
	December 31, 2023		September 30, 2023
	(Dollars in thousands)
One- to four-family:
Originated	$	3,986,479	$	3,978,837
Correspondent purchased	2,360,843		2,405,911
Bulk purchased	134,504		137,193
Construction	43,631		69,974
Total	6,525,457		6,591,915
Commercial:
Commercial real estate	1,019,431		995,788
Commercial and industrial	113,686		112,953
Construction	196,493		178,746
Total	1,329,610		1,287,487
Consumer:
Home equity	96,952		95,723
Other	9,670		9,256
Total	106,622		104,979

Total loans receivable	7,961,689		7,984,381

Less:
ACL	24,178		23,759
Deferred loan fees/discounts	30,653		31,335
Premiums/deferred costs	(40,652)		(41,662)
	$	7,947,510	$	7,970,949

Lending Practices and Underwriting Standards - Originating one- to four-family loans is the Bank's primary lending business. The Bank also purchases one- to four-family loans from correspondent lenders and originates consumer loans primarily secured by one- to four-family residential properties and originates and participates in commercial loans. The Bank has a loan concentration in one- to four-family loans and a geographic concentration of these loans in Kansas and Missouri.

The Bank also originates owner-occupied construction-to-permanent loans secured by one- to four-family residential real estate. Construction draw requests and the supporting documentation are reviewed and approved by designated personnel. The Bank also performs regular documented inspections of the construction project to ensure the funds are being used for the intended purpose and the project is being completed according to the plans and specifications provided.

Commercial loans - The Bank's commercial real estate and commercial construction loans are originated by the Bank or in participation with a lead bank. When underwriting a commercial real estate or commercial construction loan, several factors are considered, such as the income producing potential of the property, cash equity provided by the borrower, the financial strength of the borrower, managerial expertise of the borrower or tenant, feasibility studies, lending experience with the borrower and the marketability of the property. For commercial real estate and commercial construction participation loans, the Bank performs the same underwriting procedures as if the loan

was being originated by the Bank. At the time of origination, loan-to-value ("LTV") ratios on commercial real estate loans generally do not exceed 85% of the appraised value of the property securing the loans and the minimum debt service coverage ratio is generally 1.15. For commercial construction loans, LTV ratios generally do not exceed 80% of the projected appraised value of the property securing the loans and the minimum debt service coverage ratio is generally 1.15, but it applies to the projected cash flows, and the borrower must have successful experience with the construction and operation of properties similar to the subject property. Appraisals on properties securing these loans are performed by independent state certified fee appraisers.

The Bank's commercial and industrial loans are generally made in the Bank's market areas and are underwritten on the basis of the borrower's ability to service the debt from income. Working capital loans are primarily collateralized by short-term assets whereas term loans are primarily collateralized by long-term assets. In general, commercial and industrial loans involve more credit risk than commercial real estate loans due to the type of collateral securing commercial and industrial loans. As a result of these additional complexities, variables and risks, commercial and industrial loans generally require more thorough underwriting and servicing than other types of loans.

The underwriting standards for consumer loans include a determination of an applicant's payment history on other debts and an assessment of an applicant's ability to meet existing obligations and payments on the proposed loan. Although creditworthiness of an applicant is a primary consideration, the underwriting process also includes a comparison of the value of the security in relation to the proposed loan amount.

Credit Quality Indicators - Based on the Bank's lending emphasis and underwriting standards, management has segmented the loan portfolio into three segments: (1) one- to four-family; (2) consumer; and (3) commercial. These segments are further divided into classes for purposes of providing disaggregated credit quality information about the loan portfolio. The classes are: one- to four-family - originated, one- to four-family - correspondent purchased, one- to four-family - bulk purchased, consumer - home equity, consumer - other, commercial - commercial real estate, and commercial - commercial and industrial. One- to four-family construction loans are included in the originated class and commercial construction loans are included in the commercial real estate class. As part of the on-going monitoring of the credit quality of the Company's loan portfolio, management tracks certain credit quality indicators including trends related to loan classification and delinquency status.

•Special mention - These loans are performing loans on which known information about the collateral pledged or the possible credit problems of the borrower(s) have caused management to have doubts as to the ability of the borrower(s) to comply with present loan repayment terms and which may result in the future inclusion of such loans in the nonaccrual loan categories.

The following tables set forth, as of the dates indicated, the amortized cost of loans by class of financing receivable, year of origination or most recent credit decision, and loan classification. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year. Loans classified as doubtful or loss are individually evaluated for loss. At December 31, 2023 and September 30, 2023, there were no loans classified as doubtful, and all loans classified as loss were fully charged-off.


	December 31, 2023
															Revolving
															Line of
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Fiscal		Year		Year		Year		Year		Prior		Line of		Converted
	Year		2023		2022		2021		2020		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Pass	$	50,552	$	323,563	$	599,827	$	858,168	$	556,619	$	1,600,122	$	—	$	—	$	3,988,851
Special Mention	—		—		2,102		1,893		992		9,101		—		—		14,088
Substandard	—		—		—		691		1,051		9,809		—		—		11,551
Correspondent purchased
Pass	1,718		343,733		505,493		597,360		242,658		685,581		—		—		2,376,543
Special Mention	—		939		916		2,018		420		1,203		—		—		5,496
Substandard	—		—		1,562		—		—		6,299		—		—		7,861
Bulk purchased
Pass	—		—		—		—		—		131,789		—		—		131,789
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		3,180		—		—		3,180
	52,270		668,235		1,109,900		1,460,130		801,740		2,447,084		—		—		6,539,359
Commercial:
Commercial real estate
Pass	124,327		398,195		313,127		148,827		80,194		131,801		11,725		—		1,208,196
Special Mention	—		2,473		—		—		—		—		—		—		2,473
Substandard	—		67		—		—		594		474		—		—		1,135
Commercial and industrial
Pass	3,795		31,101		21,344		10,790		2,711		3,039		28,209		—		100,989
Special Mention	—		12,593		—		—		—		—		—		—		12,593
Substandard	—		—		—		—		—		82		—		—		82
	128,122		444,429		334,471		159,617		83,499		135,396		39,934		—		1,325,468
Consumer:
Home equity
Pass	2,552		5,341		5,444		1,723		1,031		2,724		71,875		5,995		96,685
Special Mention	—		—		46		—		—		16		43		226		331
Substandard	—		—		—		—		—		3		58		114		175
Other
Pass	1,551		4,181		2,439		640		253		191		412		—		9,667
Special Mention	—		—		—		—		3		—		—		—		3
Substandard	—		—		—		—		—		—		—		—		—
	4,103		9,522		7,929		2,363		1,287		2,934		72,388		6,335		106,861

Total	$	184,495	$	1,122,186	$	1,452,300	$	1,622,110	$	886,526	$	2,585,414	$	112,322	$	6,335	$	7,971,688


	September 30, 2023
															Revolving
															Line of
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Year		Year		Year		Year		Year		Prior		Line of		Converted
	2023		2022		2021		2020		2019		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Pass	$	318,569	$	597,298	$	874,518	$	568,081	$	251,773	$	1,398,616	$	—	$	—	$	4,008,855
Special Mention	—		1,883		1,468		767		1,863		8,067		—		—		14,048
Substandard	292		155		221		564		939		7,954		—		—		10,125
Correspondent purchased
Pass	346,084		517,976		607,968		246,926		62,744		643,520		—		—		2,425,218
Special Mention	308		674		1,674		420		357		1,133		—		—		4,566
Substandard	—		—		—		564		—		5,402		—		—		5,966
Bulk purchased
Pass	—		—		—		—		—		134,464		—		—		134,464
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		3,208		—		—		3,208
	665,253		1,117,986		1,485,849		817,322		317,676		2,202,364		—		—		6,606,450
Commercial:
Commercial real estate
Pass	403,269		301,164		208,942		81,478		82,027		79,170		10,448		—		1,166,498
Special Mention	2,483		—		—		—		—		—		—		—		2,483
Substandard	67		—		—		594		219		255		—		—		1,135
Commercial and industrial
Pass	30,206		23,166		11,740		3,228		2,693		748		27,104		—		98,885
Special Mention	13,191		—		—		—		—		—		699		—		13,890
Substandard	—		—		—		73		—		82		—		—		155
	449,216		324,330		220,682		85,373		84,939		80,255		38,251		—		1,283,046
Consumer:
Home equity
Pass	5,501		5,624		1,955		1,069		746		2,224		72,119		6,205		95,443
Special Mention	—		46		—		—		—		21		62		195		324
Substandard	—		—		—		—		—		15		125		48		188
Other
Pass	4,758		2,693		787		338		133		129		412		—		9,250
Special Mention	—		—		—		4		—		—		—		1		5
Substandard	2		—		—		—		—		—		—		—		2
	10,261		8,363		2,742		1,411		879		2,389		72,718		6,449		105,212

Total	$	1,124,730	$	1,450,679	$	1,709,273	$	904,106	$	403,494	$	2,285,008	$	110,969	$	6,449	$	7,994,708

Delinquency Status - The following tables set forth, as of the dates indicated, the amortized cost of current loans, loans 30 to 89 days delinquent, and loans 90 or more days delinquent or in foreclosure ("90+/FC"), by class of financing receivable and year of origination or most recent credit decision as of the dates indicated. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year.


	December 31, 2023
															Revolving
															Line of
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Fiscal		Year		Year		Year		Year		Prior		Line of		Converted
	Year		2023		2022		2021		2020		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Current	$	50,552	$	323,563	$	601,737	$	859,737	$	557,404	$	1,610,031	$	—	$	—	$	4,003,024
30-89	—		—		192		544		769		6,220		—		—		7,725
90+/FC	—		—		—		471		489		2,781		—		—		3,741
Correspondent purchased
Current	1,718		343,899		505,799		596,983		243,078		688,058		—		—		2,379,535
30-89	—		773		610		2,395		—		2,362		—		—		6,140
90+/FC	—		—		1,562		—		—		2,663		—		—		4,225
Bulk purchased
Current	—		—		—		—		—		133,440		—		—		133,440
30-89	—		—		—		—		—		587		—		—		587
90+/FC	—		—		—		—		—		942		—		—		942
	52,270		668,235		1,109,900		1,460,130		801,740		2,447,084		—		—		6,539,359
Commercial:
Commercial real estate
Current	123,381		399,539		313,127		148,827		80,136		130,629		11,475		—		1,207,114
30-89	946		1,129		—		—		58		1,191		250		—		3,574
90+/FC	—		67		—		—		594		455		—		—		1,116
Commercial and industrial
Current	3,795		43,463		21,344		10,790		2,711		3,039		28,209		—		113,351
30-89	—		231		—		—		—		—		—		—		231
90+/FC	—		—		—		—		—		82		—		—		82
	128,122		444,429		334,471		159,617		83,499		135,396		39,934		—		1,325,468
Consumer:
Home equity
Current	2,552		5,341		5,452		1,706		1,031		2,676		71,483		6,207		96,448
30-89	—		—		38		17		—		64		473		35		627
90+/FC	—		—		—		—		—		3		20		93		116
Other
Current	1,551		4,146		2,368		618		250		190		407		—		9,530
30-89	—		35		71		22		6		1		5		—		140
90+/FC	—		—		—		—		—		—		—		—		—
	4,103		9,522		7,929		2,363		1,287		2,934		72,388		6,335		106,861

Total	$	184,495	$	1,122,186	$	1,452,300	$	1,622,110	$	886,526	$	2,585,414	$	112,322	$	6,335	$	7,971,688


	September 30, 2023
															Revolving
															Line of
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Year		Year		Year		Year		Year		Prior		Line of		Converted
	2023		2022		2021		2020		2019		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Current	$	318,211	$	598,283	$	875,563	$	567,975	$	253,546	$	1,407,090	$	—	$	—	$	4,020,668
30-89	358		898		644		1,437		820		5,960		—		—		10,117
90+/FC	292		155		—		—		209		1,587		—		—		2,243
Correspondent purchased
Current	346,084		518,650		608,573		247,346		62,652		643,739		—		—		2,427,044
30-89	308		—		1,069		564		449		2,862		—		—		5,252
90+/FC	—		—		—		—		—		3,454		—		—		3,454
Bulk purchased
Current	—		—		—		—		—		136,577		—		—		136,577
30-89	—		—		—		—		—		153		—		—		153
90+/FC	—		—		—		—		—		942		—		—		942
	665,253		1,117,986		1,485,849		817,322		317,676		2,202,364		—		—		6,606,450
Commercial:
Commercial real estate
Current	404,867		301,164		208,942		81,478		82,027		79,188		10,448		—		1,168,114
30-89	36		—		—		—		—		—		—		—		36
90+/FC	916		—		—		594		219		237		—		—		1,966
Commercial and industrial
Current	43,397		23,166		11,740		3,228		2,690		748		27,684		—		112,653
30-89	—		—		—		—		2		—		57		—		59
90+/FC	—		—		—		73		1		82		62		—		218
	449,216		324,330		220,682		85,373		84,939		80,255		38,251		—		1,283,046
Consumer:
Home equity
Current	5,428		5,631		1,955		990		746		2,195		71,986		6,312		95,243
30-89	73		39		—		79		—		50		239		125		605
90+/FC	—		—		—		—		—		15		81		11		107
Other
Current	4,737		2,613		765		338		132		129		412		—		9,126
30-89	17		80		22		4		1		—		—		1		125
90+/FC	6		—		—		—		—		—		—		—		6
	10,261		8,363		2,742		1,411		879		2,389		72,718		6,449		105,212

Total	$	1,124,730	$	1,450,679	$	1,709,273	$	904,106	$	403,494	$	2,285,008	$	110,969	$	6,449	$	7,994,708


															Revolving
															Lines
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		of Credit
	Fiscal		Year		Year		Year		Year		Prior		Lines of		Converted to
	Year		2023		2022		2021		2020		Years		Credit		Term		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Correspondent purchased	—		—		—		—		—		—		—		—		—
Bulk purchased	—		—		—		—		—		—		—		—		—
	—		—		—		—		—		—		—		—		—

Commercial:
Commercial real estate	—		—		—		—		—		—		—		—		—
Commercial and Industrial	—		—		—		—		—		—		—		—		—
	—		—		—		—		—		—		—		—		—

Consumer:
Home Equity	1		1		—		—		—		—		—		—		2
Other	—		5		—		—		—		—		—		—		5
	1		6		—		—		—		—		—		—		7

Total	$	1	$	6	$	—	$	—	$	—	$	—	$	—	$	—	$	7

Delinquent and Nonaccrual Loans - The following tables present the amortized cost, at the dates indicated, by class, of loans 30 to 89 days delinquent, loans 90 or more days delinquent or in foreclosure, total delinquent loans, current loans, and total loans. At December 31, 2023 and September 30, 2023, all loans 90 or more days delinquent were on nonaccrual status. The increase in correspondent and bulk purchased one- to four-family loans 30 to 89 days delinquent and in nonaccrual one- to four-family loans was due mainly to delinquencies returning to more historical levels as government payment assistance programs expired. The increase in commercial loans 30 to 89 days delinquent was a mix of several different borrowers and property types. There was not one underlying reason for the increase in commercial loan delinquencies from September 30, 2023. Management is working closely with the borrowers to address payment issues.


	December 31, 2023
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Amortized
	Delinquent		in Foreclosure		Loans		Loans		Cost
	(Dollars in thousands)
One- to four-family:
Originated	$	7,725	$	3,741	$	11,466	$	4,003,024	$	4,014,490
Correspondent purchased	6,140		4,225		10,365		2,379,535		2,389,900
Bulk purchased	587		942		1,529		133,440		134,969
Commercial:
Commercial real estate	3,574		1,116		4,690		1,207,114		1,211,804
Commercial and industrial	231		82		313		113,351		113,664
Consumer:
Home equity	627		116		743		96,448		97,191
Other	140		—		140		9,530		9,670
	$	19,024	$	10,222	$	29,246	$	7,942,442	$	7,971,688


	September 30, 2023
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Amortized
	Delinquent		in Foreclosure		Loans		Loans		Cost
	(Dollars in thousands)
One- to four-family:
Originated	$	10,117	$	2,243	$	12,360	$	4,020,668	$	4,033,028
Correspondent purchased	5,252		3,454		8,706		2,427,044		2,435,750
Bulk purchased	153		942		1,095		136,577		137,672
Commercial:
Commercial real estate	36		1,966		2,002		1,168,114		1,170,116
Commercial and industrial	59		218		277		112,653		112,930
Consumer:
Home equity	605		107		712		95,243		95,955
Other	125		6		131		9,126		9,257
	$	16,347	$	8,936	$	25,283	$	7,969,425	$	7,994,708

The amortized cost of mortgage loans secured by residential real estate properties for which formal foreclosure proceedings were in process as of December 31, 2023 and September 30, 2023 was $2.8 million and $2.5 million, respectively, which is included in loans 90 or more days delinquent or in foreclosure in the tables above. The carrying value of residential OREO held as a result of obtaining physical possession upon completion of a foreclosure or through completion of a deed in lieu of foreclosure was $444 thousand at December 31, 2023 and $219 thousand at September 30, 2023.


	December 31, 2023				September 30, 2023
	Nonaccrual Loans		Nonaccrual Loans with No ACL		Nonaccrual Loans		Nonaccrual Loans with No ACL
	(Dollars in thousands)
One- to four-family:
Originated	$	3,741	$	157	$	2,457	$	471
Correspondent purchased	4,225		—		3,739		285
Bulk purchased	942		630		942		630
Commercial:
Commercial real estate	1,135		446		1,984		446
Commercial and industrial	82		83		218		155
Consumer:
Home equity	116		—		107		3
Other	—		—		6		—
	$	10,241	$	1,316	$	9,453	$	1,990

Loan Modifications - The following table presents the amortized cost basis of loans as of December 31, 2023 that were both experiencing financial difficulties and modified during the three months ended December 31, 2023, by class of financing receivable and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers experiencing financial difficulties as compared to the amortized cost basis of each class of financing receivable is also presented below. During the three months ended December 31, 2023, the Company did not charge-off any amounts related to the loans presented in the table below. The Company has not committed to lend additional amounts to borrowers included in this table.


									Combination-				Total
									Term Extension				Class of
	Principal		Interest Rate		Payment		Term		and				Financing
	Forgiveness		Reduction		Delay		Extension		Payment Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	—	$	—	$	—	$	4,405	$	4,405	0.11	%
Correspondent	—		—		—		—		1,247		1,247		0.05
Purchased	—		—		—		—		—		—		—
	—		—		—		—		5,652		5,652		0.09
Commercial:
Commercial real estate	—		—		—		—		—		—		—
Commercial and industrial	—		—		—		—		—		—		—
	—		—		—		—		—		—		—
Consumer loans:
Home equity	—		—		—		—		—		—		—
Other	—		—		—		—		—		—		—
	—		—		—		—		—		—		—

Total	$	—	$	—	$	—	$	—	$	5,652	$	5,652	0.07

Financial effect of loan modifications - All loan modifications during the three months ended December 31, 2023 were a combination of term extensions and payment delays of one- to four-family originated loans or one- to four-family correspondent loans. The weighted average length of the term extensions was 23 months for one- to four-family originated loans and 12 months for one- to four-family correspondent loans. The weighted average payment delay was four months for both one- to four-family originated loans and one- to four-family correspondent loans.

Performance of loan modifications - None of the loans modified during the three months ended December 31, 2023 defaulted through December 31, 2023. The Company considers "default" to mean 90 days or more past due under the modified terms. Of the loans modified during the three months ended December 31, 2023, $231 thousand of one-to four-family originated loans were 30-89 days delinquent at December 31, 2023. All other loans modified during the three months ended December 31, 2023 were current at December 31, 2023.

TDRs - Prior to the adoption of ASU 2022-02 on October 1, 2023, loans were accounted for as TDRs if the Bank granted a concession to a borrower experiencing financial difficulties. There were no loans restructured during the three months ended December 31, 2022. During the three months ended December 31, 2022, there was one one-to four-family originated TDR with an amortized cost of $8 thousand that became delinquent within 12 months after being restructured.


	For the Three Months Ended December 31, 2023
	One- to Four-Family
			Correspondent		Bulk
	Originated		Purchased		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	2,149	$	2,972	$	207	$	5,328	$	18,180	$	251	$	23,759
Adoption of ASU 2022-02	3		1		14		18		2		—		20
Balance at October 1, 2023	2,152		2,973		221		5,346		18,182		251		23,779
Charge-offs	—		—		—		—		—		(7)		(7)
Recoveries	5		—		—		5		1		—		6
Provision for credit losses	(63)		(25)		(15)		(103)		495		8		400
Ending balance	$	2,094	$	2,948	$	206	$	5,248	$	18,678	$	252	$	24,178


	For the Three Months Ended December 31, 2022
	One- to Four-Family
			Correspondent		Bulk
	Originated		Purchased		Purchased		Total		Commercial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	2,066	$	2,734	$	206	$	5,006	$	11,120	$	245	$	16,371
Charge-offs	—		—		—		—		—		(4)		(4)
Recoveries	1		—		—		1		—		1		2
Provision for credit losses	92		253		10		355		2,464		1		2,820
Ending balance	$	2,159	$	2,987	$	216	$	5,362	$	13,584	$	243	$	19,189

The key assumptions in the Company's ACL model include the economic forecast, the forecast and reversion to mean time periods, and prepayment and curtailment assumptions. Management also considered certain qualitative factors when evaluating the adequacy of the ACL at December 31, 2023. The key assumptions utilized in estimating the Company's ACL at December 31, 2023 are discussed below.

•Economic Forecast - Management considered several economic forecasts provided by a third party and selected an economic forecast that was the most appropriate considering the facts and circumstances at December 31, 2023. The forecasted economic indices applied to the model at December 31, 2023 were the national unemployment rate, changes in commercial real estate price index, changes in home values, and changes in the U.S. gross domestic product. The economic index most impactful to all loan pools within the model at December 31, 2023 was the national unemployment rate. The forecasted national unemployment rate in the economic scenario selected by management at December 31, 2023 had the national unemployment rate gradually increasing to 4.0% by December 31, 2024, which was the end of our four-quarter forecast time period.