CAPITOL FEDERAL FINANCIAL, INC., 10-Q filed on 5/8/2026
Quarterly Report
v3.26.1
Document And Entity Information - shares
 6 Months Ended
Mar. 31, 2026
May 01, 2026
Cover [Abstract]    
Document Type 10-Q  
Quarterly Report indicator true  
Period End Date Mar. 31, 2026  
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 $0.01 per share  
Trading symbol CFFN  
Name of exchange on which securities are registered NASDAQ  
Entity current reporting status indicator Yes  
Interactive data current reporting status indicator Yes  
Filer category Large Accelerated Filer  
Smaller Reporting Company indicator false  
Emerging Growth Company indicator false  
Shell company indicator false  
Entity Common Stock, Shares Outstanding   126,769,827
Entity Central Index Key 0001490906  
Current Fiscal Year End Date --09-30  
Document Fiscal Year Focus 2026  
Document Fiscal Period Focus Q2  
Amendment Flag false  
v3.26.1
Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
ASSETS:    
Cash and cash equivalents (includes interest-earning deposits of $314,655, $210,223 and $229,566) $ 330,925 $ 252,443
AFS securities, at estimated fair value (amortized cost of $795,659, $809,099 and $847,369) 809,566 867,216
Loans receivable, net (ACL of $26,599, $24,572 and $24,039) 8,114,205 8,111,961
Federal Home Loan Bank Topeka ("FHLB") stock, at cost 79,420 90,662
Premises and equipment, net 88,413 89,314
Income taxes receivable, net 927 220
Deferred federal income tax assets, net 22,789 23,826
Other assets 382,835 343,059
TOTAL ASSETS 9,829,080 9,778,701
LIABILITIES:    
Deposits 6,924,491 6,591,448
Borrowings 1,707,055 1,950,770
Advances by borrowers 57,528 65,416
Deferred state income tax liabilities, net 2,591 2,056
Other liabilities 111,689 121,334
Total liabilities 8,803,354 8,731,024
STOCKHOLDERS' EQUITY:    
Preferred stock, $0.01 par value; 100,000,000 shares authorized, no shares issued or outstanding 0 0
Common stock, $0.01 par value; 1,400,000,000 shares authorized, 127,688,691, 129,836,672 and 132,204,305 shares issued and outstanding as of March 31, 2026, December 31, 2025, and September 30, 2025, respectively 1,277 1,322
Additional paid-in capital 1,110,648 1,142,711
Unearned compensation, Employee Stock Ownership Plan ("ESOP") (23,954) (24,780)
Accumulated deficit (73,805) (87,331)
Accumulated other comprehensive income ("AOCI"), net of tax 11,560 15,755
Total stockholders' equity 1,025,726 1,047,677
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY $ 9,829,080 $ 9,778,701
v3.26.1
Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Statement of Financial Position [Abstract]    
Interest-earning deposits $ 314,655 $ 229,566
Available-for-sale securities, Amortized Cost 795,659 847,369
Loans receivable, allowance for credit losses $ 26,599 $ 24,039
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 127,688,691 132,204,305
Common stock, shares outstanding 127,688,691 132,204,305
v3.26.1
Consolidated Statements Of Income - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
INTEREST AND DIVIDEND INCOME:        
Loans receivable $ 89,323 $ 80,867 $ 179,115 $ 162,261
Mortgage-backed securities ("MBS") 10,853 11,264 22,194 22,288
Cash and cash equivalents 2,474 2,729 5,247 4,600
FHLB stock 1,858 2,285 3,890 4,637
Investment securities 52 1,030 103 2,011
Total interest and dividend income 104,560 98,175 210,549 195,797
INTEREST EXPENSE:        
Deposits 36,299 35,853 73,799 73,198
Borrowings 15,995 18,482 33,167 36,529
Total interest expense 52,294 54,335 106,966 109,727
NET INTEREST INCOME 52,266 43,840 103,583 86,070
PROVISION FOR CREDIT LOSSES 2,372 0 3,478 677
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 49,894 43,840 100,105 85,393
NON-INTEREST INCOME:        
Income from bank-owned life insurance ("BOLI") 1,151 747 2,116 1,295
Other non-interest income 1,106 683 1,959 1,345
Total non-interest income 5,459 4,953 10,938 9,646
NON-INTEREST EXPENSE:        
Salaries and employee benefits 15,828 14,938 31,575 29,170
Information technology and related expense 5,425 4,924 10,559 9,474
Occupancy, net 3,265 3,502 6,715 6,835
Professional and other services 1,579 1,469 3,368 2,582
Federal insurance premium 1,110 1,095 2,221 2,133
Advertising and promotional 645 760 1,701 1,582
Deposit and loan transaction costs 768 879 1,484 1,470
Office supplies and related expense 511 437 992 836
Other non-interest expense 1,143 1,536 2,135 2,606
Total non-interest expense 30,274 29,540 60,750 56,688
INCOME BEFORE INCOME TAX EXPENSE 25,079 19,253 50,293 38,351
INCOME TAX EXPENSE 4,931 3,854 9,841 7,521
NET INCOME $ 20,148 $ 15,399 $ 40,452 $ 30,830
Basic earnings per share ("EPS") $ 0.16 $ 0.12 $ 0.32 $ 0.24
Diluted EPS $ 0.16 $ 0.12 $ 0.32 $ 0.24
Basic weighted average common shares 126,631,125 130,025,900 127,804,904 129,999,144
Diluted weighted average common shares 126,631,125 130,025,900 127,804,904 129,999,144
Deposit service fees [Member]        
NON-INTEREST INCOME:        
Revenue from contracts with customers $ 2,690 $ 2,596 $ 5,562 $ 5,303
Insurance commissions [Member]        
NON-INTEREST INCOME:        
Revenue from contracts with customers $ 512 $ 927 $ 1,301 $ 1,703
v3.26.1
Consolidated Statements Of Comprehensive Income - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Statement of Comprehensive Income [Abstract]        
Net income $ 20,148 $ 15,399 $ 40,452 $ 30,830
Unrealized gains (losses on AFS securities arising during the period, net of taxes of $1,619, $(2,151), $1,435 and $1,590 (5,079) 6,750 (4,505) (4,992)
Unrealized gains (losses) on cash flow hedges arising during the period, net of taxes of $(182), $225, $(208) and $(531) 569 (706) 652 1,669
Reclassification adjustment for cash flow hedge amounts included in net income, net of taxes of $44, $177, $109 and $399 136 554 342 1,252
Total other comprehensive (loss) income, net of tax 4,646 (5,490) 4,195 4,575
Comprehensive income $ 15,502 $ 20,889 $ 36,257 $ 26,255
v3.26.1
Consolidated Statements Of Comprehensive Income (Parenthetical) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Statement of Comprehensive Income [Abstract]        
Changes in unrealized gains/losses on AFS securities, tax $ (1,619) $ 2,151 $ (1,435) $ (1,590)
Changes in unrealized gains/losses on cash flow hedges, tax 182 (225) 208 531
Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), Reclassification, Tax $ (44) $ (177) $ (109) $ (399)
v3.26.1
Consolidated Statements Of Stockholders' Equity - USD ($)
$ in Thousands
Total
Common Stock [Member]
Additional Paid-In Capital [Member]
Unearned Compensation ESOP [Member]
Accumulated Deficit [Member]
AOCI [Member]
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 30,830          
Other comprehensive (loss) income, net of tax (4,575)         (4,575)
Balance at Mar. 31, 2025 1,037,110 1,328 1,146,733 (25,606) (102,397) 17,052
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
Balance at Sep. 30, 2025 1,047,677 1,322 1,142,711 (24,780) (87,331) 15,755
Net income 20,304       20,304  
Other comprehensive (loss) income, net of tax 451         451
ESOP activity 268   (145) 413    
Stock-based compensation 99   99      
Repurchase of common stock and excise taxes (16,462) (24) (16,438)      
Cash dividends to stockholders (11,017)       (11,017)  
Balance at Dec. 31, 2025 1,041,320 1,298 1,126,227 (24,367) (78,044) 16,206
Balance at Sep. 30, 2025 1,047,677 1,322 1,142,711 (24,780) (87,331) 15,755
Net income 40,452          
Other comprehensive (loss) income, net of tax (4,195)         (4,195)
Balance at Mar. 31, 2026 1,025,726 1,277 1,110,648 (23,954) (73,805) 11,560
Balance at Dec. 31, 2025 1,041,320 1,298 1,126,227 (24,367) (78,044) 16,206
Net income 20,148       20,148  
Other comprehensive (loss) income, net of tax (4,646)         (4,646)
ESOP activity 295   (118) 413    
Stock-based compensation 94   94      
Repurchase of common stock and excise taxes (15,576) (21) (15,555)      
Cash dividends to stockholders (15,909)       (15,909)  
Balance at Mar. 31, 2026 $ 1,025,726 $ 1,277 $ 1,110,648 $ (23,954) $ (73,805) $ 11,560
v3.26.1
Consolidated Statements Of Stockholders' Equity (Parenthetical) - $ / shares
 3 Months Ended
Mar. 31, 2026
Dec. 31, 2025
Mar. 31, 2025
Dec. 31, 2024
Statement of Stockholders' Equity [Abstract]        
Cash dividends to stockholders $ 0.125 $ 0.085 $ 0.085 $ 0.085
v3.26.1
Consolidated Statements Of Cash Flows - USD ($)
$ in Thousands
 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 40,452 $ 30,830
Adjustments to reconcile net income to net cash provided by operating activities:    
FHLB stock dividends (3,890) (4,637)
Provision for credit losses 3,478 677
Originations of loans receivable held-for-sale ("LHFS") 0 407
Proceeds from sales of LHFS 0 334
Amortization and accretion of premiums and discounts on securities (1,699) (1,662)
Depreciation and amortization of premises and equipment 3,507 3,662
Amortization of intangible assets 127 274
Amortization of deferred amounts related to FHLB advances, net 651 725
Common stock committed to be released for allocation - ESOP 563 504
Stock-based compensation 193 204
Amortization of net deferred loan fees and premiums (1,863) (116)
Changes in:    
Unrestricted cash collateral from derivative counterparties, net 700 870
Other assets, net 5,166 2,964
Income taxes receivable, net (710) (1,040)
Deferred income tax assets, net (2,912) (1,572)
Other liabilities (10,698) (13,641)
Net cash provided by operating activities 38,889 21,113
CASH FLOWS FROM INVESTING ACTIVITIES:    
Purchase of AFS securities (22,889) (209,458)
Proceeds from calls, maturities and principal reductions of AFS securities 76,298 99,387
Proceeds from the redemption of FHLB stock 15,132 6,478
Net change in loans receivable (3,297) 30,507
Purchase of BOLI 45,000 0
Proceeds from BOLI death benefit 0 667
Purchase of premises and equipment (2,910) (1,908)
Proceeds from sale of premises and equipment 0 43
Proceeds from sale of other real estate owned ("OREO") 278 110
Net cash provided by (used in) investing activities 17,612 (74,174)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net change in deposits 333,043 242,563
Proceeds from borrowings 425,100 350,100
Repayments on borrowings (667,477) (387,456)
Payment of FHLB prepayment penalties (2,147) 0
Cash dividends paid (26,926) (22,123)
Repurchase of common stock and excise tax payments (31,724) 0
Change in advances by borrowers (7,888) (6,941)
Net cash provided by financing activities 21,981 176,143
NET INCREASE IN CASH AND CASH EQUIVALENTS (78,482) (123,082)
CASH AND CASH EQUIVALENTS:    
Beginning of year 252,443 217,307
End of year $ 330,925 $ 340,389
v3.26.1
Summary Of Significant Accounting Policies
 6 Months Ended
Mar. 31, 2026
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, 2025, 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 Accounting Standards Update ("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 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. This ASU is not expected to have a material impact on the Company's consolidated financial statements and 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 reporting date 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.

In September 2025, the FASB issued ASU 2025-06, Intangibles - Goodwill and Other - Internal-use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. This ASU updates Subtopic 350-40 by modernizing the accounting for internal-use software costs, including clarifying when entities should begin capitalizing eligible costs related to developing or obtaining software for internal use, implementing a cloud computing arrangement as a customer, and developing websites. The ASU is effective for fiscal years beginning after December 15, 2027, which is the fiscal year ending September 30, 2029 for the Company, and interim periods within fiscal years beginning after December 15, 2027, which is the quarter ending December 31, 2028 for the Company. Early adoption is permitted for any interim or annual period for which financial statements have not yet been issued or made available for issuance as of the beginning of the entity's fiscal year. The Company is currently evaluating the effect this ASU will have on the Company's consolidated financial statements and disclosures, but it is not expected to have a material impact.

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements. This ASU does not change the overall purpose of interim reporting or alter the scope of existing disclosure requirements; rather, the ASU is intended to provide more clarity and make interim disclosure requirements under Topic 270 easier to navigate. The ASU also requires entities to disclose events occurring after the end of the most recent annual reporting period that have a material impact on the entity. The ASU is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027, which is the quarter ended December 31, 2028 for the Company. The Company is currently evaluating the impact this ASU will have on the Company's interim consolidated financial statements and disclosures.

In December 2025, the FASB issued ASU 2025-12, Codification Improvements. This ASU is intended to enhance the Codification by refining guidance and simplifying its application through technical corrections, helping to enhance consistency and make the standards easier for preparers and users to interpret. The ASU is effective for fiscal years beginning after December 15, 2026, which is the fiscal year ending September 30, 2028 for the Company, and the interim periods within fiscal years beginning after December 15, 2026, which is the quarter ended December 31, 2027 for the Company. The Company is currently evaluating the impact this ASU will have on the Company's consolidated financial statements and disclosures.
v3.26.1
Earnings Per Share
 6 Months Ended
Mar. 31, 2026
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 Six Months Ended
March 31, March 31,
2026 2025 2026 2025
 (Dollars in thousands, except per share amounts)
Net income$20,148 $15,399 $40,452 $30,830 
Income allocated to participating securities(24)(18)(49)(36)
Net income available to common stockholders$20,124 $15,381 $40,403 $30,794 
Total basic average common shares outstanding126,631,125 130,025,900 127,804,904 129,999,144 
Effect of dilutive stock options — — — — 
Total diluted average common shares outstanding126,631,125 130,025,900 127,804,904 129,999,144 
Net EPS:
Basic$0.16 $0.12 $0.32 $0.24 
Diluted$0.16 $0.12 $0.32 $0.24 
Antidilutive stock options, excluded from the diluted
average common shares outstanding calculation 182,810 267,439 201,857 290,390 
v3.26.1
Securities
 6 Months Ended
Mar. 31, 2026
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 Company did not hold any tax-exempt securities during the six months ended March 31, 2026 or 2025.
March 31, 2026
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
 (Dollars in thousands)
MBS$791,659 $14,642 $550 $805,751 
Corporate bonds4,000 — 185 3,815 
$795,659 $14,642 $735 $809,566 

September 30, 2025
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
(Dollars in thousands)
MBS$843,369 $20,303 $172 $863,500 
Corporate bonds4,000 — 284 3,716 
$847,369 $20,303 $456 $867,216 

At March 31, 2026, AFS securities included $734.8 million of residential MBS and $70.9 million of commercial MBS. At September 30, 2025 AFS securities included $793.8 million of residential MBS and $69.7 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.
March 31, 2026
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
 (Dollars in thousands)
MBS$54,007 $480 $5,199 $70 
Corporate bonds— — 3,815 185 
$54,007 $480 $9,014 $255 

September 30, 2025
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
 (Dollars in thousands)
MBS$13,946 $55 $26,144 $117 
Corporate bonds— — 3,716 284 
$13,946 $55 $29,860 $401 
The unrealized losses at March 31, 2026 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 March 31, 2026 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 March 31, 2026, 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 categories in the table below.
AmortizedEstimated
CostFair Value
(Dollars in thousands)
Five years through ten years$4,000 $3,815 
4,000 3,815 
MBS791,659 805,751 
$795,659 $809,566 

The following table summarizes the carrying value of securities pledged as collateral for the obligations indicated below as of the dates presented.
March 31, 2026September 30, 2025
(Dollars in thousands)
Federal Reserve Bank of Kansas City ("FRB of Kansas City") borrowings$103,752 $91,130 
Public unit deposits99,018 150,916 
$202,770 $242,046 
v3.26.1
Loans Receivable And Allowance For Credit Losses
 6 Months Ended
Mar. 31, 2026
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 March 31, 2026 and September 30, 2025 are summarized as follows:
March 31, 2026 September 30, 2025
(Dollars in thousands)
One- to four-family:
Originated$3,676,252 $3,774,134 
Correspondent purchased1,905,759 2,000,216 
Bulk purchased109,675 114,231 
Construction16,123 16,054 
Total5,707,809 5,904,635 
Commercial:
Commercial real estate1,896,313 1,709,990 
Commercial and industrial 232,182 210,119 
Commercial construction189,251 195,886 
Total2,317,746 2,115,995 
Consumer:
Home equity106,414 104,809 
Other7,327 8,436 
Total113,741 113,245 
Total loans receivable8,139,296 8,133,875 
Less:
ACL26,599 24,039 
Deferred loan fees/discounts30,087 31,268 
Premiums/deferred costs(31,595)(33,393)
$8,114,205 $8,111,961 

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 historically purchased one- to four-family loans from correspondent lenders, but during fiscal year 2024, 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 were 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, the loan-to-value ratio ("LTV") on commercial real estate loans generally does 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, 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, LTVs generally do not exceed 80% of the projected appraised value of the property securing the loans and the minimum DSCR is generally 1.15x, based upon projected cash flows and the contractual loan payments when the project stabilizes. 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, 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 located in Kansas 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 type, geographic location, tenant brand name, borrowing relationship, and, in the case of participation loans, lending relationship, among other factors. Commercial borrowers with total loans of $2.5 million or more are reviewed at least 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 collateral 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 ongoing 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 of the loan, net of undisbursed 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 March 31, 2026 and September 30, 2025, 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 that were modified during the current fiscal year. During the current quarter, an updated appraisal was received related to the collateral securing this lending relationship and as a result, a specific valuation allowance was recorded as of March 31, 2026. The loans associated with this lending relationship were on nonaccrual at both March 31, 2026 and September 30, 2025. The loans are recourse loans and have personal guarantees.
March 31, 2026
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2025202420232022YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$118,393 $227,023 $210,407 $278,931 $508,747 $2,312,503 $— $— $3,656,004 
Special Mention— 480 763 1,501 1,213 4,555 — — 8,512 
Substandard— — — 361 299 14,159 — — 14,819 
Correspondent purchased
Pass— — 500 282,798 422,286 1,212,420 — — 1,918,004 
Special Mention— — — 1,668 — 722 — — 2,390 
Substandard— — — 711 840 5,569 — — 7,120 
Bulk purchased
Pass— — — — — 106,343 — — 106,343 
Special Mention— — — — — 1,596 — — 1,596 
Substandard— — — — — 2,084 — — 2,084 
118,393 227,503 211,670 565,970 933,385 3,659,951 — — 5,716,872 
Commercial:
Commercial real estate
Pass439,207 624,768 248,004 280,838 200,794 205,043 11,144 — 2,009,798 
Special Mention— 6,847 — — 15,090 — 415 — 22,352 
Substandard40,386 — 297 2,631 160 2,101 198 — 45,773 
Commercial and industrial
Pass38,932 88,088 23,359 23,840 12,409 6,497 36,930 — 230,055 
Special Mention114 — — — 30 — 220 — 364 
Substandard70 242 131 23 79 — 869 — 1,414 
518,709 719,945 271,791 307,332 228,562 213,641 49,776 — 2,309,756 
Consumer:
Home equity
Pass2,347 4,961 4,891 3,196 3,233 2,921 77,486 7,490 106,525 
Special Mention— — — 13 — — 64 79 156 
Substandard— 98 — — — 4 32 34 168 
Other
Pass1,538 2,311 1,359 958 641 107 358 — 7,272 
Special Mention— — 10 — — — — — 10 
Substandard3 2 12 — 27 1 — — 45 
3,888 7,372 6,272 4,167 3,901 3,033 77,940 7,603 114,176 
Total$640,990 $954,820 $489,733 $877,469 $1,165,848 $3,876,625 $127,716 $7,603 $8,140,804 
September 30, 2025
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20252024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$233,573 $232,879 $296,339 $529,728 $739,138 $1,722,587 $— $— $3,754,244 
Special Mention— — 1,409 1,099 1,672 4,614 — — 8,794 
Substandard— — 363 568 469 12,005 — — 13,405 
Correspondent purchased
Pass— 510 301,792 439,538 524,927 748,902 — — 2,015,669 
Special Mention— — 1,441 523 366 367 — — 2,697 
Substandard— — — 615 263 4,153 — — 5,031 
Bulk purchased
Pass— — — — — 110,862 — — 110,862 
Special Mention— — — — — 1,564 — — 1,564 
Substandard— — — — — 2,180 — — 2,180 
233,573 233,389 601,344 972,071 1,266,835 2,607,234 — — 5,914,446 
Commercial:
Commercial real estate
Pass639,555 292,900 396,152 208,604 111,266 134,388 9,775 — 1,792,640 
Special Mention7,587 — 36,266 16,060 — 80 — — 59,993 
Substandard39,962 142 2,681 — 106 2,609 50 — 45,550 
Commercial and industrial
Pass103,700 25,950 26,082 14,387 5,555 1,923 31,287 — 208,884 
Special Mention— — — 44 — — 355 — 399 
Substandard— 292 — 87 25 — 69 — 473 
790,804 319,284 461,181 239,182 116,952 139,000 41,536 — 2,107,939 
Consumer:
Home equity
Pass5,609 5,532 3,513 3,755 1,064 2,166 75,067 7,937 104,643 
Special Mention— — 33 — — — 251 42 326 
Substandard100 — — — — 11 57 42 210 
Other
Pass3,629 1,877 1,354 824 175 49 416 — 8,324 
Special Mention— — — — — — — — — 
Substandard8 26 33 45 — — — — 112 
9,346 7,435 4,933 4,624 1,239 2,226 75,791 8,021 113,615 
Total$1,033,723 $560,108 $1,067,458 $1,215,877 $1,385,026 $2,748,460 $117,327 $8,021 $8,136,000 
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.
March 31, 2026
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2025202420232022YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$118,393 $227,074 $211,170 $280,728 $509,450 $2,321,790 $— $— $3,668,605 
30-89— 429 — — 791 5,388 — — 6,608 
90+/FC— — — 65 18 4,039 — — 4,122 
Correspondent purchased
Current— — 500 284,357 421,760 1,213,593 — — 1,920,210 
30-89— — — 110 526 1,336 — — 1,972 
90+/FC— — — 710 840 3,782 — — 5,332 
Bulk purchased
Current— — — — — 109,263 — — 109,263 
30-89— — — — — 421 — — 421 
90+/FC— — — — — 339 — — 339 
118,393 227,503 211,670 565,970 933,385 3,659,951 — — 5,716,872 
Commercial:
Commercial real estate
Current479,122 631,615 247,955 283,252 215,884 204,326 11,559 — 2,073,713 
30-89471 — 87 — — 1,012 — — 1,570 
90+/FC— — 259 217 160 1,806 198 — 2,640 
Commercial and industrial
Current39,116 87,674 23,359 23,850 12,464 6,497 37,100 — 230,060 
30-89— 656 — 13 54 — 50 — 773 
90+/FC— — 131 — — — 869 — 1,000 
518,709 719,945 271,791 307,332 228,562 213,641 49,776 — 2,309,756 
Consumer:
Home equity
Current2,347 4,974 4,891 3,209 3,218 2,925 77,316 7,368 106,248 
30-89— 85 — — 15 — 247 201 548 
90+/FC— — — — — — 19 34 53 
Other
Current1,538 2,310 1,369 942 662 107 358 — 7,286 
30-89— 1 — 16 6 — — — 23 
90+/FC3 2 12 — — 1 — — 18 
3,888 7,372 6,272 4,167 3,901 3,033 77,940 7,603 114,176 
Total$640,990 $954,820 $489,733 $877,469 $1,165,848 $3,876,625 $127,716 $7,603 $8,140,804 
September 30, 2025
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20252024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$233,573 $232,879 $298,045 $530,487 $740,699 $1,730,689 $— $— $3,766,372 
30-89— — 66 908 473 5,873 — — 7,320 
90+/FC— — — — 107 2,644 — — 2,751 
Correspondent purchased
Current— 510 302,960 440,138 525,556 749,725 — — 2,018,889 
30-89— — 273 161 — 2,664 — — 3,098 
90+/FC— — — 377 — 1,033 — — 1,410 
Bulk purchased
Current— — — — — 114,315 — — 114,315 
30-89— — — — — 156 — — 156 
90+/FC— — — — — 135 — — 135 
233,573 233,389 601,344 972,071 1,266,835 2,607,234 — — 5,914,446 
Commercial:
Commercial real estate
Current687,104 292,556 434,882 223,812 111,227 134,468 9,775 — 1,893,824 
30-89— 344 — 852 40 — — — 1,236 
90+/FC— 142 217 — 105 2,609 50 — 3,123 
Commercial and industrial
Current103,700 26,100 26,082 14,486 5,580 1,923 31,642 — 209,513 
30-89— — — 32 — — — — 32 
90+/FC— 142 — — — — 69 — 211 
790,804 319,284 461,181 239,182 116,952 139,000 41,536 — 2,107,939 
Consumer:
Home equity
Current5,709 5,481 3,546 3,755 1,064 2,171 75,137 7,826 104,689 
30-89— 51 — — — — 198 195 444 
90+/FC— — — — — 6 40 — 46 
Other
Current3,615 1,847 1,353 856 175 49 416 — 8,311 
30-8915 42 20 — — — — — 77 
90+/FC7 14 14 13 — — — — 48 
9,346 7,435 4,933 4,624 1,239 2,226 75,791 8,021 113,615 
Total$1,033,723 $560,108 $1,067,458 $1,215,877 $1,385,026 $2,748,460 $117,327 $8,021 $8,136,000 
Gross Charge-Offs - The following tables present gross charge-offs, for the periods indicated, by class of financing receivable for the year of origination or most recent credit decision.
For the Six Months Ended March 31, 2026
Revolving
Lines
CurrentFiscalFiscalFiscalFiscalRevolvingof Credit
FiscalYearYearYearYearPriorLines ofConverted to
Year2025202420232022YearsCreditTermTotal
(Dollars in thousands)
One- to four-family:
Originated$— $— $12 $— $— $— $— $— $12 
Correspondent purchased— — — — — — — — — 
Bulk purchased— — — — — — — — — 
— — 12 — — — — — 12 
Commercial:
Commercial real estate— — — — — — — — — 
Commercial and industrial— — 77 — — 25 — — 102 
— — 77 — — 25 — — 102 
Consumer:
Home equity16 6 — — — 3 3 — 28 
Other— — — 15 7 — — — 22 
16 6 — 15 7 3 3 — 50 
Total$16 $6 $89 $15 $7 $28 $3 $— $164 

For the Six Months Ended March 31, 2025
Revolving
Lines
FiscalFiscalFiscalFiscalFiscalRevolvingof Credit
YearYearYearYearYearPriorLines ofConverted to
20252024202320222021YearsCreditTermTotal
(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 equity8 12 — — — — — — 20 
Other— 1 4 — — — 2 — 7 
8 13 4 — — — 2 — 27 
Total$8 $13 $4 $— $— $113 $2 $— $140 
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 March 31, 2026 and September 30, 2025, all loans 90 or more days delinquent were on nonaccrual status.
March 31, 2026
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$6,608 $4,122 $10,730 $3,668,605 $3,679,335 
Correspondent purchased1,972 5,332 7,304 1,920,210 1,927,514 
Bulk purchased421 339 760 109,263 110,023 
Commercial:
Commercial real estate1,570 2,640 4,210 2,073,713 2,077,923 
Commercial and industrial 773 1,000 1,773 230,060 231,833 
Consumer:
Home equity548 53 601 106,248 106,849 
Other23 18 41 7,286 7,327 
$11,915 $13,504 $25,419 $8,115,385 $8,140,804 

September 30, 2025
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$7,320 $2,751 $10,071 $3,766,372 $3,776,443 
Correspondent purchased3,098 1,410 4,508 2,018,889 2,023,397 
Bulk purchased156 135 291 114,315 114,606 
Commercial:
Commercial real estate1,236 3,123 4,359 1,893,824 1,898,183 
Commercial and industrial 32 211 243 209,513 209,756 
Consumer:
Home equity444 46 490 104,689 105,179 
Other77 48 125 8,311 8,436 
$12,363 $7,724 $20,087 $8,115,913 $8,136,000 

The amortized cost of mortgage loans secured by residential real estate for which formal foreclosure proceedings were in process as of March 31, 2026 and September 30, 2025 was $1.3 million and $1.0 million, respectively, which is 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 was $135 thousand at March 31, 2026 and $197 thousand at September 30, 2025.
The following table presents the amortized cost at March 31, 2026 and September 30, 2025, 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 majority of the balance of commercial real estate nonaccrual loans at March 31, 2026 and September 30, 2025 related to two loans from the same borrowing relationship. During the current quarter, an updated appraisal was received related to the collateral securing the borrowing relationship and a specific valuation allowance was recorded as of March 31, 2026. See additional discussion related to these loans in the "Credit Quality Indicators - Loan Classification" section above.
March 31, 2026September 30, 2025
Nonaccrual LoansNonaccrual Loans with No ACLNonaccrual LoansNonaccrual Loans with No ACL
(Dollars in thousands)
One- to four-family:
Originated$4,122 $1,693 $2,751 $1,833 
Correspondent purchased5,332 266 1,409 — 
Bulk purchased339 — 135 — 
Commercial:
Commercial real estate43,359 27,528 43,087 43,087 
Commercial and industrial 1,415 640 320 320 
Consumer:
Home equity53 32 46 — 
Other18 — 48 14 
$54,638 $30,159 $47,796 $45,254 

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 six months ended March 31, 2026, the only charge-offs associated with modified loans during the period were $12 thousand for one- to four-family originated loans. During the six months ended March 31, 2025 there were no charge-offs related to loans modified during the period. The Company has not committed to lend additional amounts to borrowers included in these tables. The commercial real estate payment delay modification during the six months ended March 31, 2026 was due primarily to the two loans discussed above, under the "Credit Quality Indicators - Loan Classification" section. These two commercial loans were classified as substandard and nonaccrual at March 31, 2026.
For the Three Months Ended March 31, 2026
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$— $1,969 $450 $2,419 0.1%
Correspondent purchased— 346 367 713 —
Bulk purchased1,596 — — 1,596 1.5
1,596 2,315 817 4,728 0.1
Commercial:
Commercial real estate914 — — 914 —
Commercial and industrial— — 13 13 —
914 — 13 927 —
Consumer loans:
Home equity42 — — 42 —
Other— — — — —
42 — — 42 —
Total$2,552 $2,315 $830 $5,697 0.1
For the Six Months Ended March 31, 2026
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$134 $4,208 $1,066 $5,408 0.1%
Correspondent purchased— 696 367 1,063 0.1
Bulk purchased1,596 — — 1,596 1.5
1,730 4,904 1,433 8,067 0.1
Commercial:
Commercial real estate40,829 — — 40,829 2.0
Commercial and industrial— — 13 13 —
40,829 — 13 40,842 1.8
Consumer loans:
Home equity42 — — 42 —
Other— — — — —
42 — — 42 —
Total$42,601 $4,904 $1,446 $48,951 0.6

For the Three Months Ended March 31, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$236 $1,344 $651 $2,231 0.1%
Correspondent purchased— 513 187 700 —
Bulk purchased— — — — —
236 1,857 838 2,931 —
Commercial:
Commercial real estate8,189 — — 8,189 0.5
Commercial and industrial— 838 — 838 0.6
8,189 838 — 9,027 0.5
Consumer loans:
Home equity— 35 — 35 —
Other— — — — —
— 35 — 35 —
Total$8,425 $2,730 $838 $11,993 0.2
For the Six Months Ended March 31, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$353 $2,255 $816 $3,424 0.1%
Correspondent purchased— 513 187 700 —
Bulk purchased— — — — —
353 2,768 1,003 4,124 0.1
Commercial:
Commercial real estate8,189 — — 8,189 0.5
Commercial and industrial— 838 — 838 0.6
8,189 838 — 9,027 0.5
Consumer loans:
Home equity20 34 — 54 0.1
Other— — — — —
20 34 — 54 0.1
Total$8,562 $3,640 $1,003 $13,205 0.2

Financial effect of loan modifications - The table below presents the financial effect of loan modifications during the periods noted, including the weighted average payment delay and weighted average term extension.
For the Three Months Ended March 31, 2026For the Six Months Ended March 31, 2026
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated9 months24 months8 months40 months
Correspondent purchased8 months18 months8 months19 months
Bulk purchased13 monthsN/A13 monthsN/A
Commercial:
Commercial real estate6 monthsN/A11 monthsN/A
Commercial and industrial60 months60 months60 months60 months
Consumer:
Consumer home equity8 monthsN/A8 monthsN/A
For the Three Months Ended March 31, 2025For the Six Months Ended March 31, 2025
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated8 months20 months8 months18 months
Correspondent purchased9 months34 months9 months34 months
Commercial:
Commercial real estate9 monthsN/A9 monthsN/A
Commercial and industrialN/A3 monthsN/A3 months
Consumer:
Consumer home equityN/A14 months7 months14 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 March 31, 2026 and March 31, 2025, on loans modified during the preceding 12-months for borrowers experiencing financial difficulty that were delinquent as of March 31, 2026 and March 31, 2025, respectively. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of March 31, 2026 and March 31, 2025.
As of March 31, 2026As of March 31, 2025
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$479 $355 $834 $567 $428 $995 
Correspondent purchased— — — — — — 
Bulk purchased— — — — — — 
Commercial:
Commercial real estate766 148 914 — — — 
Commercial and industrial— — — — — — 
Consumer loans:
Home equity— — — — 88 88 
Other— — — — — — 
Total$1,245 $503 $1,748 $567 $516 $1,083 

The following tables present the amortized cost basis of loans that had a payment default during the three and six months ended March 31, 2026 or March 31, 2025 and were modified to borrowers experiencing financial difficulty in the 12-months 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 March 31, 2026
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$— $169 $470 $639 
Correspondent purchased— — — — 
Bulk purchased— — — — 
Commercial:
Commercial real estate148 — — 148 
Commercial and industrial— — — — 
Consumer loans:
Home equity— — — — 
Other— — — — 
Total$148 $169 $470 $787 
For the Six Months Ended March 31, 2026
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$— $462 $624 $1,086 
Correspondent purchased— — — — 
Bulk purchased— — — — 
Commercial:
Commercial real estate148 — — 148 
Commercial and industrial— — — — 
Consumer loans:
Home equity— — — — 
Other— — — — 
Total$148 $462 $624 $1,234 
For the Three Months Ended March 31, 2025
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$84 $193 $151 $428 
Correspondent purchased— — 187 187 
Bulk purchased— — — — 
Commercial:
Commercial real estate— — 192 192 
Commercial and industrial— — 227 227 
Consumer loans:
Home equity88 — — 88 
Other— — — — 
Total$172 $193 $757 $1,122 
For the Six Months Ended March 31, 2025
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$84 $193 $151 $428 
Correspondent purchased— — 428 428 
Bulk purchased— — — — 
Commercial:
Commercial real estate— — 192 192 
Commercial and industrial— — 227 227 
Consumer loans:
Home equity88 — — 88 
Other— — — — 
Total$172 $193 $998 $1,363 
Allowance for Credit Losses - The following table summarizes ACL activity, by loan portfolio segment, for the periods presented.
For the Three Months Ended March 31, 2026
Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotal ConsumerTotal
(Dollars in thousands)
Beginning balance$2,842 $19,696 $1,826 $21,522 $208 $24,572 
Charge-offs(12)— — — (29)(41)
Recoveries1 — — — 3 4 
Provision for credit losses(168)1,993 220 2,213 19 2,064 
Ending balance$2,663 $21,689 $2,046 $23,735 $201 $26,599 
For the Six Months Ended March 31, 2026
 Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotalConsumerTotal
(Dollars in thousands)
Beginning balance$3,046 $18,277 $2,499 $20,776 $217 $24,039 
Charge-offs(12)— (102)(102)(50)(164)
Recoveries1 — 2 2 5 8 
Provision for credit losses(372)3,412 (353)3,059 29 2,716 
Ending balance$2,663 $21,689 $2,046 $23,735 $201 $26,599 
For the Three Months Ended March 31, 2025
Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotalConsumerTotal
(Dollars in thousands)
Beginning balance$3,757 $19,790 $1,209 $20,999 $241 $24,997 
Charge-offs(113)— — — (10)(123)
Recoveries2 — 2 2 5 9 
Provision for credit losses(84)(785)(40)(825)(4)(913)
Ending balance$3,562 $19,005 $1,171 $20,176 $232 $23,970 
For the Six Months Ended March 31, 2025
Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotalConsumerTotal
(Dollars in thousands)
Beginning balance$3,673 $17,968 $1,186 $19,154 $208 $23,035 
Charge-offs(113)— — — (27)(140)
Recoveries5 20 2 22 6 33 
Provision for credit losses(3)1,017 (17)1,000 45 1,042 
Ending balance$3,562 $19,005 $1,171 $20,176 $232 $23,970 


The key assumptions in the Company's ACL model at March 31, 2026 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 March 31, 2026. The key assumptions utilized in estimating the Company's ACL at March 31, 2026 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 March 31, 2026. The forecasted economic indices applied to the model at March 31, 2026 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 March 31, 2026 was the national unemployment
rate. The forecasted national unemployment rate in the economic scenario selected by management at March 31, 2026 had the national unemployment rate gradually increasing to 4.7% by March 31, 2027, 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 March 31, 2026.
•Prepayment and curtailment assumptions - The assumptions used at March 31, 2026 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 March 31, 2026 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 LTVs 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 large dollar relationships. 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, as compared to 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 March 31, 2026, 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 March 31, 2026 and September 30, 2025, the Bank's off-balance sheet credit exposures totaled $896.5 million and $821.6 million, respectively.

The following table summarizes the change in reserve for off-balance sheet credit exposures during the periods indicated. The increase in the reserve for off-balance sheet credit exposures as of March 31, 2026 compared to March 31, 2025 was due primarily to an increase in commercial off-balance sheet credit exposures between periods.
For the Three Months Ended For the Six Months Ended
March 31, 2026March 31, 2025March 31, 2026March 31, 2025
(Dollars in thousands)
Beginning balance$6,000 $4,725 $5,546 $6,003 
Provision for credit losses308 913 762 (365)
Ending balance$6,308 $5,638 $6,308 $5,638 
v3.26.1
Borrowed Funds
 6 Months Ended
Mar. 31, 2026
Debt Disclosure [Abstract]  
Borrowed Funds BORROWED FUNDS
At March 31, 2026 and September 30, 2025, the Bank had an interest rate swap agreement with a notional amount of $100.0 million in order to hedge the variable cash flows associated with $100.0 million of adjustable-rate FHLB advances. At March 31, 2026 and September 30, 2025, the interest rate swap agreement had an average remaining term to maturity of 2.2 years and 2.7 years, respectively. The interest rate swap was designated as a cash flow hedge 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 agreement. At March 31, 2026 and September 30, 2025, the interest rate swap was in a gain position with a fair value of $1.3 million and $926 thousand, respectively, which was reported in other assets on the consolidated balance sheet. During the six months ended March 31, 2026 and 2025, $342 thousand and $1.3 million, respectively, was reclassified from AOCI as a decrease to interest expense. At March 31, 2026, the Company estimated that $693 thousand of interest expense associated with the interest rate swap 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 $1.6 million at March 31, 2026 and $920 thousand at September 30, 2025.
During the six months ended March 31, 2026, the Bank prepaid $425.0 million of fixed-rate advances with a weighted average effective rate of 4.32% and a weighted average life ("WAL") of 0.8 years and replaced them with $425.0 million of fixed-rate advances with a weighted average effective rate of 3.79% and a WAL of 2.3 years. This transaction resulted in prepayment fees of $2.1 million which will be recognized in interest expense over the life of the new FHLB advances.
v3.26.1
Income Taxes
 6 Months Ended
Mar. 31, 2026
Income Tax Disclosure [Abstract]  
Income Taxes INCOME TAXES At March 31, 2026, the Company had a federal and state net operating loss deferred income tax asset of $6.4 million. The gross federal net operating loss amount at March 31, 2026 was $25.3 million and the gross state net operating loss amount at March 31, 2026 was $34.6 million. The gross federal and state net operating losses will carry forward indefinitely. In addition, the Company had a $26.9 million and $22.3 million deferred tax asset as of March 31, 2026 and September 30, 2025, respectively, related to federal tax credits that will not be utilized on the Company's federal tax return due to income tax return income limitations. The majority of the federal tax credits relate to low income housing tax credits. Federal tax credits carry forward for 20 years.
v3.26.1
Fair Value Of Financial Instruments
 6 Months Ended
Mar. 31, 2026
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 Accounting Standards Codification ("ASC") 820 and ASC 825. The Company's AFS securities and interest rate swap 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 six months ended March 31, 2026 or during fiscal year 2025. 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 Government Sponsored Enterprises ("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)
•Corporate 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 Swap - The Company's interest rate swap is designated as a cash flow hedge and is 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 rate swap is obtained from the counterparty and is determined by a discounted cash flow analysis using observable market-based inputs. On a quarterly basis, management corroborates the estimated fair value 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 value obtained from the counterparty during the six months ended March 31, 2026 or during fiscal year 2025. (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. All of the Company's financial instruments measured at fair value on a recurring basis were assets at March 31, 2026 and September 30, 2025. The Company did not have any Level 3 financial instruments measured at fair value on a recurring basis at March 31, 2026 or September 30, 2025.
March 31, 2026
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value (Level 1) (Level 2) (Level 3)
(Dollars in thousands)
AFS Securities:
MBS$805,751 $— $805,751 $— 
Corporate bonds3,815 — 3,815 — 
  809,566 — 809,566 — 
Interest rate swap1,336 — 1,336 — 
$810,902 $— $810,902 $— 

September 30, 2025
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value (Level 1) (Level 2) (Level 3)
(Dollars in thousands)
AFS Securities:
MBS$863,500 $— $863,500 $— 
Corporate bonds3,716 — 3,716 — 
  867,216 — 867,216 — 
Interest rate swap926 — 926 — 
$868,142 $— $868,142 $— 
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. 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.

Loans Receivable – The fair value of collateral dependent loans individually evaluated for loss on a non-recurring basis during the six months ended March 31, 2026 and 2025 that were still held in the portfolio was $50.2 million as of March 31, 2026 and 2025. Fair values of collateral dependent 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 six months ended March 31, 2026 or 2025 were downward adjustments to the collateral value for estimated costs to sell/dispose of the assets and management’s evaluation of market participant expectations if the Bank were to sell the collateral. During the six months ended March 31, 2026, the adjustments ranged from 8% to 100%, with a weighted average of 19%. During the six months ended March 31, 2025, the adjustments ranged from 10% to 99%, with a weighted average of 22%. 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. There was no one- to four-family OREO measured on a non-recurring basis during the six months ended March 31, 2026 and March 31, 2025.

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. 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 six months ended March 31, 2026 and 2025.

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:
March 31, 2026
CarryingEstimated Fair Value
Amount Total Level 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$330,925 $330,925 $330,925 $— $— 
AFS securities809,566 809,566 — 809,566 — 
Loans receivable8,114,205 7,919,862 — — 7,919,862 
FHLB stock79,420 79,420 79,420 — — 
Interest rate swap1,336 1,336 — 1,336 — 
Liabilities:
Deposits6,924,491 6,924,926 3,910,366 3,014,560 — 
Borrowings1,707,055 1,704,829 — 1,704,829 — 
September 30, 2025
CarryingEstimated Fair Value
Amount Total Level 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$252,443 $252,443 $252,443 $— $— 
AFS securities867,216 867,216 — 867,216 — 
Loans receivable8,111,961 7,902,077 — — 7,902,077 
FHLB stock90,662 90,662 90,662 — — 
Interest rate swap926 926 — 926 — 
Liabilities:
Deposits6,591,448 6,597,102 3,578,768 3,018,334 — 
Borrowings1,950,770 1,952,458 — 1,952,458 — 
v3.26.1
Accumulated Other Comprehensive Income
 6 Months Ended
Mar. 31, 2026
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 presented.
For the Three Months Ended March 31, 2026
 Unrealized Unrealized 
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$15,626 $580 $16,206 
Other comprehensive (loss) income, before reclassifications(5,079)569 (4,510)
Amount reclassified from AOCI, net of taxes of $44
— (136)(136)
Other comprehensive income (loss)(5,079)433 (4,646)
Ending balance$10,547 $1,013 $11,560 
 For the Six Months Ended March 31, 2026
 Unrealized Unrealized 
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$15,052 $703 $15,755 
Other comprehensive (loss) income, before reclassifications(4,505)652 (3,853)
Amount reclassified from AOCI, net of taxes of $109
— (342)(342)
Other comprehensive (loss)(4,505)310 (4,195)
Ending balance$10,547 $1,013 $11,560 
For the Three Months Ended March 31, 2025
 Unrealized Unrealized 
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$8,290 $3,272 $11,562 
Other comprehensive income (loss), before reclassifications6,750 (706)6,044 
Amount reclassified from AOCI, net of taxes of $177
— (554)(554)
Other comprehensive income (loss)6,750 (1,260)5,490 
Ending balance$15,040 $2,012 $17,052 
For the Six Months Ended March 31, 2025
 Unrealized Unrealized 
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(4,992)1,669 (3,323)
Amount reclassified from AOCI, net of taxes of $399
— (1,252)(1,252)
Other comprehensive income (loss)(4,992)417 (4,575)
Ending balance$15,040 $2,012 $17,052 
v3.26.1
Summary Of Significant Accounting Policies (Policies)
 6 Months Ended
Mar. 31, 2026
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, 2025, 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 Accounting Standards Update ("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 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. This ASU is not expected to have a material impact on the Company's consolidated financial statements and 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 reporting date 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.

In September 2025, the FASB issued ASU 2025-06, Intangibles - Goodwill and Other - Internal-use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software. This ASU updates Subtopic 350-40 by modernizing the accounting for internal-use software costs, including clarifying when entities should begin capitalizing eligible costs related to developing or obtaining software for internal use, implementing a cloud computing arrangement as a customer, and developing websites. The ASU is effective for fiscal years beginning after December 15, 2027, which is the fiscal year ending September 30, 2029 for the Company, and interim periods within fiscal years beginning after December 15, 2027, which is the quarter ending December 31, 2028 for the Company. Early adoption is permitted for any interim or annual period for which financial statements have not yet been issued or made available for issuance as of the beginning of the entity's fiscal year. The Company is currently evaluating the effect this ASU will have on the Company's consolidated financial statements and disclosures, but it is not expected to have a material impact.

In December 2025, the FASB issued ASU 2025-11, Interim Reporting (Topic 270): Narrow-Scope Improvements. This ASU does not change the overall purpose of interim reporting or alter the scope of existing disclosure requirements; rather, the ASU is intended to provide more clarity and make interim disclosure requirements under Topic 270 easier to navigate. The ASU also requires entities to disclose events occurring after the end of the most recent annual reporting period that have a material impact on the entity. The ASU is effective for interim reporting periods within annual reporting periods beginning after December 15, 2027, which is the quarter ended December 31, 2028 for the Company. The Company is currently evaluating the impact this ASU will have on the Company's interim consolidated financial statements and disclosures.

In December 2025, the FASB issued ASU 2025-12, Codification Improvements. This ASU is intended to enhance the Codification by refining guidance and simplifying its application through technical corrections, helping to enhance consistency and make the standards easier for preparers and users to interpret. The ASU is effective for fiscal years beginning after December 15, 2026, which is the fiscal year ending September 30, 2028 for the Company, and the interim periods within fiscal years beginning after December 15, 2026, which is the quarter ended December 31, 2027 for the Company. The Company is currently evaluating the impact this ASU will have on the Company's consolidated financial statements and disclosures.
v3.26.1
Earnings Per Share (Tables)
 6 Months Ended
Mar. 31, 2026
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 Six Months Ended
March 31, March 31,
2026 2025 2026 2025
 (Dollars in thousands, except per share amounts)
Net income$20,148 $15,399 $40,452 $30,830 
Income allocated to participating securities(24)(18)(49)(36)
Net income available to common stockholders$20,124 $15,381 $40,403 $30,794 
Total basic average common shares outstanding126,631,125 130,025,900 127,804,904 129,999,144 
Effect of dilutive stock options — — — — 
Total diluted average common shares outstanding126,631,125 130,025,900 127,804,904 129,999,144 
Net EPS:
Basic$0.16 $0.12 $0.32 $0.24 
Diluted$0.16 $0.12 $0.32 $0.24 
Antidilutive stock options, excluded from the diluted
average common shares outstanding calculation 182,810 267,439 201,857 290,390 
v3.26.1
Securities (Tables)
 6 Months Ended
Mar. 31, 2026
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 Company did not hold any tax-exempt securities during the six months ended March 31, 2026 or 2025.
March 31, 2026
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
 (Dollars in thousands)
MBS$791,659 $14,642 $550 $805,751 
Corporate bonds4,000 — 185 3,815 
$795,659 $14,642 $735 $809,566 

September 30, 2025
GrossGrossEstimated
AmortizedUnrealizedUnrealizedFair
CostGainsLossesValue
(Dollars in thousands)
MBS$843,369 $20,303 $172 $863,500 
Corporate bonds4,000 — 284 3,716 
$847,369 $20,303 $456 $867,216 
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.
March 31, 2026
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
 (Dollars in thousands)
MBS$54,007 $480 $5,199 $70 
Corporate bonds— — 3,815 185 
$54,007 $480 $9,014 $255 

September 30, 2025
Less Than 12 MonthsEqual to or Greater Than 12 Months
EstimatedUnrealizedEstimatedUnrealized
Fair ValueLossesFair ValueLosses
 (Dollars in thousands)
MBS$13,946 $55 $26,144 $117 
Corporate bonds— — 3,716 284 
$13,946 $55 $29,860 $401 
Schedule Of Contractual Maturities
The amortized cost and estimated fair value of AFS debt securities as of March 31, 2026, 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 categories in the table below.
AmortizedEstimated
CostFair Value
(Dollars in thousands)
Five years through ten years$4,000 $3,815 
4,000 3,815 
MBS791,659 805,751 
$795,659 $809,566 
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.
March 31, 2026September 30, 2025
(Dollars in thousands)
Federal Reserve Bank of Kansas City ("FRB of Kansas City") borrowings$103,752 $91,130 
Public unit deposits99,018 150,916 
$202,770 $242,046 
v3.26.1
Loans Receivable And Allowance For Credit Losses (Tables)
 6 Months Ended
Mar. 31, 2026
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]  
Summary of Loans Receivable
Loans receivable, net at March 31, 2026 and September 30, 2025 are summarized as follows:
March 31, 2026 September 30, 2025
(Dollars in thousands)
One- to four-family:
Originated$3,676,252 $3,774,134 
Correspondent purchased1,905,759 2,000,216 
Bulk purchased109,675 114,231 
Construction16,123 16,054 
Total5,707,809 5,904,635 
Commercial:
Commercial real estate1,896,313 1,709,990 
Commercial and industrial 232,182 210,119 
Commercial construction189,251 195,886 
Total2,317,746 2,115,995 
Consumer:
Home equity106,414 104,809 
Other7,327 8,436 
Total113,741 113,245 
Total loans receivable8,139,296 8,133,875 
Less:
ACL26,599 24,039 
Deferred loan fees/discounts30,087 31,268 
Premiums/deferred costs(31,595)(33,393)
$8,114,205 $8,111,961 
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 of the loan, net of undisbursed 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 March 31, 2026 and September 30, 2025, 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 that were modified during the current fiscal year. During the current quarter, an updated appraisal was received related to the collateral securing this lending relationship and as a result, a specific valuation allowance was recorded as of March 31, 2026. The loans associated with this lending relationship were on nonaccrual at both March 31, 2026 and September 30, 2025. The loans are recourse loans and have personal guarantees.
March 31, 2026
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2025202420232022YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$118,393 $227,023 $210,407 $278,931 $508,747 $2,312,503 $— $— $3,656,004 
Special Mention— 480 763 1,501 1,213 4,555 — — 8,512 
Substandard— — — 361 299 14,159 — — 14,819 
Correspondent purchased
Pass— — 500 282,798 422,286 1,212,420 — — 1,918,004 
Special Mention— — — 1,668 — 722 — — 2,390 
Substandard— — — 711 840 5,569 — — 7,120 
Bulk purchased
Pass— — — — — 106,343 — — 106,343 
Special Mention— — — — — 1,596 — — 1,596 
Substandard— — — — — 2,084 — — 2,084 
118,393 227,503 211,670 565,970 933,385 3,659,951 — — 5,716,872 
Commercial:
Commercial real estate
Pass439,207 624,768 248,004 280,838 200,794 205,043 11,144 — 2,009,798 
Special Mention— 6,847 — — 15,090 — 415 — 22,352 
Substandard40,386 — 297 2,631 160 2,101 198 — 45,773 
Commercial and industrial
Pass38,932 88,088 23,359 23,840 12,409 6,497 36,930 — 230,055 
Special Mention114 — — — 30 — 220 — 364 
Substandard70 242 131 23 79 — 869 — 1,414 
518,709 719,945 271,791 307,332 228,562 213,641 49,776 — 2,309,756 
Consumer:
Home equity
Pass2,347 4,961 4,891 3,196 3,233 2,921 77,486 7,490 106,525 
Special Mention— — — 13 — — 64 79 156 
Substandard— 98 — — — 4 32 34 168 
Other
Pass1,538 2,311 1,359 958 641 107 358 — 7,272 
Special Mention— — 10 — — — — — 10 
Substandard3 2 12 — 27 1 — — 45 
3,888 7,372 6,272 4,167 3,901 3,033 77,940 7,603 114,176 
Total$640,990 $954,820 $489,733 $877,469 $1,165,848 $3,876,625 $127,716 $7,603 $8,140,804 
September 30, 2025
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20252024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Pass$233,573 $232,879 $296,339 $529,728 $739,138 $1,722,587 $— $— $3,754,244 
Special Mention— — 1,409 1,099 1,672 4,614 — — 8,794 
Substandard— — 363 568 469 12,005 — — 13,405 
Correspondent purchased
Pass— 510 301,792 439,538 524,927 748,902 — — 2,015,669 
Special Mention— — 1,441 523 366 367 — — 2,697 
Substandard— — — 615 263 4,153 — — 5,031 
Bulk purchased
Pass— — — — — 110,862 — — 110,862 
Special Mention— — — — — 1,564 — — 1,564 
Substandard— — — — — 2,180 — — 2,180 
233,573 233,389 601,344 972,071 1,266,835 2,607,234 — — 5,914,446 
Commercial:
Commercial real estate
Pass639,555 292,900 396,152 208,604 111,266 134,388 9,775 — 1,792,640 
Special Mention7,587 — 36,266 16,060 — 80 — — 59,993 
Substandard39,962 142 2,681 — 106 2,609 50 — 45,550 
Commercial and industrial
Pass103,700 25,950 26,082 14,387 5,555 1,923 31,287 — 208,884 
Special Mention— — — 44 — — 355 — 399 
Substandard— 292 — 87 25 — 69 — 473 
790,804 319,284 461,181 239,182 116,952 139,000 41,536 — 2,107,939 
Consumer:
Home equity
Pass5,609 5,532 3,513 3,755 1,064 2,166 75,067 7,937 104,643 
Special Mention— — 33 — — — 251 42 326 
Substandard100 — — — — 11 57 42 210 
Other
Pass3,629 1,877 1,354 824 175 49 416 — 8,324 
Special Mention— — — — — — — — — 
Substandard8 26 33 45 — — — — 112 
9,346 7,435 4,933 4,624 1,239 2,226 75,791 8,021 113,615 
Total$1,033,723 $560,108 $1,067,458 $1,215,877 $1,385,026 $2,748,460 $117,327 $8,021 $8,136,000 
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.
March 31, 2026
Revolving
Line of
CurrentFiscalFiscalFiscalFiscalRevolvingCredit
FiscalYearYearYearYearPriorLine ofConverted
Year2025202420232022YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$118,393 $227,074 $211,170 $280,728 $509,450 $2,321,790 $— $— $3,668,605 
30-89— 429 — — 791 5,388 — — 6,608 
90+/FC— — — 65 18 4,039 — — 4,122 
Correspondent purchased
Current— — 500 284,357 421,760 1,213,593 — — 1,920,210 
30-89— — — 110 526 1,336 — — 1,972 
90+/FC— — — 710 840 3,782 — — 5,332 
Bulk purchased
Current— — — — — 109,263 — — 109,263 
30-89— — — — — 421 — — 421 
90+/FC— — — — — 339 — — 339 
118,393 227,503 211,670 565,970 933,385 3,659,951 — — 5,716,872 
Commercial:
Commercial real estate
Current479,122 631,615 247,955 283,252 215,884 204,326 11,559 — 2,073,713 
30-89471 — 87 — — 1,012 — — 1,570 
90+/FC— — 259 217 160 1,806 198 — 2,640 
Commercial and industrial
Current39,116 87,674 23,359 23,850 12,464 6,497 37,100 — 230,060 
30-89— 656 — 13 54 — 50 — 773 
90+/FC— — 131 — — — 869 — 1,000 
518,709 719,945 271,791 307,332 228,562 213,641 49,776 — 2,309,756 
Consumer:
Home equity
Current2,347 4,974 4,891 3,209 3,218 2,925 77,316 7,368 106,248 
30-89— 85 — — 15 — 247 201 548 
90+/FC— — — — — — 19 34 53 
Other
Current1,538 2,310 1,369 942 662 107 358 — 7,286 
30-89— 1 — 16 6 — — — 23 
90+/FC3 2 12 — — 1 — — 18 
3,888 7,372 6,272 4,167 3,901 3,033 77,940 7,603 114,176 
Total$640,990 $954,820 $489,733 $877,469 $1,165,848 $3,876,625 $127,716 $7,603 $8,140,804 
September 30, 2025
Revolving
Line of
FiscalFiscalFiscalFiscalFiscalRevolvingCredit
YearYearYearYearYearPriorLine ofConverted
20252024202320222021YearsCreditto TermTotal
(Dollars in thousands)
One- to four-family:
Originated
Current$233,573 $232,879 $298,045 $530,487 $740,699 $1,730,689 $— $— $3,766,372 
30-89— — 66 908 473 5,873 — — 7,320 
90+/FC— — — — 107 2,644 — — 2,751 
Correspondent purchased
Current— 510 302,960 440,138 525,556 749,725 — — 2,018,889 
30-89— — 273 161 — 2,664 — — 3,098 
90+/FC— — — 377 — 1,033 — — 1,410 
Bulk purchased
Current— — — — — 114,315 — — 114,315 
30-89— — — — — 156 — — 156 
90+/FC— — — — — 135 — — 135 
233,573 233,389 601,344 972,071 1,266,835 2,607,234 — — 5,914,446 
Commercial:
Commercial real estate
Current687,104 292,556 434,882 223,812 111,227 134,468 9,775 — 1,893,824 
30-89— 344 — 852 40 — — — 1,236 
90+/FC— 142 217 — 105 2,609 50 — 3,123 
Commercial and industrial
Current103,700 26,100 26,082 14,486 5,580 1,923 31,642 — 209,513 
30-89— — — 32 — — — — 32 
90+/FC— 142 — — — — 69 — 211 
790,804 319,284 461,181 239,182 116,952 139,000 41,536 — 2,107,939 
Consumer:
Home equity
Current5,709 5,481 3,546 3,755 1,064 2,171 75,137 7,826 104,689 
30-89— 51 — — — — 198 195 444 
90+/FC— — — — — 6 40 — 46 
Other
Current3,615 1,847 1,353 856 175 49 416 — 8,311 
30-8915 42 20 — — — — — 77 
90+/FC7 14 14 13 — — — — 48 
9,346 7,435 4,933 4,624 1,239 2,226 75,791 8,021 113,615 
Total$1,033,723 $560,108 $1,067,458 $1,215,877 $1,385,026 $2,748,460 $117,327 $8,021 $8,136,000 
Gross Charge-Offs - The following tables present gross charge-offs, for the periods indicated, by class of financing receivable for the year of origination or most recent credit decision.
For the Six Months Ended March 31, 2026
Revolving
Lines
CurrentFiscalFiscalFiscalFiscalRevolvingof Credit
FiscalYearYearYearYearPriorLines ofConverted to
Year2025202420232022YearsCreditTermTotal
(Dollars in thousands)
One- to four-family:
Originated$— $— $12 $— $— $— $— $— $12 
Correspondent purchased— — — — — — — — — 
Bulk purchased— — — — — — — — — 
— — 12 — — — — — 12 
Commercial:
Commercial real estate— — — — — — — — — 
Commercial and industrial— — 77 — — 25 — — 102 
— — 77 — — 25 — — 102 
Consumer:
Home equity16 6 — — — 3 3 — 28 
Other— — — 15 7 — — — 22 
16 6 — 15 7 3 3 — 50 
Total$16 $6 $89 $15 $7 $28 $3 $— $164 

For the Six Months Ended March 31, 2025
Revolving
Lines
FiscalFiscalFiscalFiscalFiscalRevolvingof Credit
YearYearYearYearYearPriorLines ofConverted to
20252024202320222021YearsCreditTermTotal
(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 equity8 12 — — — — — — 20 
Other— 1 4 — — — 2 — 7 
8 13 4 — — — 2 — 27 
Total$8 $13 $4 $— $— $113 $2 $— $140 
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 March 31, 2026 and September 30, 2025, all loans 90 or more days delinquent were on nonaccrual status.
March 31, 2026
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$6,608 $4,122 $10,730 $3,668,605 $3,679,335 
Correspondent purchased1,972 5,332 7,304 1,920,210 1,927,514 
Bulk purchased421 339 760 109,263 110,023 
Commercial:
Commercial real estate1,570 2,640 4,210 2,073,713 2,077,923 
Commercial and industrial 773 1,000 1,773 230,060 231,833 
Consumer:
Home equity548 53 601 106,248 106,849 
Other23 18 41 7,286 7,327 
$11,915 $13,504 $25,419 $8,115,385 $8,140,804 

September 30, 2025
90 or More DaysTotalTotal
30 to 89 DaysDelinquent orDelinquentCurrentAmortized
Delinquentin ForeclosureLoansLoansCost
(Dollars in thousands)
One- to four-family:
Originated$7,320 $2,751 $10,071 $3,766,372 $3,776,443 
Correspondent purchased3,098 1,410 4,508 2,018,889 2,023,397 
Bulk purchased156 135 291 114,315 114,606 
Commercial:
Commercial real estate1,236 3,123 4,359 1,893,824 1,898,183 
Commercial and industrial 32 211 243 209,513 209,756 
Consumer:
Home equity444 46 490 104,689 105,179 
Other77 48 125 8,311 8,436 
$12,363 $7,724 $20,087 $8,115,913 $8,136,000 
Nonaccrual Loans
The following table presents the amortized cost at March 31, 2026 and September 30, 2025, 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 majority of the balance of commercial real estate nonaccrual loans at March 31, 2026 and September 30, 2025 related to two loans from the same borrowing relationship. During the current quarter, an updated appraisal was received related to the collateral securing the borrowing relationship and a specific valuation allowance was recorded as of March 31, 2026. See additional discussion related to these loans in the "Credit Quality Indicators - Loan Classification" section above.
March 31, 2026September 30, 2025
Nonaccrual LoansNonaccrual Loans with No ACLNonaccrual LoansNonaccrual Loans with No ACL
(Dollars in thousands)
One- to four-family:
Originated$4,122 $1,693 $2,751 $1,833 
Correspondent purchased5,332 266 1,409 — 
Bulk purchased339 — 135 — 
Commercial:
Commercial real estate43,359 27,528 43,087 43,087 
Commercial and industrial 1,415 640 320 320 
Consumer:
Home equity53 32 46 — 
Other18 — 48 14 
$54,638 $30,159 $47,796 $45,254 
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 six months ended March 31, 2026, the only charge-offs associated with modified loans during the period were $12 thousand for one- to four-family originated loans. During the six months ended March 31, 2025 there were no charge-offs related to loans modified during the period. The Company has not committed to lend additional amounts to borrowers included in these tables. The commercial real estate payment delay modification during the six months ended March 31, 2026 was due primarily to the two loans discussed above, under the "Credit Quality Indicators - Loan Classification" section. These two commercial loans were classified as substandard and nonaccrual at March 31, 2026.
For the Three Months Ended March 31, 2026
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$— $1,969 $450 $2,419 0.1%
Correspondent purchased— 346 367 713 —
Bulk purchased1,596 — — 1,596 1.5
1,596 2,315 817 4,728 0.1
Commercial:
Commercial real estate914 — — 914 —
Commercial and industrial— — 13 13 —
914 — 13 927 —
Consumer loans:
Home equity42 — — 42 —
Other— — — — —
42 — — 42 —
Total$2,552 $2,315 $830 $5,697 0.1
For the Six Months Ended March 31, 2026
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$134 $4,208 $1,066 $5,408 0.1%
Correspondent purchased— 696 367 1,063 0.1
Bulk purchased1,596 — — 1,596 1.5
1,730 4,904 1,433 8,067 0.1
Commercial:
Commercial real estate40,829 — — 40,829 2.0
Commercial and industrial— — 13 13 —
40,829 — 13 40,842 1.8
Consumer loans:
Home equity42 — — 42 —
Other— — — — —
42 — — 42 —
Total$42,601 $4,904 $1,446 $48,951 0.6

For the Three Months Ended March 31, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$236 $1,344 $651 $2,231 0.1%
Correspondent purchased— 513 187 700 —
Bulk purchased— — — — —
236 1,857 838 2,931 —
Commercial:
Commercial real estate8,189 — — 8,189 0.5
Commercial and industrial— 838 — 838 0.6
8,189 838 — 9,027 0.5
Consumer loans:
Home equity— 35 — 35 —
Other— — — — —
— 35 — 35 —
Total$8,425 $2,730 $838 $11,993 0.2
For the Six Months Ended March 31, 2025
Term
ExtensionTotal
andClass of
PaymentTermPaymentFinancing
DelayExtensionDelayTotalReceivable
(Dollars in thousands)
One- to four-family:
Originated$353 $2,255 $816 $3,424 0.1%
Correspondent purchased— 513 187 700 —
Bulk purchased— — — — —
353 2,768 1,003 4,124 0.1
Commercial:
Commercial real estate8,189 — — 8,189 0.5
Commercial and industrial— 838 — 838 0.6
8,189 838 — 9,027 0.5
Consumer loans:
Home equity20 34 — 54 0.1
Other— — — — —
20 34 — 54 0.1
Total$8,562 $3,640 $1,003 $13,205 0.2

Financial effect of loan modifications - The table below presents the financial effect of loan modifications during the periods noted, including the weighted average payment delay and weighted average term extension.
For the Three Months Ended March 31, 2026For the Six Months Ended March 31, 2026
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated9 months24 months8 months40 months
Correspondent purchased8 months18 months8 months19 months
Bulk purchased13 monthsN/A13 monthsN/A
Commercial:
Commercial real estate6 monthsN/A11 monthsN/A
Commercial and industrial60 months60 months60 months60 months
Consumer:
Consumer home equity8 monthsN/A8 monthsN/A
For the Three Months Ended March 31, 2025For the Six Months Ended March 31, 2025
PaymentTermPaymentTerm
DelayExtensionDelayExtension
One- to four-family:
Originated8 months20 months8 months18 months
Correspondent purchased9 months34 months9 months34 months
Commercial:
Commercial real estate9 monthsN/A9 monthsN/A
Commercial and industrialN/A3 monthsN/A3 months
Consumer:
Consumer home equityN/A14 months7 months14 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 March 31, 2026 and March 31, 2025, on loans modified during the preceding 12-months for borrowers experiencing financial difficulty that were delinquent as of March 31, 2026 and March 31, 2025, respectively. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of March 31, 2026 and March 31, 2025.
As of March 31, 2026As of March 31, 2025
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$479 $355 $834 $567 $428 $995 
Correspondent purchased— — — — — — 
Bulk purchased— — — — — — 
Commercial:
Commercial real estate766 148 914 — — — 
Commercial and industrial— — — — — — 
Consumer loans:
Home equity— — — — 88 88 
Other— — — — — — 
Total$1,245 $503 $1,748 $567 $516 $1,083 
Modifications, Subsequent Default
The following tables present the amortized cost basis of loans that had a payment default during the three and six months ended March 31, 2026 or March 31, 2025 and were modified to borrowers experiencing financial difficulty in the 12-months prior to the default date, by class of financing receivable and by type of modification. The Company considers "default" to mean 90 days or more past due under the modified terms.
For the Three Months Ended March 31, 2026
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$— $169 $470 $639 
Correspondent purchased— — — — 
Bulk purchased— — — — 
Commercial:
Commercial real estate148 — — 148 
Commercial and industrial— — — — 
Consumer loans:
Home equity— — — — 
Other— — — — 
Total$148 $169 $470 $787 
For the Six Months Ended March 31, 2026
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$— $462 $624 $1,086 
Correspondent purchased— — — — 
Bulk purchased— — — — 
Commercial:
Commercial real estate148 — — 148 
Commercial and industrial— — — — 
Consumer loans:
Home equity— — — — 
Other— — — — 
Total$148 $462 $624 $1,234 
For the Three Months Ended March 31, 2025
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$84 $193 $151 $428 
Correspondent purchased— — 187 187 
Bulk purchased— — — — 
Commercial:
Commercial real estate— — 192 192 
Commercial and industrial— — 227 227 
Consumer loans:
Home equity88 — — 88 
Other— — — — 
Total$172 $193 $757 $1,122 
For the Six Months Ended March 31, 2025
Term
Extension
and
PaymentTermPayment
DelayExtensionDelayTotal
(Dollars in thousands)
One- to four-family:
Originated$84 $193 $151 $428 
Correspondent purchased— — 428 428 
Bulk purchased— — — — 
Commercial:
Commercial real estate— — 192 192 
Commercial and industrial— — 227 227 
Consumer loans:
Home equity88 — — 88 
Other— — — — 
Total$172 $193 $998 $1,363 
Allowance for Credit Losses The following table summarizes ACL activity, by loan portfolio segment, for the periods presented.
For the Three Months Ended March 31, 2026
Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotal ConsumerTotal
(Dollars in thousands)
Beginning balance$2,842 $19,696 $1,826 $21,522 $208 $24,572 
Charge-offs(12)— — — (29)(41)
Recoveries1 — — — 3 4 
Provision for credit losses(168)1,993 220 2,213 19 2,064 
Ending balance$2,663 $21,689 $2,046 $23,735 $201 $26,599 
For the Six Months Ended March 31, 2026
 Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotalConsumerTotal
(Dollars in thousands)
Beginning balance$3,046 $18,277 $2,499 $20,776 $217 $24,039 
Charge-offs(12)— (102)(102)(50)(164)
Recoveries1 — 2 2 5 8 
Provision for credit losses(372)3,412 (353)3,059 29 2,716 
Ending balance$2,663 $21,689 $2,046 $23,735 $201 $26,599 
For the Three Months Ended March 31, 2025
Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotalConsumerTotal
(Dollars in thousands)
Beginning balance$3,757 $19,790 $1,209 $20,999 $241 $24,997 
Charge-offs(113)— — — (10)(123)
Recoveries2 — 2 2 5 9 
Provision for credit losses(84)(785)(40)(825)(4)(913)
Ending balance$3,562 $19,005 $1,171 $20,176 $232 $23,970 
For the Six Months Ended March 31, 2025
Commercial
One- to four-Commercial Commercial
FamilyReal Estateand IndustrialTotalConsumerTotal
(Dollars in thousands)
Beginning balance$3,673 $17,968 $1,186 $19,154 $208 $23,035 
Charge-offs(113)— — — (27)(140)
Recoveries5 20 2 22 6 33 
Provision for credit losses(3)1,017 (17)1,000 45 1,042 
Ending balance$3,562 $19,005 $1,171 $20,176 $232 $23,970 
At March 31, 2026 and September 30, 2025, the Bank's off-balance sheet credit exposures totaled $896.5 million and $821.6 million, respectively.
The following table summarizes the change in reserve for off-balance sheet credit exposures during the periods indicated. The increase in the reserve for off-balance sheet credit exposures as of March 31, 2026 compared to March 31, 2025 was due primarily to an increase in commercial off-balance sheet credit exposures between periods.
For the Three Months Ended For the Six Months Ended
March 31, 2026March 31, 2025March 31, 2026March 31, 2025
(Dollars in thousands)
Beginning balance$6,000 $4,725 $5,546 $6,003 
Provision for credit losses308 913 762 (365)
Ending balance$6,308 $5,638 $6,308 $5,638 
v3.26.1
Fair Value Of Financial Instruments (Tables)
 6 Months Ended
Mar. 31, 2026
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. All of the Company's financial instruments measured at fair value on a recurring basis were assets at March 31, 2026 and September 30, 2025. The Company did not have any Level 3 financial instruments measured at fair value on a recurring basis at March 31, 2026 or September 30, 2025.
March 31, 2026
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value (Level 1) (Level 2) (Level 3)
(Dollars in thousands)
AFS Securities:
MBS$805,751 $— $805,751 $— 
Corporate bonds3,815 — 3,815 — 
  809,566 — 809,566 — 
Interest rate swap1,336 — 1,336 — 
$810,902 $— $810,902 $— 

September 30, 2025
Quoted Prices Significant Significant
in Active MarketsOther ObservableUnobservable
Carryingfor Identical Assets InputsInputs
Value (Level 1) (Level 2) (Level 3)
(Dollars in thousands)
AFS Securities:
MBS$863,500 $— $863,500 $— 
Corporate bonds3,716 — 3,716 — 
  867,216 — 867,216 — 
Interest rate swap926 — 926 — 
$868,142 $— $868,142 $— 
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:
March 31, 2026
CarryingEstimated Fair Value
Amount Total Level 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$330,925 $330,925 $330,925 $— $— 
AFS securities809,566 809,566 — 809,566 — 
Loans receivable8,114,205 7,919,862 — — 7,919,862 
FHLB stock79,420 79,420 79,420 — — 
Interest rate swap1,336 1,336 — 1,336 — 
Liabilities:
Deposits6,924,491 6,924,926 3,910,366 3,014,560 — 
Borrowings1,707,055 1,704,829 — 1,704,829 — 
September 30, 2025
CarryingEstimated Fair Value
Amount Total Level 1Level 2Level 3
(Dollars in thousands)
Assets:
Cash and cash equivalents$252,443 $252,443 $252,443 $— $— 
AFS securities867,216 867,216 — 867,216 — 
Loans receivable8,111,961 7,902,077 — — 7,902,077 
FHLB stock90,662 90,662 90,662 — — 
Interest rate swap926 926 — 926 — 
Liabilities:
Deposits6,591,448 6,597,102 3,578,768 3,018,334 — 
Borrowings1,950,770 1,952,458 — 1,952,458 — 
v3.26.1
Accumulated Other Comprehensive Income (Tables)
 6 Months Ended
Mar. 31, 2026
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 presented.
For the Three Months Ended March 31, 2026
 Unrealized Unrealized 
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$15,626 $580 $16,206 
Other comprehensive (loss) income, before reclassifications(5,079)569 (4,510)
Amount reclassified from AOCI, net of taxes of $44
— (136)(136)
Other comprehensive income (loss)(5,079)433 (4,646)
Ending balance$10,547 $1,013 $11,560 
 For the Six Months Ended March 31, 2026
 Unrealized Unrealized 
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$15,052 $703 $15,755 
Other comprehensive (loss) income, before reclassifications(4,505)652 (3,853)
Amount reclassified from AOCI, net of taxes of $109
— (342)(342)
Other comprehensive (loss)(4,505)310 (4,195)
Ending balance$10,547 $1,013 $11,560 
For the Three Months Ended March 31, 2025
 Unrealized Unrealized 
Gains (Losses)Gains (Losses)
on AFSon Cash FlowTotal
SecuritiesHedgesAOCI
(Dollars in thousands)
Beginning balance$8,290 $3,272 $11,562 
Other comprehensive income (loss), before reclassifications6,750 (706)6,044 
Amount reclassified from AOCI, net of taxes of $177
— (554)(554)
Other comprehensive income (loss)6,750 (1,260)5,490 
Ending balance$15,040 $2,012 $17,052 
For the Six Months Ended March 31, 2025
 Unrealized Unrealized 
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(4,992)1,669 (3,323)
Amount reclassified from AOCI, net of taxes of $399
— (1,252)(1,252)
Other comprehensive income (loss)(4,992)417 (4,575)
Ending balance$15,040 $2,012 $17,052 
v3.26.1
Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Dec. 31, 2025
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2026
Mar. 31, 2025
Earnings Per Share [Abstract]            
Net income $ 20,148 $ 20,304 $ 15,399 $ 15,431 $ 40,452 $ 30,830
Income allocated to participating securities (24)   (18)   (49) (36)
Net income available to common stockholders, basic 20,124   15,381   40,403 30,794
Net Income available to common stockholders, diluted $ 20,124   $ 15,381   $ 40,403 $ 30,794
Total basic average common shares outstanding 126,631,125   130,025,900   127,804,904 129,999,144
Effect of dilutive stock options 0   0   0 0
Total diluted average common shares outstanding 126,631,125   130,025,900   127,804,904 129,999,144
Net EPS            
Basic $ 0.16   $ 0.12   $ 0.32 $ 0.24
Diluted $ 0.16   $ 0.12   $ 0.32 $ 0.24
Antidilutive stock options, excluded from the diluted average common shares outstanding calculation 182,810   267,439   201,857 290,390
v3.26.1
Securities (Narrative) (Details) - USD ($)
$ in Thousands
 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Sep. 30, 2025
Marketable Securities [Line Items]      
AFS securities $ 809,566   $ 867,216
Non-taxable securities 0 $ 0  
Residential MBS [Member]      
Marketable Securities [Line Items]      
AFS securities 734,800   793,800
Commercial MBS [Member]      
Marketable Securities [Line Items]      
AFS securities $ 70,900   $ 69,700
v3.26.1
Securities (Amortized Cost, Estimated Fair Value, and Gross Unrealized Gains and Losses of AFS and HTM Securities) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Marketable Securities [Line Items]    
Available-for-sale Securities, Amortized Cost $ 795,659 $ 847,369
Available-for-sale Securities, Gross Unrealized Gains 14,642 20,303
Available-for-sale Securities, Gross Unrealized Losses 735 456
Available-for-sale Securities, Estimated Fair Value 809,566 867,216
MBS [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Amortized Cost 791,659 843,369
Available-for-sale Securities, Gross Unrealized Gains 14,642 20,303
Available-for-sale Securities, Gross Unrealized Losses 550 172
Available-for-sale Securities, Estimated Fair Value 805,751 863,500
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 185 284
Available-for-sale Securities, Estimated Fair Value $ 3,815 $ 3,716
v3.26.1
Securities (Schedule Of Estimated Fair Value And Gross Unrealized Losses Of Securities In Continuous Unrealized Loss Position) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Marketable Securities [Line Items]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value $ 54,007 $ 13,946
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses 480 55
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value 9,014 29,860
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses 255 401
MBS [Member]    
Marketable Securities [Line Items]    
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Estimated Fair Value 54,007 13,946
Available-for-sale Securities, Continuous Unrealized Loss Position, Less Than 12 Months, Unrealized Losses 480 55
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Estimated Fair Value 5,199 26,144
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses 70 117
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 3,815 3,716
Available-for-sale Securities, Continuous Unrealized Loss Position, Equal to or Greater Than 12 Months, Unrealized Losses $ 185 $ 284
v3.26.1
Securities (Schedule Of Contractual Maturities) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Marketable Securities [Abstract]    
Available-for-sale Securities, Five years through ten years, Amortized Cost $ 4,000  
Available-for-sale Securities, Included in maturity categories, Amortized Cost 4,000  
MBS, Amortized Cost 791,659  
Available-for-sale Securities, Amortized Cost 795,659 $ 847,369
Available-for-sale Securities, Five years through ten years, Estimated Fair Value 3,815  
Available-for-sale Securities, Included in maturity categories, Estimated Fair Value 3,815  
MBS, Estimated Fair Value 805,751  
Available-for-sale Securities, Estimated Fair Value $ 809,566 $ 867,216
v3.26.1
Securities (Schedule Of Carrying Value Of Securities Pledged As Collateral) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Marketable Securities [Line Items]    
AFS securities $ 809,566 $ 867,216
Asset Pledged as Collateral [Member]    
Marketable Securities [Line Items]    
AFS securities 202,770 242,046
Asset Pledged as Collateral [Member] | FRB of Kansas City borrowings [Member]    
Marketable Securities [Line Items]    
AFS securities 99,018 150,916
Asset Pledged as Collateral [Member] | Public Unit Deposits [Member]    
Marketable Securities [Line Items]    
AFS securities $ 103,752 $ 91,130
v3.26.1
Loans Receivable And Allowance For Credit Losses (Narrative) (Details) - USD ($)
$ in Thousands
 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2027
Sep. 30, 2025
Loans Receivable [Line Items]        
Loan-to-value ratio securing commercial real estate loans, maximum 85.00%      
Debt service coverage ratio for commercial real estate loans, minimum 1.15      
Loan-to-value ratio securing commercial construction loans, maximum 80.00%      
Outstanding Loan Balance for Commercial Total Relationship Annual Review Minimum $ 2,500      
Loans receivable 8,114,205     $ 8,111,961
Amortized cost of loans in process of foreclosure 1,300     1,000
Carrying value of residential OREO 135     197
Financing receivable, gross charge-offs on modified loans   $ 0    
Financing Receivable, Modified, Commitment to Lend 0 $ 0    
Off-balance sheet credit exposures 896,500     821,600
One- to Four-Family Segment [Member] | Originated [Member]        
Loans Receivable [Line Items]        
Financing receivable, gross charge-offs on modified loans 12      
Forecast [Member]        
Loans Receivable [Line Items]        
Unemployment Rate     4.70%  
Doubtful [Member]        
Loans Receivable [Line Items]        
Loans receivable $ 0     $ 0
v3.26.1
Loans Receivable And Allowance For Credit Losses (Summary Of Loans Receivable) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Dec. 31, 2025
Sep. 30, 2025
Mar. 31, 2025
Dec. 31, 2024
Sep. 30, 2024
Loans Receivable [Line Items]            
Loans receivable, gross $ 8,139,296   $ 8,133,875      
ACL 26,599 $ 24,572 24,039 $ 23,970 $ 24,997 $ 23,035
Deferred loan fees/discounts 30,087   31,268      
Premiums/deferred costs (31,595)   (33,393)      
Loans receivable, net 8,114,205   8,111,961      
One- to Four-Family Segment [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 5,707,809   5,904,635      
ACL 2,663 2,842 3,046 3,562 3,757 3,673
One- to Four-Family Segment [Member] | Originated [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 3,676,252   3,774,134      
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 1,905,759   2,000,216      
One- to Four-Family Segment [Member] | Bulk Purchased [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 109,675   114,231      
One- to Four-Family Segment [Member] | Construction [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 16,123   16,054      
Commercial Segment [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 2,317,746   2,115,995      
ACL 23,735 21,522 20,776 20,176 20,999 19,154
Commercial Segment [Member] | Construction [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 189,251   195,886      
Commercial Segment [Member] | Commercial Real Estate [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 1,896,313   1,709,990      
ACL 21,689 19,696 18,277 19,005 19,790 17,968
Commercial Segment [Member] | Commercial and Industrial [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 232,182   210,119      
ACL 2,046 1,826 2,499 1,171 1,209 1,186
Consumer Segment [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 113,741   113,245      
ACL 201 $ 208 217 $ 232 $ 241 $ 208
Consumer Segment [Member] | Home Equity [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross 106,414   104,809      
Consumer Segment [Member] | Other [Member]            
Loans Receivable [Line Items]            
Loans receivable, gross $ 7,327   $ 8,436      
v3.26.1
Loans Receivable And Allowance For Credit Losses (Classified Loans) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One $ 640,990 $ 1,033,723
Year Two 954,820 560,108
Year Three 489,733 1,067,458
Year Four 877,469 1,215,877
Year Five 1,165,848 1,385,026
Prior Years 3,876,625 2,748,460
Revolving Line of Credit 127,716 117,327
Revolving Line of Credit Converted to Term Loan 7,603 8,021
Total Amortized Cost 8,140,804 8,136,000
One- to Four-Family Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 118,393 233,573
Year Two 227,503 233,389
Year Three 211,670 601,344
Year Four 565,970 972,071
Year Five 933,385 1,266,835
Prior Years 3,659,951 2,607,234
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 5,716,872 5,914,446
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 3,679,335 3,776,443
One- to Four-Family Segment [Member] | Originated [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 118,393 233,573
Year Two 227,023 232,879
Year Three 210,407 296,339
Year Four 278,931 529,728
Year Five 508,747 739,138
Prior Years 2,312,503 1,722,587
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 3,656,004 3,754,244
One- to Four-Family Segment [Member] | Originated [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 480 0
Year Three 763 1,409
Year Four 1,501 1,099
Year Five 1,213 1,672
Prior Years 4,555 4,614
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 8,512 8,794
One- to Four-Family Segment [Member] | Originated [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 0
Year Three 0 363
Year Four 361 568
Year Five 299 469
Prior Years 14,159 12,005
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 14,819 13,405
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 1,927,514 2,023,397
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 0
Year Two 0 510
Year Three 500 301,792
Year Four 282,798 439,538
Year Five 422,286 524,927
Prior Years 1,212,420 748,902
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,918,004 2,015,669
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 0
Year Three 0 1,441
Year Four 1,668 523
Year Five 0 366
Prior Years 722 367
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,390 2,697
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 0
Year Four 711 615
Year Five 840 263
Prior Years 5,569 4,153
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 7,120 5,031
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 110,023 114,606
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 106,343 110,862
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 106,343 110,862
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 1,596 1,564
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,596 1,564
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 2,084 2,180
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,084 2,180
Commercial Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 518,709 790,804
Year Two 719,945 319,284
Year Three 271,791 461,181
Year Four 307,332 239,182
Year Five 228,562 116,952
Prior Years 213,641 139,000
Revolving Line of Credit 49,776 41,536
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,309,756 2,107,939
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 2,077,923 1,898,183
Commercial Segment [Member] | Commercial Real Estate [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 439,207 639,555
Year Two 624,768 292,900
Year Three 248,004 396,152
Year Four 280,838 208,604
Year Five 200,794 111,266
Prior Years 205,043 134,388
Revolving Line of Credit 11,144 9,775
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,009,798 1,792,640
Commercial Segment [Member] | Commercial Real Estate [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 7,587
Year Two 6,847 0
Year Three 0 36,266
Year Four 0 16,060
Year Five 15,090 0
Prior Years 0 80
Revolving Line of Credit 415 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 22,352 59,993
Commercial Segment [Member] | Commercial Real Estate [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 40,386 39,962
Year Two 0 142
Year Three 297 2,681
Year Four 2,631 0
Year Five 160 106
Prior Years 2,101 2,609
Revolving Line of Credit 198 50
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 45,773 45,550
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 231,833 209,756
Commercial Segment [Member] | Commercial and Industrial [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 38,932 103,700
Year Two 88,088 25,950
Year Three 23,359 26,082
Year Four 23,840 14,387
Year Five 12,409 5,555
Prior Years 6,497 1,923
Revolving Line of Credit 36,930 31,287
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 230,055 208,884
Commercial Segment [Member] | Commercial and Industrial [Member] | Special Mention [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 114 0
Year Two 0 0
Year Three 0 0
Year Four 0 44
Year Five 30 0
Prior Years 0 0
Revolving Line of Credit 220 355
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 364 399
Commercial Segment [Member] | Commercial and Industrial [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 70 0
Year Two 242 292
Year Three 131 0
Year Four 23 87
Year Five 79 25
Prior Years 0 0
Revolving Line of Credit 869 69
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,414 473
Consumer Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 3,888 9,346
Year Two 7,372 7,435
Year Three 6,272 4,933
Year Four 4,167 4,624
Year Five 3,901 1,239
Prior Years 3,033 2,226
Revolving Line of Credit 77,940 75,791
Revolving Line of Credit Converted to Term Loan 7,603 8,021
Total Amortized Cost 114,176 113,615
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 106,849 105,179
Consumer Segment [Member] | Home Equity [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 2,347 5,609
Year Two 4,961 5,532
Year Three 4,891 3,513
Year Four 3,196 3,755
Year Five 3,233 1,064
Prior Years 2,921 2,166
Revolving Line of Credit 77,486 75,067
Revolving Line of Credit Converted to Term Loan 7,490 7,937
Total Amortized Cost 106,525 104,643
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 0 33
Year Four 13 0
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 64 251
Revolving Line of Credit Converted to Term Loan 79 42
Total Amortized Cost 156 326
Consumer Segment [Member] | Home Equity [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 100
Year Two 98 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 4 11
Revolving Line of Credit 32 57
Revolving Line of Credit Converted to Term Loan 34 42
Total Amortized Cost 168 210
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 7,327 8,436
Consumer Segment [Member] | Other [Member] | Pass [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 1,538 3,629
Year Two 2,311 1,877
Year Three 1,359 1,354
Year Four 958 824
Year Five 641 175
Prior Years 107 49
Revolving Line of Credit 358 416
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 7,272 8,324
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 10 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 10 0
Consumer Segment [Member] | Other [Member] | Substandard [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 3 8
Year Two 2 26
Year Three 12 33
Year Four 0 45
Year Five 27 0
Prior Years 1 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost $ 45 $ 112
v3.26.1
Loans Receivable And Allowance For Credit Losses (Delinquent Loans) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One $ 640,990 $ 1,033,723
Year Two 954,820 560,108
Year Three 489,733 1,067,458
Year Four 877,469 1,215,877
Year Five 1,165,848 1,385,026
Prior Years 3,876,625 2,748,460
Revolving Line of Credit 127,716 117,327
Revolving Line of Credit Converted to Term Loan 7,603 8,021
Total Amortized Cost 8,140,804 8,136,000
Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 8,115,385 8,115,913
Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 11,915 12,363
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 13,504 7,724
One- to Four-Family Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 118,393 233,573
Year Two 227,503 233,389
Year Three 211,670 601,344
Year Four 565,970 972,071
Year Five 933,385 1,266,835
Prior Years 3,659,951 2,607,234
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 5,716,872 5,914,446
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 3,679,335 3,776,443
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 118,393 233,573
Year Two 227,074 232,879
Year Three 211,170 298,045
Year Four 280,728 530,487
Year Five 509,450 740,699
Prior Years 2,321,790 1,730,689
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 3,668,605 3,766,372
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 429 0
Year Three 0 66
Year Four 0 908
Year Five 791 473
Prior Years 5,388 5,873
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 6,608 7,320
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 0
Year Three 0 0
Year Four 65 0
Year Five 18 107
Prior Years 4,039 2,644
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 4,122 2,751
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 1,927,514 2,023,397
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 0
Year Two 0 510
Year Three 500 302,960
Year Four 284,357 440,138
Year Five 421,760 525,556
Prior Years 1,213,593 749,725
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,920,210 2,018,889
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 0 273
Year Four 110 161
Year Five 526 0
Prior Years 1,336 2,664
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,972 3,098
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 0
Year Four 710 377
Year Five 840 0
Prior Years 3,782 1,033
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 5,332 1,410
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 110,023 114,606
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 109,263 114,315
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 109,263 114,315
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 421 156
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 421 156
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 339 135
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 339 135
Commercial Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 518,709 790,804
Year Two 719,945 319,284
Year Three 271,791 461,181
Year Four 307,332 239,182
Year Five 228,562 116,952
Prior Years 213,641 139,000
Revolving Line of Credit 49,776 41,536
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,309,756 2,107,939
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 2,077,923 1,898,183
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 479,122 687,104
Year Two 631,615 292,556
Year Three 247,955 434,882
Year Four 283,252 223,812
Year Five 215,884 111,227
Prior Years 204,326 134,468
Revolving Line of Credit 11,559 9,775
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,073,713 1,893,824
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 471 0
Year Two 0 344
Year Three 87 0
Year Four 0 852
Year Five 0 40
Prior Years 1,012 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,570 1,236
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 0 142
Year Three 259 217
Year Four 217 0
Year Five 160 105
Prior Years 1,806 2,609
Revolving Line of Credit 198 50
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 2,640 3,123
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 231,833 209,756
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 39,116 103,700
Year Two 87,674 26,100
Year Three 23,359 26,082
Year Four 23,850 14,486
Year Five 12,464 5,580
Prior Years 6,497 1,923
Revolving Line of Credit 37,100 31,642
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 230,060 209,513
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 0
Year Two 656 0
Year Three 0 0
Year Four 13 32
Year Five 54 0
Prior Years 0 0
Revolving Line of Credit 50 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 773 32
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 0 142
Year Three 131 0
Year Four 0 0
Year Five 0 0
Prior Years 0 0
Revolving Line of Credit 869 69
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 1,000 211
Consumer Segment [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 3,888 9,346
Year Two 7,372 7,435
Year Three 6,272 4,933
Year Four 4,167 4,624
Year Five 3,901 1,239
Prior Years 3,033 2,226
Revolving Line of Credit 77,940 75,791
Revolving Line of Credit Converted to Term Loan 7,603 8,021
Total Amortized Cost 114,176 113,615
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 106,849 105,179
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 2,347 5,709
Year Two 4,974 5,481
Year Three 4,891 3,546
Year Four 3,209 3,755
Year Five 3,218 1,064
Prior Years 2,925 2,171
Revolving Line of Credit 77,316 75,137
Revolving Line of Credit Converted to Term Loan 7,368 7,826
Total Amortized Cost 106,248 104,689
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 85 51
Year Three 0 0
Year Four 0 0
Year Five 15 0
Prior Years 0 0
Revolving Line of Credit 247 198
Revolving Line of Credit Converted to Term Loan 201 195
Total Amortized Cost 548 444
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 0
Year Three 0 0
Year Four 0 0
Year Five 0 0
Prior Years 0 6
Revolving Line of Credit 19 40
Revolving Line of Credit Converted to Term Loan 34 0
Total Amortized Cost 53 46
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Total Amortized Cost 7,327 8,436
Consumer Segment [Member] | Other [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 1,538 3,615
Year Two 2,310 1,847
Year Three 1,369 1,353
Year Four 942 856
Year Five 662 175
Prior Years 107 49
Revolving Line of Credit 358 416
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 7,286 8,311
Consumer Segment [Member] | Other [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Credit Quality Indicator [Line Items]    
Year One 0 15
Year Two 1 42
Year Three 0 20
Year Four 16 0
Year Five 6 0
Prior Years 0 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost 23 77
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 3 7
Year Two 2 14
Year Three 12 14
Year Four 0 13
Year Five 0 0
Prior Years 1 0
Revolving Line of Credit 0 0
Revolving Line of Credit Converted to Term Loan 0 0
Total Amortized Cost $ 18 $ 48
v3.26.1
Loans Receivable and Allowance for Credit Losses (Gross Charge-offs) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     $ 16 $ 8
Year Two     6 13
Year Three     89 4
Year Four     15 0
Year Five     7 0
Prior Years     28 113
Revolving Line of Credit     3 2
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs $ 41 $ 123 164 140
One- to Four-Family Segment [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     12 0
Year Four     0 0
Year Five     0 0
Prior Years     0 113
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs 12 113 12 113
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     12 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     12 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     0 113
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     0 113
Commercial Segment [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     77 0
Year Four     0 0
Year Five     0 0
Prior Years     25 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs 0 0 102 0
Commercial Segment [Member] | Commercial Real Estate [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
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 0
Year Three     77 0
Year Four     0 0
Year Five     0 0
Prior Years     25 0
Revolving Line of Credit     0 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs 0 0 102 0
Consumer Segment [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     16 8
Year Two     6 13
Year Three     0 4
Year Four     15 0
Year Five     7 0
Prior Years     3 0
Revolving Line of Credit     3 2
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs $ 29 $ 10 50 27
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     16 8
Year Two     6 12
Year Three     0 0
Year Four     0 0
Year Five     0 0
Prior Years     3 0
Revolving Line of Credit     3 0
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     28 20
Consumer Segment [Member] | Other [Member]        
Financing Receivable, Credit Quality Indicator [Line Items]        
Year One     0 0
Year Two     0 1
Year Three     0 4
Year Four     15 0
Year Five     7 0
Prior Years     0 0
Revolving Line of Credit     0 2
Revolving Line of Credit Converted to Term Loan     0 0
Total Charge-offs     $ 22 $ 7
v3.26.1
Loans Receivable And Allowance For Credit Losses (Loans, Past Due Aging Analysis) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost $ 8,140,804 $ 8,136,000
Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 25,419 20,087
Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 11,915 12,363
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 13,504 7,724
Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 8,115,385 8,115,913
One- to Four-Family Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 5,716,872 5,914,446
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 3,679,335 3,776,443
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 10,730 10,071
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 6,608 7,320
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 4,122 2,751
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 3,668,605 3,766,372
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,927,514 2,023,397
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 7,304 4,508
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 1,972 3,098
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 5,332 1,410
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,920,210 2,018,889
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 110,023 114,606
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 760 291
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 421 156
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 339 135
One- to Four-Family Segment [Member] | Bulk Purchased [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 109,263 114,315
Commercial Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,309,756 2,107,939
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,077,923 1,898,183
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 4,210 4,359
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 1,570 1,236
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 2,640 3,123
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 2,073,713 1,893,824
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 231,833 209,756
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 1,773 243
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 773 32
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 1,000 211
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 230,060 209,513
Consumer Segment [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 114,176 113,615
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 106,849 105,179
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 601 490
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 548 444
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 53 46
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 106,248 104,689
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 7,327 8,436
Consumer Segment [Member] | Other [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 41 125
Consumer Segment [Member] | Other [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost 23 77
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 18 48
Consumer Segment [Member] | Other [Member] | Financial Asset, Not Past Due [Member]    
Financing Receivable, Past Due [Line Items]    
Total Amortized Cost $ 7,286 $ 8,311
v3.26.1
Loans Receivable And Allowance For Credit Losses (Loans, Nonaccrual) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans $ 54,638 $ 47,796
Nonaccrual loans with no ACL 30,159 45,254
One- to Four-Family Segment [Member] | Originated [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 4,122 2,751
Nonaccrual loans with no ACL 1,693 1,833
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 5,332 1,409
Nonaccrual loans with no ACL 266 0
One- to Four-Family Segment [Member] | Bulk Purchased [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 339 135
Nonaccrual loans with no ACL 0 0
Commercial Segment [Member] | Commercial Real Estate [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 43,359 43,087
Nonaccrual loans with no ACL 27,528 43,087
Commercial Segment [Member] | Commercial and Industrial [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 1,415 320
Nonaccrual loans with no ACL 640 320
Consumer Segment [Member] | Home Equity [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 53 46
Nonaccrual loans with no ACL 32 0
Consumer Segment [Member] | Other [Member]    
Financing Receivable, Past Due [Line Items]    
Nonaccrual loans 18 48
Nonaccrual loans with no ACL $ 0 $ 14
v3.26.1
Loans Receivable And Allowance for Credit Losses (Modifications on Financing Receivables) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 5,697 $ 11,993 $ 48,951 $ 13,205
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.10% 0.20% 0.60% 0.20%
Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 2,552 $ 8,425 $ 42,601 $ 8,562
Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 2,315 2,730 4,904 3,640
Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 830 838 1,446 1,003
One- to Four-Family Segment [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 4,728 $ 2,931 $ 8,067 $ 4,124
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.10% 0.00% 0.10% 0.10%
One- to Four-Family Segment [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 1,596 $ 236 $ 1,730 $ 353
One- to Four-Family Segment [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 2,315 1,857 4,904 2,768
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 817 838 1,433 1,003
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 2,419 $ 2,231 $ 5,408 $ 3,424
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.10% 0.10% 0.10% 0.10%
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 $ 0 $ 236 $ 134 $ 353
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 1,969 1,344 4,208 2,255
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 450 651 1,066 816
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 713 $ 700 $ 1,063 $ 700
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.10% 0.00%
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 $ 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 346 513 696 513
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 367 187 367 187
One- to Four-Family Segment [Member] | Bulk Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 1,596 $ 0 $ 1,596 $ 0
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 1.50% 0.00% 1.50% 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 $ 1,596 $ 0 $ 1,596 $ 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 $ 927 $ 9,027 $ 40,842 $ 9,027
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.50% 1.80% 0.50%
Commercial Segment [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 914 $ 8,189 $ 40,829 $ 8,189
Commercial Segment [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 838 0 838
Commercial Segment [Member] | Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 13 0 13 0
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 914 $ 8,189 $ 40,829 $ 8,189
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.50% 2.00% 0.50%
Commercial Segment [Member] | Commercial Real Estate [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 914 $ 8,189 $ 40,829 $ 8,189
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 0
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 13 $ 838 $ 13 $ 838
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.60% 0.00% 0.60%
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 $ 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 0 838 0 838
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 13 0 13 0
Consumer Segment [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 42 $ 35 $ 42 $ 54
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.00% 0.10%
Consumer Segment [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 42 $ 0 $ 42 $ 20
Consumer Segment [Member] | Extended Maturity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount 0 35 0 34
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 $ 42 $ 35 $ 42 $ 54
Financing Receivable, Excluding Accrued Interest, Modified in Period, to Total Financing Receivables, Percentage 0.00% 0.00% 0.00% 0.10%
Consumer Segment [Member] | Home Equity [Member] | Payment Deferral [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Excluding Accrued Interest, Modified in Period, Amount $ 42 $ 0 $ 42 $ 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 35 0 34
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 $ 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
v3.26.1
Loans Receivable And Allowance for Credit Losses (Financial Effect of Modifications) (Details)
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 9 months 8 months 8 months 8 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification 24 months 20 months 40 months 18 months
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 8 months 9 months 8 months 9 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification 18 months 34 months 19 months 34 months
One- to Four-Family Segment [Member] | Bulk Purchased [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 13 months   13 months  
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 6 months 9 months 11 months 9 months
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 60 months   60 months  
Financing Receivable, Modified, Weighted Average Term Increase from Modification 60 months 3 months 60 months 3 months
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Modified [Line Items]        
Financing Receivable, Modified, Payment Deferral, Period 8 months   8 months 7 months
Financing Receivable, Modified, Weighted Average Term Increase from Modification   14 months   14 months
v3.26.1
Loans Receivable And Allowance for Credit Losses (Modifications, Performance) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Mar. 31, 2025
Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months $ 1,748 $ 1,083
Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 1,245 567
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 503 516
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 834 995
One- to Four-Family Segment [Member] | Originated [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 479 567
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]    
Financing Receivable, Modified, after 12 Months 355 428
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 0
One- to Four-Family Segment [Member] | Correspondent Purchased [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 0
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]    
Financing Receivable, 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]    
Financing Receivable, 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]    
Financing Receivable, 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]    
Financing Receivable, Modified, after 12 Months 0 0
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 914 0
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 766 0
Commercial Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 148 0
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 0
Commercial Segment [Member] | Commercial and Industrial [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 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]    
Financing Receivable, Modified, after 12 Months 0 0
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 88
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, 30 to 89 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 0
Consumer Segment [Member] | Home Equity [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, Modified, after 12 Months 0 88
Consumer Segment [Member] | Other [Member] | Financial Asset, Past Due [Member]    
Financing Receivable, Modified [Line Items]    
Financing Receivable, 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]    
Financing Receivable, 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]    
Financing Receivable, Modified, after 12 Months $ 0 $ 0
v3.26.1
Loans Receivable and Allowance for Credit Losses (Modifications, Subsequent Default) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default $ 787 $ 1,122 $ 1,234 $ 1,363
Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 148 172 148 172
Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 169 193 462 193
Extended Maturity and Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 470 757 624 998
One- to Four-Family Segment [Member] | Originated [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 639 428 1,086 428
One- to Four-Family Segment [Member] | Originated [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 84 0 84
One- to Four-Family Segment [Member] | Originated [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 169 193 462 193
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 470 151 624 151
One- to Four-Family Segment [Member] | Correspondent Purchased [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 187 0 428
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 0 0 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 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 0 187 0 428
One- to Four-Family Segment [Member] | Bulk Purchased [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 0 0 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 0 0 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 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 0
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 148 192 148 192
Commercial Segment [Member] | Commercial Real Estate [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 148 0 148 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 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 0 192
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 227 0 227
Commercial Segment [Member] | Commercial and Industrial [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 0 0 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 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 0 227
Consumer Segment [Member] | Home Equity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 88 0 88
Consumer Segment [Member] | Home Equity [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 88 0 88
Consumer Segment [Member] | Home Equity [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 0 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 0
Consumer Segment [Member] | Other [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 0 0 0
Consumer Segment [Member] | Other [Member] | Payment Deferral [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 0 0 0
Consumer Segment [Member] | Other [Member] | Extended Maturity [Member]        
Financing Receivable, Modified, Subsequent Default [Line Items]        
Amortized Cost, Modified, Subsequent Default 0 0 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 $ 0
v3.26.1
Loans Receivable And Allowance For Credit Losses (Allowance For Credit Losses) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance $ 24,572 $ 24,997 $ 24,039 $ 23,035
Charge-offs 41 123 164 140
Recoveries 4 9 8 33
Provision for credit losses 2,064 (913) 2,716 1,042
Ending Balance 26,599 23,970 26,599 23,970
One- to Four-Family Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 2,842 3,757 3,046 3,673
Charge-offs 12 113 12 113
Recoveries 1 2 1 5
Provision for credit losses (168) (84) (372) (3)
Ending Balance 2,663 3,562 2,663 3,562
Commercial Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 21,522 20,999 20,776 19,154
Charge-offs 0 0 102 0
Recoveries 0 2 2 22
Provision for credit losses 2,213 (825) 3,059 1,000
Ending Balance 23,735 20,176 23,735 20,176
Commercial Segment [Member] | Commercial Real Estate [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 19,696 19,790 18,277 17,968
Charge-offs 0 0 0 0
Recoveries 0 0 0 20
Provision for credit losses 1,993 (785) 3,412 1,017
Ending Balance 21,689 19,005 21,689 19,005
Commercial Segment [Member] | Commercial and Industrial [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 1,826 1,209 2,499 1,186
Charge-offs 0 0 102 0
Recoveries 0 2 2 2
Provision for credit losses 220 (40) (353) (17)
Ending Balance 2,046 1,171 2,046 1,171
Consumer Segment [Member]        
Financing Receivable, Allowance for Credit Loss [Line Items]        
Beginning Balance 208 241 217 208
Charge-offs 29 10 50 27
Recoveries 3 5 5 6
Provision for credit losses 19 (4) 29 45
Ending Balance $ 201 $ 232 $ 201 $ 232
v3.26.1
Loans Receivable And Allowance For Credit Losses (Reserve for Off-Balance Sheet Credit Exposures) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]        
Beginning Balance $ 6,000 $ 4,725 $ 5,546 $ 6,003
Provision for credit losses 308 913 762 (365)
Ending Balance $ 6,308 $ 5,638 $ 6,308 $ 5,638
v3.26.1
Borrowed Funds (Narrative) (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended 12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Sep. 30, 2025
Interest rate swap, notional amount $ 100,000   $ 100,000   $ 100,000
FHLB Advances, Variable Rate 100,000   $ 100,000   $ 100,000
Interest rate swap, remaining term to maturity     2 years 2 months 12 days   2 years 8 months 12 days
Interest rate swap $ 1,300   $ 1,300   $ 926
Derivative Asset, balance sheet location Other assets   Other assets   Other assets
Interest rate swap, amount reclassified from AOCI $ (136) $ (554) $ (342) $ (1,252)  
Interest rate swap, future amount to be reclassified from AOCI     (693)    
Interest rate swap, collateral held (1,600)   (1,600)   $ (920)
Prepaid FHLB Advances [Member]          
FHLB Advances, Amount $ 425,000   $ 425,000    
FHLB Advances, Interest Rate 4.32%   4.32%    
FHLB Advances, Term     9 months 18 days    
FHLB Advances, Prepayment Penalties     $ 2,100    
Replacement FHLB Advances [Member]          
FHLB Advances, Amount $ 425,000   $ 425,000    
FHLB Advances, Interest Rate 3.79%   3.79%    
FHLB Advances, Term     2 years 3 months 18 days    
v3.26.1
Income Taxes (Narrative) (Details) - USD ($)
$ in Millions
 6 Months Ended
Mar. 31, 2026
Sep. 30, 2025
Net operating loss carryforward $ 6.4  
Operating loss carryforwards, expiration will carry forward indefinitely  
Federal tax credit carryforward $ 26.9 $ 22.3
Tax credit carryforward, expiration Federal tax credits carry forward for 20 years.  
Domestic Tax Jurisdiction [Member]    
Operating loss carryforwards $ 25.3  
State and Local Jurisdiction [Member]    
Operating loss carryforwards $ 34.6  
v3.26.1
Fair Value Of Financial Instruments (Narrative) (Details)
$ in Thousands
Mar. 31, 2026
USD ($)
Sep. 30, 2025
USD ($)
Mar. 31, 2025
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 $ 50,200   $ 50,200
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 0   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
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, Recurring [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Assets, Fair Value Disclosure $ 810,902 $ 868,142  
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 50,200   50,200
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 0   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] | Lack of Marketability [Member] | Minimum [Member]      
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]      
Loans receivable, measurement input 0.08   0.10
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 1   0.99
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 0.19   0.22
v3.26.1
Fair Value Of Financial Instruments (Schedule Of Fair Value Assets Measured On A Recurring Basis) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS securities $ 809,566 $ 867,216
Interest rate swap 1,300 926
MBS [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS securities 805,751 863,500
Corporate Bonds [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS securities 3,815 3,716
Fair Value, Recurring [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS securities 809,566 867,216
Interest rate swap 1,336 926
Assets 810,902 868,142
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 swap 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 809,566 867,216
Interest rate swap 1,336 926
Assets 810,902 868,142
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 swap 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 805,751 863,500
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 805,751 863,500
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] | Corporate Bonds [Member]    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
AFS securities 3,815 3,716
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 3,815 3,716
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
v3.26.1
Fair Value Of Financial Instruments (Schedule Of Carrying Amounts And Estimated Fair Values Of Financial Instruments) (Details) - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Mar. 31, 2025
Assets:      
AFS securities $ 809,566 $ 867,216  
Interest rate swap 1,300 926  
Significant Unobservable Inputs (Level 3) [Member]      
Assets:      
Loans receivable 50,200   $ 50,200
Carrying Amount [Member]      
Assets:      
Cash and cash equivalents 330,925 252,443  
AFS securities 809,566 867,216  
Loans receivable 8,114,205 8,111,961  
FHLB stock 79,420 90,662  
Interest rate swap 1,336 926  
Liabilities:      
Deposits 6,924,491 6,591,448  
Borrowings 1,707,055 1,950,770  
Estimated Fair Value [Member]      
Assets:      
Cash and cash equivalents 330,925 252,443  
AFS securities 809,566 867,216  
Loans receivable 7,919,862 7,902,077  
FHLB stock 79,420 90,662  
Interest rate swap 1,336 926  
Liabilities:      
Deposits 6,924,926 6,597,102  
Borrowings 1,704,829 1,952,458  
Estimated Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]      
Assets:      
Cash and cash equivalents 330,925 252,443  
AFS securities 0 0  
Loans receivable 0 0  
FHLB stock 79,420 90,662  
Interest rate swap 0 0  
Liabilities:      
Deposits 3,910,366 3,578,768  
Borrowings 0 0  
Estimated Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]      
Assets:      
Cash and cash equivalents 0 0  
AFS securities 809,566 867,216  
Loans receivable 0 0  
FHLB stock 0 0  
Interest rate swap 1,336 926  
Liabilities:      
Deposits 3,014,560 3,018,334  
Borrowings 1,704,829 1,952,458  
Estimated Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Assets:      
Cash and cash equivalents 0 0  
AFS securities 0 0  
Loans receivable 7,919,862 7,902,077  
FHLB stock 0 0  
Interest rate swap 0 0  
Liabilities:      
Deposits 0 0  
Borrowings $ 0 $ 0  
v3.26.1
Accumulated Other Comprehensive Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Dec. 31, 2025
Mar. 31, 2025
Dec. 31, 2024
Mar. 31, 2026
Mar. 31, 2025
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Other comprehensive income (loss), before reclassifications - AFS Securities $ (5,079)   $ 6,750   $ (4,505) $ (4,992)
Other comprehensive income (loss), before reclassifications - Cash Flow Hedges 569   (706)   652 1,669
Amount reclassified from AOCI, deferred income taxes 44   177   109 399
Amount reclassified from AOCI - AFS Securities 0   0   0 0
Amount reclassified from AOCI - Cash Flow Hedges (136)   (554)   (342) (1,252)
Other comprehensive income (loss) - AFS Securities (5,079)   6,750   (4,505) (4,992)
Other comprehensive income (loss) - Cash Flow Hedges 433   (1,260)   310 417
Other comprehensive income (loss) (4,646) $ 451 5,490 $ (10,065) (4,195) (4,575)
Unrealized Gains (Losses) on AFS Securities [Member]            
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Beginning Balance 15,626 15,052 8,290 20,032 15,052 20,032
Ending Balance 10,547 15,626 15,040 8,290 10,547 15,040
Unrealized Gains (Losses) on Cash Flow Hedges [Member]            
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Beginning Balance 580 703 3,272 1,595 703 1,595
Ending Balance 1,013 580 2,012 3,272 1,013 2,012
AOCI [Member]            
Accumulated Other Comprehensive Income (Loss) [Line Items]            
Beginning Balance 16,206 15,755 11,562 21,627 15,755 21,627
Other comprehensive income (loss), before reclassifications (4,510)   6,044   (3,853) (3,323)
Amount reclassified from AOCI - Cash Flow Hedges (136)   (554)   (342) (1,252)
Other comprehensive income (loss) (4,646) 451 5,490 (10,065) (4,195) (4,575)
Ending Balance $ 11,560 $ 16,206 $ 17,052 $ 11,562 $ 11,560 $ 17,052