CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2025	Sep. 30, 2024
ASSETS
Cash and due from banks	$ 15,976	$ 39,393
Interest-bearing deposits with banks	15,875	12,749
Total cash and cash equivalents	31,851	52,142
Interest-bearing time deposits	245	490
Debt securities available for sale, at fair value, net of allowance for credit losses of $12 at September 30, 2025 and $21 at September 30, 2024	251,842	248,679
Debt securities held to maturity	778	1,040
Loans held for sale, residential mortgage	551
Loans held for sale, home equity lines of credit	36,082	0
Loans held for sale, Small Business Administration	14,821	25,716
Loans, net of allowance for credit losses of $20,289 at September 30, 2025 and $21,294 at September 30, 2024	1,886,818	1,963,852
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	25,485	24,986
Premises and equipment	25,396	26,462
Other real estate owned, held for sale	1,093	647
Accrued interest receivable:
Loans	9,414	9,447
Securities	1,962	1,929
Cash surrender value of life insurance	63,130	47,605
Goodwill	9,848	9,848
Core deposit intangibles	234	398
Nonresidential mortgage loan servicing rights	50	67
SBA loan servicing rights	3,035	2,687
Other assets	36,897	34,373
Total Assets	2,399,532	2,450,368
Deposits:
Noninterest-bearing	187,564	191,528
Interest-bearing	1,522,318	1,689,353
Total deposits	1,709,882	1,880,881
Federal Home Loan Bank borrowings	435,000	301,640
Other borrowings	28,762	48,603
Accrued interest payable	5,046	13,384
Advance payments by borrowers for taxes and insurance	1,050	931
Reserve for unfunded lending commitments	1,971	1,519
Accrued expenses and other liabilities	24,342	26,295
Total Liabilities	2,206,053	2,273,253
Commitments and contingent liabilities - see Note 17
STOCKHOLDERS' EQUITY
Preferred stock of $.01 par value per share; authorized 1,000,000 shares; none issued
Common stock of $.01 par value per share; authorized 20,000,000 shares; issued 7,901,548 shares (7,802,351 shares at September 30, 2024) outstanding 6,977,308 shares (6,887,106 shares at September 30, 2024)	79	78
Additional paid-in capital	30,373	27,647
Retained earnings	192,114	173,337
Accumulated other comprehensive loss	(15,087)	(11,195)
Unearned stock compensation	(1,829)	(901)
Treasury stock, at cost - 924,240 shares (915,245 shares at September 30, 2024)	(12,171)	(11,851)
Total Stockholders' Equity	193,479	177,115
Total Liabilities and Stockholders' Equity	$ 2,399,532	$ 2,450,368