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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2023
INTEREST INCOME      
Loans, including fees $ 115,603,000 $ 110,396,000 $ 89,801,000
Securities:      
Taxable 3,782,000 3,694,000 3,865,000
Tax-exempt 5,450,000 5,292,000 7,259,000
Dividend income 1,994,000 1,563,000 1,435,000
Interest-bearing deposits with banks 698,000 1,043,000 869,000
Total interest income 127,527,000 121,988,000 103,229,000
INTEREST EXPENSE      
Deposits 46,780,000 48,101,000 27,671,000
Federal funds purchased and repurchase agreements     1,000
Federal Home Loan Bank borrowings 13,058,000 12,609,000 10,739,000
Other borrowings 2,381,000 3,216,000 3,244,000
Total interest expense 62,219,000 63,926,000 41,655,000
Net interest income 65,308,000 58,062,000 61,574,000
Provision (credit) for credit losses-loans (118,000) 3,492,000 2,612,000
Provision (credit) for unfunded lending commitments 452,000 (421,000)  
Provision (credit) for credit losses - securities (9,000) 21,000  
Total provision for credit losses 325,000 3,092,000 2,612,000
Net interest income after provision for credit losses 64,983,000 54,970,000 58,962,000
NONINTEREST INCOME      
Service charges on deposit accounts 2,227,000 1,950,000 2,017,000
ATM and interchange fees 2,643,000 2,269,000 2,756,000
Net loss on sales of available for sale securities     (551,000)
Net unrealized gain on equity securities 90,000 491,000 57,000
Net gain on sale of equity securities 403,000    
Other than temporary impairment loss on securities     (28,000)
Net gain on sales of loans, Small Business Administration 4,221,000 3,013,000 2,717,000
Net gain on sales of loans, home equity lines of credit 4,038,000    
Mortgage banking income 357,000 197,000 14,331,000
Increase in cash surrender value of life insurance 1,503,000 1,378,000 1,081,000
Gain on life insurance 255,000    
Commission income 846,000 956,000 746,000
Real estate lease income 391,000 506,000 469,000
Net gain on premises and equipment 45,000 116,000 49,000
Gain from repurchase of subordinated debt     660,000
Other income 1,823,000 1,654,000 1,038,000
Total noninterest income 18,842,000 12,530,000 25,342,000
NONINTEREST EXPENSE      
Compensation and benefits 34,928,000 31,986,000 43,938,000
Occupancy and equipment 6,488,000 6,947,000 7,938,000
Data processing 3,247,000 2,617,000 4,861,000
Advertising 1,740,000 1,211,000 2,016,000
Professional fees 2,797,000 3,087,000 2,979,000
FDIC insurance premiums 1,846,000 2,154,000 1,675,000
Net (gain) loss on other real estate owned (192,000) 12,000 4,000
Other operating expenses 6,108,000 4,876,000 12,711,000
Total noninterest expense 56,962,000 52,890,000 76,122,000
Income before income taxes 26,863,000 14,610,000 8,182,000
Income tax expense 3,702,000 1,018,000 10,000
Net Income $ 23,161,000 $ 13,592,000 $ 8,172,000
Net income per share:      
Basic (in dollars per share) $ 3.37 $ 1.99 $ 1.19
Diluted (in dollars per share) $ 3.32 $ 1.98 $ 1.19
Weighted average shares outstanding:      
Basic (in shares) 6,871,242 6,830,466 6,848,311
Diluted (in shares) 6,976,901 6,856,520 6,880,072
Dividends per share $ 0.63 $ 0.59 $ 0.55