Regulatory Capital Requirements (Tables)

12 Months Ended

Sep. 30, 2020

Banking Regulation, Tier One Leverage Capital [Abstract]

Summary Of Capital And Total Risk-Based Capital Ratios

The Bank and the Company must maintain certain minimum capital ratios as set forth in the table below for capital adequacy purposes. In September 2019, the regulatory agencies, including the Office of the Comptroller of the Currency and FRB, adopted a final rule, effective January 1, 2020, creating a community bank leverage ratio ("CBLR") for institutions with total consolidated assets of less than $10 billion and that meet other qualifying criteria. Qualifying institutions that elect to use the CBLR framework and that maintain a leverage ratio of greater than 9% will be considered to have satisfied the generally applicable risk-based and leverage capital requirements in the regulatory agencies' capital rules and to have met the well-capitalized ratio requirements. In April 2020, as directed by Section 4012 of the CARES Act, the regulatory agencies introduced temporary changes to the CBLR. These changes, which subsequently were adopted as a final rule, temporarily reduced the CBLR requirement to 8% through the end of calendar year 2020. Beginning in calendar year 2021, the CBLR

requirement will increase to 8.5% for the calendar year before returning to 9% in calendar year 2022. Management has elected to use the CBLR framework for the Bank and Company.

Before electing to use the CBLR framework, the Company and Bank were required to maintain a capital conservation buffer above certain minimum risk-based capital ratios for capital adequacy purposes in order to avoid certain restrictions on capital distributions and other payments including dividends, share repurchases, and certain compensation. The capital conservation buffer was 2.5% at September 30, 2019, and the Bank and Company exceeded the capital conservation buffer requirement at that time.

Management believes, as of September 30, 2020, that the Bank and Company meet all capital adequacy requirements to which they are subject and there were no conditions or events subsequent to September 30, 2020 that would change the Bank's or Company's category.

									To Be Well
									Capitalized
									Under Prompt
					For Capital				Corrective Action
	Actual				Adequacy Purposes				Provisions
	Amount		Ratio		Amount		Ratio		Amount	Ratio
	(Dollars in thousands)
Bank
As of September 30, 2020
CBLR	$	1,168,808	12.4	%	$	754,884	8.0	%	N/A	N/A
As of September 30, 2019
Tier 1 leverage	1,169,037		12.1		387,427		4.0		484,284	5.0
Common Equity Tier 1 ("CET1") capital	1,169,037		24.1		218,042		4.5		314,949	6.5
Tier 1 capital	1,169,037		24.1		290,722		6.0		387,630	8.0
Total capital	1,178,263		24.3		387,630		8.0		484,537	10.0
Company
As of September 30, 2020
CBLR	1,287,854		13.7		754,767		8.0		N/A	N/A
As of September 30, 2019
Tier 1 leverage	1,336,377		13.8		387,346		4.0		N/A	N/A
CET1 capital	1,336,377		27.6		218,070		4.5		N/A	N/A
Tier 1 capital	1,336,377		27.6		290,759		6.0		N/A	N/A
Total capital	1,345,603		27.8		387,679		8.0		N/A	N/A