Loans Receivable And Allowance For Credit Losses (Tables)

9 Months Ended

Jun. 30, 2025

Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]

Summary of Loans Receivable

Loans receivable, net at the dates presented is summarized as follows:

	June 30, 2025		September 30, 2024
	(Dollars in thousands)
One- to four-family:
Originated	$	3,828,171	$	3,941,952
Correspondent purchased	2,058,749		2,212,587
Bulk purchased	116,706		127,161
Construction	14,860		22,970
Total	6,018,486		6,304,670
Commercial:
Commercial real estate	1,561,691		1,191,624
Commercial and industrial	184,390		129,678
Construction	165,760		187,676
Total	1,911,841		1,508,978
Consumer:
Home equity	103,564		99,988
Other	9,109		9,615
Total	112,673		109,603
Total loans receivable	8,043,000		7,923,251
Less:
ACL	22,808		23,035
Deferred loan fees/discounts	31,159		30,336
Premiums/deferred costs	(34,521)		(37,458)
	$	8,023,554	$	7,907,338

Credit Quality Indicators

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. Amortized cost is the amount of unpaid principal, net of undisbursed loan funds,

unamortized premiums and discounts, and deferred fees and costs. 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 June 30, 2025 and September 30, 2024, there were no loans classified as doubtful, and all loans classified as loss were fully charged-off. The commercial real estate substandard loan amount presented in the "Current Fiscal Year" column is primarily related to two loans in the same borrowing relationship. These two loans were also classified as nonaccrual at June 30, 2025. The commercial real estate substandard loan amount presented in the “Fiscal Year 2023” column is related to one loan that was classified during the current year period. All three loans noted above are recourse loans with a personal guaranty and have low LTVs. There have been no charge-offs with these three loans nor has management set aside a specific valuation allowance associated with these loans as of June 30, 2025 due to the low LTVs.

	June 30, 2025
															Revolving
															Line of
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Fiscal		Year		Year		Year		Year		Prior		Line of		Converted
	Year		2024		2023		2022		2021		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Pass	$	175,465	$	237,821	$	301,776	$	544,279	$	756,649	$	1,789,116	$	—	$	—	$	3,805,106
Special Mention	—		—		1,394		781		1,706		6,168		—		—		10,049
Substandard	—		—		1,656		568		323		11,201		—		—		13,748
Correspondent purchased
Pass	—		513		308,011		452,304		538,342		775,638		—		—		2,074,808
Special Mention	—		—		982		523		368		661		—		—		2,534
Substandard	—		—		—		616		268		4,635		—		—		5,519
Bulk purchased
Pass	—		—		—		—		—		114,837		—		—		114,837
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		2,257		—		—		2,257
	175,465		238,334		613,819		999,071		1,297,656		2,704,513		—		—		6,028,858
Commercial:
Commercial real estate
Pass	463,559		291,605		381,668		226,907		112,744		141,934		9,073		—		1,627,490
Special Mention	8,030		—		—		—		—		81		—		—		8,111
Substandard	39,962		142		41,548		—		108		2,961		50		—		84,771
Commercial and industrial
Pass	83,689		27,631		27,355		14,761		6,053		2,097		20,453		—		182,039
Special Mention	279		—		26		51		—		—		526		—		882
Substandard	—		227		—		97		—		82		795		—		1,201
	595,519		319,605		450,597		241,816		118,905		147,155		30,897		—		1,904,494
Consumer:
Home equity
Pass	4,443		5,994		3,813		3,906		1,180		2,292		73,800		7,887		103,315
Special Mention	—		—		20		—		—		—		257		88		365
Substandard	—		—		—		—		—		11		91		119		221
Other
Pass	3,449		2,231		1,592		1,021		233		65		416		—		9,007
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	9		37		14		42		—		—		—		—		102
	7,901		8,262		5,439		4,969		1,413		2,368		74,564		8,094		113,010
Total	$	778,885	$	566,201	$	1,069,855	$	1,245,856	$	1,417,974	$	2,854,036	$	105,461	$	8,094	$	8,046,362

	September 30, 2024
															Revolving
															Line of
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Year		Year		Year		Year		Year		Prior		Line of		Converted
	2024		2023		2022		2021		2020		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Pass	$	241,765	$	325,492	$	578,275	$	809,643	$	521,647	$	1,447,237	$	—	$	—	$	3,924,059
Special Mention	—		295		1,229		1,982		772		9,565		—		—		13,843
Substandard	—		658		49		468		1,398		9,571		—		—		12,144
Correspondent purchased
Pass	798		325,384		482,103		570,970		225,650		623,496		—		—		2,228,401
Special Mention	—		993		659		658		398		977		—		—		3,685
Substandard	—		—		1,662		265		—		5,130		—		—		7,057
Bulk purchased
Pass	—		—		—		—		—		124,076		—		—		124,076
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		3,514		—		—		3,514
	242,563		652,822		1,063,977		1,383,986		749,865		2,223,566		—		—		6,316,779
Commercial:
Commercial real estate
Pass	326,158		400,649		284,493		135,935		74,174		110,309		23,865		—		1,355,583
Special Mention	12,440		2,543		—		—		92		1,094		—		—		16,169
Substandard	142		827		—		—		647		636		50		—		2,302
Commercial and industrial
Pass	46,335		32,112		18,131		8,075		1,350		2,051		20,876		—		128,930
Special Mention	401		—		—		—		—		—		12		—		413
Substandard	227		—		—		—		—		82		26		—		335
	385,703		436,131		302,624		144,010		76,263		114,172		44,829		—		1,503,732
Consumer:
Home equity
Pass	7,331		4,377		4,575		1,437		814		2,127		73,020		5,895		99,576
Special Mention	—		—		—		—		—		—		45		281		326
Substandard	—		20		—		—		—		24		120		181		345
Other
Pass	4,112		2,737		1,697		385		101		95		346		—		9,473
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	80		14		44		—		4		—		—		—		142
	11,523		7,148		6,316		1,822		919		2,246		73,531		6,357		109,862
Total	$	639,789	$	1,096,101	$	1,372,917	$	1,529,818	$	827,047	$	2,339,984	$	118,360	$	6,357	$	7,930,373

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.

	June 30, 2025
															Revolving
															Line of
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Fiscal		Year		Year		Year		Year		Prior		Line of		Converted
	Year		2024		2023		2022		2021		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Current	$	175,465	$	237,821	$	303,716	$	544,376	$	758,421	$	1,797,349	$	—	$	—	$	3,817,148
30-89	—		—		1,110		998		149		7,333		—		—		9,590
90+/FC	—		—		—		254		108		1,803		—		—		2,165
Correspondent purchased
Current	—		513		308,273		452,731		538,846		777,904		—		—		2,078,267
30-89	—		—		720		335		132		1,643		—		—		2,830
90+/FC	—		—		—		377		—		1,387		—		—		1,764
Bulk purchased
Current	—		—		—		—		—		116,800		—		—		116,800
30-89	—		—		—		—		—		157		—		—		157
90+/FC	—		—		—		—		—		137		—		—		137
	175,465		238,334		613,819		999,071		1,297,656		2,704,513		—		—		6,028,858
Commercial:
Commercial real estate
Current	511,404		291,605		422,999		226,049		112,744		141,666		8,863		—		1,715,330
30-89	147		—		—		858		—		439		210		—		1,654
90+/FC	—		142		217		—		108		2,871		50		—		3,388
Commercial and industrial
Current	83,968		27,631		27,319		14,909		5,988		2,097		20,631		—		182,543
30-89	—		—		62		—		65		—		1,039		—		1,166
90+/FC	—		227		—		—		—		82		104		—		413
	595,519		319,605		450,597		241,816		118,905		147,155		30,897		—		1,904,494
Consumer:
Home equity
Current	4,443		5,942		3,833		3,753		1,180		2,242		73,935		7,939		103,267
30-89	—		52		—		153		—		55		139		126		525
90+/FC	—		—		—		—		—		6		74		29		109
Other
Current	3,390		2,208		1,572		1,047		233		65		416		—		8,931
30-89	59		23		20		8		—		—		—		—		110
90+/FC	9		37		14		8		—		—		—		—		68
	7,901		8,262		5,439		4,969		1,413		2,368		74,564		8,094		113,010
Total	$	778,885	$	566,201	$	1,069,855	$	1,245,856	$	1,417,974	$	2,854,036	$	105,461	$	8,094	$	8,046,362

	September 30, 2024
															Revolving
															Line of
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Year		Year		Year		Year		Year		Prior		Line of		Converted
	2024		2023		2022		2021		2020		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Current	$	241,765	$	326,211	$	578,430	$	811,455	$	521,550	$	1,459,500	$	—	$	—	$	3,938,911
30-89	—		64		1,074		638		1,666		5,422		—		—		8,864
90+/FC	—		170		49		—		601		1,451		—		—		2,271
Correspondent purchased
Current	798		326,377		482,598		571,182		226,048		624,961		—		—		2,231,964
30-89	—		—		164		446		—		2,479		—		—		3,089
90+/FC	—		—		1,662		265		—		2,163		—		—		4,090
Bulk purchased
Current	—		—		—		—		—		125,982		—		—		125,982
30-89	—		—		—		—		—		69		—		—		69
90+/FC	—		—		—		—		—		1,539		—		—		1,539
	242,563		652,822		1,063,977		1,383,986		749,865		2,223,566		—		—		6,316,779
Commercial:
Commercial real estate
Current	338,511		403,193		284,493		135,932		74,266		110,448		23,055		—		1,369,898
30-89	229		807		—		3		—		1,094		860		—		2,993
90+/FC	—		19		—		—		647		497		—		—		1,163
Commercial and industrial
Current	46,736		32,112		17,990		8,052		1,350		2,051		20,914		—		129,205
30-89	227		—		141		23		—		—		—		—		391
90+/FC	—		—		—		—		—		82		—		—		82
	385,703		436,131		302,624		144,010		76,263		114,172		44,829		—		1,503,732
Consumer:
Home equity
Current	7,331		4,378		4,540		1,437		814		2,133		72,721		6,084		99,438
30-89	—		—		35		—		—		—		349		87		471
90+/FC	—		19		—		—		—		18		115		186		338
Other
Current	4,109		2,728		1,641		327		101		95		344		—		9,345
30-89	3		9		100		58		—		—		2		—		172
90+/FC	80		14		—		—		4		—		—		—		98
	11,523		7,148		6,316		1,822		919		2,246		73,531		6,357		109,862
Total	$	639,789	$	1,096,101	$	1,372,917	$	1,529,818	$	827,047	$	2,339,984	$	118,360	$	6,357	$	7,930,373

Gross Charge-Offs - The following tables present gross charge-offs, for the periods indicated, by class of financing receivable for the year of origination or most recent credit decision.

	For the Nine Months Ended June 30, 2025
															Revolving
															Lines
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		of Credit
	Fiscal		Year		Year		Year		Year		Prior		Lines of		Converted to
	Year		2024		2023		2022		2021		Years		Credit		Term		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Correspondent purchased	—		—		—		—		—		—		—		—		—
Bulk purchased	—		—		—		—		—		113		—		—		113
	—		—		—		—		—		113		—		—		113
Commercial:
Commercial real estate	—		—		—		—		—		—		—		—		—
Commercial and industrial	—		—		—		—		—		—		—		—		—
	—		—		—		—		—		—		—		—		—
Consumer:
Home equity	35		12		—		—		—		—		—		—		47
Other	—		1		4		—		—		2		2		—		9
	35		13		4		—		—		2		2		—		56
Total	$	35	$	13	$	4	$	—	$	—	$	115	$	2	$	—	$	169

	For the Nine Months Ended June 30, 2024
															Revolving
															Lines
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		of Credit
	Year		Year		Year		Year		Year		Prior		Lines of		Converted to
	2024		2023		2022		2021		2020		Years		Credit		Term		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Correspondent purchased	—		—		—		—		—		—		—		—		—
Bulk purchased	—		—		—		—		—		—		—		—		—
	—		—		—		—		—		—		—		—		—
Commercial:
Commercial real estate	50		—		—		—		—		10		—		—		60
Commercial and industrial	—		—		—		—		—		—		—		—		—
	50		—		—		—		—		10		—		—		60
Consumer:
Home equity	14		1		—		—		—		—		—		—		15
Other	—		9		13		—		—		4		—		—		26
	14		10		13		—		—		4		—		—		41
Total	$	64	$	10	$	13	$	—	$	—	$	14	$	—	$	—	$	101

Delinquent 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 June 30, 2025 and September 30, 2024, all loans 90 or more days delinquent were on nonaccrual status.

	June 30, 2025
			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	$	9,590	$	2,165	$	11,755	$	3,817,148	$	3,828,903
Correspondent purchased	2,830		1,764		4,594		2,078,267		2,082,861
Bulk purchased	157		137		294		116,800		117,094
Commercial:
Commercial real estate	1,654		3,388		5,042		1,715,330		1,720,372
Commercial and industrial	1,166		413		1,579		182,543		184,122
Consumer:
Home equity	525		109		634		103,267		103,901
Other	110		68		178		8,931		9,109
	$	16,032	$	8,044	$	24,076	$	8,022,286	$	8,046,362

	September 30, 2024
			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	$	8,864	$	2,271	$	11,135	$	3,938,911	$	3,950,046
Correspondent purchased	3,089		4,090		7,179		2,231,964		2,239,143
Bulk purchased	69		1,539		1,608		125,982		127,590
Commercial:
Commercial real estate	2,993		1,163		4,156		1,369,898		1,374,054
Commercial and industrial	391		82		473		129,205		129,678
Consumer:
Home equity	471		338		809		99,438		100,247
Other	172		98		270		9,345		9,615
	$	16,049	$	9,581	$	25,630	$	7,904,743	$	7,930,373

Nonaccrual Loans

The following table presents the amortized cost at June 30, 2025 and September 30, 2024, by class, of loans classified as nonaccrual. Nonaccrual loans with no ACL were individually evaluated for loss and any losses have been charged-off. The increase in nonaccrual commercial real estate loans as of June 30, 2025 was due primarily to two loans that are related to the same borrowing relationship. The Bank entered into an agreement with the borrower which allows the borrower to not make payments on these two loans until later in calendar year 2025; therefore, these loans were considered nonaccrual at June 30, 2025.

	June 30, 2025				September 30, 2024
	Nonaccrual Loans		Nonaccrual Loans with No ACL		Nonaccrual Loans		Nonaccrual Loans with No ACL
	(Dollars in thousands)
One- to four-family:
Originated	$	2,165	$	889	$	2,271	$	764
Correspondent purchased	1,764		—		4,090		182
Bulk purchased	137		—		1,539		812
Commercial:
Commercial real estate	43,440		43,088		1,495		901
Commercial and industrial	511		511		335		335
Consumer:
Home equity	109		—		338		—
Other	68		14		98		16
	$	48,194	$	44,502	$	10,166	$	3,010

Modifications on Financing Receivables

Loan Modifications - The following tables present the amortized cost basis of loans, as of the dates indicated, that were both experiencing financial difficulties and modified during the periods noted, by class of financing receivable and by type of modification. Also presented in the tables is the percentage of the amortized cost basis of loans, at the dates indicated, that were modified to borrowers experiencing financial difficulties as compared to the amortized cost basis of each class of financing receivable during the periods noted. During the three and nine months ended June 30, 2025, there were no charge-offs related to loans modified during those periods. During the three and nine months ended June 30, 2024, there was a $50 thousand charge-off related to a commercial real estate loan that was modified during the three months ended June 30, 2024. The Company has not committed to lend additional amounts to borrowers included in these tables. The commercial real estate payment delay modifications during the three and nine-months ended June 30, 2025 were due primarily to two loans where the Bank entered into an agreement with the borrower which allows the borrower to not make payments until later in calendar year 2025. These two commercial real estate loans were classified as substandard and nonaccrual at June 30, 2025.

	For the Three Months Ended June 30, 2025
					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	340	$	3,110	$	1,645	$	5,095	0.13	%
Correspondent purchased	—		—		523		523		0.03
Bulk purchased	—		—		—		—		—
	340		3,110		2,168		5,618		0.09
Commercial:
Commercial real estate	39,962		—		—		39,962		2.32
Commercial and industrial	—		691		—		691		0.38
	39,962		691		—		40,653		2.13
Consumer loans:
Home equity	—		—		—		—		—
Other	—		—		—		—		—
	—		—		—		—		—
Total	$	40,302	$	3,801	$	2,168	$	46,271	0.58

	For the Nine Months Ended June 30, 2025
					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	470	$	4,455	$	2,271	$	7,196	0.19	%
Correspondent purchased	—		—		710		710		0.03
Bulk purchased	—		—		—		—		—
	470		4,455		2,981		7,906		0.13
Commercial:
Commercial real estate	47,912		—		—		47,912		2.78
Commercial and industrial	—		994		—		994		0.54
	47,912		994		—		48,906		2.57
Consumer loans:
Home equity	20		35		—		55		0.05
Other	—		—		—		—		—
	20		35		—		55		0.05
Total	$	48,402	$	5,484	$	2,981	$	56,867	0.71

	For the Three Months Ended June 30, 2024
			Term
			Extension				Total
			and				Class of
	Term		Payment				Financing
	Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	623	$	59	$	682	0.02	%
Correspondent purchased	—		—		—		—
Bulk purchased	—		—		—		—
	623		59		682		0.01
Commercial:
Commercial real estate	—		—		—		—
Commercial and industrial	—		30		30		0.02
	—		30		30		—
Consumer loans:
Home equity	—		—		—		—
Other	—		—		—		—
	—		—		—		—
Total	$	623	$	89	$	712	0.01

	For the Nine Months Ended June 30, 2024
			Term
			Extension				Total
			and				Class of
	Term		Payment				Financing
	Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	623	$	7,114	$	7,737	0.19	%
Correspondent purchased	—		1,731		1,731		0.08
Bulk purchased	—		—		—		—
	623		8,845		9,468		0.15
Commercial:
Commercial real estate	—		192		192		0.01
Commercial and industrial	—		486		486		0.37
	—		678		678		0.05
Consumer loans:
Home equity	—		—		—		—
Other	—		—		—		—
	—		—		—		—
Total	$	623	$	9,523	$	10,146	0.13

Financial effect of loan modifications - The tables below present the financial effect of loan modifications during the three and nine months ended June 30, 2025 and 2024, including the weighted average payment delay and weighted average term extension.

	For the Three Months Ended June 30, 2025		For the Nine Months Ended June 30, 2025
	Payment	Term	Payment	Term
	Delay	Extension	Delay	Extension
One- to four-family:
Originated	8 months	26 months	8 months	23 months
Correspondent purchased	8 months	27 months	8 months	44 months
Commercial:
Commercial real estate	8 months	N/A	8 months	N/A
Commercial and industrial	N/A	6 months	N/A	5 months
Consumer:
Consumer home equity	N/A	N/A	7 months	14 months

	For the Three Months Ended June 30, 2024		For the Nine Months Ended June 30, 2024
	Payment	Term	Payment	Term
	Delay	Extension	Delay	Extension
One- to four-family:
Originated	8 months	20 months	4 months	31 months
Correspondent purchased	N/A	N/A	4 months	17 months
Commercial:
Commercial real estate	N/A	N/A	24 months	24 months
Commercial and industrial	6 months	9 months	6 months	6 months

Modifications, Past Due

Performance of loan modifications - The Company closely monitors the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans, based on amortized cost, by class of financing receivable as of June 30, 2025, on loans modified during the previous 12-months for borrowers experiencing financial difficulty that were delinquent as of June 30, 2025, or as of June 30, 2024 on loans modified on or after October 1, 2023 (the day the Company adopted ASU 2022-02) through June 30, 2024 for borrowers experiencing financial difficulty, that were delinquent as of June 30, 2024. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of June 30, 2025 and June 30, 2024.

	As of June 30, 2025						As of June 30, 2024
	30 to 89 Days Delinquent		90 or More Days Delinquent or in Foreclosure		Total Delinquent Loans		30 to 89 Days Delinquent		90 or More Days Delinquent or in Foreclosure		Total Delinquent Loans
	(Dollars in thousands)
One- to four-family:
Originated	$	1,610	$	193	$	1,803	$	1,847	$	205	$	2,052
Correspondent purchased	—		—		—		182		—		182
Bulk purchased	—		—		—		—		—		—
Commercial:
Commercial real estate	—		—		—		50		—		50
Commercial and industrial	994		—		994		—		—		—
Consumer loans:
Home equity	86		—		86		—		—		—
Other	—		—		—		—		—		—
	$	2,690	$	193	$	2,883	$	2,079	$	205	$	2,284

Modifications, Subsequent Default

The following tables present the amortized cost basis of loans that had a payment default during the three and nine months ended June 30, 2025 and were modified to borrowers experiencing financial difficulty in the 12-months prior to the default date, or loans that had a payment default during the three and nine months ended June 30, 2024 and were modified to borrowers experiencing financial difficulty on or after October 1, 2023 (the day the Company adopted ASU 2022-02) prior to the default date, by class of financing receivable and by type of modification. The Company considers "default" to mean 90 days or more past due under the modified terms.

	For the Three Months Ended June 30, 2025		For the Nine Months Ended June 30, 2025
							Term
							Extension
							and
	Term		Payment		Term		Payment
	Extension		Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	193	$	82	$	193	$	148	$	423
Correspondent purchased	—		—		—		426		426
Bulk purchased	—		—		—		—		—
Commercial:
Commercial real estate	—		—		—		192		192
Commercial and industrial	—		—		—		227		227
Consumer loans:
Home equity	—		85		—		—		85
Other	—		—		—		—		—
	$	193	$	167	$	193	$	993	$	1,353

	For the Three Months Ended June 30, 2024		For the Nine Months Ended June 30, 2024
	Term		Term
	Extension		Extension
	and		and
	Payment		Payment
	Delay		Delay
	(Dollars in thousands)
One- to four-family:
Originated	$	188	$	205
Correspondent purchased	—		—
Bulk purchased	—		—
Commercial:
Commercial real estate	—		—
Commercial and industrial	—		—
Consumer loans:
Home equity	—		—
Other	—		—
	$	188	$	205

Allowance for Credit Losses

The following tables summarize ACL activity, by loan portfolio segment, for the periods presented.

	For the Three Months Ended June 30, 2025
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	3,562	$	19,005	$	1,171	$	232	$	23,970
Charge-offs	—		—		—		(29)		(29)
Recoveries	2		—		1		1		4
Provision for credit losses	(32)		(2,407)		1,269		33		(1,137)
Ending balance	$	3,532	$	16,598	$	2,441	$	237	$	22,808

	For the Nine Months Ended June 30, 2025
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	3,673	$	17,968	$	1,186	$	208	$	23,035
Charge-offs	(113)		—		—		(56)		(169)
Recoveries	7		20		3		7		37
Provision for credit losses	(35)		(1,390)		1,252		78		(95)
Ending balance	$	3,532	$	16,598	$	2,441	$	237	$	22,808

	For the Three Months Ended June 30, 2024
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	5,060	$	18,311	$	1,019	$	244	$	24,634
Charge-offs	—		(50)		—		(26)		(76)
Recoveries	17		—		2		—		19
Provision for credit losses	(271)		1,401		113		34		1,277
Ending balance	$	4,806	$	19,662	$	1,134	$	252	$	25,854

	For the Nine Months Ended June 30, 2024
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	5,328	$	17,076	$	1,104	$	251	$	23,759
Adoption of ASU 2022-02	18		—		2		—		20
Balance at October 1, 2023	5,346		17,076		1,106		251		23,779
Charge-offs	—		(60)		—		(41)		(101)
Recoveries	25		—		3		15		43
Provision for credit losses	(565)		2,646		25		27		2,133
Ending balance	$	4,806	$	19,662	$	1,134	$	252	$	25,854

At June 30, 2025 and September 30, 2024, the Bank's off-balance sheet credit exposures totaled $875.6 million and $826.5 million, respectively.

The following table summarizes the change in reserve for off-balance sheet credit exposures during the periods indicated. The provision for the three months ended June 30, 2025 was due primarily to an increase in the balance of commercial and industrial off-balance sheet credit exposures. The increase in the reserve for off-balance sheet credit exposures as of June 30, 2025 compared to June 30, 2024 was due primarily to an increase in commercial real estate and commercial and industrial off-balance sheet credit exposures between periods.

	For the Three Months Ended				For the Nine Months Ended
	June 30, 2025		June 30, 2024		June 30, 2025		June 30, 2024
	(Dollars in thousands)
Beginning balance	$	5,638	$	3,679	$	6,003	$	4,095
Adoption of ASU 2022-02	—		—		—		16
Provision for credit losses	686		195		321		(237)
Ending balance	$	6,324	$	3,874	$	6,324	$	3,874