SEGMENT REPORTING

12 Months Ended

Sep. 30, 2024

Segment Reporting [Abstract]

SEGMENT REPORTING

SEGMENT REPORTING

An operating segment is generally defined as a component of a business for which discrete financial information is available and whose results are reviewed by the chief operating decision-maker. Operating segments are aggregated into reportable segments if certain criteria are met.

The Company reports its results of operations through the following three business segments: Consumer, Commercial, and Corporate Services/Other. The Partner Solutions business line is reported in the Consumer segment. The Commercial Finance business line is reported in the Commercial segment. The Corporate Services/Other segment includes certain shared services as well as treasury related functions such as the investment portfolio, warehouse finance, wholesale deposits, and borrowings.

The following tables present segment data for the Company:

	Fiscal Year Ended September 30, 2024
(Dollars in thousands)	Consumer		Commercial		Corporate Services/Other		Total
Net interest income	$	236,011	$	194,967	$	24,140	$	455,118
Provision for credit loss	26,950		15,571		140		42,661
Noninterest income	217,107		71,748		10,732		299,587
Noninterest expense	207,778		142,143		163,332		513,253
Income (loss) before income tax expense	218,390		109,001		(128,600)		198,791
Total assets	444,272		4,437,844		2,667,220		7,549,336
Total goodwill	87,145		222,360		—		309,505
Total deposits	5,643,228		10,935		220,922		5,875,085

	Fiscal Year Ended September 30, 2023
(Dollars in thousands)	Consumer		Commercial		Corporate Services/Other		Total
Net interest income	$	154,316	$	195,239	$	38,306	$	387,861
Provision for credit loss	38,920		18,384		50		57,354
Noninterest income	233,544		66,051		17,004		316,599
Noninterest expense	165,782		141,627		157,566		464,975
Income (loss) before income tax expense	183,158		101,279		(102,306)		182,131
Total assets	492,964		4,179,914		2,862,665		7,535,543
Total goodwill	87,145		222,360		—		309,505
Total deposits	6,376,467		5,958		206,757		6,589,182

	Fiscal Year Ended September 30, 2022
(Dollars in thousands)	Consumer		Commercial		Corporate Services/Other		Total
Net interest income	$	98,366	$	187,209	$	21,749	$	307,324
Provision for (reversal of) credit loss	30,680		14,674		(16,816)		28,538
Noninterest income	189,252		68,412		36,143		293,807
Noninterest expense	99,589		128,904		156,782		385,275
Income (loss) before income tax expense	157,349		112,043		(82,074)		187,318
Total assets	356,994		3,487,461		2,902,955		6,747,410
Total goodwill	87,145		222,360		—		309,505
Total deposits	5,695,776		8,965		161,296		5,866,037