CAPITOL FEDERAL FINANCIAL, INC., 10-Q filed on 8/8/2025
Quarterly Report
v3.25.2
Document And Entity Information - shares
 9 Months Ended
Jun. 30, 2025
Aug. 01, 2025
Cover [Abstract]    
Document Type 10-Q  
Quarterly Report indicator true  
Period End Date Jun. 30, 2025  
Transition Report indicator false  
Commission file number 001-34814  
Registrant Name Capitol Federal Financial, Inc.  
State of incorporation MD  
IRS identification number 27-2631712  
Address of principal executive offices location 700 South Kansas Avenue,  
City of principal executive offices location Topeka,  
State of principal executive offices location KS  
Zip code of principal executive offices location 66603  
Telephone number - Area code 785  
Telephone number 235-1341  
Title of security class Common Stock, par value $0.01 per share  
Trading symbol CFFN  
Name of exchange on which securities are registered NASDAQ  
Entity current reporting status indicator Yes  
Interactive data current reporting status indicator Yes  
Filer category Large Accelerated Filer  
Smaller Reporting Company indicator false  
Emerging Growth Company indicator false  
Shell company indicator false  
Entity Common Stock, Shares Outstanding   132,822,565
Entity Central Index Key 0001490906  
Current Fiscal Year End Date --09-30  
Document Fiscal Year Focus 2025  
Document Fiscal Period Focus Q3  
Amendment Flag false  
v3.25.2
Consolidated Balance Sheets - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
ASSETS:    
Cash and cash equivalents (includes interest-earning deposits of $150,552 and $192,138) $ 174,965 $ 217,307
Available-for-sale ("AFS") securities, at estimated fair value (amortized cost of $933,360 and $829,852) 956,229 856,266
Loans receivable, net (allowance for credit losses ("ACL") of $22,808 and $23,035) 8,023,554 7,907,338
Federal Home Loan Bank Topeka ("FHLB") stock, at cost 98,225 101,175
Premises and equipment, net 88,967 91,463
Income taxes receivable, net 1,070 359
Deferred income tax assets, net 21,399 21,978
Other assets 328,330 331,722
TOTAL ASSETS 9,692,739 9,527,608
LIABILITIES:    
Deposits 6,431,137 6,129,982
Borrowings 2,071,585 2,179,564
Advances by borrowers 38,857 61,801
Other liabilities 105,002 123,991
Total liabilities 8,646,581 8,495,338
STOCKHOLDERS' EQUITY:    
Preferred stock, $.01 par value; 100,000,000 shares authorized, no shares issued or outstanding 0 0
Common stock, $.01 par value; 1,400,000,000 shares authorized, 132,800,865 and 132,735,565 shares issued and outstanding as of June 30, 2025 and September 30, 2024, respectively 1,328 1,327
Additional paid-in capital 1,146,648 1,146,851
Unearned compensation, Employee Stock Ownership Plan ("ESOP") (25,193) (26,431)
Accumulated deficit (95,078) (111,104)
Accumulated other comprehensive income ("AOCI"), net of tax 18,453 21,627
Total stockholders' equity 1,046,158 1,032,270
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 9,692,739 $ 9,527,608
v3.25.2
Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Statement of Financial Position [Abstract]    
Interest-earning deposits $ 150,552 $ 192,138
Available-for-sale securities, amortized cost 933,360 829,852
Loans receivable, allowance for credit losses $ 22,808 $ 23,035
Preferred stock, par value $ 0.01 $ 0.01
Preferred stock, shares authorized 100,000,000 100,000,000
Preferred stock, shares issued 0 0
Preferred stock, shares outstanding 0 0
Common stock, par value $ 0.01 $ 0.01
Common stock, shares authorized 1,400,000,000 1,400,000,000
Common stock, shares issued 132,800,865 132,735,565
Common stock, shares outstanding 132,800,865 132,735,565
v3.25.2
Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST AND DIVIDEND INCOME:        
Loans receivable $ 82,914 $ 76,803 $ 245,175 $ 228,866
Mortgage-backed securities ("MBS") 12,163 9,585 34,451 23,238
FHLB stock 2,197 2,477 6,834 7,591
Cash and cash equivalents 1,620 3,875 6,220 13,166
Investment securities 784 2,255 2,795 7,115
Total interest and dividend income 99,678 94,995 295,475 279,976
INTEREST EXPENSE:        
Deposits 35,860 36,233 109,058 102,091
Borrowings 18,360 18,438 54,889 56,648
Total interest expense 54,220 54,671 163,947 158,739
NET INTEREST INCOME 45,458 40,324 131,528 121,237
Provision for credit losses (451) 1,472 226 1,896
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 45,909 38,852 131,302 119,341
NON-INTEREST INCOME:        
Net loss from securities transactions 0 0 0 (13,345)
Other non-interest income 1,537 1,098 4,177 3,568
Total non-interest income 5,288 4,709 14,934 458
NON-INTEREST EXPENSE:        
Salaries and employee benefits 15,277 13,307 44,447 39,186
Information technology and related expense 5,163 5,364 14,637 15,687
Occupancy, net 3,270 3,263 10,105 10,116
Regulatory and outside services 1,261 1,322 3,843 4,345
Federal insurance premium 1,072 1,352 3,205 4,939
Advertising and promotional 1,453 951 3,035 3,210
Deposit and loan transaction costs 715 726 2,185 2,135
Office supplies and related expense 370 405 1,206 1,185
Other non-interest expense 983 1,260 3,589 4,100
Total non-interest expense 29,564 27,950 86,252 84,903
INCOME BEFORE INCOME TAX EXPENSE 21,633 15,611 59,984 34,896
INCOME TAX EXPENSE 3,251 5,963 10,772 8,943
NET INCOME $ 18,382 $ 9,648 $ 49,212 $ 25,953
Basic earnings per share ("EPS") $ 0.14 $ 0.07 $ 0.38 $ 0.20
Diluted EPS $ 0.14 $ 0.07 $ 0.38 $ 0.20
Basic weighted average common shares 130,081,065 129,866,397 130,026,451 130,923,888
Diluted weighted average common shares 130,081,065 129,866,397 130,026,451 130,923,888
Deposit service fees [Member]        
NON-INTEREST INCOME:        
Revenue from contracts with customers $ 2,867 $ 2,706 $ 8,170 $ 7,732
Insurance commissions [Member]        
NON-INTEREST INCOME:        
Revenue from contracts with customers $ 884 $ 905 $ 2,587 $ 2,503
v3.25.2
Consolidated Statements Of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Statement of Comprehensive Income [Abstract]        
Net income $ 18,382 $ 9,648 $ 49,212 $ 25,953
Unrealized (losses) gains on AFS securities arising during the period, net of taxes of $(734), $804, $856, and $(2,780) 2,303 (2,412) (2,689) 8,698
Reclassification adjustment for gross gains on AFS securities included in net income, net of taxes of $0, $0, $0, and $383 0 0 0 1,188
Unrealized gains (losses) on cash flow hedges arising during the period, net of taxes of $110, $(244), $(421), and $(91) (345) 829 1,324 352
Reclassification adjustment for cash flow hedge amounts included in net income, net of taxes of $177, $502, $576, and $1,670 557 1,561 1,809 5,179
Comprehensive income $ 19,783 $ 6,504 $ 46,038 $ 28,636
v3.25.2
Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Statement of Comprehensive Income [Abstract]        
Changes in unrealized gains/losses on AFS securities, tax $ (734) $ 804 $ 856 $ (2,780)
Amount reclassified from AOCI for sale of AFS securities, tax 0 0 0 (383)
Changes in unrealized gains/losses on cash flow hedges, tax 110 (244) (421) (91)
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax $ (177) $ (502) $ (576) $ (1,670)
v3.25.2
Consolidated Statements Of Stockholders' Equity - USD ($)
$ in Thousands
Total
Cumulative effect of adopting Accounting Standards Update ("ASU") 2022-02, net of tax [Member]
Common Stock [Member]
Additional Paid-In Capital [Member]
Unearned Compensation ESOP [Member]
Accumulated Deficit [Member]
Accumulated Deficit [Member]
Cumulative effect of adopting Accounting Standards Update ("ASU") 2022-02, net of tax [Member]
AOCI [Member]
Balance at Sep. 30, 2023 $ 1,044,054   $ 1,359 $ 1,166,643 $ (28,083) $ (104,565)   $ 8,700
Balance (Accounting Standards Update 2022-02 [Member]) at Sep. 30, 2023   $ (27)         $ (27)  
Net income 2,543         2,543    
Other comprehensive (loss) income, net of tax 10,455             10,455
ESOP activity 222     (190) 412      
Restricted stock activity, net (6)     (6)        
Stock-based compensation 87     87        
Repurchase of common stock (11,899)   (20) (11,879)        
Cash dividends to stockholders (11,308)         (11,308)    
Balance at Dec. 31, 2023 1,034,121   1,339 1,154,655 (27,671) (113,357)   19,155
Balance at Sep. 30, 2023 1,044,054   1,359 1,166,643 (28,083) (104,565)   8,700
Balance (Accounting Standards Update 2022-02 [Member]) at Sep. 30, 2023   $ (27)         $ (27)  
Net income 25,953              
Other comprehensive (loss) income, net of tax               2,683
Balance at Jun. 30, 2024 1,020,676   1,327 1,146,928 (26,844) (112,118)   11,383
Balance at Dec. 31, 2023 1,034,121   1,339 1,154,655 (27,671) (113,357)   19,155
Net income 13,762         13,762    
Other comprehensive (loss) income, net of tax (4,628)             (4,628)
ESOP activity 245     (168) 413      
Restricted stock activity, net (2)   1 (3)        
Stock-based compensation 82     82        
Repurchase of common stock (7,550)   (13) (7,537)        
Cash dividends to stockholders (11,127)         (11,127)    
Balance at Mar. 31, 2024 1,024,903   1,327 1,147,029 (27,258) (110,722)   14,527
Net income 9,648         9,648    
Other comprehensive (loss) income, net of tax (3,144)             (3,144)
ESOP activity 217     (197) 414      
Restricted stock activity, net (1)     (1)        
Stock-based compensation 97     97        
Cash dividends to stockholders (11,044)         (11,044)    
Balance at Jun. 30, 2024 1,020,676   1,327 1,146,928 (26,844) (112,118)   11,383
Balance at Sep. 30, 2024 1,032,270   1,327 1,146,851 (26,431) (111,104)   21,627
Net income 15,431         15,431    
Other comprehensive (loss) income, net of tax (10,065)             (10,065)
ESOP activity 263     (149) 412      
Restricted stock activity, net 0   1 (1)        
Stock-based compensation 101     101        
Cash dividends to stockholders (11,061)         (11,061)    
Balance at Dec. 31, 2024 1,026,939   1,328 1,146,802 (26,019) (106,734)   11,562
Balance at Sep. 30, 2024 1,032,270   1,327 1,146,851 (26,431) (111,104)   21,627
Net income 49,212              
Other comprehensive (loss) income, net of tax               (3,174)
Balance at Jun. 30, 2025 1,046,158   1,328 1,146,648 (25,193) (95,078)   18,453
Balance at Dec. 31, 2024 1,026,939   1,328 1,146,802 (26,019) (106,734)   11,562
Net income 15,399         15,399    
Other comprehensive (loss) income, net of tax 5,490             5,490
ESOP activity 241     (172) 413      
Stock-based compensation 103     103        
Cash dividends to stockholders (11,062)         (11,062)    
Balance at Mar. 31, 2025 1,037,110   1,328 1,146,733 (25,606) (102,397)   17,052
Net income 18,382         18,382    
Other comprehensive (loss) income, net of tax 1,401             1,401
ESOP activity 234     (179) 413      
Restricted stock activity, net (2)     (2)        
Stock-based compensation 96     96        
Cash dividends to stockholders (11,063)         (11,063)    
Balance at Jun. 30, 2025 $ 1,046,158   $ 1,328 $ 1,146,648 $ (25,193) $ (95,078)   $ 18,453
v3.25.2
Consolidated Statements Of Stockholders' Equity (Parenthetical) - $ / shares
 3 Months Ended
Jun. 30, 2025
Mar. 31, 2025
Dec. 31, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Statement of Stockholders' Equity [Abstract]            
Cash dividends to stockholders $ 0.085 $ 0.085 $ 0.085 $ 0.085 $ 0.085 $ 0.085
v3.25.2
Consolidated Statements Of Cash Flows - USD ($)
$ in Thousands
 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 49,212 $ 25,953
Adjustments to reconcile net income to net cash provided by operating activities:    
FHLB stock dividends (6,834) (7,591)
Provision for credit losses 226 1,896
Originations of loans receivable held-for-sale ("LHFS") (1,990) (425)
Proceeds from sales of LHFS 3,629 431
Amortization and accretion of premiums and discounts on securities (2,491) (7,327)
Depreciation and amortization of premises and equipment 5,440 6,084
Amortization of intangible assets 411 589
Amortization of deferred amounts related to FHLB advances, net 1,080 1,143
Common stock committed to be released for allocation - ESOP 738 684
Stock-based compensation 300 266
Net loss from securities transactions 0 13,345
Changes in:    
Unrestricted cash collateral from derivative counterparties, net (440) (6,730)
Other assets, net 2,119 3,301
Income taxes receivable, net (727) 8,374
Deferred income tax assets, net 1,595 (1,331)
Other liabilities (18,751) (4,387)
Net cash provided by operating activities 33,517 34,275
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchase of AFS securities (248,207) (1,059,833)
Proceeds from calls, maturities and principal reductions of AFS securities 147,190 373,739
Proceeds from sale of AFS securities 0 1,272,512
Proceeds from the redemption of FHLB stock 11,515 11,996
Purchase of FHLB stock (1,731) 0
Net change in loans receivable (117,839) 35,187
Purchase of premises and equipment (3,550) (5,408)
Proceeds from sale of other real estate owned ("OREO") 110 464
Proceeds from sale of premises and equipment 43 0
Proceeds from sale of assets held-for-sale 0 629
Proceeds from bank-owned life insurance ("BOLI") death benefit 667 1,049
Net cash (used in) provided by investing activities (211,802) 630,335
CASH FLOWS FROM FINANCING ACTIVITIES:    
Cash dividends paid (33,186) (33,479)
Net change in deposits 301,155 78,440
Proceeds from borrowings 650,100 275,100
Repayments on borrowings 758,635 864,864
Change in advances by borrowers (22,944) (28,142)
Payment of FHLB prepayment penalties (547) 0
Repurchase of common stock 0 (19,449)
Net cash provided by (used in) financing activities 135,943 (592,394)
NET (DECREASE) / INCREASE IN CASH AND CASH EQUIVALENTS (42,342) 72,216
CASH AND CASH EQUIVALENTS:    
Beginning of period 217,307 245,605
End of period $ 174,965 $ 317,821
v3.25.2
Summary Of Significant Accounting Policies
 9 Months Ended
Jun. 30, 2025
Accounting Policies [Abstract]  
Summary Of Significant Accounting Policies SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Basis of Presentation - The consolidated financial statements include the accounts of Capitol Federal Financial, Inc.® (the "Company") and its wholly-owned subsidiary, Capitol Federal Savings Bank (the "Bank"). The Bank has two wholly-owned subsidiaries, Capitol Funds, Inc. and Capital City Investments, Inc. Capitol Funds, Inc. has a wholly-owned subsidiary, Capitol Federal Mortgage Reinsurance Company. Capital City Investments, Inc. is a real estate and investment holding company. All intercompany accounts and transactions have been eliminated in consolidation. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. These statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the fiscal year ended September 30, 2024, filed with the Securities and Exchange Commission ("SEC"). Interim results are not necessarily indicative of results for a full year.

Recent Accounting Pronouncements - In October 2023, the Financial Accounting Standards Board ("FASB") issued ASU 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC's Disclosure Update and Simplification Initiative. This ASU incorporates a variety of Topics into the FASB Accounting Standards Codification (the "Codification") that are currently included in SEC Regulations S-X and S-K. The ASU is intended to align the accounting standards of GAAP with SEC Regulations S-X and S-K. Each amendment in the ASU will only become effective for the Company if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments will be applied prospectively by the Company. The adoption of this ASU may result in disclosures currently presented outside of the Company's financial statements being relocated to the Company's financial statements. If the SEC has not removed the applicable requirements from Regulation S-X or S-K by June 30, 2027, the pending content of the related amendment will be removed from the Codification and will not become effective for the Company. The ASU is not expected to have a material impact on the Company's disclosures as the Company is currently subject to SEC Regulations S-X and S-K.

In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures. This ASU requires enhanced disclosures of segment information for all public entities, including those that have a single reportable segment, primarily in the area of significant segment expenses and other items on an annual and interim basis. Entities that have a single reportable segment, like the Company, will be required to provide all the disclosures required by this ASU and all existing segment disclosures required by Accounting Standards Codification ("ASC") 280, Segment Reporting. This ASU is effective for fiscal years beginning after December 15, 2023, which is the fiscal year ending September 30, 2025 for the Company, and interim periods within fiscal years beginning after December 15, 2024, which is the quarter ending December 31, 2025 for the Company. The Company is currently evaluating the effect this ASU will have on the Company's segment disclosures.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740) - Improvements to Income Tax Disclosures. This ASU requires public business entities to provide additional annual disclosures regarding specific categories of the income tax rate reconciliation using both percentages and currency amounts with certain reconciling items being further broken out by nature and jurisdiction to the extent those items exceed a certain quantitative threshold. The ASU also requires annual disclosures of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes and the amount of income taxes paid (net of refunds received) disaggregated by individual jurisdictions that meet a certain quantitative threshold. This ASU also discontinues certain other income tax disclosures. The ASU is effective for public business entities for annual periods beginning after December 15, 2024 which is the fiscal year ending September 30, 2026 for the Company. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. This ASU should be applied on a prospective basis; however, retrospective application is permitted. The Company's financial condition, results of operations and cash flows will not be impacted by this guidance; however, the guidance will impact the Company's income tax footnote disclosures. The Company is currently evaluating the effect this ASU will have on the Company's income tax footnote disclosures.

In March 2024, the FASB issued ASU 2024-02, Codification Improvements - Amendments to Remove References to the Concepts Statements. This ASU removes references to various FASB Concept Statements to simplify the Codification and provide a distinction between authoritative and nonauthoritative literature. This ASU is effective for the Company on October 1, 2025, starting with its Form 10-K for the fiscal year ending September 30, 2026. The Company is currently evaluating this ASU, but it is not expected to have a significant impact on the Company's consolidated financial condition or results of operation or the Company's disclosures.

In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures. This ASU requires additional expense disclosures by public entities in the notes to the financial statements. The ASU outlines the specific costs that are required to be disclosed, which include costs such as: purchases of inventory, employee
compensation, depreciation, intangible asset amortization, selling costs, and depreciation, depletion, and amortization related to oil and gas production. It also requires qualitative descriptions of the amounts remaining in the relevant expense income statement captions that are not separately disaggregated quantitatively in the notes to the financial statements and the entity's definition of selling expenses. The disclosures are required for each interim and annual reporting period. The ASU is effective for fiscal years beginning after December 15, 2026, which is the fiscal year ending September 30, 2028 for the Company. In January 2025, the FASB issued ASU 2025-1, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures: Clarifying the Effective Date. The FASB clarified the interim date reporting when an entity adopts ASU 2024-03. Per ASU 2025-01, ASU 2024-03 is effective for interim periods within fiscal years beginning after December 15, 2027, which is the quarter ending December 31, 2028 for the Company. The Company is currently evaluating the effect this ASU will have on the Company's expense disclosures in the notes to the consolidated financial statements.
v3.25.2
Earnings Per Share
 9 Months Ended
Jun. 30, 2025
Earnings Per Share [Abstract]  
Earnings Per Share EARNINGS PER SHARE
Shares acquired by the ESOP are not included in basic average shares outstanding until the shares are committed for allocation or vested to an employee's individual account. Unvested shares awarded pursuant to the Company's restricted stock benefit plans are treated as participating securities in the computation of EPS pursuant to the two-class method, as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security.
For the Three Months EndedFor the Nine Months Ended
June 30, June 30,
2025202420252024
(Dollars in thousands, except per share amounts)
Net income$18,382 $9,648 $49,212 $25,953 
Income allocated to participating securities(22)(10)(58)(21)
Net income available to common stockholders$18,360 $9,638 $49,154 $25,932 
Total basic average common shares outstanding130,081,065 129,866,397 130,026,451 130,923,888 
Effect of dilutive stock options— — — — 
Total diluted average common shares outstanding130,081,065 129,866,397 130,026,451 130,923,888 
Net EPS:
Basic$0.14 $0.07 $0.38 $0.20 
Diluted$0.14 $0.07 $0.38 $0.20 
Antidilutive stock options, excluded from the diluted average
common shares outstanding calculation242,728 324,374 274,502 328,827 
v3.25.2
Securities
 9 Months Ended
Jun. 30, 2025
Marketable Securities [Abstract]  
Securities SECURITIES
The following tables reflect the amortized cost, estimated fair value, and gross unrealized gains and losses of AFS securities at the dates presented. The majority of our AFS securities at both dates were government guaranteed or issued by a Government Sponsored Enterprise ("GSE").
June 30, 2025
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
(Dollars in thousands)
MBS$874,360 $23,527 $312 $897,575 
GSE debentures55,000 4 49 54,955 
Corporate bonds4,000 — 301 3,699 
$933,360 $23,531 $662 $956,229 
September 30, 2024
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
(Dollars in thousands)
MBS$756,775 $26,885 $87 $783,573 
GSE debentures69,077 228 — 69,305 
Corporate bonds4,000 — 612 3,388 
$829,852 $27,113 $699 $856,266 

At June 30, 2025, AFS securities included $827.8 million of residential MBS and $69.7 million of commercial MBS. At September 30, 2024, AFS securities included $713.3 million of residential MBS and $70.2 million of commercial MBS.

The following tables summarize the estimated fair value and gross unrealized losses of those AFS securities on which an unrealized loss at the dates presented was reported and the continuous unrealized loss position for less than 12 months and equal to or greater than 12 months as of the dates presented.
June 30, 2025
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
(Dollars in thousands)
MBS$73,329 $244 $8,348 $68 
GSE debentures44,951 49 — — 
Corporate bonds— — 3,699 301 
$118,280 $293 $12,047 $369 
September 30, 2024
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
(Dollars in thousands)
MBS$10,997 $44 $2,919 $43 
Corporate bonds— — 3,388 612 
$10,997 $44 $6,307 $655 
The unrealized losses at June 30, 2025 were a result of an increase in market yields from the time the securities were purchased. In general, as market yields rise, the fair value of securities will decrease; as market yields fall, the fair value of securities will increase. Management did not record an ACL on securities in an unrealized loss position at June 30, 2025, as management did not believe any of the securities were impaired due to credit quality reasons. The issuers of these securities continue to make scheduled and timely principal and interest payments, as applicable, under the contractual term of the securities, so management believes the entire principal balance will be collected as scheduled. Additionally, management does not have the intent to sell any of the securities, and believes that it is more likely than not that the Company will not be required to sell the securities before the recovery of the remaining amortized cost, which could be at maturity. The fair value is expected to recover as the securities approach their maturity date, if not before, or if market yields decline.

The amortized cost and estimated fair value of AFS debt securities as of June 30, 2025, by contractual maturity, are shown below.  Actual principal repayments may differ from contractual maturities due to prepayment or early call privileges by the issuer. In the case of MBS, borrowers on the underlying loans generally have the right to prepay their loans without penalty. For this reason, MBS are not included in the maturity category in the table below.
AmortizedEstimated
CostFair Value
(Dollars in thousands)
Five years through ten years$59,000 $58,654 
59,000 58,654 
MBS874,360 897,575 
$933,360 $956,229 

The following table presents the taxable and non-taxable components of interest income on investment securities for the periods presented.
For the Three Months Ended For the Nine Months Ended
June 30, June 30,
2025202420252024
(Dollars in thousands)
Taxable$784 $2,255 $2,795 $7,113 
Non-taxable— — — 2 
$784 $2,255 $2,795 $7,115 

The following table summarizes the carrying value of securities pledged as collateral for the obligations indicated below as of the dates presented.
 June 30, 2025September 30, 2024
(Dollars in thousands)
Public unit deposits$154,802 $108,748 
Federal Reserve Bank of Kansas City ("FRB of Kansas City") borrowings95,307 111,281 
$250,109 $220,029 
.

The Bank sold $1.30 billion of AFS securities during fiscal year 2024. The Bank received gross proceeds of $1.27 billion from the sale and realized gross losses of $14.9 million and gross gains of $1.6 million, resulting in a net loss of $13.3 million on the sale during fiscal year 2024. All other dispositions of securities during the current and prior year periods were the result of principal repayments, calls, or maturities.
v3.25.2
Loans Receivable And Allowance For Credit Losses
 9 Months Ended
Jun. 30, 2025
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]  
Loans Receivable And Allowance For Credit Losses LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES
Loans receivable, net at the dates presented is summarized as follows:
June 30, 2025September 30, 2024
(Dollars in thousands)
One- to four-family:
Originated$3,828,171 $3,941,952 
Correspondent purchased2,058,749 2,212,587 
Bulk purchased116,706 127,161 
Construction14,860 22,970 
Total6,018,486 6,304,670 
Commercial:
Commercial real estate1,561,691 1,191,624 
Commercial and industrial 184,390 129,678 
Construction165,760 187,676 
Total1,911,841 1,508,978 
Consumer:
Home equity103,564 99,988 
Other9,109 9,615 
Total112,673 109,603 
Total loans receivable8,043,000 7,923,251 
Less:
ACL22,808 23,035 
Deferred loan fees/discounts31,159 30,336 
Premiums/deferred costs(34,521)(37,458)
$8,023,554 $7,907,338 
Lending Practices and Underwriting Standards - The Bank originates one- to four-family loans, originates and participates in commercial loans, and originates consumer loans primarily secured by one- to four-family residential properties. The Bank has historically purchased one- to four-family loans from correspondent lenders, but during the prior fiscal year, the Bank suspended its one- to four-family correspondent lending channels for the foreseeable future.

One- to four-family loans - Full documentation to support an applicant's credit and income, and sufficient funds to cover all applicable fees and reserves at closing, are required on all loans. Properties securing one- to four-family loans are appraised by either staff appraisers or fee appraisers, both of which are independent of the loan origination function.

The underwriting standards for loans purchased from correspondent lenders were generally similar to the Bank's internal underwriting standards. The underwriting of loans purchased from correspondent lenders was performed by the Bank's underwriters on a loan-by-loan basis.

The Bank also originates owner-occupied construction-to-permanent loans secured by one- to four-family residential real estate. Construction draw requests and the supporting documentation are reviewed and approved by designated personnel. The Bank also performs regular documented inspections of the construction project to ensure the funds are being used for the intended purpose and the project is being completed according to the plans and specifications provided.

Commercial loans - The Bank's commercial loan portfolio includes loans originated by the Bank or in participation with a lead bank. For commercial participation loans, the Bank performs the same underwriting procedures as if the loan was originated by the Bank.

When underwriting a commercial real estate or commercial construction loan, several factors are considered, such as the income producing potential of the property, cash equity provided by the borrower, the financial strength of the borrower, managerial expertise of the borrower or tenant, feasibility studies, lending experience with the borrower and the marketability of the property. At the time of origination, loan-
to-value ("LTV") ratios on commercial real estate loans generally do not exceed 85% of the appraised value of the property securing the loans and the minimum debt service coverage ratio ("DSCR") is generally 1.15x. The Bank generally requires a guaranty on all commercial real estate loans, but for an experienced borrower with a strong DSCR and low LTV ratio, the Bank may allow the guaranty percentage to be reduced or phased out, or the Bank may originate the loan as a non-recourse loan.

For commercial construction loans, LTV ratios generally do not exceed 80% of the projected appraised value of the property securing the loans and the minimum DSCR is generally 1.15x, but it applies to the projected cash flows, and the borrower must have successful experience with the construction and operation of properties similar to the subject property. Appraisals on properties securing these loans are performed by independent state certified fee appraisers. For construction loans, guaranties are typically required during the period of construction. After construction is complete, for select experienced borrowers that have a strong DSCR and low LTV ratio, the guaranty may be reduced or phased out when the property meets certain performance metrics. Additionally, the Bank generally requires the borrower to contribute equity at the start of a project and prior to any Bank funding.

The Bank's commercial and industrial loans are generally made to borrowers and secured by assets located in the Bank's market areas and are underwritten on the basis of the borrower's ability to service the debt from income. Working capital loans are primarily collateralized by short-term assets whereas term loans are primarily collateralized by longer-term assets. In general, commercial and industrial loans involve different types of credit risk than commercial real estate loans due to the nature of the loans and the type of collateral securing the loans. As a result of these complexities, variables and risks, commercial and industrial loans generally require evaluation of different metrics and factors before origination and require more monitoring and servicing after origination than other types of loans.

Management regularly monitors the level of risk in the entire commercial loan portfolio, including concentrations in factors such as collateral types, geographic locations, tenant brand name, borrowing relationships, and, in the case of participation loans, lending relationships, among other factors. Commercial loans that have an outstanding balance of $1.5 million or more, or borrowing relationships with a total relationship exposure of $5.0 million or more, are reviewed no less often than annually to monitor financial performance. The annual reviews include evaluating updated financials, as well as performing stress tests to measure the ability of the borrowers to withstand certain stress scenarios such as interest rate increases, revenue decreases and expense increases.

Consumer loans - The Bank offers a variety of consumer loans, the majority of which are home equity loans and lines of credit for which the Bank also has the first mortgage or the first lien position.

The underwriting standards for consumer loans include a determination of an applicant's payment history on other debts and an assessment of an applicant's ability to meet existing obligations and payments on the proposed loan. Although creditworthiness of an applicant is a primary consideration, the underwriting process also includes a comparison of the value of the security in relation to the proposed loan amount.
Credit Quality Indicators - Based on the Bank's lending emphasis and underwriting standards, management has segmented the loan portfolio into three segments: (1) one- to four-family; (2) consumer; and (3) commercial. These segments are further divided into classes for purposes of providing disaggregated credit quality information about the loan portfolio. The classes are: one- to four-family - originated, one- to four-family - correspondent purchased, one- to four-family - bulk purchased, consumer - home equity, consumer - other, commercial - commercial real estate, and commercial - commercial and industrial. One- to four-family construction loans are included in the originated class and commercial construction loans are included in the commercial real estate class. As part of the on-going monitoring of the credit quality of the Company's loan portfolio, management tracks certain credit quality indicators including trends related to loan classification and delinquency status.
Loan Classification - In accordance with the Bank's asset classification policy, management regularly reviews the problem loans in the Bank's portfolio to determine whether any require classification. Loan classifications are defined as follows:
•Special mention - These loans are performing loans on which known information about the collateral pledged or the possible credit problems of the borrower(s) have caused management to have doubts as to the ability of the borrower(s) to comply with present loan repayment terms and which may result in the future inclusion of such loans in the nonaccrual loan categories.
•Substandard - A loan is considered substandard if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard loans include those characterized by the distinct possibility the Bank will sustain some loss if the deficiencies are not corrected.
•Doubtful - Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses present make collection or liquidation in full on the basis of currently existing facts and conditions and values highly questionable and improbable.
•Loss - Loans classified as loss are considered uncollectible and of such little value that their continuance as assets on the books is not warranted.
The following tables set forth, as of the dates indicated, the amortized cost of loans by class of financing receivable, year of origination or most recent credit decision, and loan classification. Amortized cost is the amount of unpaid principal, net of undisbursed loan funds,
unamortized premiums and discounts, and deferred fees and costs. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year. Loans classified as doubtful or loss are individually evaluated for loss. At June 30, 2025 and September 30, 2024, there were no loans classified as doubtful, and all loans classified as loss were fully charged-off. The commercial real estate substandard loan amount presented in the "Current Fiscal Year" column is primarily related to two loans in the same borrowing relationship. These two loans were also classified as nonaccrual at June 30, 2025. The commercial real estate substandard loan amount presented in the “Fiscal Year 2023” column is related to one loan that was classified during the current year period. All three loans noted above are recourse loans with a personal guaranty and have low LTVs. There have been no charge-offs with these three loans nor has management set aside a specific valuation allowance associated with these loans as of June 30, 2025 due to the low LTVs.
June 30, 2025
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$175,465 $237,821 $301,776 $544,279 $756,649 $1,789,116 $— $— $3,805,106 
Special Mention— — 1,394 781 1,706 6,168 — — 10,049 
Substandard— — 1,656 568 323 11,201 — — 13,748 
Correspondent purchased
Pass— 513 308,011 452,304 538,342 775,638 — — 2,074,808 
Special Mention— — 982 523 368 661 — — 2,534 
Substandard— — — 616 268 4,635 — — 5,519 
Bulk purchased
Pass— — — — — 114,837 — — 114,837 
Special Mention— — — — — — — — — 
Substandard— — — — — 2,257 — — 2,257 
175,465 238,334 613,819 999,071 1,297,656 2,704,513 — — 6,028,858 
Commercial:
Commercial real estate
Pass463,559 291,605 381,668 226,907 112,744 141,934 9,073 — 1,627,490 
Special Mention8,030 — — — — 81 — — 8,111 
Substandard39,962 142 41,548 — 108 2,961 50 — 84,771 
Commercial and industrial
Pass83,689 27,631 27,355 14,761 6,053 2,097 20,453 — 182,039 
Special Mention279 — 26 51 — — 526 — 882 
Substandard— 227 — 97 — 82 795 — 1,201 
595,519 319,605 450,597 241,816 118,905 147,155 30,897 — 1,904,494 
Consumer:
Home equity
Pass4,443 5,994 3,813 3,906 1,180 2,292 73,800 7,887 103,315 
Special Mention— — 20 — — — 257 88 365 
Substandard— — — — — 11 91 119 221 
Other
Pass3,449 2,231 1,592 1,021 233 65 416 — 9,007 
Special Mention— — — — — — — — — 
Substandard9 37 14 42 — — — — 102 
7,901 8,262 5,439 4,969 1,413 2,368 74,564 8,094 113,010 
Total$778,885 $566,201 $1,069,855 $1,245,856 $1,417,974 $2,854,036 $105,461 $8,094 $8,046,362 
September 30, 2024
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20242023202220212020YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$241,765 $325,492 $578,275 $809,643 $521,647 $1,447,237 $— $— $3,924,059 
Special Mention— 295 1,229 1,982 772 9,565 — — 13,843 
Substandard— 658 49 468 1,398 9,571 — — 12,144 
Correspondent purchased
Pass798 325,384 482,103 570,970 225,650 623,496 — — 2,228,401 
Special Mention— 993 659 658 398 977 — — 3,685 
Substandard— — 1,662 265 — 5,130 — — 7,057 
Bulk purchased
Pass— — — — — 124,076 — — 124,076 
Special Mention— — — — — — — — — 
Substandard— — — — — 3,514 — — 3,514 
242,563 652,822 1,063,977 1,383,986 749,865 2,223,566 — — 6,316,779 
Commercial:
Commercial real estate
Pass326,158 400,649 284,493 135,935 74,174 110,309 23,865 — 1,355,583 
Special Mention12,440 2,543 — — 92 1,094 — — 16,169 
Substandard142 827 — — 647 636 50 — 2,302 
Commercial and industrial
Pass46,335 32,112 18,131 8,075 1,350 2,051 20,876 — 128,930 
Special Mention401 — — — — — 12 — 413 
Substandard227 — — — — 82 26 — 335 
385,703 436,131 302,624 144,010 76,263 114,172 44,829 — 1,503,732 
Consumer:
Home equity
Pass7,331 4,377 4,575 1,437 814 2,127 73,020 5,895 99,576 
Special Mention— — — — — — 45 281 326 
Substandard— 20 — — — 24 120 181 345 
Other
Pass4,112 2,737 1,697 385 101 95 346 — 9,473 
Special Mention— — — — — — — — — 
Substandard80 14 44 — 4 — — — 142 
11,523 7,148 6,316 1,822 919 2,246 73,531 6,357 109,862 
Total$639,789 $1,096,101 $1,372,917 $1,529,818 $827,047 $2,339,984 $118,360 $6,357 $7,930,373 
Delinquency Status - The following tables set forth, as of the dates indicated, the amortized cost of current loans, loans 30 to 89 days delinquent, and loans 90 or more days delinquent or in foreclosure ("90+/FC"), by class of financing receivable and year of origination or most recent credit decision as of the dates indicated. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year.
June 30, 2025
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$175,465 $237,821 $303,716 $544,376 $758,421 $1,797,349 $— $— $3,817,148 
30-89— — 1,110 998 149 7,333 — — 9,590 
90+/FC— — — 254 108 1,803 — — 2,165 
Correspondent purchased
Current— 513 308,273 452,731 538,846 777,904 — — 2,078,267 
30-89— — 720 335 132 1,643 — — 2,830 
90+/FC— — — 377 — 1,387 — — 1,764 
Bulk purchased
Current— — — — — 116,800 — — 116,800 
30-89— — — — — 157 — — 157 
90+/FC— — — — — 137 — — 137 
175,465 238,334 613,819 999,071 1,297,656 2,704,513 — — 6,028,858 
Commercial:
Commercial real estate
Current511,404 291,605 422,999 226,049 112,744 141,666 8,863 — 1,715,330 
30-89147 — — 858 — 439 210 — 1,654 
90+/FC— 142 217 — 108 2,871 50 — 3,388 
Commercial and industrial
Current83,968 27,631 27,319 14,909 5,988 2,097 20,631 — 182,543 
30-89— — 62 — 65 — 1,039 — 1,166 
90+/FC— 227 — — — 82 104 — 413 
595,519 319,605 450,597 241,816 118,905 147,155 30,897 — 1,904,494 
Consumer:
Home equity
Current4,443 5,942 3,833 3,753 1,180 2,242 73,935 7,939 103,267 
30-89— 52 — 153 — 55 139 126 525 
90+/FC— — — — — 6 74 29 109 
Other
Current3,390 2,208 1,572 1,047 233 65 416 — 8,931 
30-8959 23 20 8 — — — — 110 
90+/FC9 37 14 8 — — — — 68 
7,901 8,262 5,439 4,969 1,413 2,368 74,564 8,094 113,010 
Total$778,885 $566,201 $1,069,855 $1,245,856 $1,417,974 $2,854,036 $105,461 $8,094 $8,046,362 
September 30, 2024
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20242023202220212020YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$241,765 $326,211 $578,430 $811,455 $521,550 $1,459,500 $— $— $3,938,911 
30-89— 64 1,074 638 1,666 5,422 — — 8,864 
90+/FC— 170 49 — 601 1,451 — — 2,271 
Correspondent purchased
Current798 326,377 482,598 571,182 226,048 624,961 — — 2,231,964 
30-89— — 164 446 — 2,479 — — 3,089 
90+/FC— — 1,662 265 — 2,163 — — 4,090 
Bulk purchased
Current— — — — — 125,982 — — 125,982 
30-89— — — — — 69 — — 69 
90+/FC— — — — — 1,539 — — 1,539 
242,563 652,822 1,063,977 1,383,986 749,865 2,223,566 — — 6,316,779 
Commercial:
Commercial real estate
Current338,511 403,193 284,493 135,932 74,266 110,448 23,055 — 1,369,898 
30-89229 807 — 3 — 1,094 860 — 2,993 
90+/FC— 19 — — 647 497 — — 1,163 
Commercial and industrial
Current46,736 32,112 17,990 8,052 1,350 2,051 20,914 — 129,205 
30-89227 — 141 23 — — — — 391 
90+/FC— — — — — 82 — — 82 
385,703 436,131 302,624 144,010 76,263 114,172 44,829 — 1,503,732 
Consumer:
Home equity
Current7,331 4,378 4,540 1,437 814 2,133 72,721 6,084 99,438 
30-89— — 35 — — — 349 87 471 
90+/FC— 19 — — — 18 115 186 338 
Other
Current4,109 2,728 1,641 327 101 95 344 — 9,345 
30-893 9 100 58 — — 2 — 172 
90+/FC80 14 — — 4 — — — 98 
11,523 7,148 6,316 1,822 919 2,246 73,531 6,357 109,862 
Total$639,789 $1,096,101 $1,372,917 $1,529,818 $827,047 $2,339,984 $118,360 $6,357 $7,930,373 
Gross Charge-Offs - The following tables present gross charge-offs, for the periods indicated, by class of financing receivable for the year of origination or most recent credit decision.
For the Nine Months Ended June 30, 2025
Revolving
Lines
CurrentFiscalFiscalFiscalFiscalRevolvingof Credit
FiscalYearYearYearYearPriorLines ofConverted to
Year2024202320222021YearsCreditTermTotal
(Dollars in thousands)
One- to four-family:
Originated$— $— $— $— $— $— $— $— $— 
Correspondent purchased— — — — — — — — — 
Bulk purchased— — — — — 113 — — 113 
— — — — — 113 — — 113 
Commercial:
Commercial real estate— — — — — — — — — 
Commercial and industrial— — — — — — — — — 
— — — — — — — — — 
Consumer:
Home equity35 12 — — — — — — 47 
Other— 1 4 — — 2 2 — 9 
35 13 4 — — 2 2 — 56 
Total$35 $13 $4 $— $— $115 $2 $— $169 

For the Nine Months Ended June 30, 2024
Revolving
Lines
FiscalFiscalFiscalFiscalFiscalRevolvingof Credit
YearYearYearYearYearPriorLines ofConverted to
20242023202220212020YearsCreditTermTotal
(Dollars in thousands)
One- to four-family:
Originated$— $— $— $— $— $— $— $— $— 
Correspondent purchased— — — — — — — — — 
Bulk purchased— — — — — — — — — 
— — — — — — — — — 
Commercial:
Commercial real estate50 — — — — 10 — — 60 
Commercial and industrial— — — — — — — — — 
50 — — — — 10 — — 60 
Consumer:
Home equity14 1 — — — — — — 15 
Other— 9 13 — — 4 — — 26 
14 10 13 — — 4 — — 41 
Total$64 $10 $13 $— $— $14 $— $— $101 
Delinquent and Nonaccrual Loans - The following tables present the amortized cost, at the dates indicated, by class, of loans 30 to 89 days delinquent, loans 90 or more days delinquent or in foreclosure, total delinquent loans, current loans, and total loans. At June 30, 2025 and September 30, 2024, all loans 90 or more days delinquent were on nonaccrual status.
June 30, 2025
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$9,590 $2,165 $11,755 $3,817,148 $3,828,903 
Correspondent purchased2,830 1,764 4,594 2,078,267 2,082,861 
Bulk purchased157 137 294 116,800 117,094 
Commercial:
Commercial real estate1,654 3,388 5,042 1,715,330 1,720,372 
Commercial and industrial 1,166 413 1,579 182,543 184,122 
Consumer:
Home equity525 109 634 103,267 103,901 
Other110 68 178 8,931 9,109 
$16,032 $8,044 $24,076 $8,022,286 $8,046,362 

September 30, 2024
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$8,864 $2,271 $11,135 $3,938,911 $3,950,046 
Correspondent purchased3,089 4,090 7,179 2,231,964 2,239,143 
Bulk purchased69 1,539 1,608 125,982 127,590 
Commercial:
Commercial real estate2,993 1,163 4,156 1,369,898 1,374,054 
Commercial and industrial 391 82 473 129,205 129,678 
Consumer:
Home equity471 338 809 99,438 100,247 
Other172 98 270 9,345 9,615 
$16,049 $9,581 $25,630 $7,904,743 $7,930,373 

The amortized cost of mortgage loans secured by residential real estate for which formal foreclosure proceedings were in process as of June 30, 2025 and September 30, 2024 was $802 thousand and $1.6 million, respectively, which are included in loans 90 or more days delinquent or in foreclosure in the tables above. The carrying value of residential OREO held as a result of obtaining physical possession upon completion of a foreclosure or through completion of a deed in lieu of foreclosure as of June 30, 2025 and September 30, 2024 was $92 thousand and $55 thousand, respectively.
The following table presents the amortized cost at June 30, 2025 and September 30, 2024, by class, of loans classified as nonaccrual. Nonaccrual loans with no ACL were individually evaluated for loss and any losses have been charged-off. The increase in nonaccrual commercial real estate loans as of June 30, 2025 was due primarily to two loans that are related to the same borrowing relationship. The Bank entered into an agreement with the borrower which allows the borrower to not make payments on these two loans until later in calendar year 2025; therefore, these loans were considered nonaccrual at June 30, 2025.
June 30, 2025September 30, 2024
Nonaccrual LoansNonaccrual Loans with No ACLNonaccrual LoansNonaccrual Loans with No ACL
(Dollars in thousands)
One- to four-family:
Originated$2,165 $889 $2,271 $764 
Correspondent purchased1,764 — 4,090 182 
Bulk purchased137 — 1,539 812 
Commercial:
Commercial real estate43,440 43,088 1,495 901 
Commercial and industrial 511 511 335 335 
Consumer:
Home equity109 — 338 — 
Other68 14 98 16 
$48,194 $44,502 $10,166 $3,010 

Loan Modifications - The following tables present the amortized cost basis of loans, as of the dates indicated, that were both experiencing financial difficulties and modified during the periods noted, by class of financing receivable and by type of modification. Also presented in the tables is the percentage of the amortized cost basis of loans, at the dates indicated, that were modified to borrowers experiencing financial difficulties as compared to the amortized cost basis of each class of financing receivable during the periods noted. During the three and nine months ended June 30, 2025, there were no charge-offs related to loans modified during those periods. During the three and nine months ended June 30, 2024, there was a $50 thousand charge-off related to a commercial real estate loan that was modified during the three months ended June 30, 2024. The Company has not committed to lend additional amounts to borrowers included in these tables. The commercial real estate payment delay modifications during the three and nine-months ended June 30, 2025 were due primarily to two loans where the Bank entered into an agreement with the borrower which allows the borrower to not make payments until later in calendar year 2025. These two commercial real estate loans were classified as substandard and nonaccrual at June 30, 2025.
For the Three Months Ended June 30, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$340 $3,110 $1,645 $5,095 0.13 %
Correspondent purchased— — 523 523 0.03 
Bulk purchased— — — — — 
340 3,110 2,168 5,618 0.09 
Commercial:
Commercial real estate39,962 — — 39,962 2.32 
Commercial and industrial— 691 — 691 0.38 
39,962 691 — 40,653 2.13 
Consumer loans:
Home equity— — — — — 
Other— — — — — 
— — — — — 
Total$40,302 $3,801 $2,168 $46,271 0.58 
For the Nine Months Ended June 30, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$470 $4,455 $2,271 $7,196 0.19 %
Correspondent purchased— — 710 710 0.03 
Bulk purchased— — — — — 
470 4,455 2,981 7,906 0.13 
Commercial:
Commercial real estate47,912 — — 47,912 2.78 
Commercial and industrial— 994 — 994 0.54 
47,912 994 — 48,906 2.57 
Consumer loans:
Home equity20 35 — 55 0.05 
Other— — — — — 
20 35 — 55 0.05 
Total$48,402 $5,484 $2,981 $56,867 0.71 

For the Three Months Ended June 30, 2024
Term
ExtensionTotal
andClass of
TermPaymentFinancing
ExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$623 $59 $682 0.02 %
Correspondent purchased— — — — 
Bulk purchased— — — — 
623 59 682 0.01 
Commercial:
Commercial real estate— — — — 
Commercial and industrial— 30 30 0.02 
— 30 30 — 
Consumer loans:
Home equity— — — — 
Other— — — — 
— — — — 
Total$623 $89 $712 0.01 
For the Nine Months Ended June 30, 2024
Term
ExtensionTotal
andClass of
TermPaymentFinancing
ExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$623 $7,114 $7,737 0.19 %
Correspondent purchased— 1,731 1,731 0.08 
Bulk purchased— — — — 
623 8,845 9,468 0.15 
Commercial:
Commercial real estate— 192 192 0.01 
Commercial and industrial— 486 486 0.37 
— 678 678 0.05 
Consumer loans:
Home equity— — — — 
Other— — — — 
— — — — 
Total$623 $9,523 $10,146 0.13 

Financial effect of loan modifications - The tables below present the financial effect of loan modifications during the three and nine months ended June 30, 2025 and 2024, including the weighted average payment delay and weighted average term extension.
For the Three Months Ended June 30, 2025For the Nine Months Ended June 30, 2025
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated8 months26 months8 months23 months
Correspondent purchased8 months27 months8 months44 months
Commercial:
Commercial real estate8 monthsN/A8 monthsN/A
Commercial and industrialN/A6 monthsN/A5 months
Consumer:
Consumer home equityN/AN/A7 months14 months

For the Three Months Ended June 30, 2024For the Nine Months Ended June 30, 2024
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated8 months20 months4 months31 months
Correspondent purchasedN/AN/A4 months17 months
Commercial:
Commercial real estateN/AN/A24 months24 months
Commercial and industrial6 months9 months6 months6 months
Performance of loan modifications - The Company closely monitors the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans, based on amortized cost, by class of financing receivable as of June 30, 2025, on loans modified during the previous 12-months for borrowers experiencing financial difficulty that were delinquent as of June 30, 2025, or as of June 30, 2024 on loans modified on or after October 1, 2023 (the day the Company adopted ASU 2022-02) through June 30, 2024 for borrowers experiencing financial difficulty, that were delinquent as of June 30, 2024. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of June 30, 2025 and June 30, 2024.
As of June 30, 2025As of June 30, 2024
30 to 89 Days
Delinquent		90 or More Days
Delinquent or in Foreclosure		Total
Delinquent Loans		30 to 89 Days
Delinquent		90 or More Days
Delinquent or in Foreclosure		Total
Delinquent Loans
(Dollars in thousands)
One- to four-family:
Originated$1,610 $193 $1,803 $1,847 $205 $2,052 
Correspondent purchased— — — 182 — 182 
Bulk purchased— — — — — — 
Commercial:
Commercial real estate— — — 50 — 50 
Commercial and industrial994 — 994 — — — 
Consumer loans:
Home equity86 — 86 — — — 
Other— — — — — — 
$2,690 $193 $2,883 $2,079 $205 $2,284 

The following tables present the amortized cost basis of loans that had a payment default during the three and nine months ended June 30, 2025 and were modified to borrowers experiencing financial difficulty in the 12-months prior to the default date, or loans that had a payment default during the three and nine months ended June 30, 2024 and were modified to borrowers experiencing financial difficulty on or after October 1, 2023 (the day the Company adopted ASU 2022-02) prior to the default date, by class of financing receivable and by type of modification. The Company considers "default" to mean 90 days or more past due under the modified terms.
For the Three Months Ended June 30, 2025For the Nine Months Ended June 30, 2025
Term
Extension
and
TermPaymentTermPayment
ExtensionDelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$193 $82 $193 $148 $423 
Correspondent purchased— — — 426 426 
Bulk purchased— — — — — 
Commercial:
Commercial real estate— — — 192 192 
Commercial and industrial— — — 227 227 
Consumer loans:
Home equity— 85 — — 85 
Other— — — — — 
$193 $167 $193 $993 $1,353 
For the Three Months Ended June 30, 2024For the Nine Months Ended June 30, 2024
TermTerm
ExtensionExtension
andand
PaymentPayment
DelayDelay
(Dollars in thousands)
One- to four-family:
Originated$188 $205 
Correspondent purchased— — 
Bulk purchased— — 
Commercial:
Commercial real estate— — 
Commercial and industrial— — 
Consumer loans:
Home equity— — 
Other— — 
$188 $205 

Allowance for Credit Losses - The following tables summarize ACL activity, by loan portfolio segment, for the periods presented.
For the Three Months Ended June 30, 2025
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$3,562 $19,005 $1,171 $232 $23,970 
Charge-offs— — — (29)(29)
Recoveries2 — 1 1 4 
Provision for credit losses(32)(2,407)1,269 33 (1,137)
Ending balance$3,532 $16,598 $2,441 $237 $22,808 
For the Nine Months Ended June 30, 2025
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$3,673 $17,968 $1,186 $208 $23,035 
Charge-offs(113)— — (56)(169)
Recoveries7 20 3 7 37 
Provision for credit losses(35)(1,390)1,252 78 (95)
Ending balance$3,532 $16,598 $2,441 $237 $22,808 
For the Three Months Ended June 30, 2024
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$5,060 $18,311 $1,019 $244 $24,634 
Charge-offs— (50)— (26)(76)
Recoveries17 — 2 — 19 
Provision for credit losses(271)1,401 113 34 1,277 
Ending balance$4,806 $19,662 $1,134 $252 $25,854 
For the Nine Months Ended June 30, 2024
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$5,328 $17,076 $1,104 $251 $23,759 
Adoption of ASU 2022-0218 — 2 — 20 
Balance at October 1, 20235,346 17,076 1,106 251 23,779 
Charge-offs— (60)— (41)(101)
Recoveries25 — 3 15 43 
Provision for credit losses(565)2,646 25 27 2,133 
Ending balance$4,806 $19,662 $1,134 $252 $25,854 

The key assumptions in the Company's ACL model include the economic forecast, the forecast and reversion to mean time periods, and prepayment and curtailment assumptions. Management also considered certain qualitative factors when evaluating the adequacy of the ACL at June 30, 2025. The key assumptions utilized in estimating the Company's ACL at June 30, 2025 are discussed below.
•Economic Forecast - Management considered several economic forecasts provided by a third party and selected an economic forecast that was the most appropriate considering the facts and circumstances at June 30, 2025. At June 30, 2025, management selected an economic scenario to account for current economic conditions and future economic uncertainty related to recently issued and proposed federal government policies. The forecasted economic indices applied to the model at June 30, 2025 were the national unemployment rate, changes in commercial real estate price index, changes in home values, changes in the U.S. consumer price index, and changes in the U.S. gross domestic product. The economic index most impactful to all loan pools within the model at June 30, 2025 was the national unemployment rate. The forecasted national unemployment rate in the economic scenario selected by management at June 30, 2025 had the national unemployment rate gradually increasing to 5.7% by June 30, 2026, which was the end of our four-quarter forecast time period.
•Forecast and reversion to mean time periods - The forecasted time period and the reversion to mean time period were each four quarters for all of the economic indices at June 30, 2025.
•Prepayment and curtailment assumptions - The assumptions used at June 30, 2025 were generally based on actual historical prepayment and curtailment speeds, adjusted by management as deemed necessary. The prepayment and curtailment assumptions vary for each respective loan pool in the model.
•Qualitative factors - Management applied qualitative factors at June 30, 2025 to account for large dollar commercial real estate loan concentrations and potential risk of loss in market value for newer one- to four-family loans. These qualitative factors were applied to account for credit risks not fully reflected in the discounted cash flow model.
◦The Company's commercial real estate loans generally have low LTV ratios and strong DSCRs which serve as indicators that losses in the commercial real estate loan portfolio might be unlikely; however, because there is uncertainty surrounding the nature, timing and amount of expected losses, management believes that in the event of a realized loss within the large dollar commercial real estate loan pool, the magnitude of such a loss could be significant. The large dollar commercial real estate loan concentration qualitative factor addresses the risk associated with a large dollar relationship deteriorating due to a loss event. As part of its analysis, management considered external data including historical commercial real estate price index trending information from a variety of sources to help determine the amount of this qualitative factor.
◦For one- to four-family loans, management believes there is potential risk of loss in market value in an economic downturn related to, in particular, newer originations where property values have not experienced price appreciation like more seasoned loans in our portfolio and applied a qualitative factor to account for this risk. To determine the appropriate amount of the one- to four-family loan qualitative factor as of June 30, 2025, management considered external historical home price index trending information, along with historical loan loss experience and portfolio balance trending, the one-to four-family loan portfolio composition with regard to loan size, and management's knowledge of the Bank's loan portfolio and the one- to four-family lending industry.
Reserve for Off-Balance Sheet Credit Exposures - At June 30, 2025 and September 30, 2024, the Bank's off-balance sheet credit exposures totaled $875.6 million and $826.5 million, respectively.

The following table summarizes the change in reserve for off-balance sheet credit exposures during the periods indicated. The provision for the three months ended June 30, 2025 was due primarily to an increase in the balance of commercial and industrial off-balance sheet credit exposures. The increase in the reserve for off-balance sheet credit exposures as of June 30, 2025 compared to June 30, 2024 was due primarily to an increase in commercial real estate and commercial and industrial off-balance sheet credit exposures between periods.
For the Three Months Ended For the Nine Months Ended
June 30, 2025June 30, 2024June 30, 2025June 30, 2024
(Dollars in thousands)
Beginning balance$5,638 $3,679 $6,003 $4,095 
Adoption of ASU 2022-02— — — 16 
Provision for credit losses686 195 321 (237)
Ending balance$6,324 $3,874 $6,324 $3,874 
v3.25.2
Borrowed Funds
 9 Months Ended
Jun. 30, 2025
Debt Disclosure [Abstract]  
Borrowed Funds BORROWED FUNDS
FHLB Borrowings and Interest Rate Swaps - As of June 30, 2025 and September 30, 2024, the Bank held interest rate swap agreements with a total notional amount of $200.0 million in order to hedge the variable cash flows associated with $200.0 million of adjustable-rate FHLB advances. At June 30, 2025 and September 30, 2024, the interest rate swap agreements had an average remaining term to maturity of 1.5 years and 2.3 years, respectively. The interest rate swaps were designated as cash flow hedges and involved the receipt of variable amounts from a counterparty in exchange for the Bank making fixed-rate payments over the life of the interest rate swap agreements. At June 30, 2025 and September 30, 2024, the interest rate swaps were in a gain position with a total fair value of $1.5 million and $2.1 million, respectively, which was reported in other assets on the consolidated balance sheet. During the three and nine months ended June 30, 2025, $557 thousand and $1.8 million, respectively, was reclassified from AOCI as a decrease to interest expense. During the three and nine months ended June 30, 2024, $1.6 million and $5.2 million, respectively, was reclassified from AOCI as a decrease to interest expense. At June 30, 2025, the Company estimated that $1.1 million of interest expense associated with the interest rate swaps would be reclassified from AOCI as a decrease to interest expense on FHLB borrowings during the next 12 months. The Bank has minimum collateral posting thresholds with its derivative counterparties and posts collateral on a daily basis. The Bank held cash collateral of $1.7 million and $2.1 million at June 30, 2025 and September 30, 2024, respectively.
During the three months ended June 30, 2025, the Bank prepaid fixed-rate FHLB advances totaling $200.0 million with a weighted average contractual interest rate of 4.70% and a weighted average remaining term of 0.6 years, and replaced these advances with fixed-rate FHLB advances totaling $200.0 million with a weighted average contractual interest rate of 3.83% and a weighted average term of 2.5 years. The Bank paid penalties of $547 thousand to FHLB as a result of prepaying these advances. The prepayment penalties are being recognized in interest expense over the life of the new FHLB advances. The weighted average effective interest rate of the new advances was 3.93%.
v3.25.2
Income Taxes
 9 Months Ended
Jun. 30, 2025
Income Tax Disclosure [Abstract]  
Income Taxes INCOME TAXES
At June 30, 2025 and September 30, 2024, the Company had a net operating loss deferred income tax asset of $19.9 million and $30.5 million, respectively. The gross federal and state net operating loss amount at June 30, 2025 was $82.0 million, which will carry forward indefinitely. The net operating loss will be applied to the Company's taxable income, subject to federal and state regulations regarding net operating loss usage limitations, until such time as it is fully utilized. Additionally, the Company had a $19.6 million and $12.8 million deferred tax asset related to the Bank's low income housing tax credits as of June 30, 2025 and September 30, 2024, respectively. These credits are not currently able to be fully utilized due to income tax return income limitations. Federal tax credits carry forward for 20 years.

The Company assesses the available positive and negative evidence surrounding the recoverability of its deferred tax assets and applies its judgment in estimating the amount of the valuation allowance necessary under the circumstances. At June 30, 2025 and September 30, 2024, the Company had a valuation allowance of $33 thousand and $27 thousand, respectively, related to the net operating losses generated by the Company's consolidated Kansas corporate income tax return as management believes there will not be sufficient taxable income to fully utilize these deferred tax assets before they begin to expire in 2028 and thereafter. For this reason, a valuation allowance was recorded for the related amounts at June 30, 2025 and September 30, 2024. No additional valuation allowances were recorded for the Company's other deferred tax assets as management believes it is more likely than not that these amounts will be realized through the reversal of the Company's existing taxable temporary differences and projected future taxable income.

During the three months ended June 30, 2025, the State of Kansas enacted a change in the tax law that is effective October 1, 2027 for the Company and the Bank. The State of Kansas is changing the way it attributes taxable income to the State, specifically changing from a three-factor apportionment (property, payroll and receipts) to a single, revenue-based method. Most of the Bank's property and payroll are located in Kansas, but a large amount of its revenue generating activities, predominantly loan interest income, are outside of Kansas. Therefore, the Bank is expecting a decrease in income apportioned to Kansas starting in fiscal year 2028 due to the tax law change. As a result, as of June 30, 2025, the Bank remeasured its state deferred tax assets and liabilities expected as of October 1, 2027. The Bank recorded an $857 thousand reduction in net state income tax expense during the current quarter related to this law change.
On July 4, 2025, the H.R. 1 - One Big Beautiful Bill Act ("OBBBA") was enacted into law. The OBBBA includes significant provisions, such as the permanent extension of certain expiring provisions of the Tax Cuts and Jobs Act and the restoration of favorable tax treatment for certain business provisions. The legislation has multiple effective dates, with certain provisions effective in 2025 and others being phased in through 2027. The Company is currently evaluating the effect the OBBBA will have on the Company's consolidated financial condition and results of operations.
v3.25.2
Fair Value Of Financial Instruments
 9 Months Ended
Jun. 30, 2025
Fair Value Disclosures [Abstract]  
Fair Value Of Financial Instruments FAIR VALUE OF FINANCIAL INSTRUMENTS
Fair Value Measurements - The Company uses fair value measurements to record fair value adjustments to certain financial instruments and to determine fair value disclosures in accordance with ASC 820 and ASC 825. The Company's AFS securities and interest rate swaps are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other financial instruments on a non-recurring basis, such as OREO and loans individually evaluated for impairment. These non-recurring fair value adjustments involve the application of lower of cost or fair value accounting or write-downs of individual financial instruments.

The Company groups its financial instruments at fair value in three levels based on the markets in which the financial instruments are traded and the reliability of the assumptions used to determine fair value. These levels are:

•Level 1 - Valuation is based upon quoted prices for identical instruments traded in active markets.
•Level 2 - Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.
•Level 3 - Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions reflect the Company's own estimates of assumptions that market participants would use in pricing the financial instrument. Valuation techniques include the use of option pricing models, discounted cash flow models, and similar techniques. The results cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the financial instrument.

The Company bases the fair value of its financial instruments on the price that would be received from the sale of an instrument in an orderly transaction between market participants at the measurement date under current market conditions. The Company maximizes the use of observable inputs and minimizes the use of unobservable inputs when measuring fair value.

The following is a description of valuation methodologies used for financial instruments measured at fair value on a recurring basis.

AFS Securities - The Company's AFS securities portfolio is carried at estimated fair value. The Company primarily uses prices obtained from third-party pricing services to determine the fair value of its securities. On a quarterly basis, management corroborates a sample of prices obtained from the third-party pricing service for Level 2 securities by comparing them to an independent source. If the price provided by the independent source varies by more than a predetermined percentage from the price received from the third-party pricing service, then the variance is researched by management. The Company did not have to adjust prices obtained from the third-party pricing service when determining the fair value of its securities during the nine months ended June 30, 2025 or during fiscal year 2024. The Company's major security types, based on the nature and risks of the securities, are:

•MBS - The majority of these securities are issued by GSEs. Estimated fair values are based on a discounted cash flow method. Cash flows are determined based on prepayment projections of the underlying mortgages and are discounted using current market yields for benchmark securities. (Level 2)
•GSE debentures - Estimated fair values are based on a discounted cash flow method. Cash flows are determined by taking any embedded options into consideration and are discounted using current market yields for similar securities. (Level 2)
•Corporate Bonds and Municipal Bonds - Estimated fair values are based on a discounted cash flow method. Cash flows are determined by taking any embedded options into consideration and are discounted using current market yields for securities with similar credit profiles. (Level 2)

Interest Rate Swaps - The Company's interest rate swaps are designated as cash flow hedges and are reported at fair value in other assets on the consolidated balance sheet if in a gain position and in other liabilities if in a loss position, with any unrealized gains and losses, net of taxes, reported as AOCI in stockholders' equity. See "Note 5. Borrowed Funds" for additional information. The estimated fair values of the interest rates swaps are obtained from the counterparty and are determined by a discounted cash flow analysis using observable market-based inputs. On a quarterly basis, management corroborates the estimated fair values by internally calculating the estimated fair value using a discounted cash flow analysis with independent observable market-based inputs from a third party. No adjustments were made to the estimated fair values obtained from the counterparty during the nine months ended June 30, 2025 or during fiscal year 2024. (Level 2)
The following tables provide the level of valuation assumption used to determine the carrying value of the Company's financial instruments measured at fair value on a recurring basis at the dates presented. The Company did not have any Level 3 financial instruments measured at fair value on a recurring basis at June 30, 2025 or September 30, 2024.
June 30, 2025
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value(Level 1)(Level 2)(Level 3)
(Dollars in thousands)
Assets:
AFS Securities:
MBS$897,575 $— $897,575 $— 
GSE debentures54,955 — 54,955 — 
Corporate bonds3,699 — 3,699 — 
956,229 — 956,229 — 
Interest rate swaps1,463 — 1,463 — 
$957,692 $— $957,692 $— 

September 30, 2024
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value(Level 1)(Level 2)(Level 3)
(Dollars in thousands)
Assets:
AFS Securities:
MBS$783,573 $— $783,573 $— 
GSE debentures69,305 — 69,305 — 
Corporate bonds3,388 — 3,388 — 
856,266 — 856,266 — 
Interest rate swaps2,103 — 2,103 — 
$858,369 $— $858,369 $— 

The following is a description of valuation methodologies used for significant financial instruments measured at fair value on a non-recurring basis. The significant unobservable inputs used in the determination of the fair value of assets classified as Level 3 have an inherent measurement uncertainty that, if changed, could result in higher or lower fair value measurements of these assets as of the reporting date.

Loans Receivable - Collateral dependent assets are assets evaluated on an individual basis. Those collateral dependent assets that are evaluated on an individual basis are considered financial assets measured at fair value on a non-recurring basis. The fair value of collateral dependent loans/loans individually evaluated for loss on a non-recurring basis during the nine months ended June 30, 2025 and 2024 that were still held in the portfolio as of June 30, 2025 and 2024 was $89.6 million and $1.6 million, respectively. Fair values of collateral dependent loans/loans individually evaluated for loss cannot be determined with precision and may not be realized in an actual sale or immediate settlement of the loan and, as such, are classified as Level 3.

The one- to four-family loans included in this amount were individually evaluated to determine if the carrying value of the loan was in excess of the fair value of the collateral, less estimated selling costs of 10%. Fair values were estimated through current appraisals. Management does not adjust or apply a discount to the appraised value of one- to four-family loans, except for the estimated sales cost noted above, and the primary unobservable input for these loans was the appraisal.

For commercial loans, if the most recent appraisal or book value of the collateral does not reflect current market conditions due to the passage of time and/or other factors, management will adjust the existing appraised or book value based on knowledge of local market conditions, recent transactions, and estimated selling costs, if applicable. Adjustments to appraised or book values are generally based on assumptions not observable in the marketplace. The primary significant unobservable inputs for commercial loans individually evaluated during the nine months ended June 30, 2025 and June 30, 2024 were downward adjustments to the book value of the collateral for lack of marketability. During the nine months ended June 30, 2025, the adjustments ranged from 10% to 99%, with a weighted average of 22%. During the nine months ended June 30, 2024, the adjustments ranged from 5% to 100%, with a weighted
average of 33%. The basis utilized in calculating the weighted averages for these adjustments was the original unadjusted value of each collateral item.

OREO - OREO primarily represents real estate acquired as a result of foreclosure or by deed in lieu of foreclosure and is carried at the lower of cost or fair value. The fair value for one- to four-family OREO is estimated through current appraisals or listing prices, less estimated selling costs of 10%. Management does not adjust or apply a discount to the appraised value or listing price, except for the estimated sales costs noted above. The primary significant unobservable input for one- to four-family OREO was the appraisal or listing price. The fair value of one- to four-family OREO measured on a non-recurring basis during the nine months ended June 30, 2025 was $92 thousand. The carrying value of the properties equaled the fair value of the properties at June 30, 2025. There was no one- to four-family OREO measured on a non-recurring basis during the nine months ended June 30, 2024.

For commercial OREO, if the most recent appraisal or book value of the collateral does not reflect current market conditions due to the passage of time and/or other factors, management will adjust the existing appraised or book value based on knowledge of local market conditions, recent transactions, and estimated selling costs, if applicable. Adjustments to appraised or book values are generally based on assumptions not observable in the marketplace. The primary significant unobservable input for commercial OREO is downward adjustments to book value of the collateral for lack of marketability. Fair values of foreclosed property cannot be determined with precision and may not be realized in an actual sale of the property and, as such, are classified as Level 3. There was no commercial OREO measured on a non-recurring basis during the nine months ended June 30, 2025 and 2024.
Fair Value Disclosures - The Company estimated fair value amounts using available market information and a variety of valuation methodologies as of the dates presented. Considerable judgment is required to interpret market data to develop the estimates of fair value. The estimates presented are not necessarily indicative of amounts the Company would realize from a current market exchange at subsequent dates.

The carrying amounts and estimated fair values of the Company's financial instruments by fair value hierarchy, at the dates presented, were as follows:
June 30, 2025
CarryingEstimated Fair Value
AmountTotalLevel 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$174,965 $174,965 $174,965 $— $— 
AFS securities956,229 956,229 — 956,229 — 
Loans receivable8,023,554 7,739,102 — — 7,739,102 
FHLB stock98,225 98,225 98,225 — — 
Interest rate swaps1,463 1,463 — 1,463 — 
Liabilities:
Deposits6,431,137 6,431,235 3,509,556 2,921,679 — 
Borrowings2,071,585 2,066,711 — 2,066,711 — 
September 30, 2024
CarryingEstimated Fair Value
AmountTotalLevel 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$217,307 $217,307 $217,307 $— $— 
AFS securities856,266 856,266 — 856,266 — 
Loans receivable7,907,338 7,660,535 — — 7,660,535 
FHLB stock101,175 101,175 101,175 — — 
Interest rate swaps2,103 2,103 — 2,103 — 
Liabilities:
Deposits6,129,982 6,135,652 3,164,672 2,970,980 — 
Borrowings2,179,564 2,169,403 — 2,169,403 — 
v3.25.2
Accumulated Other Comprehensive Income
 9 Months Ended
Jun. 30, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Accumulated Other Comprehensive Income ACCUMULATED OTHER COMPREHENSIVE INCOME
The following tables present the changes in the components of AOCI, net of tax, for the periods indicated.
For the Three Months Ended June 30, 2025
UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$15,040 $2,012 $17,052 
Other comprehensive income (loss), before reclassifications2,303 (345)1,958 
Amount reclassified from AOCI, net of taxes of $177
— (557)(557)
Other comprehensive income (loss)2,303 (902)1,401 
Ending balance$17,343 $1,110 $18,453 
For the Nine Months Ended June 30, 2025
UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$20,032 $1,595 $21,627 
Other comprehensive income (loss), before reclassifications(2,689)1,324 (1,365)
Amount reclassified from AOCI, net of taxes of $576
— (1,809)(1,809)
Other comprehensive income (loss)(2,689)(485)(3,174)
Ending balance$17,343 $1,110 $18,453 
For the Three Months Ended June 30, 2024
UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$8,780 $5,747 $14,527 
Other comprehensive income (loss), before reclassifications(2,412)829 (1,583)
Amount reclassified from AOCI, net of taxes of $502
— (1,561)(1,561)
Other comprehensive income (loss)(2,412)(732)(3,144)
Ending balance$6,368 $5,015 $11,383 
For the Nine Months Ended June 30, 2024
 UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$(1,142)$9,842 $8,700 
Other comprehensive income (loss), before reclassifications8,698 352 9,050 
Amount reclassified from AOCI, net of taxes of $1,670
— (5,179)(5,179)
Reclassification adjustment for gross gains on AFS securities
  included in net income, net of taxes of $383
(1,188)— (1,188)
Other comprehensive income (loss)7,510 (4,827)2,683 
Ending balance$6,368 $5,015 $11,383 
v3.25.2
Summary Of Significant Accounting Policies (Policies)
 9 Months Ended
Jun. 30, 2025
Accounting Policies [Abstract]  
Basis of Presentation The consolidated financial statements include the accounts of Capitol Federal Financial, Inc.® (the "Company") and its wholly-owned subsidiary, Capitol Federal Savings Bank (the "Bank"). The Bank has two wholly-owned subsidiaries, Capitol Funds, Inc. and Capital City Investments, Inc. Capitol Funds, Inc. has a wholly-owned subsidiary, Capitol Federal Mortgage Reinsurance Company. Capital City Investments, Inc. is a real estate and investment holding company. All intercompany accounts and transactions have been eliminated in consolidation. The consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP") for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by GAAP for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring adjustments) considered necessary for a fair presentation have been included. These statements should be read in conjunction with the consolidated financial statements and notes thereto included in the Company's Annual Report on Form 10-K for the fiscal year ended September 30, 2024, filed with the Securities and Exchange Commission ("SEC"). Interim results are not necessarily indicative of results for a full year.
Recent Accounting Pronouncements In October 2023, the Financial Accounting Standards Board ("FASB") issued ASU 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC's Disclosure Update and Simplification Initiative. This ASU incorporates a variety of Topics into the FASB Accounting Standards Codification (the "Codification") that are currently included in SEC Regulations S-X and S-K. The ASU is intended to align the accounting standards of GAAP with SEC Regulations S-X and S-K. Each amendment in the ASU will only become effective for the Company if the SEC removes the related disclosure or presentation requirement from its existing regulations by June 30, 2027. The amendments will be applied prospectively by the Company. The adoption of this ASU may result in disclosures currently presented outside of the Company's financial statements being relocated to the Company's financial statements. If the SEC has not removed the applicable requirements from Regulation S-X or S-K by June 30, 2027, the pending content of the related amendment will be removed from the Codification and will not become effective for the Company. The ASU is not expected to have a material impact on the Company's disclosures as the Company is currently subject to SEC Regulations S-X and S-K.
In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280) - Improvements to Reportable Segment Disclosures. This ASU requires enhanced disclosures of segment information for all public entities, including those that have a single reportable segment, primarily in the area of significant segment expenses and other items on an annual and interim basis. Entities that have a single reportable segment, like the Company, will be required to provide all the disclosures required by this ASU and all existing segment disclosures required by Accounting Standards Codification ("ASC") 280, Segment Reporting. This ASU is effective for fiscal years beginning after December 15, 2023, which is the fiscal year ending September 30, 2025 for the Company, and interim periods within fiscal years beginning after December 15, 2024, which is the quarter ending December 31, 2025 for the Company. The Company is currently evaluating the effect this ASU will have on the Company's segment disclosures.

In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740) - Improvements to Income Tax Disclosures. This ASU requires public business entities to provide additional annual disclosures regarding specific categories of the income tax rate reconciliation using both percentages and currency amounts with certain reconciling items being further broken out by nature and jurisdiction to the extent those items exceed a certain quantitative threshold. The ASU also requires annual disclosures of income taxes paid (net of refunds received) disaggregated by federal, state, and foreign taxes and the amount of income taxes paid (net of refunds received) disaggregated by individual jurisdictions that meet a certain quantitative threshold. This ASU also discontinues certain other income tax disclosures. The ASU is effective for public business entities for annual periods beginning after December 15, 2024 which is the fiscal year ending September 30, 2026 for the Company. Early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. This ASU should be applied on a prospective basis; however, retrospective application is permitted. The Company's financial condition, results of operations and cash flows will not be impacted by this guidance; however, the guidance will impact the Company's income tax footnote disclosures. The Company is currently evaluating the effect this ASU will have on the Company's income tax footnote disclosures.

In March 2024, the FASB issued ASU 2024-02, Codification Improvements - Amendments to Remove References to the Concepts Statements. This ASU removes references to various FASB Concept Statements to simplify the Codification and provide a distinction between authoritative and nonauthoritative literature. This ASU is effective for the Company on October 1, 2025, starting with its Form 10-K for the fiscal year ending September 30, 2026. The Company is currently evaluating this ASU, but it is not expected to have a significant impact on the Company's consolidated financial condition or results of operation or the Company's disclosures.

In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures. This ASU requires additional expense disclosures by public entities in the notes to the financial statements. The ASU outlines the specific costs that are required to be disclosed, which include costs such as: purchases of inventory, employee
compensation, depreciation, intangible asset amortization, selling costs, and depreciation, depletion, and amortization related to oil and gas production. It also requires qualitative descriptions of the amounts remaining in the relevant expense income statement captions that are not separately disaggregated quantitatively in the notes to the financial statements and the entity's definition of selling expenses. The disclosures are required for each interim and annual reporting period. The ASU is effective for fiscal years beginning after December 15, 2026, which is the fiscal year ending September 30, 2028 for the Company. In January 2025, the FASB issued ASU 2025-1, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures: Clarifying the Effective Date. The FASB clarified the interim date reporting when an entity adopts ASU 2024-03. Per ASU 2025-01, ASU 2024-03 is effective for interim periods within fiscal years beginning after December 15, 2027, which is the quarter ending December 31, 2028 for the Company. The Company is currently evaluating the effect this ASU will have on the Company's expense disclosures in the notes to the consolidated financial statements.
v3.25.2
Earnings Per Share (Tables)
 9 Months Ended
Jun. 30, 2025
Earnings Per Share [Abstract]  
Schedule Of Earnings Per Share, Basic And Diluted
Shares acquired by the ESOP are not included in basic average shares outstanding until the shares are committed for allocation or vested to an employee's individual account. Unvested shares awarded pursuant to the Company's restricted stock benefit plans are treated as participating securities in the computation of EPS pursuant to the two-class method, as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security.
For the Three Months EndedFor the Nine Months Ended
June 30, June 30,
2025202420252024
(Dollars in thousands, except per share amounts)
Net income$18,382 $9,648 $49,212 $25,953 
Income allocated to participating securities(22)(10)(58)(21)
Net income available to common stockholders$18,360 $9,638 $49,154 $25,932 
Total basic average common shares outstanding130,081,065 129,866,397 130,026,451 130,923,888 
Effect of dilutive stock options— — — — 
Total diluted average common shares outstanding130,081,065 129,866,397 130,026,451 130,923,888 
Net EPS:
Basic$0.14 $0.07 $0.38 $0.20 
Diluted$0.14 $0.07 $0.38 $0.20 
Antidilutive stock options, excluded from the diluted average
common shares outstanding calculation242,728 324,374 274,502 328,827 
v3.25.2
Securities (Tables)
 9 Months Ended
Jun. 30, 2025
Marketable Securities [Abstract]  
Amortized Cost, Estimated Fair Value, And Gross Unrealized Gains And Losses Of AFS Securities
The following tables reflect the amortized cost, estimated fair value, and gross unrealized gains and losses of AFS securities at the dates presented. The majority of our AFS securities at both dates were government guaranteed or issued by a Government Sponsored Enterprise ("GSE").
June 30, 2025
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
(Dollars in thousands)
MBS$874,360 $23,527 $312 $897,575 
GSE debentures55,000 4 49 54,955 
Corporate bonds4,000 — 301 3,699 
$933,360 $23,531 $662 $956,229 
September 30, 2024
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
(Dollars in thousands)
MBS$756,775 $26,885 $87 $783,573 
GSE debentures69,077 228 — 69,305 
Corporate bonds4,000 — 612 3,388 
$829,852 $27,113 $699 $856,266 
Schedule Of Estimated Fair Value And Gross Unrealized Losses Of Securities In Continuous Unrealized Loss Position
The following tables summarize the estimated fair value and gross unrealized losses of those AFS securities on which an unrealized loss at the dates presented was reported and the continuous unrealized loss position for less than 12 months and equal to or greater than 12 months as of the dates presented.
June 30, 2025
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
(Dollars in thousands)
MBS$73,329 $244 $8,348 $68 
GSE debentures44,951 49 — — 
Corporate bonds— — 3,699 301 
$118,280 $293 $12,047 $369 
September 30, 2024
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
(Dollars in thousands)
MBS$10,997 $44 $2,919 $43 
Corporate bonds— — 3,388 612 
$10,997 $44 $6,307 $655 
Schedule Of Contractual Maturities
The amortized cost and estimated fair value of AFS debt securities as of June 30, 2025, by contractual maturity, are shown below.  Actual principal repayments may differ from contractual maturities due to prepayment or early call privileges by the issuer. In the case of MBS, borrowers on the underlying loans generally have the right to prepay their loans without penalty. For this reason, MBS are not included in the maturity category in the table below.
AmortizedEstimated
CostFair Value
(Dollars in thousands)
Five years through ten years$59,000 $58,654 
59,000 58,654 
MBS874,360 897,575 
$933,360 $956,229 
Schedule Of Taxable And Non-taxable Components Of Interest Income
The following table presents the taxable and non-taxable components of interest income on investment securities for the periods presented.
For the Three Months Ended For the Nine Months Ended
June 30, June 30,
2025202420252024
(Dollars in thousands)
Taxable$784 $2,255 $2,795 $7,113 
Non-taxable— — — 2 
$784 $2,255 $2,795 $7,115 
Schedule Of Carrying Value Of Securities Pledged As Collateral
The following table summarizes the carrying value of securities pledged as collateral for the obligations indicated below as of the dates presented.
 June 30, 2025September 30, 2024
(Dollars in thousands)
Public unit deposits$154,802 $108,748 
Federal Reserve Bank of Kansas City ("FRB of Kansas City") borrowings95,307 111,281 
$250,109 $220,029 
v3.25.2
Loans Receivable And Allowance For Credit Losses (Tables)
 9 Months Ended
Jun. 30, 2025
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]  
Summary of Loans Receivable
Loans receivable, net at the dates presented is summarized as follows:
June 30, 2025September 30, 2024
(Dollars in thousands)
One- to four-family:
Originated$3,828,171 $3,941,952 
Correspondent purchased2,058,749 2,212,587 
Bulk purchased116,706 127,161 
Construction14,860 22,970 
Total6,018,486 6,304,670 
Commercial:
Commercial real estate1,561,691 1,191,624 
Commercial and industrial 184,390 129,678 
Construction165,760 187,676 
Total1,911,841 1,508,978 
Consumer:
Home equity103,564 99,988 
Other9,109 9,615 
Total112,673 109,603 
Total loans receivable8,043,000 7,923,251 
Less:
ACL22,808 23,035 
Deferred loan fees/discounts31,159 30,336 
Premiums/deferred costs(34,521)(37,458)
$8,023,554 $7,907,338 
Credit Quality Indicators
The following tables set forth, as of the dates indicated, the amortized cost of loans by class of financing receivable, year of origination or most recent credit decision, and loan classification. Amortized cost is the amount of unpaid principal, net of undisbursed loan funds,
unamortized premiums and discounts, and deferred fees and costs. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year. Loans classified as doubtful or loss are individually evaluated for loss. At June 30, 2025 and September 30, 2024, there were no loans classified as doubtful, and all loans classified as loss were fully charged-off. The commercial real estate substandard loan amount presented in the "Current Fiscal Year" column is primarily related to two loans in the same borrowing relationship. These two loans were also classified as nonaccrual at June 30, 2025. The commercial real estate substandard loan amount presented in the “Fiscal Year 2023” column is related to one loan that was classified during the current year period. All three loans noted above are recourse loans with a personal guaranty and have low LTVs. There have been no charge-offs with these three loans nor has management set aside a specific valuation allowance associated with these loans as of June 30, 2025 due to the low LTVs.
June 30, 2025
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$175,465 $237,821 $301,776 $544,279 $756,649 $1,789,116 $— $— $3,805,106 
Special Mention— — 1,394 781 1,706 6,168 — — 10,049 
Substandard— — 1,656 568 323 11,201 — — 13,748 
Correspondent purchased
Pass— 513 308,011 452,304 538,342 775,638 — — 2,074,808 
Special Mention— — 982 523 368 661 — — 2,534 
Substandard— — — 616 268 4,635 — — 5,519 
Bulk purchased
Pass— — — — — 114,837 — — 114,837 
Special Mention— — — — — — — — — 
Substandard— — — — — 2,257 — — 2,257 
175,465 238,334 613,819 999,071 1,297,656 2,704,513 — — 6,028,858 
Commercial:
Commercial real estate
Pass463,559 291,605 381,668 226,907 112,744 141,934 9,073 — 1,627,490 
Special Mention8,030 — — — — 81 — — 8,111 
Substandard39,962 142 41,548 — 108 2,961 50 — 84,771 
Commercial and industrial
Pass83,689 27,631 27,355 14,761 6,053 2,097 20,453 — 182,039 
Special Mention279 — 26 51 — — 526 — 882 
Substandard— 227 — 97 — 82 795 — 1,201 
595,519 319,605 450,597 241,816 118,905 147,155 30,897 — 1,904,494 
Consumer:
Home equity
Pass4,443 5,994 3,813 3,906 1,180 2,292 73,800 7,887 103,315 
Special Mention— — 20 — — — 257 88 365 
Substandard— — — — — 11 91 119 221 
Other
Pass3,449 2,231 1,592 1,021 233 65 416 — 9,007 
Special Mention— — — — — — — — — 
Substandard9 37 14 42 — — — — 102 
7,901 8,262 5,439 4,969 1,413 2,368 74,564 8,094 113,010 
Total$778,885 $566,201 $1,069,855 $1,245,856 $1,417,974 $2,854,036 $105,461 $8,094 $8,046,362 
September 30, 2024
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20242023202220212020YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$241,765 $325,492 $578,275 $809,643 $521,647 $1,447,237 $— $— $3,924,059 
Special Mention— 295 1,229 1,982 772 9,565 — — 13,843 
Substandard— 658 49 468 1,398 9,571 — — 12,144 
Correspondent purchased
Pass798 325,384 482,103 570,970 225,650 623,496 — — 2,228,401 
Special Mention— 993 659 658 398 977 — — 3,685 
Substandard— — 1,662 265 — 5,130 — — 7,057 
Bulk purchased
Pass— — — — — 124,076 — — 124,076 
Special Mention— — — — — — — — — 
Substandard— — — — — 3,514 — — 3,514 
242,563 652,822 1,063,977 1,383,986 749,865 2,223,566 — — 6,316,779 
Commercial:
Commercial real estate
Pass326,158 400,649 284,493 135,935 74,174 110,309 23,865 — 1,355,583 
Special Mention12,440 2,543 — — 92 1,094 — — 16,169 
Substandard142 827 — — 647 636 50 — 2,302 
Commercial and industrial
Pass46,335 32,112 18,131 8,075 1,350 2,051 20,876 — 128,930 
Special Mention401 — — — — — 12 — 413 
Substandard227 — — — — 82 26 — 335 
385,703 436,131 302,624 144,010 76,263 114,172 44,829 — 1,503,732 
Consumer:
Home equity
Pass7,331 4,377 4,575 1,437 814 2,127 73,020 5,895 99,576 
Special Mention— — — — — — 45 281 326 
Substandard— 20 — — — 24 120 181 345 
Other
Pass4,112 2,737 1,697 385 101 95 346 — 9,473 
Special Mention— — — — — — — — — 
Substandard80 14 44 — 4 — — — 142 
11,523 7,148 6,316 1,822 919 2,246 73,531 6,357 109,862 
Total$639,789 $1,096,101 $1,372,917 $1,529,818 $827,047 $2,339,984 $118,360 $6,357 $7,930,373 
Delinquency Status - The following tables set forth, as of the dates indicated, the amortized cost of current loans, loans 30 to 89 days delinquent, and loans 90 or more days delinquent or in foreclosure ("90+/FC"), by class of financing receivable and year of origination or most recent credit decision as of the dates indicated. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year.
June 30, 2025
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$175,465 $237,821 $303,716 $544,376 $758,421 $1,797,349 $— $— $3,817,148 
30-89— — 1,110 998 149 7,333 — — 9,590 
90+/FC— — — 254 108 1,803 — — 2,165 
Correspondent purchased
Current— 513 308,273 452,731 538,846 777,904 — — 2,078,267 
30-89— — 720 335 132 1,643 — — 2,830 
90+/FC— — — 377 — 1,387 — — 1,764 
Bulk purchased
Current— — — — — 116,800 — — 116,800 
30-89— — — — — 157 — — 157 
90+/FC— — — — — 137 — — 137 
175,465 238,334 613,819 999,071 1,297,656 2,704,513 — — 6,028,858 
Commercial:
Commercial real estate
Current511,404 291,605 422,999 226,049 112,744 141,666 8,863 — 1,715,330 
30-89147 — — 858 — 439 210 — 1,654 
90+/FC— 142 217 — 108 2,871 50 — 3,388 
Commercial and industrial
Current83,968 27,631 27,319 14,909 5,988 2,097 20,631 — 182,543 
30-89— — 62 — 65 — 1,039 — 1,166 
90+/FC— 227 — — — 82 104 — 413 
595,519 319,605 450,597 241,816 118,905 147,155 30,897 — 1,904,494 
Consumer:
Home equity
Current4,443 5,942 3,833 3,753 1,180 2,242 73,935 7,939 103,267 
30-89— 52 — 153 — 55 139 126 525 
90+/FC— — — — — 6 74 29 109 
Other
Current3,390 2,208 1,572 1,047 233 65 416 — 8,931 
30-8959 23 20 8 — — — — 110 
90+/FC9 37 14 8 — — — — 68 
7,901 8,262 5,439 4,969 1,413 2,368 74,564 8,094 113,010 
Total$778,885 $566,201 $1,069,855 $1,245,856 $1,417,974 $2,854,036 $105,461 $8,094 $8,046,362 
September 30, 2024
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20242023202220212020YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$241,765 $326,211 $578,430 $811,455 $521,550 $1,459,500 $— $— $3,938,911 
30-89— 64 1,074 638 1,666 5,422 — — 8,864 
90+/FC— 170 49 — 601 1,451 — — 2,271 
Correspondent purchased
Current798 326,377 482,598 571,182 226,048 624,961 — — 2,231,964 
30-89— — 164 446 — 2,479 — — 3,089 
90+/FC— — 1,662 265 — 2,163 — — 4,090 
Bulk purchased
Current— — — — — 125,982 — — 125,982 
30-89— — — — — 69 — — 69 
90+/FC— — — — — 1,539 — — 1,539 
242,563 652,822 1,063,977 1,383,986 749,865 2,223,566 — — 6,316,779 
Commercial:
Commercial real estate
Current338,511 403,193 284,493 135,932 74,266 110,448 23,055 — 1,369,898 
30-89229 807 — 3 — 1,094 860 — 2,993 
90+/FC— 19 — — 647 497 — — 1,163 
Commercial and industrial
Current46,736 32,112 17,990 8,052 1,350 2,051 20,914 — 129,205 
30-89227 — 141 23 — — — — 391 
90+/FC— — — — — 82 — — 82 
385,703 436,131 302,624 144,010 76,263 114,172 44,829 — 1,503,732 
Consumer:
Home equity
Current7,331 4,378 4,540 1,437 814 2,133 72,721 6,084 99,438 
30-89— — 35 — — — 349 87 471 
90+/FC— 19 — — — 18 115 186 338 
Other
Current4,109 2,728 1,641 327 101 95 344 — 9,345 
30-893 9 100 58 — — 2 — 172 
90+/FC80 14 — — 4 — — — 98 
11,523 7,148 6,316 1,822 919 2,246 73,531 6,357 109,862 
Total$639,789 $1,096,101 $1,372,917 $1,529,818 $827,047 $2,339,984 $118,360 $6,357 $7,930,373 
Gross Charge-Offs - The following tables present gross charge-offs, for the periods indicated, by class of financing receivable for the year of origination or most recent credit decision.
For the Nine Months Ended June 30, 2025
Revolving
Lines
CurrentFiscalFiscalFiscalFiscalRevolvingof Credit
FiscalYearYearYearYearPriorLines ofConverted to
Year2024202320222021YearsCreditTermTotal
(Dollars in thousands)
One- to four-family:
Originated$— $— $— $— $— $— $— $— $— 
Correspondent purchased— — — — — — — — — 
Bulk purchased— — — — — 113 — — 113 
— — — — — 113 — — 113 
Commercial:
Commercial real estate— — — — — — — — — 
Commercial and industrial— — — — — — — — — 
— — — — — — — — — 
Consumer:
Home equity35 12 — — — — — — 47 
Other— 1 4 — — 2 2 — 9 
35 13 4 — — 2 2 — 56 
Total$35 $13 $4 $— $— $115 $2 $— $169 

For the Nine Months Ended June 30, 2024
Revolving
Lines
FiscalFiscalFiscalFiscalFiscalRevolvingof Credit
YearYearYearYearYearPriorLines ofConverted to
20242023202220212020YearsCreditTermTotal
(Dollars in thousands)
One- to four-family:
Originated$— $— $— $— $— $— $— $— $— 
Correspondent purchased— — — — — — — — — 
Bulk purchased— — — — — — — — — 
— — — — — — — — — 
Commercial:
Commercial real estate50 — — — — 10 — — 60 
Commercial and industrial— — — — — — — — — 
50 — — — — 10 — — 60 
Consumer:
Home equity14 1 — — — — — — 15 
Other— 9 13 — — 4 — — 26 
14 10 13 — — 4 — — 41 
Total$64 $10 $13 $— $— $14 $— $— $101 
Delinquent Loans The following tables present the amortized cost, at the dates indicated, by class, of loans 30 to 89 days delinquent, loans 90 or more days delinquent or in foreclosure, total delinquent loans, current loans, and total loans. At June 30, 2025 and September 30, 2024, all loans 90 or more days delinquent were on nonaccrual status.
June 30, 2025
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$9,590 $2,165 $11,755 $3,817,148 $3,828,903 
Correspondent purchased2,830 1,764 4,594 2,078,267 2,082,861 
Bulk purchased157 137 294 116,800 117,094 
Commercial:
Commercial real estate1,654 3,388 5,042 1,715,330 1,720,372 
Commercial and industrial 1,166 413 1,579 182,543 184,122 
Consumer:
Home equity525 109 634 103,267 103,901 
Other110 68 178 8,931 9,109 
$16,032 $8,044 $24,076 $8,022,286 $8,046,362 

September 30, 2024
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$8,864 $2,271 $11,135 $3,938,911 $3,950,046 
Correspondent purchased3,089 4,090 7,179 2,231,964 2,239,143 
Bulk purchased69 1,539 1,608 125,982 127,590 
Commercial:
Commercial real estate2,993 1,163 4,156 1,369,898 1,374,054 
Commercial and industrial 391 82 473 129,205 129,678 
Consumer:
Home equity471 338 809 99,438 100,247 
Other172 98 270 9,345 9,615 
$16,049 $9,581 $25,630 $7,904,743 $7,930,373 
Nonaccrual Loans
The following table presents the amortized cost at June 30, 2025 and September 30, 2024, by class, of loans classified as nonaccrual. Nonaccrual loans with no ACL were individually evaluated for loss and any losses have been charged-off. The increase in nonaccrual commercial real estate loans as of June 30, 2025 was due primarily to two loans that are related to the same borrowing relationship. The Bank entered into an agreement with the borrower which allows the borrower to not make payments on these two loans until later in calendar year 2025; therefore, these loans were considered nonaccrual at June 30, 2025.
June 30, 2025September 30, 2024
Nonaccrual LoansNonaccrual Loans with No ACLNonaccrual LoansNonaccrual Loans with No ACL
(Dollars in thousands)
One- to four-family:
Originated$2,165 $889 $2,271 $764 
Correspondent purchased1,764 — 4,090 182 
Bulk purchased137 — 1,539 812 
Commercial:
Commercial real estate43,440 43,088 1,495 901 
Commercial and industrial 511 511 335 335 
Consumer:
Home equity109 — 338 — 
Other68 14 98 16 
$48,194 $44,502 $10,166 $3,010 
Modifications on Financing Receivables
Loan Modifications - The following tables present the amortized cost basis of loans, as of the dates indicated, that were both experiencing financial difficulties and modified during the periods noted, by class of financing receivable and by type of modification. Also presented in the tables is the percentage of the amortized cost basis of loans, at the dates indicated, that were modified to borrowers experiencing financial difficulties as compared to the amortized cost basis of each class of financing receivable during the periods noted. During the three and nine months ended June 30, 2025, there were no charge-offs related to loans modified during those periods. During the three and nine months ended June 30, 2024, there was a $50 thousand charge-off related to a commercial real estate loan that was modified during the three months ended June 30, 2024. The Company has not committed to lend additional amounts to borrowers included in these tables. The commercial real estate payment delay modifications during the three and nine-months ended June 30, 2025 were due primarily to two loans where the Bank entered into an agreement with the borrower which allows the borrower to not make payments until later in calendar year 2025. These two commercial real estate loans were classified as substandard and nonaccrual at June 30, 2025.
For the Three Months Ended June 30, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$340 $3,110 $1,645 $5,095 0.13 %
Correspondent purchased— — 523 523 0.03 
Bulk purchased— — — — — 
340 3,110 2,168 5,618 0.09 
Commercial:
Commercial real estate39,962 — — 39,962 2.32 
Commercial and industrial— 691 — 691 0.38 
39,962 691 — 40,653 2.13 
Consumer loans:
Home equity— — — — — 
Other— — — — — 
— — — — — 
Total$40,302 $3,801 $2,168 $46,271 0.58 
For the Nine Months Ended June 30, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$470 $4,455 $2,271 $7,196 0.19 %
Correspondent purchased— — 710 710 0.03 
Bulk purchased— — — — — 
470 4,455 2,981 7,906 0.13 
Commercial:
Commercial real estate47,912 — — 47,912 2.78 
Commercial and industrial— 994 — 994 0.54 
47,912 994 — 48,906 2.57 
Consumer loans:
Home equity20 35 — 55 0.05 
Other— — — — — 
20 35 — 55 0.05 
Total$48,402 $5,484 $2,981 $56,867 0.71 

For the Three Months Ended June 30, 2024
Term
ExtensionTotal
andClass of
TermPaymentFinancing
ExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$623 $59 $682 0.02 %
Correspondent purchased— — — — 
Bulk purchased— — — — 
623 59 682 0.01 
Commercial:
Commercial real estate— — — — 
Commercial and industrial— 30 30 0.02 
— 30 30 — 
Consumer loans:
Home equity— — — — 
Other— — — — 
— — — — 
Total$623 $89 $712 0.01 
For the Nine Months Ended June 30, 2024
Term
ExtensionTotal
andClass of
TermPaymentFinancing
ExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$623 $7,114 $7,737 0.19 %
Correspondent purchased— 1,731 1,731 0.08 
Bulk purchased— — — — 
623 8,845 9,468 0.15 
Commercial:
Commercial real estate— 192 192 0.01 
Commercial and industrial— 486 486 0.37 
— 678 678 0.05 
Consumer loans:
Home equity— — — — 
Other— — — — 
— — — — 
Total$623 $9,523 $10,146 0.13 

Financial effect of loan modifications - The tables below present the financial effect of loan modifications during the three and nine months ended June 30, 2025 and 2024, including the weighted average payment delay and weighted average term extension.
For the Three Months Ended June 30, 2025For the Nine Months Ended June 30, 2025
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated8 months26 months8 months23 months
Correspondent purchased8 months27 months8 months44 months
Commercial:
Commercial real estate8 monthsN/A8 monthsN/A
Commercial and industrialN/A6 monthsN/A5 months
Consumer:
Consumer home equityN/AN/A7 months14 months

For the Three Months Ended June 30, 2024For the Nine Months Ended June 30, 2024
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated8 months20 months4 months31 months
Correspondent purchasedN/AN/A4 months17 months
Commercial:
Commercial real estateN/AN/A24 months24 months
Commercial and industrial6 months9 months6 months6 months
Modifications, Past Due
Performance of loan modifications - The Company closely monitors the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans, based on amortized cost, by class of financing receivable as of June 30, 2025, on loans modified during the previous 12-months for borrowers experiencing financial difficulty that were delinquent as of June 30, 2025, or as of June 30, 2024 on loans modified on or after October 1, 2023 (the day the Company adopted ASU 2022-02) through June 30, 2024 for borrowers experiencing financial difficulty, that were delinquent as of June 30, 2024. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of June 30, 2025 and June 30, 2024.
As of June 30, 2025As of June 30, 2024
30 to 89 Days
Delinquent		90 or More Days
Delinquent or in Foreclosure		Total
Delinquent Loans		30 to 89 Days
Delinquent		90 or More Days
Delinquent or in Foreclosure		Total
Delinquent Loans
(Dollars in thousands)
One- to four-family:
Originated$1,610 $193 $1,803 $1,847 $205 $2,052 
Correspondent purchased— — — 182 — 182 
Bulk purchased— — — — — — 
Commercial:
Commercial real estate— — — 50 — 50 
Commercial and industrial994 — 994 — — — 
Consumer loans:
Home equity86 — 86 — — — 
Other— — — — — — 
$2,690 $193 $2,883 $2,079 $205 $2,284 
Modifications, Subsequent Default
The following tables present the amortized cost basis of loans that had a payment default during the three and nine months ended June 30, 2025 and were modified to borrowers experiencing financial difficulty in the 12-months prior to the default date, or loans that had a payment default during the three and nine months ended June 30, 2024 and were modified to borrowers experiencing financial difficulty on or after October 1, 2023 (the day the Company adopted ASU 2022-02) prior to the default date, by class of financing receivable and by type of modification. The Company considers "default" to mean 90 days or more past due under the modified terms.
For the Three Months Ended June 30, 2025For the Nine Months Ended June 30, 2025
Term
Extension
and
TermPaymentTermPayment
ExtensionDelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$193 $82 $193 $148 $423 
Correspondent purchased— — — 426 426 
Bulk purchased— — — — — 
Commercial:
Commercial real estate— — — 192 192 
Commercial and industrial— — — 227 227 
Consumer loans:
Home equity— 85 — — 85 
Other— — — — — 
$193 $167 $193 $993 $1,353 
For the Three Months Ended June 30, 2024For the Nine Months Ended June 30, 2024
TermTerm
ExtensionExtension
andand
PaymentPayment
DelayDelay
(Dollars in thousands)
One- to four-family:
Originated$188 $205 
Correspondent purchased— — 
Bulk purchased— — 
Commercial:
Commercial real estate— — 
Commercial and industrial— — 
Consumer loans:
Home equity— — 
Other— — 
$188 $205 
Allowance for Credit Losses The following tables summarize ACL activity, by loan portfolio segment, for the periods presented.
For the Three Months Ended June 30, 2025
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$3,562 $19,005 $1,171 $232 $23,970 
Charge-offs— — — (29)(29)
Recoveries2 — 1 1 4 
Provision for credit losses(32)(2,407)1,269 33 (1,137)
Ending balance$3,532 $16,598 $2,441 $237 $22,808 
For the Nine Months Ended June 30, 2025
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$3,673 $17,968 $1,186 $208 $23,035 
Charge-offs(113)— — (56)(169)
Recoveries7 20 3 7 37 
Provision for credit losses(35)(1,390)1,252 78 (95)
Ending balance$3,532 $16,598 $2,441 $237 $22,808 
For the Three Months Ended June 30, 2024
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$5,060 $18,311 $1,019 $244 $24,634 
Charge-offs— (50)— (26)(76)
Recoveries17 — 2 — 19 
Provision for credit losses(271)1,401 113 34 1,277 
Ending balance$4,806 $19,662 $1,134 $252 $25,854 
For the Nine Months Ended June 30, 2024
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialConsumerTotal
(Dollars in thousands)
Beginning balance$5,328 $17,076 $1,104 $251 $23,759 
Adoption of ASU 2022-0218 — 2 — 20 
Balance at October 1, 20235,346 17,076 1,106 251 23,779 
Charge-offs— (60)— (41)(101)
Recoveries25 — 3 15 43 
Provision for credit losses(565)2,646 25 27 2,133 
Ending balance$4,806 $19,662 $1,134 $252 $25,854 
At June 30, 2025 and September 30, 2024, the Bank's off-balance sheet credit exposures totaled $875.6 million and $826.5 million, respectively.
The following table summarizes the change in reserve for off-balance sheet credit exposures during the periods indicated. The provision for the three months ended June 30, 2025 was due primarily to an increase in the balance of commercial and industrial off-balance sheet credit exposures. The increase in the reserve for off-balance sheet credit exposures as of June 30, 2025 compared to June 30, 2024 was due primarily to an increase in commercial real estate and commercial and industrial off-balance sheet credit exposures between periods.
For the Three Months Ended For the Nine Months Ended
June 30, 2025June 30, 2024June 30, 2025June 30, 2024
(Dollars in thousands)
Beginning balance$5,638 $3,679 $6,003 $4,095 
Adoption of ASU 2022-02— — — 16 
Provision for credit losses686 195 321 (237)
Ending balance$6,324 $3,874 $6,324 $3,874 
v3.25.2
Fair Value Of Financial Instruments (Tables)
 9 Months Ended
Jun. 30, 2025
Fair Value Disclosures [Abstract]  
Schedule Of Fair Value Assets Measured On A Recurring Basis
The following tables provide the level of valuation assumption used to determine the carrying value of the Company's financial instruments measured at fair value on a recurring basis at the dates presented. The Company did not have any Level 3 financial instruments measured at fair value on a recurring basis at June 30, 2025 or September 30, 2024.
June 30, 2025
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value(Level 1)(Level 2)(Level 3)
(Dollars in thousands)
Assets:
AFS Securities:
MBS$897,575 $— $897,575 $— 
GSE debentures54,955 — 54,955 — 
Corporate bonds3,699 — 3,699 — 
956,229 — 956,229 — 
Interest rate swaps1,463 — 1,463 — 
$957,692 $— $957,692 $— 

September 30, 2024
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value(Level 1)(Level 2)(Level 3)
(Dollars in thousands)
Assets:
AFS Securities:
MBS$783,573 $— $783,573 $— 
GSE debentures69,305 — 69,305 — 
Corporate bonds3,388 — 3,388 — 
856,266 — 856,266 — 
Interest rate swaps2,103 — 2,103 — 
$858,369 $— $858,369 $— 
Schedule Of Carrying Amounts And Estimated Fair Values Of Financial Instruments
The carrying amounts and estimated fair values of the Company's financial instruments by fair value hierarchy, at the dates presented, were as follows:
June 30, 2025
CarryingEstimated Fair Value
AmountTotalLevel 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$174,965 $174,965 $174,965 $— $— 
AFS securities956,229 956,229 — 956,229 — 
Loans receivable8,023,554 7,739,102 — — 7,739,102 
FHLB stock98,225 98,225 98,225 — — 
Interest rate swaps1,463 1,463 — 1,463 — 
Liabilities:
Deposits6,431,137 6,431,235 3,509,556 2,921,679 — 
Borrowings2,071,585 2,066,711 — 2,066,711 — 
September 30, 2024
CarryingEstimated Fair Value
AmountTotalLevel 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$217,307 $217,307 $217,307 $— $— 
AFS securities856,266 856,266 — 856,266 — 
Loans receivable7,907,338 7,660,535 — — 7,660,535 
FHLB stock101,175 101,175 101,175 — — 
Interest rate swaps2,103 2,103 — 2,103 — 
Liabilities:
Deposits6,129,982 6,135,652 3,164,672 2,970,980 — 
Borrowings2,179,564 2,169,403 — 2,169,403 — 
v3.25.2
Accumulated Other Comprehensive Income (Tables)
 9 Months Ended
Jun. 30, 2025
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]  
Schedule of Accumulated Other Comprehensive Income (Loss)
The following tables present the changes in the components of AOCI, net of tax, for the periods indicated.
For the Three Months Ended June 30, 2025
UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$15,040 $2,012 $17,052 
Other comprehensive income (loss), before reclassifications2,303 (345)1,958 
Amount reclassified from AOCI, net of taxes of $177
— (557)(557)
Other comprehensive income (loss)2,303 (902)1,401 
Ending balance$17,343 $1,110 $18,453 
For the Nine Months Ended June 30, 2025
UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$20,032 $1,595 $21,627 
Other comprehensive income (loss), before reclassifications(2,689)1,324 (1,365)
Amount reclassified from AOCI, net of taxes of $576
— (1,809)(1,809)
Other comprehensive income (loss)(2,689)(485)(3,174)
Ending balance$17,343 $1,110 $18,453 
For the Three Months Ended June 30, 2024
UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$8,780 $5,747 $14,527 
Other comprehensive income (loss), before reclassifications(2,412)829 (1,583)
Amount reclassified from AOCI, net of taxes of $502
— (1,561)(1,561)
Other comprehensive income (loss)(2,412)(732)(3,144)
Ending balance$6,368 $5,015 $11,383 
For the Nine Months Ended June 30, 2024
 UnrealizedUnrealized
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$(1,142)$9,842 $8,700 
Other comprehensive income (loss), before reclassifications8,698 352 9,050 
Amount reclassified from AOCI, net of taxes of $1,670
— (5,179)(5,179)
Reclassification adjustment for gross gains on AFS securities
  included in net income, net of taxes of $383
(1,188)— (1,188)
Other comprehensive income (loss)7,510 (4,827)2,683 
Ending balance$6,368 $5,015 $11,383 
v3.25.2
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Mar. 31, 2025
Dec. 31, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Jun. 30, 2025
Jun. 30, 2024
Earnings Per Share [Abstract]                
Net income $ 18,382 $ 15,399 $ 15,431 $ 9,648 $ 13,762 $ 2,543 $ 49,212 $ 25,953
Income allocated to participating securities (22)     (10)     (58) (21)
Net income available to common stockholders, basic 18,360     9,638     49,154 25,932
Net Income available to common stockholders, diluted $ 18,360     $ 9,638     $ 49,154 $ 25,932
Total basic average common shares outstanding 130,081,065     129,866,397     130,026,451 130,923,888
Effect of dilutive stock options 0     0     0 0
Total diluted average common shares outstanding 130,081,065     129,866,397     130,026,451 130,923,888
Net EPS                
Basic $ 0.14     $ 0.07     $ 0.38 $ 0.20
Diluted $ 0.14     $ 0.07     $ 0.38 $ 0.20
Antidilutive stock options, excluded from the diluted average common shares outstanding calculation 242,728     324,374     274,502 328,827
v3.25.2
Securities (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Sep. 30, 2024
Marketable Securities [Line Items]          
Debt Securities, Available-for-Sale, Excluding Accrued Interest $ (956,229)   $ (956,229)   $ (856,266)
Proceeds from sale of AFS securities     0 $ 1,272,512  
Gross loss from securities transaction       14,900  
Gross gain from securities transaction       1,600  
Net loss from securities transactions 0 $ 0 0 $ 13,345  
Residential MBS [Member]          
Marketable Securities [Line Items]          
Debt Securities, Available-for-Sale, Excluding Accrued Interest (827,800)   (827,800)   (713,300)
Commercial MBS [Member]          
Marketable Securities [Line Items]          
Debt Securities, Available-for-Sale, Excluding Accrued Interest $ (69,700)   $ (69,700)   (70,200)
Debt Securities, Available-for-Sale, FV of Securities Sold          
Marketable Securities [Line Items]          
Debt Securities, Available-for-Sale, Excluding Accrued Interest         $ (1,300,000)
v3.25.2
Securities (Amortized Cost, Estimated Fair Value, and Gross Unrealized Gains and Losses of AFS and HTM Securities) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Marketable Securities [Line Items]    
Available-for-sale Securities, Amortized Cost $ 933,360 $ 829,852
Available-for-sale Securities, Gross Unrealized Gains 23,531 27,113
Available-for-sale Securities, Gross Unrealized Losses 662 699
Available-for-sale Securities, Estimated Fair Value 956,229 856,266
MBS [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Amortized Cost 874,360 756,775
Available-for-sale Securities, Gross Unrealized Gains 23,527 26,885
Available-for-sale Securities, Gross Unrealized Losses 312 87
Available-for-sale Securities, Estimated Fair Value 897,575 783,573
GSE Debentures [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Amortized Cost 55,000 69,077
Available-for-sale Securities, Gross Unrealized Gains 4 228
Available-for-sale Securities, Gross Unrealized Losses 49 0
Available-for-sale Securities, Estimated Fair Value 54,955 69,305
Corporate Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Amortized Cost 4,000 4,000
Available-for-sale Securities, Gross Unrealized Gains 0 0
Available-for-sale Securities, Gross Unrealized Losses 301 612
Available-for-sale Securities, Estimated Fair Value $ 3,699 $ 3,388
v3.25.2
Securities (Schedule Of Estimated Fair Value And Gross Unrealized Losses Of Securities In Continuous Unrealized Loss Position) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Marketable Securities [Line Items]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value $ 118,280 $ 10,997
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses 293 44
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value 12,047 6,307
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses 369 655
MBS [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value 73,329 10,997
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses 244 44
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value 8,348 2,919
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses 68 43
GSE Debentures [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value 44,951  
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses 49  
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value 0  
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses 0  
Corporate Bonds [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses 0 0
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value 3,699 3,388
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses $ 301 $ 612
v3.25.2
Securities (Schedule Of Contractual Maturities) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Marketable Securities [Abstract]    
Available-for-sale Securities, Five years through ten years, Amortized Cost $ 59,000  
Available-for-sale Securities, Included in maturity categories, Amortized Cost 59,000  
MBS, Amortized Cost 874,360  
Available-for-sale Securities, Amortized Cost 933,360 $ 829,852
Available-for-sale Securities, Five years through ten years, Estimated Fair Value 58,654  
Available-for-sale Securities, Included in maturity categories, Estimated Fair Value 58,654  
MBS, Estimated Fair Value 897,575  
Available-for-sale Securities, Estimated Fair Value $ 956,229 $ 856,266
v3.25.2
Securities (Schedule Of Taxable And Non-taxable Components Of Interest Income) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Marketable Securities [Abstract]        
Taxable $ 784 $ 2,255 $ 2,795 $ 7,113
Non-taxable 0 0 0 2
Interest income on investment securities $ 784 $ 2,255 $ 2,795 $ 7,115
v3.25.2
Securities (Schedule Of Carrying Value Of Securities Pledged As Collateral) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Marketable Securities [Line Items]    
AFS Securities $ 956,229 $ 856,266
Asset Pledged as Collateral [Member]    
Marketable Securities [Line Items]    
AFS Securities 250,109 220,029
Asset Pledged as Collateral [Member] | FRB of Kansas City borrowings [Member]    
Marketable Securities [Line Items]    
AFS Securities 95,307 111,281
Asset Pledged as Collateral [Member] | Public unit deposits [Member]    
Marketable Securities [Line Items]    
AFS Securities $ 154,802 $ 108,748
v3.25.2
Loans Receivable And Allowance For Credit Losses (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2026
Sep. 30, 2024
Loans Receivable [Line Items]            
Loan-to-value ratio securing commercial real estate loans, maximum 85.00%   85.00%      
Debt service coverage ratio for commercial real estate loans, minimum 1.15   1.15      
Loan-to-value ratio securing commercial construction loans, maximum 80.00%   80.00%      
Outstanding Loan Balance for Commercial Loan Annual Review Minimum $ 1,500   $ 1,500      
Outstanding Loan Balance for Commercial Total Relationship Annual Review Minimum 5,000   5,000      
Loans receivable 8,023,554   8,023,554     $ 7,907,338
Amortized cost of loans in process of foreclosure 802   802     1,600
Carrying value of residential OREO 92   92     55
Financing receivable, gross charge-offs on modified loans 0 $ 50 0 $ 50    
Financing receivable, modified, commitment to lend 0 $ 0 0 $ 0    
Off-balance sheet credit exposures 875,600   875,600     826,500
Forecast [Member]            
Loans Receivable [Line Items]            
Unemployment rate         5.70%  
Doubtful [Member]            
Loans Receivable [Line Items]            
Loans receivable $ 0   $ 0     $ 0
v3.25.2
Loans Receivable And Allowance For Credit Losses (Summary Of Loans Receivable) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Mar. 31, 2025
Sep. 30, 2024
Jun. 30, 2024
Mar. 31, 2024
Sep. 30, 2023
Loans Receivable [Line Items]            
Loans receivable, gross $ 8,043,000   $ 7,923,251      
ACL 22,808 $ 23,970 23,035 $ 25,854 $ 24,634 $ 23,759
Deferred loan fees/discounts 31,159   30,336      
Premiums/deferred costs (34,521)   (37,458)      
Loans receivable, net 8,023,554   7,907,338      
One- to Four-Family Segment [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 6,018,486   6,304,670      
ACL 3,532 3,562 3,673 4,806 5,060 5,328
One- to Four-Family Segment [Member] | Originated [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 3,828,171   3,941,952      
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 2,058,749   2,212,587      
One- to Four-Family Segment [Member] | Bulk Purchased [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 116,706   127,161      
One- to Four-Family Segment [Member] | Construction [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 14,860   22,970      
Commercial Segment [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 1,911,841   1,508,978      
Commercial Segment [Member] | Construction [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 165,760   187,676      
Commercial Segment [Member] | Commercial Real Estate [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 1,561,691   1,191,624      
ACL 16,598 19,005 17,968 19,662 18,311 17,076
Commercial Segment [Member] | Commercial and Industrial [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 184,390   129,678      
ACL 2,441 1,171 1,186 1,134 1,019 1,104
Consumer Segment [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 112,673   109,603      
ACL 237 $ 232 208 $ 252 $ 244 $ 251
Consumer Segment [Member] | Home Equity [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 103,564   99,988      
Consumer Segment [Member] | Other [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross $ 9,109   $ 9,615      
v3.25.2
Loans Receivable And Allowance For Credit Losses (Classified Loans) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One $ 778,885 $ 639,789
Year Two 566,201 1,096,101
Year Three 1,069,855 1,372,917
Year Four 1,245,856 1,529,818
Year Five 1,417,974 827,047
Prior Years 2,854,036 2,339,984
Revolving Line of Credit 105,461 118,360
Revolving Line of Credit Converted to Term Loan 8,094 6,357
Total Amortized Cost 8,046,362 7,930,373
One- to Four-Family Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 175,465 242,563
Year Two 238,334 652,822
Year Three 613,819 1,063,977
Year Four 999,071 1,383,986
Year Five 1,297,656 749,865
Prior Years 2,704,513 2,223,566
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 6,028,858 6,316,779
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 3,828,903 3,950,046
One- to Four-Family Segment [Member] | Originated [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 175,465 241,765
Year Two 237,821 325,492
Year Three 301,776 578,275
Year Four 544,279 809,643
Year Five 756,649 521,647
Prior Years 1,789,116 1,447,237
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 3,805,106 3,924,059
One- to Four-Family Segment [Member] | Originated [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 295
Year Three 1,394 1,229
Year Four 781 1,982
Year Five 1,706 772
Prior Years 6,168 9,565
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 10,049 13,843
One- to Four-Family Segment [Member] | Originated [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 658
Year Three 1,656 49
Year Four 568 468
Year Five 323 1,398
Prior Years 11,201 9,571
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 13,748 12,144
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 2,082,861 2,239,143
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 798
Year Two 513 325,384
Year Three 308,011 482,103
Year Four 452,304 570,970
Year Five 538,342 225,650
Prior Years 775,638 623,496
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,074,808 2,228,401
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 993
Year Three 982 659
Year Four 523 658
Year Five 368 398
Prior Years 661 977
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,534 3,685
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 1,662
Year Four 616 265
Year Five 268 0
Prior Years 4,635 5,130
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 5,519 7,057
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 117,094 127,590
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 114,837 124,076
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 114,837 124,076
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 0 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 2,257 3,514
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,257 3,514
Commercial Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 595,519 385,703
Year Two 319,605 436,131
Year Three 450,597 302,624
Year Four 241,816 144,010
Year Five 118,905 76,263
Prior Years 147,155 114,172
Revolving Line of Credit 30,897 44,829
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,904,494 1,503,732
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 1,720,372 1,374,054
Commercial Segment [Member] | Commercial Real Estate [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 463,559 326,158
Year Two 291,605 400,649
Year Three 381,668 284,493
Year Four 226,907 135,935
Year Five 112,744 74,174
Prior Years 141,934 110,309
Revolving Line of Credit 9,073 23,865
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,627,490 1,355,583
Commercial Segment [Member] | Commercial Real Estate [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 8,030 12,440
Year Two 0 2,543
Year Three 0 0
Year Four 0 0
Year Five 0 92
Prior Years 81 1,094
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 8,111 16,169
Commercial Segment [Member] | Commercial Real Estate [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 39,962 142
Year Two 142 827
Year Three 41,548 0
Year Four 0 0
Year Five 108 647
Prior Years 2,961 636
Revolving Line of Credit 50 50
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 84,771 2,302
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 184,122 129,678
Commercial Segment [Member] | Commercial and Industrial [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 83,689 46,335
Year Two 27,631 32,112
Year Three 27,355 18,131
Year Four 14,761 8,075
Year Five 6,053 1,350
Prior Years 2,097 2,051
Revolving Line of Credit 20,453 20,876
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 182,039 128,930
Commercial Segment [Member] | Commercial and Industrial [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 279 401
Year Two 0 0
Year Three 26 0
Year Four 51 0
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 526 12
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 882 413
Commercial Segment [Member] | Commercial and Industrial [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 227
Year Two 227 0
Year Three 0 0
Year Four 97 0
Year Five 0 0
Prior Years 82 82
Revolving Line of Credit 795 26
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,201 335
Consumer Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 7,901 11,523
Year Two 8,262 7,148
Year Three 5,439 6,316
Year Four 4,969 1,822
Year Five 1,413 919
Prior Years 2,368 2,246
Revolving Line of Credit 74,564 73,531
Revolving Line of Credit Converted to Term Loan 8,094 6,357
Total Amortized Cost 113,010 109,862
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 103,901 100,247
Consumer Segment [Member] | Home Equity [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 4,443 7,331
Year Two 5,994 4,377
Year Three 3,813 4,575
Year Four 3,906 1,437
Year Five 1,180 814
Prior Years 2,292 2,127
Revolving Line of Credit 73,800 73,020
Revolving Line of Credit Converted to Term Loan 7,887 5,895
Total Amortized Cost 103,315 99,576
Consumer Segment [Member] | Home Equity [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 20 0
Year Four 0 0
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 257 45
Revolving Line of Credit Converted to Term Loan 88 281
Total Amortized Cost 365 326
Consumer Segment [Member] | Home Equity [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 20
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 11 24
Revolving Line of Credit 91 120
Revolving Line of Credit Converted to Term Loan 119 181
Total Amortized Cost 221 345
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 9,109 9,615
Consumer Segment [Member] | Other [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 3,449 4,112
Year Two 2,231 2,737
Year Three 1,592 1,697
Year Four 1,021 385
Year Five 233 101
Prior Years 65 95
Revolving Line of Credit 416 346
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 9,007 9,473
Consumer Segment [Member] | Other [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 0 0
Consumer Segment [Member] | Other [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 9 80
Year Two 37 14
Year Three 14 44
Year Four 42 0
Year Five 0 4
Prior Years 0 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost $ 102 $ 142
v3.25.2
Loans Receivable And Allowance For Credit Losses (Delinquent Loans) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One $ 778,885 $ 639,789
Year Two 566,201 1,096,101
Year Three 1,069,855 1,372,917
Year Four 1,245,856 1,529,818
Year Five 1,417,974 827,047
Prior Years 2,854,036 2,339,984
Revolving Line of Credit 105,461 118,360
Revolving Line of Credit Converted to Term Loan 8,094 6,357
Total Amortized Cost 8,046,362 7,930,373
Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 8,022,286 7,904,743
Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 16,032 16,049
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 8,044 9,581
One- to Four-Family Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 175,465 242,563
Year Two 238,334 652,822
Year Three 613,819 1,063,977
Year Four 999,071 1,383,986
Year Five 1,297,656 749,865
Prior Years 2,704,513 2,223,566
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 6,028,858 6,316,779
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 3,828,903 3,950,046
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 175,465 241,765
Year Two 237,821 326,211
Year Three 303,716 578,430
Year Four 544,376 811,455
Year Five 758,421 521,550
Prior Years 1,797,349 1,459,500
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 3,817,148 3,938,911
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 64
Year Three 1,110 1,074
Year Four 998 638
Year Five 149 1,666
Prior Years 7,333 5,422
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 9,590 8,864
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 170
Year Three 0 49
Year Four 254 0
Year Five 108 601
Prior Years 1,803 1,451
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,165 2,271
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 2,082,861 2,239,143
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 798
Year Two 513 326,377
Year Three 308,273 482,598
Year Four 452,731 571,182
Year Five 538,846 226,048
Prior Years 777,904 624,961
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,078,267 2,231,964
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 720 164
Year Four 335 446
Year Five 132 0
Prior Years 1,643 2,479
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,830 3,089
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 1,662
Year Four 377 265
Year Five 0 0
Prior Years 1,387 2,163
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,764 4,090
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 117,094 127,590
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 116,800 125,982
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 116,800 125,982
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 157 69
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 157 69
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 137 1,539
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 137 1,539
Commercial Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 595,519 385,703
Year Two 319,605 436,131
Year Three 450,597 302,624
Year Four 241,816 144,010
Year Five 118,905 76,263
Prior Years 147,155 114,172
Revolving Line of Credit 30,897 44,829
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,904,494 1,503,732
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 1,720,372 1,374,054
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 511,404 338,511
Year Two 291,605 403,193
Year Three 422,999 284,493
Year Four 226,049 135,932
Year Five 112,744 74,266
Prior Years 141,666 110,448
Revolving Line of Credit 8,863 23,055
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,715,330 1,369,898
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 147 229
Year Two 0 807
Year Three 0 0
Year Four 858 3
Year Five 0 0
Prior Years 439 1,094
Revolving Line of Credit 210 860
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,654 2,993
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 142 19
Year Three 217 0
Year Four 0 0
Year Five 108 647
Prior Years 2,871 497
Revolving Line of Credit 50 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 3,388 1,163
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 184,122 129,678
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 83,968 46,736
Year Two 27,631 32,112
Year Three 27,319 17,990
Year Four 14,909 8,052
Year Five 5,988 1,350
Prior Years 2,097 2,051
Revolving Line of Credit 20,631 20,914
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 182,543 129,205
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 227
Year Two 0 0
Year Three 62 141
Year Four 0 23
Year Five 65 0
Prior Years 0 0
Revolving Line of Credit 1,039 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,166 391
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 227 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 82 82
Revolving Line of Credit 104 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 413 82
Consumer Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 7,901 11,523
Year Two 8,262 7,148
Year Three 5,439 6,316
Year Four 4,969 1,822
Year Five 1,413 919
Prior Years 2,368 2,246
Revolving Line of Credit 74,564 73,531
Revolving Line of Credit Converted to Term Loan 8,094 6,357
Total Amortized Cost 113,010 109,862
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 103,901 100,247
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 4,443 7,331
Year Two 5,942 4,378
Year Three 3,833 4,540
Year Four 3,753 1,437
Year Five 1,180 814
Prior Years 2,242 2,133
Revolving Line of Credit 73,935 72,721
Revolving Line of Credit Converted to Term Loan 7,939 6,084
Total Amortized Cost 103,267 99,438
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 52 0
Year Three 0 35
Year Four 153 0
Year Five 0 0
Prior Years 55 0
Revolving Line of Credit 139 349
Revolving Line of Credit Converted to Term Loan 126 87
Total Amortized Cost 525 471
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 19
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 6 18
Revolving Line of Credit 74 115
Revolving Line of Credit Converted to Term Loan 29 186
Total Amortized Cost 109 338
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 9,109 9,615
Consumer Segment [Member] | Other [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 3,390 4,109
Year Two 2,208 2,728
Year Three 1,572 1,641
Year Four 1,047 327
Year Five 233 101
Prior Years 65 95
Revolving Line of Credit 416 344
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 8,931 9,345
Consumer Segment [Member] | Other [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 59 3
Year Two 23 9
Year Three 20 100
Year Four 8 58
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 0 2
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 110 172
Consumer Segment [Member] | Other [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 9 80
Year Two 37 14
Year Three 14 0
Year Four 8 0
Year Five 0 4
Prior Years 0 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost $ 68 $ 98
v3.25.2
Loans Receivable And Allowance For Credit Losses (Gross Charge-offs) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     $ 35 $ 64
Year Two     13 10
Year Three     4 13
Year Four     0 0
Year Five     0 0
Prior Years     115 14
Revolving Line of Credit     2 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs $ 29 $ 76 169 101
One- to Four-Family Segment [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     113 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs 0 0 113 0
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     0 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     0 0
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     0 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     0 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     113 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     113 0
Commercial Segment [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 50
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     0 10
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     0 60
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 50
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     0 10
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs 0 50 0 60
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     0 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs 0 0 0 0
Consumer Segment [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     35 14
Year Two     13 10
Year Three     4 13
Year Four     0 0
Year Five     0 0
Prior Years     2 4
Revolving Line of Credit     2 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs $ 29 $ 26 56 41
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     35 14
Year Two     12 1
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     0 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     47 15
Consumer Segment [Member] | Other [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     1 9
Year Three     4 13
Year Four     0 0
Year Five     0 0
Prior Years     2 4
Revolving Line of Credit     2 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     $ 9 $ 26
v3.25.2
Loans Receivable And Allowance For Credit Losses (Loans, Past Due Aging Analysis) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost $ 8,046,362 $ 7,930,373
Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 24,076 25,630
Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 16,032 16,049
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 8,044 9,581
Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 8,022,286 7,904,743
One- to Four-Family Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 6,028,858 6,316,779
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 3,828,903 3,950,046
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 11,755 11,135
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 9,590 8,864
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,165 2,271
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 3,817,148 3,938,911
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,082,861 2,239,143
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 4,594 7,179
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,830 3,089
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,764 4,090
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,078,267 2,231,964
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 117,094 127,590
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 294 1,608
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 157 69
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 137 1,539
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 116,800 125,982
Commercial Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,904,494 1,503,732
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,720,372 1,374,054
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 5,042 4,156
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,654 2,993
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 3,388 1,163
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,715,330 1,369,898
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 184,122 129,678
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,579 473
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,166 391
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 413 82
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 182,543 129,205
Consumer Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 113,010 109,862
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 103,901 100,247
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 634 809
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 525 471
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 109 338
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 103,267 99,438
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 9,109 9,615
Consumer Segment [Member] | Other [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 178 270
Consumer Segment [Member] | Other [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 110 172
Consumer Segment [Member] | Other [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 68 98
Consumer Segment [Member] | Other [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost $ 8,931 $ 9,345
v3.25.2
Loans Receivable And Allowance For Credit Losses (Loans, Nonaccrual) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans $ 48,194 $ 10,166
Nonaccrual loans with no ACL 44,502 3,010
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 2,165 2,271
Nonaccrual loans with no ACL 889 764
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 1,764 4,090
Nonaccrual loans with no ACL 0 182
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 137 1,539
Nonaccrual loans with no ACL 0 812
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 43,440 1,495
Nonaccrual loans with no ACL 43,088 901
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 511 335
Nonaccrual loans with no ACL 511 335
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 109 338
Nonaccrual loans with no ACL 0 0
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 68 98
Nonaccrual loans with no ACL $ 14 $ 16
v3.25.2
Loans Receivable and Allowance For Credit Losses (Modifications on Financing Receivables) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 46,271 $ 712 $ 56,867 $ 10,146
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.58% 0.01% 0.71% 0.13%
Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 40,302   $ 48,402  
Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 3,801 $ 623 5,484 $ 623
Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 2,168 89 2,981 9,523
One- to Four-Family Segment [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 5,618 $ 682 $ 7,906 $ 9,468
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.09% 0.01% 0.13% 0.15%
One- to Four-Family Segment [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 340   $ 470  
One- to Four-Family Segment [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 3,110 $ 623 4,455 $ 623
One- to Four-Family Segment [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 2,168 59 2,981 8,845
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 5,095 $ 682 $ 7,196 $ 7,737
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.13% 0.02% 0.19% 0.19%
One- to Four-Family Segment [Member] | Originated [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 340   $ 470  
One- to Four-Family Segment [Member] | Originated [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 3,110 $ 623 4,455 $ 623
One- to Four-Family Segment [Member] | Originated [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 1,645 59 2,271 7,114
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 523 $ 0 $ 710 $ 1,731
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.03% 0.00% 0.03% 0.08%
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0   $ 0  
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 $ 0 0 $ 0
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 523 0 710 1,731
One- to Four-Family Segment [Member] | Bulk Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.00% 0.00%
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0   $ 0  
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 $ 0 0 $ 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 0 0 0
Commercial Segment [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 40,653 $ 30 $ 48,906 $ 678
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 2.13% 0.00% 2.57% 0.05%
Commercial Segment [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 39,962   $ 47,912  
Commercial Segment [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 691 $ 0 994 $ 0
Commercial Segment [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 30 0 678
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 39,962 $ 0 $ 47,912 $ 192
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 2.32% 0.00% 2.78% 0.01%
Commercial Segment [Member] | Commercial Real Estate [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 39,962   $ 47,912  
Commercial Segment [Member] | Commercial Real Estate [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 $ 0 0 $ 0
Commercial Segment [Member] | Commercial Real Estate [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 0 0 192
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 691 $ 30 $ 994 $ 486
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.38% 0.02% 0.54% 0.37%
Commercial Segment [Member] | Commercial and Industrial [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0   $ 0  
Commercial Segment [Member] | Commercial and Industrial [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 691 $ 0 994 $ 0
Commercial Segment [Member] | Commercial and Industrial [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 30 0 486
Consumer Segment [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0 $ 0 $ 55 $ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.05% 0.00%
Consumer Segment [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0   $ 20  
Consumer Segment [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 $ 0 35 $ 0
Consumer Segment [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 0 0 0
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0 $ 0 $ 55 $ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.05% 0.00%
Consumer Segment [Member] | Home Equity [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0   $ 20  
Consumer Segment [Member] | Home Equity [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 $ 0 35 $ 0
Consumer Segment [Member] | Home Equity [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 0 0 0
Consumer Segment [Member] | Other [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.00% 0.00%
Consumer Segment [Member] | Other [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0   $ 0  
Consumer Segment [Member] | Other [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 $ 0 0 $ 0
Consumer Segment [Member] | Other [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 0 $ 0 $ 0 $ 0
v3.25.2
Loans Receivable and Allowance for Credit Losses (Financial Effect of Modifications) (Details)
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 8 months 8 months 8 months 4 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification 26 months 20 months 23 months 31 months
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 8 months   8 months 4 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification 27 months   44 months 17 months
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 8 months   8 months 24 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification       24 months
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period   6 months   6 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification 6 months 9 months 5 months 6 months
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period     7 months  
Financing Receivable, Modified, Weighted Average Term Increase from Modification     14 months  
v3.25.2
Loans Receivable and Allowance for Credit Losses (Modifications, Performance) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Jun. 30, 2024
Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months $ 2,883 $ 2,284
Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 2,690 2,079
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 193 205
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 1,803 2,052
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 1,610 1,847
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 193 205
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 182
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 182
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 50
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 50
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 994 0
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 994 0
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 86 0
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 86 0
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
Consumer Segment [Member] | Other [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
Consumer Segment [Member] | Other [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months 0 0
Consumer Segment [Member] | Other [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Amortized Cost, Modified, after 12 Months $ 0 $ 0
v3.25.2
Loans Receivable and Allowance for Credit Losses (Modifications, Subsequent Default) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     $ 1,353  
Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     167  
Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default $ 193   193  
Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   $ 188 993 $ 205
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     423  
One- to Four-Family Segment [Member] | Originated [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     82  
One- to Four-Family Segment [Member] | Originated [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 193   193  
One- to Four-Family Segment [Member] | Originated [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   188 148 205
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     426  
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0   0  
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   0 426 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0   0  
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   0 0 0
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     192  
Commercial Segment [Member] | Commercial Real Estate [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
Commercial Segment [Member] | Commercial Real Estate [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0   0  
Commercial Segment [Member] | Commercial Real Estate [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   0 192 0
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     227  
Commercial Segment [Member] | Commercial and Industrial [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
Commercial Segment [Member] | Commercial and Industrial [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0   0  
Commercial Segment [Member] | Commercial and Industrial [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   0 227 0
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     85  
Consumer Segment [Member] | Home Equity [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     85  
Consumer Segment [Member] | Home Equity [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0   0  
Consumer Segment [Member] | Home Equity [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   0 0 0
Consumer Segment [Member] | Other [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
Consumer Segment [Member] | Other [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default     0  
Consumer Segment [Member] | Other [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default $ 0   0  
Consumer Segment [Member] | Other [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default   $ 0 $ 0 $ 0
v3.25.2
Loans Receivable And Allowance For Credit Losses (Allowance For Credit Losses) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance $ 23,970 $ 24,634 $ 23,035 $ 23,759
Charge-offs (29) (76) (169) (101)
Recoveries 4 19 37 43
Provision for credit losses (1,137) 1,277 (95) 2,133
Ending Balance 22,808 25,854 22,808 25,854
Accounting Standards Update 2022-02 Cumulative Effect, Period of Adoption [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       20
Balance at October 1, 2023 [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       23,779
One- to Four-Family Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 3,562 5,060 3,673 5,328
Charge-offs 0 0 (113) 0
Recoveries 2 17 7 25
Provision for credit losses (32) (271) (35) (565)
Ending Balance 3,532 4,806 3,532 4,806
One- to Four-Family Segment [Member] | Accounting Standards Update 2022-02 Cumulative Effect, Period of Adoption [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       18
One- to Four-Family Segment [Member] | Balance at October 1, 2023 [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       5,346
Commercial Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Charge-offs     0 (60)
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 19,005 18,311 17,968 17,076
Charge-offs 0 (50) 0 (60)
Recoveries 0 0 20 0
Provision for credit losses (2,407) 1,401 (1,390) 2,646
Ending Balance 16,598 19,662 16,598 19,662
Commercial Segment [Member] | Commercial Real Estate [Member] | Accounting Standards Update 2022-02 Cumulative Effect, Period of Adoption [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       0
Commercial Segment [Member] | Commercial Real Estate [Member] | Balance at October 1, 2023 [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       17,076
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 1,171 1,019 1,186 1,104
Charge-offs 0 0 0 0
Recoveries 1 2 3 3
Provision for credit losses 1,269 113 1,252 25
Ending Balance 2,441 1,134 2,441 1,134
Commercial Segment [Member] | Commercial and Industrial [Member] | Accounting Standards Update 2022-02 Cumulative Effect, Period of Adoption [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       2
Commercial Segment [Member] | Commercial and Industrial [Member] | Balance at October 1, 2023 [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       1,106
Consumer Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 232 244 208 251
Charge-offs (29) (26) (56) (41)
Recoveries 1 0 7 15
Provision for credit losses 33 34 78 27
Ending Balance $ 237 $ 252 $ 237 252
Consumer Segment [Member] | Accounting Standards Update 2022-02 Cumulative Effect, Period of Adoption [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       0
Consumer Segment [Member] | Balance at October 1, 2023 [Member] | Accounting Standards Update 2022-02 [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       $ 251
v3.25.2
Loans Receivable And Allowance For Credit Losses (Reserve for Off-Balance Sheet Credit Exposures) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance $ 5,638 $ 3,679 $ 6,003 $ 4,095
Provision for credit losses 686 195 321 (237)
Ending Balance $ 6,324 $ 3,874 $ 6,324 3,874
Accounting Standards Update 2022-02 [Member] | Accounting Standards Update 2022-02 Cumulative Effect, Period of Adoption [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance       $ 16
v3.25.2
Borrowed Funds (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Sep. 30, 2024
Interest rate swaps, notional amount $ 200,000   $ 200,000   $ 200,000
FHLB Advances, Variable Rate 200,000   $ 200,000   $ 200,000
Interest rate swaps, remaining term to maturity     1 year 6 months   2 years 3 months 18 days
Interest rate swaps, fair value $ 1,500   $ 1,500   $ 2,100
Derivative Asset, balance sheet location Other assets   Other assets    
Interest rate swaps, amount reclassified from AOCI $ (557) $ (1,561) $ (1,809) $ (5,179)  
Interest rate swaps, future amount to be reclassified from AOCI     (1,100)    
Interest rate swaps, collateral held (1,700)   (1,700)   $ (2,100)
Prepaid FHLB Advances [Member]          
FHLB Advances, Amount $ 200,000   $ 200,000    
FHLB Advances, Interest Rate 4.70%   4.70%    
FHLB Advances, Term 7 months 6 days        
FHLB Advances, Prepayment Penalties $ 547        
Replacement FHLB Advances [Member]          
FHLB Advances, Amount $ 200,000   $ 200,000    
FHLB Advances, Interest Rate 3.83%   3.83%    
FHLB Advances, Term 2 years 6 months        
FHLB Advances, Effective Rate 3.93%   3.93%    
v3.25.2
Income Taxes (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2025
Sep. 30, 2024
Income Tax Disclosure [Abstract]      
Net operating loss carryforward $ 19,900 $ 19,900 $ 30,500
Operating loss carryforwards 82,000 $ 82,000  
Operating loss carryforwards, expiration   will carry forward indefinitely  
Low income housing tax credit carryforward 19,600 $ 19,600 12,800
Tax credit carryforward, expiration   Federal tax credits carry forward for 20 years.  
Valuation allowance 33 $ 33 $ 27
Income tax adjustment due to state tax law change $ 857    
v3.25.2
Fair Value Of Financial Instruments (Narrative) (Details)
$ in Thousands
Jun. 30, 2025
USD ($)
Sep. 30, 2024
USD ($)
Jun. 30, 2024
USD ($)
Significant Unobservable Inputs (Level 3) [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans individually evaluated for loss $ 89,600   $ 1,600
Significant Unobservable Inputs (Level 3) [Member] | One- to Four-Family Segment [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
OREO 92   0
Significant Unobservable Inputs (Level 3) [Member] | Commercial Segment [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
OREO 0   0
Fair Value, Recurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure 957,692 $ 858,369  
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure 0 $ 0  
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans individually evaluated for loss 89,600   1,600
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | One- to Four-Family Segment [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
OREO 92   0
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Commercial Segment [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
OREO $ 0   $ 0
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Estimated Selling Costs [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans receivable, measurement input 0.10    
OREO, measurement input 0.10    
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Lack of Marketability [Member] | Minimum [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans receivable, measurement input 0.10   0.05
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Lack of Marketability [Member] | Maximum [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans receivable, measurement input 0.99   1
Fair Value, Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Lack of Marketability [Member] | Weighted Average [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans receivable, measurement input 0.22   0.33
v3.25.2
Fair Value Of Financial Instruments (Schedule Of Fair Value Assets Measured On A Recurring Basis) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities $ 956,229 $ 856,266
MBS [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 897,575 783,573
GSE Debentures [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 54,955 69,305
Corporate Bonds [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 3,699 3,388
Fair Value, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 956,229 856,266
Interest rate swaps 1,463 2,103
Assets 957,692 858,369
Fair Value, Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Interest rate swaps 0 0
Assets 0 0
Fair Value, Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 956,229 856,266
Interest rate swaps 1,463 2,103
Assets 957,692 858,369
Fair Value, Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Interest rate swaps 0 0
Assets 0 0
Fair Value, Recurring [Member] | MBS [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 897,575 783,573
Fair Value, Recurring [Member] | MBS [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Fair Value, Recurring [Member] | MBS [Member] | Significant Other Observable Inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 897,575 783,573
Fair Value, Recurring [Member] | MBS [Member] | Significant Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Fair Value, Recurring [Member] | GSE Debentures [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 54,955 69,305
Fair Value, Recurring [Member] | GSE Debentures [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Fair Value, Recurring [Member] | GSE Debentures [Member] | Significant Other Observable Inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 54,955 69,305
Fair Value, Recurring [Member] | GSE Debentures [Member] | Significant Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Fair Value, Recurring [Member] | Corporate Bonds [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 3,699 3,388
Fair Value, Recurring [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 0 0
Fair Value, Recurring [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities 3,699 3,388
Fair Value, Recurring [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS Securities $ 0 $ 0
v3.25.2
Fair Value Of Financial Instruments (Schedule Of Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($)
$ in Thousands
Jun. 30, 2025
Sep. 30, 2024
Jun. 30, 2024
Assets:      
AFS Securities $ 956,229 $ 856,266  
Significant Unobservable Inputs (Level 3) [Member]      
Assets:      
Loans receivable 89,600   $ 1,600
Carrying Amount [Member]      
Assets:      
Cash and cash equivalents 174,965 217,307  
AFS Securities 956,229 856,266  
Loans receivable 8,023,554 7,907,338  
FHLB stock 98,225 101,175  
Interest rate swaps 1,463 2,103  
Liabilities:      
Deposits 6,431,137 6,129,982  
Borrowings 2,071,585 2,179,564  
Estimated Fair Value [Member]      
Assets:      
Cash and cash equivalents 174,965 217,307  
AFS Securities 956,229 856,266  
Loans receivable 7,739,102 7,660,535  
FHLB stock 98,225 101,175  
Interest rate swaps 1,463 2,103  
Liabilities:      
Deposits 6,431,235 6,135,652  
Borrowings 2,066,711 2,169,403  
Estimated Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]      
Assets:      
Cash and cash equivalents 174,965 217,307  
AFS Securities 0 0  
Loans receivable 0 0  
FHLB stock 98,225 101,175  
Interest rate swaps 0 0  
Liabilities:      
Deposits 3,509,556 3,164,672  
Borrowings 0 0  
Estimated Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]      
Assets:      
Cash and cash equivalents 0 0  
AFS Securities 956,229 856,266  
Loans receivable 0 0  
FHLB stock 0 0  
Interest rate swaps 1,463 2,103  
Liabilities:      
Deposits 2,921,679 2,970,980  
Borrowings 2,066,711 2,169,403  
Estimated Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Assets:      
Cash and cash equivalents 0 0  
AFS Securities 0 0  
Loans receivable 7,739,102 7,660,535  
FHLB stock 0 0  
Interest rate swaps 0 0  
Liabilities:      
Deposits 0 0  
Borrowings $ 0 $ 0  
v3.25.2
Accumulated Other Comprehensive Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2025
Mar. 31, 2025
Dec. 31, 2024
Jun. 30, 2024
Mar. 31, 2024
Dec. 31, 2023
Jun. 30, 2025
Jun. 30, 2024
Accumulated Other Comprehensive Income (Loss) [Line Items]                
Other comprehensive income (loss), before reclassifications - AFS Securities $ 2,303     $ (2,412)     $ (2,689) $ 8,698
Other comprehensive income (loss), before reclassifications - Cash Flow Hedges (345)     829     1,324 352
Amount reclassified from AOCI, deferred income taxes 177     502     576 1,670
Amount reclassified from AOCI - AFS Securities 0     0     0 0
Amount reclassified from AOCI - Cash Flow Hedges (557)     (1,561)     (1,809) (5,179)
Amount reclassified from AOCI for sale of AFS securities, tax 0     0     0 (383)
Amount reclassified from AOCI for sale of AFS securities 0     0     0 (1,188)
Other comprehensive income (loss) - AFS Securities 2,303     (2,412)     (2,689) 7,510
Other comprehensive income (loss) - Cash Flow Hedges (902)     (732)     (485) (4,827)
Other comprehensive income (loss) 1,401 $ 5,490 $ (10,065) (3,144) $ (4,628) $ 10,455    
Unrealized Gains (Losses) on AFS Securities [Member]                
Accumulated Other Comprehensive Income (Loss) [Line Items]                
Beginning balance 15,040   20,032 8,780   (1,142) 20,032 (1,142)
Ending balance 17,343 15,040   6,368 8,780   17,343 6,368
Unrealized Gains (Losses) on Cash Flow Hedges [Member]                
Accumulated Other Comprehensive Income (Loss) [Line Items]                
Beginning balance 2,012   1,595 5,747   9,842 1,595 9,842
Ending balance 1,110 2,012   5,015 5,747   1,110 5,015
AOCI [Member]                
Accumulated Other Comprehensive Income (Loss) [Line Items]                
Beginning balance 17,052   21,627 14,527   8,700 21,627 8,700
Other comprehensive income (loss), before reclassifications 1,958     (1,583)     (1,365) 9,050
Amount reclassified from AOCI - Cash Flow Hedges (557)     (1,561)     (1,809) 5,179
Amount reclassified from AOCI for sale of AFS securities               (1,188)
Other comprehensive income (loss) 1,401 5,490 $ (10,065) (3,144) (4,628) $ 10,455 (3,174) 2,683
Ending balance $ 18,453 $ 17,052   $ 11,383 $ 14,527   $ 18,453 $ 11,383