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Consolidated Statements Of Income - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
INTEREST AND DIVIDEND INCOME:        
Loans receivable $ 82,914 $ 76,803 $ 245,175 $ 228,866
Mortgage-backed securities ("MBS") 12,163 9,585 34,451 23,238
FHLB stock 2,197 2,477 6,834 7,591
Cash and cash equivalents 1,620 3,875 6,220 13,166
Investment securities 784 2,255 2,795 7,115
Total interest and dividend income 99,678 94,995 295,475 279,976
INTEREST EXPENSE:        
Deposits 35,860 36,233 109,058 102,091
Borrowings 18,360 18,438 54,889 56,648
Total interest expense 54,220 54,671 163,947 158,739
NET INTEREST INCOME 45,458 40,324 131,528 121,237
Provision for credit losses (451) 1,472 226 1,896
NET INTEREST INCOME AFTER PROVISION FOR CREDIT LOSSES 45,909 38,852 131,302 119,341
NON-INTEREST INCOME:        
Net loss from securities transactions 0 0 0 (13,345)
Other non-interest income 1,537 1,098 4,177 3,568
Total non-interest income 5,288 4,709 14,934 458
NON-INTEREST EXPENSE:        
Salaries and employee benefits 15,277 13,307 44,447 39,186
Information technology and related expense 5,163 5,364 14,637 15,687
Occupancy, net 3,270 3,263 10,105 10,116
Regulatory and outside services 1,261 1,322 3,843 4,345
Federal insurance premium 1,072 1,352 3,205 4,939
Advertising and promotional 1,453 951 3,035 3,210
Deposit and loan transaction costs 715 726 2,185 2,135
Office supplies and related expense 370 405 1,206 1,185
Other non-interest expense 983 1,260 3,589 4,100
Total non-interest expense 29,564 27,950 86,252 84,903
INCOME BEFORE INCOME TAX EXPENSE 21,633 15,611 59,984 34,896
INCOME TAX EXPENSE 3,251 5,963 10,772 8,943
NET INCOME $ 18,382 $ 9,648 $ 49,212 $ 25,953
Basic earnings per share ("EPS") $ 0.14 $ 0.07 $ 0.38 $ 0.20
Diluted EPS $ 0.14 $ 0.07 $ 0.38 $ 0.20
Basic weighted average common shares 130,081,065 129,866,397 130,026,451 130,923,888
Diluted weighted average common shares 130,081,065 129,866,397 130,026,451 130,923,888
Deposit service fees [Member]        
NON-INTEREST INCOME:        
Revenue from contracts with customers $ 2,867 $ 2,706 $ 8,170 $ 7,732
Insurance commissions [Member]        
NON-INTEREST INCOME:        
Revenue from contracts with customers $ 884 $ 905 $ 2,587 $ 2,503