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Consolidated Statements of Income - USD ($)
12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2023
Interest and dividend income      
Loans receivable and loans held for sale $ 85,525,000 $ 77,430,000 $ 63,154,000
Investment securities 8,197,000 9,129,000 9,384,000
Dividends from mutual funds, FHLB stock and other investments 335,000 361,000 270,000
Interest-bearing deposits in banks and CDs 8,220,000 7,905,000 7,143,000
Total interest and dividend income 102,277,000 94,825,000 79,951,000
Interest expense      
Deposits 31,272,000 29,659,000 11,302,000
FHLB borrowings 805,000 999,000 290,000
Total interest expense 32,077,000 30,658,000 11,592,000
Net interest income 70,200,000 64,167,000 68,359,000
Provision for (recapture of) credit losses      
Provision for credit losses - loans 853,000 1,254,000 2,132,000
Recapture of credit losses - investment securities (24,000) (32,000) 0
Provision for (recapture of) credit losses - unfunded commitments 105,000 (71,000) 0
Total provision for credit losses - net 934,000 1,151,000 2,132,000
Net interest income after provision for (recapture of) credit losses 69,266,000 63,016,000 66,227,000
Non-interest income      
Net recoveries on investment securities 14,000 12,000 9,000
Gain on sales of investment securities, net 24,000 0 95,000
BOLI net earnings 1,702,000 645,000 706,000
Gain on sales of loans, net 511,000 322,000 244,000
Other, net 975,000 895,000 963,000
Total non-interest income, net 12,352,000 11,136,000 11,140,000
Non-interest expense      
Salaries and employee benefits 23,922,000 23,730,000 23,562,000
Premises and equipment 4,112,000 3,998,000 3,915,000
Gain on sales/dispositions of premises and equipment, net 0 (2,000) (19,000)
Advertising 761,000 761,000 786,000
OREO and other repossessed assets, net 20,000 5,000 1,000
ATM and debit card interchange transaction fees 2,279,000 2,384,000 1,987,000
Postage and courier 544,000 538,000 532,000
Amortization of CDI 180,000 226,000 271,000
State and local taxes 1,682,000 1,322,000 1,219,000
Professional fees 1,676,000 1,317,000 2,078,000
Federal Deposit Insurance Corporation ("FDIC") insurance 851,000 833,000 711,000
Loan administration and foreclosure 534,000 521,000 503,000
Technology and communications 4,369,000 4,264,000 3,545,000
Deposit operations 1,347,000 1,540,000 1,368,000
Other 3,110,000 2,309,000 2,914,000
Total non-interest expense, net 45,387,000 43,746,000 43,373,000
Income before income taxes and equity in undistributed     income of Bank 36,231,000 30,406,000 33,994,000
Provision for income taxes 7,070,000 6,123,000 6,876,000
Net income $ 29,161,000 $ 24,283,000 $ 27,118,000
Net income per common share      
Basic (in dollars per share) $ 3.68 $ 3.02 $ 3.32
Diluted (in dollars per share) $ 3.67 $ 3.01 $ 3.29
Service charges on deposits      
Non-interest income      
Service charges on deposits $ 3,915,000 $ 4,062,000 $ 3,824,000
ATM and debit card interchange transaction fees      
Non-interest income      
Service charges on deposits 4,975,000 5,066,000 5,194,000
Escrow fees      
Non-interest income      
Service charges on deposits 96,000 71,000 109,000
Servicing income (loss) on loans sold      
Non-interest income      
Service charges on deposits $ 140,000 $ 63,000 $ (4,000)