v3.25.4

Fair Value (Tables) | 3 Months Ended
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Dec. 31, 2025
Fair Value Disclosures [Abstract] |
Fair Value Of Assets And Liabilities Measured On Recurring Basis | Assets and liabilities carried at fair value on a recurring basis in the CONSOLIDATED STATEMENTS OF CONDITION at December 31, 2025 and September 30, 2025, are summarized below.
|  |  | Recurring Fair Value Measurements at Reporting Date Using
| December 31, 2025 |  | Quoted Prices in Active Markets for Identical Assets |  | Significant Other Observable Inputs |  | Significant Unobservable Inputs
|  | (Level 1) |  | (Level 2) |  | (Level 3)
Assets |  |  |  |  |  |  |
Investment securities available for sale: |  |  |  |  |  |  |
REMICs | $ | 439,251 |  |  | $ | — |  |  | $ | 439,251 |  |  | $ | — |
Fannie Mae certificates | 2,689 |  |  | — |  |  | 2,689 |  |  | — |
Freddie Mac securities | 8,604 |  |  | — |  |  | 8,604 |  |  | — |
U.S. government and agency obligations | 3,949 |  |  | — |  |  | 3,949 |  |  | — |
Mortgage loans held for sale | 11,365 |  |  | — |  |  | 11,365 |  |  | — |
Derivatives: |  |  |  |  |  |  |
Interest rate lock commitments | — |  |  | — |  |  | — |  |  | — |
Total | $ | 465,858 |  |  | $ | — |  |  | $ | 465,858 |  |  | $ | — |
Liabilities |  |  |  |  |  |  |
Derivatives: |  |  |  |  |  |  |
Forward commitments for the sale of mortgage loans | $ | 63 |  |  | $ | — |  |  | $ | 63 |  |  | $ | — |
Total | $ | 63 |  |  | $ | — |  |  | $ | 63 |  |  | $ | — |
|  |  | Recurring Fair Value Measurements at Reporting Date Using
| September 30, 2025 |  | Quoted Prices in Active Markets for Identical Assets |  | Significant Other Observable Inputs |  | Significant Unobservable Inputs
|  | (Level 1) |  | (Level 2) |  | (Level 3)
Assets |  |  |  |  |  |  |
Investment securities available for sale: |  |  |  |  |  |  |
REMICs | $ | 455,368 |  |  | $ | — |  |  | $ | 455,368 |  |  | $ | — |
Fannie Mae certificates | 2,719 |  |  | — |  |  | 2,719 |  |  | — |
Freddie Mac certificates | 8,617 |  |  | — |  |  | 8,617 |  |  | — |
U.S. government and agency obligations | 53,955 |  |  | — |  |  | 53,955 |  |  | — |
Mortgage loans held for sale | 22,861 |  |  | — |  |  | 22,861 |  |  | — |
Derivatives: |  |  |  |  |  |  |
Interest rate lock commitments | 272 |  |  | — |  |  | — |  |  | 272 |
Total | $ | 543,792 |  |  | $ | — |  |  | $ | 543,520 |  |  | $ | 272 |
Liabilities |  |  |  |  |  |  |
Derivatives: |  |  |  |  |  |  |
Forward commitments for the sale of mortgage loans | $ | 351 |  |  | $ | — |  |  | $ | 351 |  |  | $ | — |
Total | $ | 351 |  |  | $ | — |  |  | $ | 351 |  |  | $ | — |
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation | The table below presents a reconciliation of the beginning and ending balances and the location within the CONSOLIDATED STATEMENTS OF INCOME where gains (losses) due to changes in fair value are recognized on interest rate lock commitments which are measured at fair value on a recurring basis using significant unobservable inputs (Level 3).
|  |  | Three Months Ended December 31,
|  |  |  |  | 2025 |  | 2024
Beginning balance |  |  |  |  | $ | 272 |  |  | $ | 395 |
Gain during the period due to changes in fair value: |  |  |  |  |  |  |
Included in other non-interest income |  |  |  |  | (272) |  |  | (369) |
Ending balance |  |  |  |  | $ | — |  |  | $ | 26 |
Change in unrealized gains for the period included in earnings for assets held at end of the reporting date |  |  |  |  | $ | — |  |  | $ | 26 |
Assets Measured At Fair Value On A Nonrecurring Basis | Summarized in the tables below are those assets measured at fair value on a nonrecurring basis.
|  |  | Nonrecurring Fair Value Measurements at Reporting Date Using
| December 31, 2025 |  | Quoted Prices in Active Markets for Identical Assets |  | Significant Other Observable Inputs |  | Significant Unobservable Inputs
|  | (Level 1) |  | (Level 2) |  | (Level 3)
Collateral-dependent loans, net of allowance | $ | 44,582 |  |  | $ | — |  |  | $ | — |  |  | $ | 44,582 |
Real estate owned(1) | 2,413 |  |  | — |  |  | — |  |  | 2,413 |
Total | $ | 46,995 |  |  | $ | — |  |  | $ | — |  |  | $ | 46,995 |
|  |  | Nonrecurring Fair Value Measurements at Reporting Date Using |  |
| September 30, 2025 |  | Quoted Prices in Active Markets for Identical Assets |  | Significant Other Observable Inputs |  | Significant Unobservable Inputs |  |
|  | (Level 1) |  | (Level 2) |  | (Level 3) |  |
Collateral-dependent loans, net of allowance | $ | 45,275 |  |  | $ | — |  |  | $ | — |  |  | $ | 45,275 |  |  |
Real estate owned(1) | 2,355 |  |  | — |  |  | — |  |  | 2,355 |  |  |
Total | $ | 47,630 |  |  | $ | — |  |  | $ | — |  |  | $ | 47,630 |  |  |
(1)Amounts represent fair value measurements of properties before deducting estimated costs to dispose.
Fair Value Inputs, Assets, Quantitative Information | The following provides quantitative information about significant unobservable inputs categorized within Level 3 of the Fair Value Hierarchy.
|  | Fair Value |  |  |  |  |  |  |  |  |  |
|  | December 31, 2025 |  | Valuation Technique(s) |  | Unobservable Input |  | Range |  | Weighted Average
Collateral-dependent loans, net of allowance |  | $44,582 |  | Market comparables of collateral discounted to estimated net proceeds |  | Discount appraised value to estimated net proceeds based on historical experience: |  |  |  |  |  |
|  | • Residential Properties |  | 0 | - | 28% |  | 3.5%
|  | Fair Value |  |  |  |  |  |  |  |  |  |
|  | September 30, 2025 |  | Valuation Technique(s) |  | Unobservable Input |  | Range |  | Weighted Average
Collateral-dependent loans, net of allowance |  | $45,275 |  | Market comparables of collateral discounted to estimated net proceeds |  | Discount appraised value to estimated net proceeds based on historical experience: |  |  |  |  |  |
|  | • Residential Properties |  | 0 | - | 28% |  | 3.2%
Interest rate lock commitments |  | $272 |  | Quoted Secondary Market pricing |  | Closure rate |  | 0 | - | 100% |  | 98.7%
Estimated Fair Value Of Financial Instruments | The following tables present the estimated fair value of the Company’s financial instruments and their carrying amounts as reported in the CONSOLIDATED STATEMENTS OF CONDITION.
| December 31, 2025
| Carrying |  | Fair |  | Level 1 |  | Level 2 |  | Level 3
| Amount |  | Value |  |  |
Assets: |  |  |  |  |  |  |  |  |
Cash and due from banks | $ | 26,722 |  |  | $ | 26,722 |  |  | $ | 26,722 |  |  | $ | — |  |  | $ | — |
Interest-earning cash equivalents | 429,987 |  |  | 429,987 |  |  | 429,987 |  |  | — |  |  | — |
Investment securities available for sale | 454,493 |  |  | 454,493 |  |  | — |  |  | 454,493 |  |  | — |
Mortgage loans held for sale | 14,440 |  |  | 14,488 |  |  | — |  |  | 14,488 |  |  | — |
Loans, net: |  |  |  |  |  |  |  |  |
Mortgage loans held for investment | 15,733,173 |  |  | 14,678,418 |  |  | — |  |  | — |  |  | 14,678,418 |
Other loans | 8,515 |  |  | 8,515 |  |  | — |  |  | — |  |  | 8,515 |
Federal Home Loan Bank stock | 234,027 |  |  | 234,027 |  |  | N/A |  | — |  |  | — |
Accrued interest receivable | 60,295 |  |  | 60,295 |  |  | — |  |  | 60,295 |  |  | — |
Cash collateral received from or held by counterparty | 58,809 |  |  | 58,809 |  |  | 58,809 |  |  | — |  |  | — |
Derivatives | — |  |  | — |  |  | — |  |  | — |  |  | — |
Liabilities: |  |  |  |  |  |  |  |  |
Checking and savings accounts | $ | 2,374,992 |  |  | $ | 2,374,992 |  |  | $ | — |  |  | $ | 2,374,992 |  |  | $ | — |
Certificates of deposit | 7,997,083 |  |  | 8,014,295 |  |  | — |  |  | 8,014,295 |  |  | — |
Borrowed funds | 4,939,835 |  |  | 4,968,266 |  |  | — |  |  | 4,968,266 |  |  | — |
Borrowers’ advances for insurance and taxes | 133,606 |  |  | 133,606 |  |  | — |  |  | 133,606 |  |  | — |
Principal, interest and escrow owed on loans serviced | 42,256 |  |  | 42,256 |  |  | — |  |  | 42,256 |  |  | — |
Derivatives | 63 |  |  | 63 |  |  | — |  |  | 63 |  |  | — |
| September 30, 2025
| Carrying |  | Fair |  | Level 1 |  | Level 2 |  | Level 3
| Amount |  | Value |  |  |
Assets: |  |  |  |  |  |  |  |  |
Cash and due from banks | $ | 24,176 |  |  | $ | 24,176 |  |  | $ | 24,176 |  |  | $ | — |  |  | $ | — |
Interest-earning cash equivalents | 405,263 |  |  | 405,263 |  |  | 405,263 |  |  | — |  |  | — |
Investment securities available for sale | 520,659 |  |  | 520,659 |  |  | — |  |  | 520,659 |  |  | — |
Mortgage loans held for sale | 57,662 |  |  | 58,325 |  |  | — |  |  | 58,325 |  |  | — |
Loans, net: |  |  |  |  |  |  |  |  |
Mortgage loans held for investment | 15,655,159 |  |  | 14,564,394 |  |  | — |  |  | — |  |  | 14,564,394 |
Other loans | 8,153 |  |  | 8,153 |  |  | — |  |  | — |  |  | 8,153 |
Federal Home Loan Bank stock | 235,363 |  |  | 235,363 |  |  | N/A |  | — |  |  | — |
Accrued interest receivable | 62,553 |  |  | 62,553 |  |  | — |  |  | 62,553 |  |  | — |
Cash collateral received from or held by counterparty | 6,910 |  |  | 6,910 |  |  | 6,910 |  |  | — |  |  | — |
Derivatives | 272 |  |  | 272 |  |  | — |  |  | — |  |  | 272 |
Liabilities: |  |  |  |  |  |  |  |  |
Checking and savings accounts | $ | 1,957,745 |  |  | $ | 1,957,745 |  |  | $ | — |  |  | $ | 1,957,745 |  |  | $ | — |
Certificates of deposit | 8,489,223 |  |  | 8,511,443 |  |  | — |  |  | 8,511,443 |  |  | — |
Borrowed funds | 4,870,219 |  |  | 4,892,273 |  |  | — |  |  | 4,892,273 |  |  | — |
Borrowers’ advances for insurance and taxes | 113,168 |  |  | 113,168 |  |  | — |  |  | 113,168 |  |  | — |
Principal, interest and escrow owed on loans serviced | 30,328 |  |  | 30,328 |  |  | — |  |  | 30,328 |  |  | — |
Derivatives | 351 |  |  | 351 |  |  | — |  |  | 351 |  |  | — |

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- Definition Tabular disclosure of input and valuation technique used to measure fair value and change in valuation approach and technique for each separate class of asset and liability measured on recurring and nonrecurring basis. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (bbb)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 103 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482078/820-10-55-103 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (bbb)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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- Definition Tabular disclosure of assets and liabilities by class, including financial instruments measured at fair value that are classified in shareholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). Disclosures may include, but are not limited to: (a) the fair value measurements recorded and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements are categorized in their entirety (levels 1, 2, 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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- Definition Tabular disclosure of the fair value measurement of assets using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (1) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets) and gains or losses recognized in other comprehensive income (loss), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (2) purchases, sales, issues, and settlements (each type disclosed separately); and (3) transfers in and transfers out of Level 3 (for example, transfers due to changes in the observability of significant inputs), by class of asset. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 55 -Paragraph 101 -Publisher FASB -URI https://asc.fasb.org/1943274/2147482078/820-10-55-101 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 3 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-3 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (c) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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- Definition Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3). + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 820 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147482106/820-10-50-2 + Details
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