021	1,616		1,616		392
2020	0		0		221
Prior to 2020	6,185		6,185		4,032
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	10,925		10,925		6,441
Consumer loans | Single-family residential | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		1,526
2022	1,432		1,432		1,420
2021	1,203		1,203		1,325
2020	263		263		0
Prior to 2020	2,039		2,039		1,797
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	4,937		4,937		6,068
Consumer loans | Single-family residential | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	820		820		1,470
2022	3,494		3,494		666
2021	2,575		2,575		1,408
2020	453		453		0
Prior to 2020	8,907		8,907		7,872
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	16,249		16,249		11,416
Consumer loans | Single-family residential | Current
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	224,535		224,535		513,007
2023	757,335		757,335		1,478,479
2022	2,268,859		2,268,859		1,719,163
2021	2,099,611		2,099,611		718,250
2020	824,073		824,073		295,836
Prior to 2020	1,979,837		1,979,837		1,640,330
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	8,154,250		8,154,250		6,365,065
Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	13,385		13,385		19,128
2023	16,245		16,245		41,658
2022	32,294		32,294		35,651
2021	25,540		25,540		11,517
2020	9,747		9,747		4,166
Prior to 2020	14,363		14,363		12,722
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	111,574		111,574		124,842
Gross Charge-offs
Total Loans	0	0	0	0
Consumer loans | Land - consumer lot loans | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	182		182		358
2021	72		72		0
2020	0		0		0
Prior to 2020	0		0		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	254		254		358
Consumer loans | Land - consumer lot loans | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		245
2021	213		213		0
2020	0		0		0
Prior to 2020	0		0		0
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	213		213		245
Consumer loans | Land - consumer lot loans | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	105		105		0
2021	131		131		0
2020	0		0		0
Prior to 2020	0		0		8
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	236		236		8
Consumer loans | Land - consumer lot loans | Current
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	13,385		13,385		19,128
2023	16,245		16,245		41,658
2022	32,007		32,007		35,048
2021	25,124		25,124		11,517
2020	9,747		9,747		4,166
Prior to 2020	14,363		14,363		12,714
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	110,871		110,871		124,231
Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	4,977		4,977		4,091
Revolving Loans	252,892		252,892		232,026
Revolving to Term Loans	964		964		1,637
Total Loans	258,833		258,833		237,754
Gross Charge-offs
Total Loans	0	0	0	0
Consumer loans | HELOC | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	297		297		44
Revolving Loans	1,069		1,069		1,006
Revolving to Term Loans	0		0		0
Total Loans	1,366		1,366		1,050
Consumer loans | HELOC | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	178		178		314
Revolving Loans	0		0		0
Revolving to Term Loans	0		0		0
Total Loans	178		178		314
Consumer loans | HELOC | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	0		0		0
Revolving Loans	707		707		682
Revolving to Term Loans	0		0		0
Total Loans	707		707		682
Consumer loans | HELOC | Current
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	4,502		4,502		3,733
Revolving Loans	251,116		251,116		230,338
Revolving to Term Loans	964		964		1,637
Total Loans	256,582		256,582		235,708
Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	1,037		1,037		662
2023	56		56		121
2022	1		1		9,748
2021	9,493		9,493		8,006
2020	7,994		7,994		45
Prior to 2020	19,642		19,642		23,578
Revolving Loans	46,239		46,239		27,949
Revolving to Term Loans	0		0		1
Total Loans	84,462		84,462		70,110
Gross Charge-offs
YTD 2024			0
2023			0
2022			0
2021			0
2020			0
Prior to 2020			118
Revolving Loans			379
Revolving to Term Loans			16
Total Loans	151	$ 74	513	$ 258
Consumer loans | Consumer | 30 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	127		127		225
Revolving Loans	0		0		3
Revolving to Term Loans	0		0		0
Total Loans	127		127		228
Consumer loans | Consumer | 60 days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		0
Prior to 2020	102		102		106
Revolving Loans	6		6		1
Revolving to Term Loans	0		0		0
Total Loans	108		108		107
Consumer loans | Consumer | 90+ days past due
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	0		0		0
2023	0		0		0
2022	0		0		0
2021	0		0		0
2020	0		0		29
Prior to 2020	31		31		46
Revolving Loans	9		9		0
Revolving to Term Loans	0		0		1
Total Loans	40		40		76
Consumer loans | Consumer | Current
Financing Receivable, Credit Quality Indicator [Line Items]
YTD 2024	1,037		1,037		662
2023	56		56		121
2022	1		1		9,748
2021	9,493		9,493		8,006
2020	7,994		7,994		16
Prior to 2020	19,382		19,382		23,201
Revolving Loans	46,224		46,224		27,945
Revolving to Term Loans	0		0		0
Total Loans	$ 84,187		$ 84,187		$ 69,699

Allowance for Losses on Loans -

Allowance for Losses on Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	$ 201,577	$ 177,420	$ 177,207	$ 172,808
Charge-offs	(2,713)	(10,543)	(3,351)	(16,897)
Recoveries	1,460	192	2,065	1,158
Provision & Transfers	3,500	11,000	27,903	21,000
Ending Allowance	203,824	178,069	203,824	178,069
Provision and transfers	3,500	11,000	27,903	21,000
Non-PCD
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision & Transfers			16,000
Provision and transfers			16,000
PCD | Luther Burbank
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision & Transfers			7,403
Provision and transfers			7,403
Unfunded commitments
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Provision & Transfers	2,000	2,000	3,000	6,000
Provision and transfers	2,000	2,000	3,000	6,000
Commercial loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	149,413	137,665	137,194	133,476
Charge-offs	(2,549)	(10,469)	(2,694)	(16,605)
Recoveries	1,022	34	1,159	143
Provision & Transfers	5,309	10,955	17,536	21,171
Ending Allowance	153,195	138,185	153,195	138,185
Provision and transfers	5,309	10,955	17,536	21,171
Commercial loans | Multi-family
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	21,979	13,038	13,155	12,013
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision & Transfers	3,220	(62)	12,044	963
Ending Allowance	25,199	12,976	25,199	12,976
Provision and transfers	3,220	(62)	12,044	963
Commercial loans | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	32,991	27,803	28,842	25,814
Charge-offs	(203)	0	(203)	0
Recoveries	2	0	4	5
Provision & Transfers	6,966	329	11,113	2,313
Ending Allowance	39,756	28,132	39,756	28,132
Provision and transfers	6,966	329	11,113	2,313
Commercial loans | Commercial & industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	59,261	63,301	58,773	57,210
Charge-offs	(2,346)	(10,469)	(2,473)	(16,605)
Recoveries	1,003	10	1,067	84
Provision & Transfers	(85)	9,073	466	21,226
Ending Allowance	57,833	61,915	57,833	61,915
Provision and transfers	(85)	9,073	466	21,226
Commercial loans | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	27,317	26,027	29,408	26,161
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision & Transfers	(4,610)	1,889	(6,701)	1,755
Ending Allowance	22,707	27,916	22,707	27,916
Provision and transfers	(4,610)	1,889	(6,701)	1,755
Commercial loans | Land - acquisition & development
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	7,865	7,496	7,016	12,278
Charge-offs	0	0	(18)	0
Recoveries	17	24	88	54
Provision & Transfers	(182)	(274)	614	(5,086)
Ending Allowance	7,700	7,246	7,700	7,246
Provision and transfers	(182)	(274)	614	(5,086)
Consumer loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	52,164	39,755	40,013	39,332
Charge-offs	(164)	(74)	(657)	(292)
Recoveries	438	158	906	1,015
Provision & Transfers	(1,809)	45	10,367	(171)
Ending Allowance	50,629	39,884	50,629	39,884
Provision and transfers	(1,809)	45	10,367	(171)
Consumer loans | Construction
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	1,918	3,456	2,781	3,410
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision & Transfers	(424)	(235)	(1,287)	(189)
Ending Allowance	1,494	3,221	1,494	3,221
Provision and transfers	(424)	(235)	(1,287)	(189)
Consumer loans | Single-family residential
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	41,054	26,916	28,029	25,518
Charge-offs	(13)	0	(144)	(34)
Recoveries	118	18	293	552
Provision & Transfers	(843)	149	12,138	1,047
Ending Allowance	40,316	27,083	40,316	27,083
Provision and transfers	(843)	149	12,138	1,047
Consumer loans | Land - consumer lot loans
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	3,214	3,945	3,512	5,047
Charge-offs	0	0	0	0
Recoveries	2	9	57	14
Provision & Transfers	(568)	(184)	(921)	(1,291)
Ending Allowance	2,648	3,770	2,648	3,770
Provision and transfers	(568)	(184)	(921)	(1,291)
Consumer loans | HELOC
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	2,974	2,662	2,859	2,482
Charge-offs	0	0	0	0
Recoveries	1	0	3	1
Provision & Transfers	(51)	81	62	260
Ending Allowance	2,924	2,743	2,924	2,743
Provision and transfers	(51)	81	62	260
Consumer loans | Consumer
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Allowance	3,004	2,776	2,832	2,875
Charge-offs	(151)	(74)	(513)	(258)
Recoveries	317	131	553	448
Provision & Transfers	77	234	375	2
Ending Allowance	3,247	3,067	3,247	3,067
Provision and transfers	$ 77	$ 234	$ 375	$ 2

Allowance for Losses on Loans_2

Allowance for Losses on Loans - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Provision for credit losses	$ 1,500	$ 9,000	$ 17,500	$ 15,000
Charge-offs, net of recoveries	1,253	$ 10,351	1,286	$ 15,739
Gross loans	$ 21,077,743		$ 21,077,743		$ 17,653,757
Percent past due	0.22%		0.22%		0.36%
Financial Asset Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 61,268		$ 61,268		$ 50,422
Non-Performing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross loans	$ 68,787		$ 68,787		$ 57,924
Ratio of non-performing assets to total assets	0.24%		0.24%		0.26%

Allowance for Losses on Loans_3

Allowance for Losses on Loans - Internally Assigned Grade (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	$ 21,077,743	$ 17,653,757
Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	$ 20,449,019	$ 17,246,669
Pass | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	97.02%	97.69%
Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	$ 243,895	$ 101,922
Special mention | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	1.16%	0.58%
Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	$ 384,829	$ 305,166
Substandard | Accounts Receivable | Credit Concentration Risk
Financing Receivable, Credit Quality Indicator [Line Items]
Total grade as a % of total loans	1.84%	1.73%
Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross 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]
Gross 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]
Gross loans	$ 12,246,080	$ 10,507,610
Commercial loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	11,639,097	10,119,666
Commercial loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	243,895	101,922
Commercial loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	363,088	286,022
Commercial loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	4,513,323	2,886,594
Commercial loans | Multi-family | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	4,357,741	2,772,538
Commercial loans | Multi-family | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	99,779	90,428
Commercial loans | Multi-family | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	55,803	23,628
Commercial loans | Multi-family | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Multi-family | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	3,746,945	3,310,101
Commercial loans | Commercial real estate | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	3,597,165	3,207,596
Commercial loans | Commercial real estate | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	42,206	4,847
Commercial loans | Commercial real estate | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	107,574	97,658
Commercial loans | Commercial real estate | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Commercial real estate | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	2,389,236	2,315,318
Commercial loans | Commercial & industrial | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	2,116,078	2,164,876
Commercial loans | Commercial & industrial | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	90,382	6,647
Commercial loans | Commercial & industrial | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	182,776	143,795
Commercial loans | Commercial & industrial | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Commercial & industrial | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	1,440,152	1,838,936
Commercial loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	1,412,102	1,818,266
Commercial loans | Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	11,189	0
Commercial loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	16,861	20,670
Commercial loans | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Construction | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	156,424	156,661
Commercial loans | Land - acquisition & development | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	156,011	156,390
Commercial loans | Land - acquisition & development | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	339	0
Commercial loans | Land - acquisition & development | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	74	271
Commercial loans | Land - acquisition & development | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Commercial loans | Land - acquisition & development | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	8,831,663	7,146,147
Consumer loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	8,809,922	7,127,003
Consumer loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	21,741	19,144
Consumer loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	190,433	324,451
Consumer loans | Construction | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	190,345	324,363
Consumer loans | Construction | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Construction | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	88	88
Consumer loans | Construction | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Construction | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	8,186,361	6,388,990
Consumer loans | Single-family residential | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	8,165,936	6,370,936
Consumer loans | Single-family residential | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Single-family residential | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	20,425	18,054
Consumer loans | Single-family residential | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Single-family residential | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	111,574	124,842
Consumer loans | Land - consumer lot loans | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	111,125	124,588
Consumer loans | Land - consumer lot loans | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Land - consumer lot loans | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	449	254
Consumer loans | Land - consumer lot loans | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Land - consumer lot loans | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	258,833	237,754
Consumer loans | HELOC | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	258,075	237,018
Consumer loans | HELOC | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | HELOC | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	758	736
Consumer loans | HELOC | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | HELOC | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	84,462	70,110
Consumer loans | Consumer | Pass
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	84,441	70,098
Consumer loans | Consumer | Special mention
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Consumer | Substandard
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	21	12
Consumer loans | Consumer | Doubtful
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	0	0
Consumer loans | Consumer | Loss
Financing Receivable, Credit Quality Indicator [Line Items]
Gross loans	$ 0	$ 0

Allowance for Losses on Loans_4

Allowance for Losses on Loans - Credit Risk Profile Based on Payment Activity (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 21,077,743	$ 17,653,757
Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	12,246,080	10,507,610
Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	4,513,323	2,886,594
Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	3,746,945	3,310,101
Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	2,389,236	2,315,318
Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	1,440,152	1,838,936
Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	156,424	156,661
Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	8,831,663	7,146,147
Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	190,433	324,451
Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	8,186,361	6,388,990
Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	111,574	124,842
Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	258,833	237,754
Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	84,462	70,110
Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 21,016,475	$ 17,603,335
% of Total Loans	99.70%	99.70%
Performing Loans | Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 12,206,356	$ 10,472,966
% of Total Loans	99.70%	99.70%
Performing Loans | Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 4,503,339	$ 2,881,467
% of Total Loans	99.80%	99.80%
Performing Loans | Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 3,720,537	$ 3,286,666
% of Total Loans	99.30%	99.30%
Performing Loans | Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 2,387,098	$ 2,309,236
% of Total Loans	99.90%	99.70%
Performing Loans | Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 1,439,032	$ 1,838,936
% of Total Loans	99.90%	100%
Performing Loans | Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 156,350	$ 156,661
% of Total Loans	100%	100%
Performing Loans | Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 8,810,119	$ 7,130,369
% of Total Loans	99.80%	99.80%
Performing Loans | Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 190,345	$ 324,363
% of Total Loans	100%	100%
Performing Loans | Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 8,165,939	$ 6,374,072
% of Total Loans	99.80%	99.80%
Performing Loans | Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 111,338	$ 124,833
% of Total Loans	99.80%	100%
Performing Loans | Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 258,075	$ 237,018
% of Total Loans	99.70%	99.70%
Performing Loans | Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 84,422	$ 70,083
% of Total Loans	100%	100%
Non-Performing Loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 61,268	$ 50,422
% of Total Loans	0.30%	0.30%
Non-Performing Loans | Commercial loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 39,724	$ 34,644
% of Total Loans	0.30%	0.30%
Non-Performing Loans | Commercial loans | Multi-family
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 9,984	$ 5,127
% of Total Loans	0.20%	0.20%
Non-Performing Loans | Commercial loans | Commercial real estate
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 26,408	$ 23,435
% of Total Loans	0.70%	0.70%
Non-Performing Loans | Commercial loans | Commercial & industrial
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 2,138	$ 6,082
% of Total Loans	0.10%	0.30%
Non-Performing Loans | Commercial loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 1,120	$ 0
% of Total Loans	0.10%	0%
Non-Performing Loans | Commercial loans | Land - acquisition & development
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 74	$ 0
% of Total Loans	0%	0%
Non-Performing Loans | Consumer loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 21,544	$ 15,778
% of Total Loans	0.20%	0.20%
Non-Performing Loans | Consumer loans | Construction
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 88	$ 88
% of Total Loans	0%	0%
Non-Performing Loans | Consumer loans | Single-family residential
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 20,422	$ 14,918
% of Total Loans	0.20%	0.20%
Non-Performing Loans | Consumer loans | Land - consumer lot loans
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 236	$ 9
% of Total Loans	0.20%	0%
Non-Performing Loans | Consumer loans | HELOC
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 758	$ 736
% of Total Loans	0.30%	0.30%
Non-Performing Loans | Consumer loans | Consumer
Financing Receivable, Credit Quality Indicator [Line Items]
Amount	$ 40	$ 27
% of Total Loans	0%	0%

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	$ 2,428,769	$ 1,995,097
Loans held for sale	468,527	0
Total financial assets	2,826,774	2,350,285
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities, at fair value	2,428,769	1,995,097
Loans held for sale	468,527
Total financial assets	3,173,780	2,308,068
Total financial liabilities	64,075	79,668
Recurring | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	63,374	78,797
Derivative liabilities	64,075	79,668
Recurring | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	2,534	3,405
Recurring | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	59,243	46,396
Recurring | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	151,333	184,373
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
Loans held for sale	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	0
Recurring | Level 1 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Recurring | Level 1 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative 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	2,428,769	1,995,097
Loans held for sale	468,527
Total financial assets	3,173,780	2,308,068
Total financial liabilities	64,075	79,668
Recurring | Level 2 | Client swap program hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	63,374	78,797
Derivative liabilities	64,075	79,668
Recurring | Level 2 | Commercial loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	2,534	3,405
Recurring | Level 2 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	59,243	46,396
Recurring | Level 2 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	151,333	184,373
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
Loans held for sale	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	0
Recurring | Level 3 | Mortgage loan fair value hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0
Recurring | Level 3 | Borrowings cash flow hedges
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative 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	292,775	217,053
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	292,775	217,053
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	507,812	588,016
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	507,812	588,016
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	35,017	34,662
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	35,017	34,662
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	241,167	242,522
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	241,167	242,522
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	1,351,998	912,844
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	1,351,998	912,844
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	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	$ 5,805	$ 38,207	$ 5,805	$ 38,207
Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	4,345	34,535	4,345	34,535
Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	1,460	3,672	1,460	3,672
Changes measurement
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total gains (losses)	(2,714)	(10,651)	(4,914)	(16,871)
Changes measurement | Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total gains (losses)	(2,679)	(10,530)	(3,004)	(16,773)
Changes measurement | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total gains (losses)	(35)	(121)	(1,910)	(98)
Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0	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	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	0	0
Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	0	0	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	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	0	0
Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	5,805	38,207	5,805	38,207
Level 3 | Loans receivable/Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	4,345	34,535	4,345	34,535
Level 3 | Real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair value disclosure	$ 1,460	$ 3,672	$ 1,460	$ 3,672

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details) - USD ($)		9 Months Ended
	Mar. 01, 2024	Jun. 30, 2024	Jun. 30, 2023	Sep. 30, 2023
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Available-for-sale securities purchased		$ 321,308,000	$ 317,027,000
Proceeds from sales of available-for-sale securities		179,215,000	94,000
Held-to-maturity securities purchased		47,092,000	0
Proceeds from sale of held-to-maturity securities		$ 0	$ 0
Term of contractual due dates, mortgage-backed securities		25 years
Accrued interest for available-for-sale securities		$ 9,772,000		$ 8,641,000
Accrued interest for held-to-maturity securities		1,181,000		$ 1,013,000
Luther Burbank
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Acquisition, investments purchased, AFS securities	$ 516,308,000
Acquisition, investments sold, AFS securities	171,000,000
Acquisition, investments purchased, HTM securities	$ 2,570,000
Consumer loans | Single-family residential
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Foreclosed residential real estate properties held as REO		28,000
Real estate acquired through foreclosure		$ 6,134,000

Fair Value Measurements - Fai_3

Fair Value Measurements - Fair Value by Balance Sheet Grouping (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	$ 2,428,769	$ 1,995,097
Held-to-maturity securities, at amortized cost	447,638	423,586
Loans held for sale	468,527	0
FHLB stock	107,282	126,820
Agency pass-through certificates
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Held-to-maturity securities, at amortized cost	447,638	423,586
Carrying Amount
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	2,428,769	1,995,097
Held-to-maturity securities, at amortized cost	447,638	423,586
Carrying Amount | Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	2,492,504	980,649
Carrying Amount | Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	468,527	0
FHLB stock	107,282	126,820
Time deposits	9,255,760	5,305,016
Carrying Amount | Level 2 | Borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	3,934,514	3,650,000
Carrying Amount | Level 2 | Senior Debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	94,361	0
Carrying Amount | Level 2 | Client swap program hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	63,374	78,797
Other liabilities - client swap program hedges	64,075	79,668
Carrying Amount | Level 2 | Commercial loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	2,534	3,405
Carrying Amount | Level 2 | Mortgage loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	59,243	46,396
Carrying Amount | Level 2 | Borrowings cash flow hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	151,333	184,373
Carrying Amount | Level 2 | U.S. government and agency securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	292,775	217,053
Carrying Amount | Level 2 | Asset-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	507,812	588,016
Carrying Amount | Level 2 | Municipal bonds
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	35,017	34,662
Carrying Amount | Level 2 | Corporate debt securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	241,167	242,522
Carrying Amount | Level 2 | Agency pass-through certificates
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	1,351,998	912,844
Held-to-maturity securities, at amortized cost	447,638	423,586
Carrying Amount | Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable	20,873,919	17,476,550
Carrying Amount | Level 3 | Junior subordinated deferrable interest debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	50,485	0
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	2,428,769	1,995,097
Held-to-maturity securities, at amortized cost	398,005	355,188
Estimated Fair Value | Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	2,492,504	980,649
Estimated Fair Value | Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans held for sale	468,527	0
FHLB stock	107,282	126,820
Time deposits	9,188,683	5,232,689
Estimated Fair Value | Level 2 | Borrowings
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	3,929,935	3,653,229
Estimated Fair Value | Level 2 | Senior Debt
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	94,752	0
Estimated Fair Value | Level 2 | Client swap program hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	63,374	78,797
Other liabilities - client swap program hedges	64,075	79,668
Estimated Fair Value | Level 2 | Commercial loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	2,534	3,405
Estimated Fair Value | Level 2 | Mortgage loan fair value hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	59,243	46,396
Estimated Fair Value | Level 2 | Borrowings cash flow hedges
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Other assets	151,333	184,373
Estimated Fair Value | Level 2 | U.S. government and agency securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	292,775	217,053
Estimated Fair Value | Level 2 | Asset-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	507,812	588,016
Estimated Fair Value | Level 2 | Municipal bonds
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	35,017	34,662
Estimated Fair Value | Level 2 | Corporate debt securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	241,167	242,522
Estimated Fair Value | Level 2 | Agency pass-through certificates
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available-for-sale securities, at fair value	1,351,998	912,844
Held-to-maturity securities, at amortized cost	398,005	355,188
Estimated Fair Value | Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable	20,038,322	16,559,758
Estimated Fair Value | Level 3 | Junior subordinated deferrable interest debentures
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	$ 50,535	$ 0

Fair Value Measurements - Inves

Fair Value Measurements - Investments by Contractual Maturity Date (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Amortized Cost, Available-for-sale securities
Amortized cost	$ 2,508,223	$ 2,118,616
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains	6,273	2,910
Gross unrealized loss	(85,727)	(126,429)
Fair Value, Available-for-sale securities
Fair value	$ 2,428,769	$ 1,995,097
Yield, Available-for-sale securities
Yield	4.81%	4.64%
Amortized Cost, Held-to-maturity securities
Held-to-maturity securities	$ 447,638	$ 423,586
Gross Unrealized Gains / Losses, Held-to-maturity securities
Held-to-maturity securities, gross unrealized gains	170	0
Held-to-maturity securities, gross unrealized losses	(49,803)	(68,398)
Fair Value, Held-to-maturity securities
Held-to-maturity securities, fair value	$ 398,005	$ 355,188
Yield, Held-to-maturity securities
Held-to-maturity securities, yield	3.17%	2.88%
Investments	$ 2,955,861	$ 2,542,202
Gross unrealized gains on investments	6,443	2,910
Gross unrealized losses on investments	(135,530)	(194,827)
Total financial assets	$ 2,826,774	$ 2,350,285
Yield on investments	4.51%	4.35%
U.S. government and agency securities
Amortized Cost, Available-for-sale securities
Amortized cost, within 1 year	$ 6,530	$ 3,501
Amortized cost, 1 to 5 years	5,528	18,894
Amortized cost, 5 to 10 years	151,376	87,922
Amortized cost, over 10 years	128,092	106,340
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, within 1 year	3	0
Gross unrealized gains, 1 to 5 years	3	0
Gross unrealized gains, 5 to 10 years	1,205	177
Gross unrealized gains, over 10 years	571	831
Gross unrealized losses, Within 1 year	(4)	(36)
Gross unrealized losses, 1 to 5 years	(233)	(563)
Gross unrealized losses, 5 to 10 years	0	0
Gross unrealized losses, over 10 years	(296)	(13)
Fair Value, Available-for-sale securities
Fair value, within 1 year	6,529	3,465
Fair value, 1 to 5 years	5,298	18,331
Fair value, 5 to 10 years	152,581	88,099
Fair value, over 10 years	$ 128,367	$ 107,158
Yield, Available-for-sale securities
Yield, within 1 year	5.84%	6.06%
Yield, 1 to 5 years	2.82%	4.70%
Yield, 5 to 10 years	6.01%	5.76%
Yield, over 10 years	6.33%	5.84%
Asset-backed securities
Amortized Cost, Available-for-sale securities
Amortized cost, 1 to 5 years	$ 12,369	$ 18,579
Amortized cost, 5 to 10 years	17,411	36,875
Amortized cost, over 10 years	479,681	539,911
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, 1 to 5 years	0	0
Gross unrealized gains, 5 to 10 years	63	2
Gross unrealized gains, over 10 years	672	578
Gross unrealized losses, 1 to 5 years	(334)	(715)
Gross unrealized losses, 5 to 10 years	0	(99)
Gross unrealized losses, over 10 years	(2,050)	(7,115)
Fair Value, Available-for-sale securities
Fair value, 1 to 5 years	12,035	17,864
Fair value, 5 to 10 years	17,474	36,778
Fair value, over 10 years	$ 478,303	$ 533,374
Yield, Available-for-sale securities
Yield, 1 to 5 years	6.10%	6.06%
Yield, 5 to 10 years	6.23%	6.11%
Yield, over 10 years	6.33%	6.35%
Corporate debt securities
Amortized Cost, Available-for-sale securities
Amortized cost, within 1 year	$ 25,043
Amortized cost, 1 to 5 years	119,108	$ 151,893
Amortized cost, 5 to 10 years	112,327	113,221
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, within 1 year	0
Gross unrealized gains, 1 to 5 years	882	895
Gross unrealized gains, 5 to 10 years	0	0
Gross unrealized losses, Within 1 year	(436)
Gross unrealized losses, 1 to 5 years	(163)	(1,787)
Gross unrealized losses, 5 to 10 years	(15,594)	(21,700)
Fair Value, Available-for-sale securities
Fair value, within 1 year	24,607
Fair value, 1 to 5 years	119,827	151,001
Fair value, 5 to 10 years	$ 96,733	$ 91,521
Yield, Available-for-sale securities
Yield, within 1 year	3.50%
Yield, 1 to 5 years	5.58%	5.14%
Yield, 5 to 10 years	3.87%	3.87%
Municipal bonds due
Amortized Cost, Available-for-sale securities
Amortized cost, 5 to 10 years	$ 5,697	$ 5,720
Amortized cost, over 10 years	29,803	29,832
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, 5 to 10 years	0	0
Gross unrealized gains, over 10 years	274	361
Gross unrealized losses, 5 to 10 years	(514)	(701)
Gross unrealized losses, over 10 years	(243)	(550)
Fair Value, Available-for-sale securities
Fair value, 5 to 10 years	5,183	5,019
Fair value, over 10 years	$ 29,834	$ 29,643
Yield, Available-for-sale securities
Yield, 5 to 10 years	3%	3%
Yield, over 10 years	5.85%	5.85%
Agency pass-through certificates
Amortized Cost, Available-for-sale securities
Amortized cost, without single maturity date	$ 1,415,258	$ 1,005,928
Gross Unrealized Gains / Losses, Available-for-sale securities
Gross unrealized gains, without single maturity date	2,600	66
Gross unrealized losses, without single maturity date	(65,860)	(93,150)
Fair Value, Available-for-sale securities
Fair value, without single maturity date	$ 1,351,998	$ 912,844
Yield, Available-for-sale securities
Yield, without single maturity date	4.01%	3.39%
Amortized Cost, Held-to-maturity securities
Held-to-maturity securities	$ 447,638	$ 423,586
Gross Unrealized Gains / Losses, Held-to-maturity securities
Held-to-maturity securities, gross unrealized gains	170	0
Held-to-maturity securities, gross unrealized losses	(49,803)	(68,398)
Fair Value, Held-to-maturity securities
Held-to-maturity securities, fair value	$ 398,005	$ 355,188
Yield, Held-to-maturity securities
Held-to-maturity securities, yield	3.17%	2.88%

Fair Value Measurements - Secur

Fair Value Measurements - Securities in Unrealized Loss Positions (Details) $ in Thousands	Jun. 30, 2024 USD ($) security	Sep. 30, 2023 USD ($) security
Debt Securities, Available-for-sale [Line Items]
Number of debt securities with unrealized loss | security	227	231
Available-for-sale securities
Less than 12 months, unrealized gross losses	$ (1,288)	$ (4,185)
12 months or more, unrealized gross losses	(84,440)	(122,244)
Total unrealized gross losses	(85,728)	(126,429)
Less than 12 months, fair value	311,190	243,952
12 months or more, fair value	1,132,369	1,393,013
Total, fair value	1,443,559	1,636,965
Held-to-maturity securities
Less than 12 months, unrealized gross losses	0	(15)
Less than 12 months, fair value	0	1,424
12 months or more, unrealized gross losses	(49,802)	(68,383)
12 months or more, fair value	345,952	353,764
Total unrealized gross losses	(49,802)	(68,398)
Total, fair value	345,952	355,188
Less than 12 months, unrealized gross losses	(1,288)	(4,200)
Less than 12 months, fair value	311,190	245,376
12 months or more, unrealized gross losses	(134,242)	(190,627)
12 months or more, fair value	1,478,321	1,746,777
Total unrealized gross losses	(135,530)	(194,827)
Total fair value	1,789,511	1,992,153
Corporate debt securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(163)	0
12 months or more, unrealized gross losses	(16,030)	(23,487)
Total unrealized gross losses	(16,193)	(23,487)
Less than 12 months, fair value	19,831	0
12 months or more, fair value	121,341	167,452
Total, fair value	141,172	167,452
Municipal bonds due
Available-for-sale securities
Less than 12 months, unrealized gross losses	0	0
12 months or more, unrealized gross losses	(757)	(1,250)
Total unrealized gross losses	(757)	(1,250)
Less than 12 months, fair value	0	0
12 months or more, fair value	14,743	14,302
Total, fair value	14,743	14,302
U.S. government and agency securities
Available-for-sale securities
Less than 12 months, unrealized gross losses		(13)
12 months or more, unrealized gross losses		(599)
Total unrealized gross losses		(612)
Less than 12 months, fair value		14,917
12 months or more, fair value		21,795
Total, fair value		36,712
Asset-backed securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(336)	(2,142)
12 months or more, unrealized gross losses	(2,583)	(5,788)
Total unrealized gross losses	(2,919)	(7,930)
Less than 12 months, fair value	59,540	86,800
12 months or more, fair value	299,752	445,454
Total, fair value	359,292	532,254
Mortgage-backed securities
Available-for-sale securities
Less than 12 months, unrealized gross losses	(789)	(2,030)
12 months or more, unrealized gross losses	(65,070)	(91,120)
Total unrealized gross losses	(65,859)	(93,150)
Less than 12 months, fair value	231,819	142,235
12 months or more, fair value	696,533	744,010
Total, fair value	$ 928,352	$ 886,245

Derivatives and Hedging Activ_3

Derivatives and Hedging Activities - Summary of Fair Value, Notional Amount and Balance Sheet Classification (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Other assets
Derivatives, Fair Value [Line Items]
Notional amount	$ 4,685,245	$ 2,516,405
Derivative assets, fair value	276,484	312,971
Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	978,203	806,744
Derivative liabilities, fair value	64,075	79,668
Client swap program hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	978,203	806,744
Derivative assets, fair value	63,374	78,797
Client swap program hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	978,203	806,744
Derivative liabilities, fair value	64,075	79,668
Commercial loan fair value hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	37,042	39,661
Derivative assets, fair value	2,534	3,405
Commercial loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	0	0
Derivative liabilities, fair value	0	0
Mortgage loan fair value hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	2,670,000	670,000
Derivative assets, fair value	59,243	46,396
Mortgage loan fair value hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	0	0
Derivative liabilities, fair value	0	0
Borrowings cash flow hedges | Other assets
Derivatives, Fair Value [Line Items]
Notional amount	1,000,000	1,000,000
Derivative assets, fair value	151,333	184,373
Borrowings cash flow hedges | Other liabilities
Derivatives, Fair Value [Line Items]
Notional amount	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 ($)	3 Months Ended	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2024	Sep. 30, 2023
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	$ 7,385,202,000	$ 7,385,202,000	$ 1,816,870,000
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	(40,379,000)	(40,379,000)	(48,865,000)
Mortgage loan fair value hedges
Derivatives, Fair Value [Line Items]
Portfolio layer method, amortized cost	7,350,681,000	7,350,681,000	1,780,503,000
Portfolio layer method, cumulative adjustment, increase (decrease)	(37,908,000)	(37,908,000)	(45,622,000)
Amortized cost, designated in portfolio hedging relationship	2,670,000,000	2,670,000,000	670,000,000
Hedged asset, discontinued	300,000,000	300,000,000
Hedged asset, discontinued, basis adjustment	1,232,211	1,232,211
Commercial loan fair value hedges
Derivatives, Fair Value [Line Items]
Carrying value of hedged items	34,521,000	34,521,000	36,367,000
Cumulative gain (loss) fair value hedge adjustment included in carrying amount of hedged items	$ (2,471,000)	$ (2,471,000)	$ (3,243,000)

Derivatives and Hedging Activ_5

Derivatives and Hedging Activities - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest Rate Swap | Minimum
Derivative [Line Items]
Derivative, maturities	4 months		4 months
Interest Rate Swap | Maximum
Derivative [Line Items]
Derivative, maturities	6 years		6 years
Interest Rate Swap | Weighted average
Derivative [Line Items]
Derivative, maturities	5 years		5 years
Interest rate contracts
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	$ 55	$ (926)	$ 169	$ (900)

Derivatives and Hedging Activ_6

Derivatives and Hedging Activities - Impact of Derivative Instruments on AOCI (Details) - Cash flow hedging - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative [Line Items]
Total pre-tax gain/(loss) recognized in AOCI	$ (3,256)	$ 14,757	$ (33,040)	$ (14,021)
Pay fixed/receive floating swaps on borrowings cash flow hedges
Derivative [Line Items]
Pay fixed/receive floating swaps on borrowings cash flow hedges	$ (3,256)	$ 14,757	$ (33,040)	$ (14,021)

Derivatives and Hedging Activ_7

Derivatives and Hedging Activities - Gains/(Losses) on Derivative Instruments in Fair Value and Cash Flow Accounting Hedging Relationships (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Derivative Instruments, Gain (Loss) [Line Items]
Interest income/(expense), including the effects of fair value and cash flow hedges	$ 337,118	$ 232,167	$ 857,251	$ 659,070
Interest income/(expense), including the effects of fair value and cash flow hedges	(60,396)	(33,718)	(142,399)	(80,877)
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	13,113	4,348	27,123	11,753
Recognized on derivatives	3,044	13,223	(6,937)	3,766
Recognized on hedged items	(1,972)	(13,195)	7,254	(3,367)
Net income/(expense) recognized on fair value hedges	14,185	4,376	27,440	12,152
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	11,718	10,639	35,279	27,370
Amount of derivative gain/(loss) reclassified from AOCI into interest income/expense	0	0	0	0
Net income/(expense) recognized on cash flow hedges	$ 11,718	$ 10,639	$ 35,279	$ 27,370

Derivatives and Hedging Activ_8

Derivatives and Hedging Activities - Impact of Client Swap Program that are Not Designated in Accounting Hedges (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Client swap program hedges
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	$ 55	$ (926)	$ 169	$ (900)
Other noninterest income | Pay fixed/receive floating swap
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	(715)	12,612	(18,410)	(2,409)
Other noninterest income | Receive fixed/pay floating swap
Derivative [Line Items]
Derivative instruments not designated as hedging instruments, gain (loss), net	$ 770	$ (13,538)	$ 18,579	$ 1,509

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Details)	9 Months Ended
	Jun. 30, 2024	Jun. 30, 2023
Revenue from Contract with Customer [Abstract]
Revenue streams percentage, contract with customer	3.30%	4%

Commitment and Contingencies (D

Commitment and Contingencies (Details) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net	$ 20,873,919	$ 17,476,550
FHLB advances
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net	867,606
Unfunded commitments
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable, net	2,990,744
Off-balance-sheet credit reserve	$ 21,500	$ 24,500