CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2022	Sep. 30, 2021
ASSETS
Cash and non-interest-bearing deposits due from banks	$ 9,934	$ 8,302
Interest-bearing deposits due from banks	139,559	142,950
Federal funds sold	454	15,292
Total cash and cash equivalents	149,947	166,544
Securities:
Held to maturity (fair value of $4,095 and $8,865, respectively)	4,414	8,611
Available for sale, at fair value	12,285	7,747
Total securities	16,699	16,358
Loans held for investment	1,623,531	1,247,125
Allowance for loan losses	(12,844)	(8,552)
Loans held for investment, net	1,610,687	1,238,573
Premises and equipment, net	14,462	15,003
Accrued interest receivable	8,546	9,363
Prepaid pension	3,444	4,233
Stock in Federal Home Loan Bank ("FHLB"), at cost	6,280	3,714
Goodwill	19,168	19,168
Other intangible assets	399	480
Loan servicing rights	4,353	3,690
Deferred income taxes	2,508	3,558
Other assets	3,565	3,957
TOTAL ASSETS	1,840,058	1,484,641
Deposits:
Non-interest-bearing demand	219,225	191,537
Savings, NOW and money market	969,808	595,289
Time	339,073	377,836
Total deposits	1,528,106	1,164,662
Borrowings	101,752	159,642
Subordinated debentures	24,568	24,513
Accrued interest payable	915	1,290
Other liabilities	12,133	12,005
TOTAL LIABILITIES	1,667,474	1,362,112
COMMITMENTS AND CONTINGENT LIABILITIES
STOCKHOLDERS' EQUITY
Preferred stock (par value $0.01; 15,000,000 shares authorized; none issued)	0	0
Common stock (par value $0.01; 17,000,000 shares authorized; issued and outstanding 7,285,648 and 5,563,426, respectively)	73	56
Surplus	126,656	97,246
Retained earnings	46,475	24,971
Accumulated other comprehensive (loss) income, net of tax	(620)	256
TOTAL STOCKHOLDERS' EQUITY	172,584	122,529
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 1,840,058	$ 1,484,641