Income Taxes (Tables)

12 Months Ended

Sep. 30, 2023

Income Tax Disclosure [Abstract]

Schedule of Major Sources of Temporary Differences and Deferred Tax Effects

The table below provides a summary of the Company's tax assets and liabilities, including deferred tax assets and deferred tax liabilities by major source. Deferred tax balances represent temporary differences between the financial statement and corresponding tax treatment of income, gains, losses, deductions or credits.

	September 30, 2023		September 30, 2022
	(In thousands)
Deferred tax assets
Allowance for credit losses	$	46,191	$	47,426
REO reserves	300		329
Non-accrual loan interest	1,797		1,104
Deferred compensation	2,901		6,841
Stock based compensation	3,089		2,636
Lease liability	5,367		6,207
Other	2,804		1,329
Total deferred tax assets	62,449		65,872
Deferred tax liabilities
FHLB stock dividends	9,741		9,826
Valuation adjustment on available-for-sale securities and cash flow hedges	13,933		15,765
Loan origination fees and costs	11,471		10,918
Premises and equipment	18,155		20,132
Lease right-of-use assets	4,841		5,992
Equity investments	4,244		5,323
Acquired intangibles	4,798		4,116
Other	483		25
Total deferred tax liabilities	67,666		72,097
Net deferred tax asset (liability)	(5,217)		(6,225)
Current tax asset (liability)	13,696		2,920
Net tax asset (liability)	$	8,479	$	(3,305)

Schedule of Effective Income Tax Rate Reconciliation

The table below presents a reconciliation of the statutory federal income tax rate to the Company's effective income tax rate.

Year ended September 30,	2023		2022		2021
Statutory income tax rate	21	%	21	%	21	%
State income tax	2		2		2
Other differences	(2)		(2)		(2)
Effective income tax rate	21	%	21	%	21	%

Schedule of Components of Income Tax Expense (Benefit)

The following table summarizes the Company's income tax expense (benefit) for the respective periods.

Year ended September 30,	2023		2022		2021
	(In thousands)
Federal:
Current	$	58,667	$	50,854	$	53,820
Deferred	3,334		7,187		(8,468)
	62,001		58,041		45,352
State:
Current	4,425		6,600		5,584
Deferred	1,224		(934)		(1,413)
	5,649		5,666		4,171
Total
Current	63,092		57,454		59,404
Deferred	4,558		6,253		(9,881)
	$	67,650	$	63,707	$	49,523