Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Sep. 30, 2019
Cash and cash equivalents:
Cash and due from financial institutions	$ 24,322	$ 25,179	[1]
Interest-bearing deposits in banks	94,529	117,836	[1]
Total cash and cash equivalents	118,851	143,015	[1]
Certificates of deposit (“CDs”) held for investment (at cost, which approximates fair value)	76,249	78,346	[1]
Investment securities held to maturity, at amortized cost (estimated fair value $40,240 and $32,580)	39,080	31,102	[1]
Investment securities available for sale, at fair value	37,873	22,532	[1]
Investments in equity securities, at fair value	953	958
Federal Home Loan Bank of Des Moines (“FHLB”) stock	1,437	1,437	[1]
Other investments, at cost	3,000	3,000	[1]
Loans held for sale	5,420	6,071	[1]
Loans receivable, net of allowance for loan losses of $9,882 and $9,690	913,150	886,662	[1]
Premises and equipment, net	22,588	22,830	[1]
Other real estate owned (“OREO”) and other repossessed assets, net	1,659	1,683	[1]
Accrued interest receivable	3,665	3,598	[1]
Bank owned life insurance (“BOLI”)	21,152	21,005	[1]
Goodwill	15,131	15,131	[1]
Core deposit intangible (“CDI”), net	1,930	2,031
Servicing rights, net	2,599	2,408	[1]
Operating lease right-of-use (ROU) assets	2,823	0	[1]
Other assets	2,982	5,323	[1]
Total assets	1,270,542	1,247,132	[1]
Deposits:
Non-interest-bearing demand	297,676	296,472	[1]
Interest-bearing	786,801	771,755	[1]
Total deposits	1,084,477	1,068,227	[1]
Operating lease liabilities	2,823	0	[1]
Other liabilities and accrued expenses	7,589	7,838	[1]
Total liabilities	1,094,889	1,076,065	[1]
Shareholders’ equity
Preferred stock, $0.01 par value; 1,000,000 shares authorized; none issued	0	0	[2]
Common stock, $0.01 par value; 50,000,000 shares authorized; 8,346,394 shares issued and outstanding - December 31, 2019 8,329,419 shares issued and outstanding - September 30, 2019	43,246	43,030	[2]
Retained earnings	132,553	127,987	[2]
Accumulated other comprehensive income (loss)	(146)	50	[2]
Total shareholders’ equity	175,653	171,067	[2]
Total liabilities and shareholders’ equity	$ 1,270,542	$ 1,247,132	[2]

[1] Derived from audited consolidated financial statements.

[2] Derived from audited consolidated financial statements.