v3.25.4

Loans And Allowance For Credit Losses (Tables)

3 Months Ended

Dec. 31, 2025

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable

Loans held for investment consist of the following:

						December 31, 2025						September 30, 2025
Real estate loans:
Residential Core						$	10,649,895					$	10,803,813
Residential Home Today						34,772						35,933
Home equity lines of credit						4,238,904						4,062,798
Home equity loans						809,425						749,548
Construction						12,928						12,302
Real estate loans						15,745,924						15,664,394
Other loans						8,515						8,153
Add (deduct):
Deferred loan expenses, net						70,317						69,943
Loans in process						(8,084)						(4,934)
Allowance for credit losses on loans						(74,984)						(74,244)
Loans held for investment, net						$	15,741,688					$	15,663,312

Schedule Of Recorded Investment Of Loan Receivables That Are Past Due

An aging analysis of the amortized cost in loan receivables that are past due at December 31, 2025 and September 30, 2025, is summarized in the following tables. When a loan is more than one month past due on its scheduled payments, the loan is considered 30 days or more past due, regardless of the number of days in each month.

			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due						Current						Total
December 31, 2025
Real estate loans:
Residential Core			$	7,841					$	2,339					$	10,461					$	20,641					$	10,655,822					$	10,676,463
Residential Home Today			845						354						714						1,913						32,410						34,323
Home equity lines of credit			5,406						1,406						5,075						11,887						4,265,053						4,276,940
Home equity loans			904						487						1,072						2,463						813,221						815,684
Construction			—						—						—						—						4,747						4,747
Total real estate loans			14,996						4,586						17,322						36,904						15,771,253						15,808,157
Other loans			—						—						—						—						8,515						8,515
Total			$	14,996					$	4,586					$	17,322					$	36,904					$	15,779,768					$	15,816,672

			30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due						Current						Total
September 30, 2025
Real estate loans:
Residential Core			$	6,494					$	2,855					$	10,470					$	19,819					$	10,810,686					$	10,830,505
Residential Home Today			752						266						560						1,578						33,893						35,471
Home equity lines of credit			4,791						1,382						5,296						11,469						4,089,196						4,100,665
Home equity loans			511						339						935						1,785						753,705						755,490
Construction			—						—						—						—						7,272						7,272
Total real estate loans			12,548						4,842						17,261						34,651						15,694,752						15,729,403
Other loans			—						—						—						—						8,153						8,153
Total			$	12,548					$	4,842					$	17,261					$	34,651					$	15,702,905					$	15,737,556

Schedule Of Recorded Investment Of Loan Receivables In Non-Accrual Status

The amortized cost of loan receivables in non-accrual status is summarized in the following table. Non-accrual with no ACL describes non-accrual loans which have no quantitative allowance, primarily because they have already been subject to collateral review and any required charge-offs have been taken, but may be included in consideration of qualitative allowance factors. There are no loans 90 or more days past due and still accruing at December 31, 2025 or September 30, 2025.

			December 31, 2025												September 30, 2025
			Non-accrual with No ACL						Total Non-accrual						Non-accrual with No ACL						Total Non-accrual
Real estate loans:
Residential Core			$	19,214					$	23,293					$	18,861					$	23,041
Residential Home Today			2,774						2,868						2,858						3,032
Home equity lines of credit			9,348						10,949						10,071						11,141
Home equity loans			1,657						1,864						1,280						1,492
Total non-accrual loans			$	32,993					$	38,974					$	33,070					$	38,706

Schedule Of The Allowance For Loan Losses

			For the Three Months Ended December 31, 2025
			Beginning Balance												Provisions (Releases)						Charge-offs						Recoveries						Ending Balance
Real estate loans:
Residential Core			$	39,939											$	(1,728)					$	(15)					$	169					$	38,365
Residential Home Today			(2,438)												(150)						(36)						485						(2,139)
Home equity lines of credit			22,069												756						(260)						480						23,045
Home equity loans			14,645												1,181						(137)						12						15,701
Construction			29												(17)						—						—						12
Total real estate loans			$	74,244											$	42					$	(448)					$	1,146					$	74,984
Total Unfunded Loan Commitments (1)			$	30,116											$	(1,042)					$	—					$	—					$	29,074
Total Allowance for Credit Losses			$	104,360											$	(1,000)					$	(448)					$	1,146					$	104,058

(1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit.

			For the Three Months Ended December 31, 2024
			Beginning Balance												Provisions (Releases)						Charge-offs						Recoveries						Ending Balance
Real estate loans:
Residential Core			$	44,402											$	(2,444)					$	(1)					$	519					$	42,476
Residential Home Today			(2,672)												(336)						—						479						(2,529)
Home equity lines of credit			16,590												1,162						(316)						758						18,194
Home equity loans			11,642												724						—						9						12,375
Construction			40												3						—						—						43
Total real estate loans			$	70,002											$	(891)					$	(317)					$	1,765					$	70,559
Total Unfunded Loan Commitments (1)			$	27,811											$	(609)					$	—					$	—					$	27,202
Total Allowance for Credit Losses			$	97,813											$	(1,500)					$	(317)					$	1,765					$	97,761

(1) For all periods presented, the total allowance for unfunded loan commitments is recognized in accrued expenses and other liabilities on the CONSOLIDATED STATEMENTS OF CONDITION and primarily relates to undrawn home equity lines of credit.

Schedule Of Credit Quality Of Residential Loan Receivables By An Internally Assigned Grade

The following tables provide the amortized cost and information about the credit quality of residential loan receivables by an internally assigned grade as of the dates presented. Revolving loans reported at amortized cost include home equity lines of credit currently in their draw period. Revolving loans converted to term are home equity lines of credit that are in repayment. Loans, or the portions of loans, classified as loss are fully charged-off in the period in which they are determined to be uncollectible; therefore they are not included in the following tables. No Home Today loans are classified Special Mention and all construction loans are classified Pass for both periods presented.

																					Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term
			By fiscal year of origination
			2026			2025			2024			2023			2022			Prior									Total
December 31, 2025
Real estate loans:
Residential Core
Pass			$	261,832		$	665,391		$	443,269		$	1,332,395		$	2,595,383		$	5,347,634		$	—		$	—		$	10,645,904
Special Mention			—			—			—			—			—			577			—			—			577
Substandard			—			—			157			1,313			4,425			24,087			—			—			29,982
Total Residential Core			261,832			665,391			443,426			1,333,708			2,599,808			5,372,298			—			—			10,676,463
Residential Home Today (1)
Pass			—			—			—			—			—			31,051			—			—			31,051
Substandard			—			—			—			—			—			3,272			—			—			3,272
Total Residential Home Today			—			—			—			—			—			34,323			—			—			34,323
Home equity lines of credit
Pass			—			—			—			—			—			—			4,204,294			51,558			4,255,852
Special Mention			—			—			—			—			—			—			5,932			269			6,201
Substandard			—			—			—			—			—			—			10,165			4,722			14,887
Total Home equity lines of credit			—			—			—			—			—			—			4,220,391			56,549			4,276,940
Home equity loans
Pass			118,375			290,501			218,667			117,346			40,945			26,205			—			—			812,039
Special Mention			—			248			423			499			47			9			—			—			1,226
Substandard			—			180			317			1,404			241			277			—			—			2,419
Total Home equity loans			118,375			290,929			219,407			119,249			41,233			26,491			—			—			815,684
Total Construction			1,268			3,479			—			—			—			—			—			—			4,747
Total real estate loans
Pass			381,475			959,371			661,936			1,449,741			2,636,328			5,404,890			4,204,294			51,558			15,749,593
Special Mention			—			248			423			499			47			586			5,932			269			8,004
Substandard			—			180			474			2,717			4,666			27,636			10,165			4,722			50,560
Total real estate loans			$	381,475		$	959,799		$	662,833		$	1,452,957		$	2,641,041		$	5,433,112		$	4,220,391		$	56,549		$	15,808,157

(1) No new originations of Home Today loans since fiscal year 2016.

																					Revolving Loans Amortized Cost Basis			Revolving Loans Converted To Term
			By fiscal year of origination
			2025			2024			2023			2022			2021			Prior									Total
September 30, 2025
Real estate loans:
Residential Core
Pass			$	757,380		$	468,343		$	1,373,019		$	2,660,389		$	1,626,170		$	3,914,125		$	—		$	—		$	10,799,426
Special Mention			—			—			—			—			—			666			—			—			666
Substandard			—			161			2,024			4,000			3,040			21,188			—			—			30,413
Total Residential Core			757,380			468,504			1,375,043			2,664,389			1,629,210			3,935,979			—			—			10,830,505
Residential Home Today (1)
Pass			—			—			—			—			—			31,936			—			—			31,936
Substandard			—			—			—			—			—			3,535			—			—			3,535
Total Residential Home Today			—			—			—			—			—			35,471			—			—			35,471
Home equity lines of credit
Pass			—			—			—			—			—			—			4,028,977			51,726			4,080,703
Special Mention			—			—			—			—			—			—			4,679			370			5,049
Substandard			—			—			—			—			—			—			9,678			5,235			14,913
Total Home equity lines of credit			—			—			—			—			—			—			4,043,334			57,331			4,100,665
Home equity loans
Pass			317,633			236,210			126,622			43,623			13,831			14,336			—			—			752,255
Special Mention			197			538			173			113			—			25			—			—			1,046
Substandard			155			324			1,199			227			106			178			—			—			2,189
Total Home equity loans			317,985			237,072			127,994			43,963			13,937			14,539			—			—			755,490
Total Construction			4,998			2,274			—			—			—			—			—			—			7,272
Total real estate loans
Pass			1,080,011			706,827			1,499,641			2,704,012			1,640,001			3,960,397			4,028,977			51,726			15,671,592
Special Mention			197			538			173			113			—			691			4,679			370			6,761
Substandard			155			485			3,223			4,227			3,146			24,901			9,678			5,235			51,050
Total real estate loans			$	1,080,363		$	707,850		$	1,503,037		$	2,708,352		$	1,643,147		$	3,985,989		$	4,043,334		$	57,331		$	15,729,403

(1) No new originations of Home Today loans since fiscal year 2016.

The following table presents gross charge-offs of residential loan receivables recorded during the fiscal year-to-date periods presented. There were no gross charge-offs in the construction loan portfolios for the periods presented.

			For the Three Months Ended December 31, 2025
			By fiscal year of origination																					Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term
			2026			2025			2024			2023			2022			Prior																		Total
Real estate loans:
Residential Core			$	—		$	—		$	—		$	—		$	—		$	15					$	—					$	—					$	15
Residential Home Today			—			—			—			—			—			36						—						—						36
Home equity lines of credit			—			—			—			—			—			—						202						58						260
Home equity loans			—			73			49			—			5			10						—						—						137
Total real estate loans			$	—		$	73		$	49		$	—		$	5		$	61					$	202					$	58					$	448

			For the Three Months Ended December 31, 2024
			By fiscal year of origination																					Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term
			2025			2024			2023			2022			2021			Prior																		Total
Real estate loans:
Residential Core			$	—		$	—		$	—		$	—		$	—		$	1					$	—					$	—					$	1
Residential Home Today			—			—			—			—			—			—						—						—						—
Home equity lines of credit			—			—			—			—			—			—						157						159						316
Home equity loans			—			—			—			—			—			—						—						—						—
Total real estate loans			$	—		$	—		$	—		$	—		$	—		$	1					$	157					$	159					$	317

Schedule Of Modified Loans

The following tables present the amortized cost of modifications by type executed during the periods presented for borrowers experiencing financial difficulty. For the three months ended December 31, 2025 and December 31, 2024, there were no modifications made on construction loans.

			For the Three Months Ended December 31, 2025
			Interest Rate Reduction												Term Extension						Significant Payment Delay						Combination-Rate Reduction & Term Extension						Other						Total						% of Total Class
Residential Core			$	—											$	621					$	293					$	171					$	—					$	1,085					0.01		%
Residential Home Today			—												81						28						—						3						112						0.33
Home equity lines of credit			—												—						—						80						—						80						—
Home equity loans			—												—						95						—						—						95						0.01
Total			$	—											$	702					$	416					$	251					$	3					$	1,372					0.01		%

			For the Three Months Ended December 31, 2024
			Interest Rate Reduction												Term Extension						Significant Payment Delay						Combination-Rate Reduction & Term Extension						Other						Total						% of Total Class
Residential Core			$	—											$	213					$	1,030					$	177					$	—					$	1,420					0.01		%
Residential Home Today			—												27						138						1						—						166						0.42
Home equity lines of credit			—												46						31						147						—						224						0.01
Home equity loans			—												—						—						—						—						—						—
Total			$	—											$	286					$	1,199					$	325					$	—					$	1,810					0.01		%

The following tables present the financial effects of the loan modifications presented above based on the type of modification.

						For the Three Months Ended December 31, 2025																		For the Three Months Ended December 31, 2024
						Interest Rate Reduction												Term Extension						Interest Rate Reduction												Term Extension
						Weighted-Average Contractual  Interest Rate												Weighted-Average Years Added to Life						Weighted-Average Contractual  Interest Rate												Weighted-Average Years Added to Life
						From						To												From						To
Residential Core						5.29%						3.50%						9.6						5.73%						3.50%						13.8
Residential Home Today						—%						—%						11.6						4.00%						3.50%						9.8
Home equity lines of credit						7.25%						3.50%						2.5						6.99%						3.50%						1.2
Home equity loans						—%						—%						0.0						—%						—%						0.0

The following tables present performance by loan type as of December 31, 2025 and December 31, 2024, on loans modified during the previous 12 months for borrowers experiencing financial difficulties. The loans in delinquency status primarily consisted of loans with significant payment delays prior to modification, which continue to be reported delinquent based on their original contractual terms.

December 31, 2025									30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due						Current						Total
Residential Core									$	—					$	80					$	393					$	473					$	3,507					$	3,980
Residential Home Today									—						52						111						163						358						521
Home equity lines of credit									64						—						105						169						654						823
Home equity loans									—						—						64						64						95						159
Total									$	64					$	132					$	673					$	869					$	4,614					$	5,483

December 31, 2024									30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total Past Due						Current						Total
Residential Core									$	817					$	364					$	1,301					$	2,482					$	3,697					$	6,179
Residential Home Today									43						149						207						399						159						558
Home equity lines of credit									—						—						230						230						628						858
Home equity loans									—						—						—						—						90						90
Total									$	860					$	513					$	1,738					$	3,111					$	4,574					$	7,685

Financing Receivable, Modified, Subsequent Default

The performance of loans modified for borrowers experiencing financial difficulty is closely monitored by the Company to evaluate the effectiveness of modification efforts. Modifications made to borrowers experiencing financial difficulty that subsequently become 90 days or more past due under the modified terms are considered subsequently defaulted. The following table provides information, by type of modification, about loans that were modified within the last 12 months and subsequently defaulted during the three months ended December 31, 2025 and December 31, 2024. There were no home equity loans that subsequently defaulted for the three months ended December 31, 2025 and December 31, 2024.

			For the Three Months Ended December 31, 2025
			Interest Rate Reduction						Term Extension						Significant Payment Delay						Combination-Rate Reduction & Term Extension						Other						Total
Residential Core			$	—					$	—					$	396					$	78					$	—					$	474
Residential Home Today			—						—						—						—						—						—
Home equity lines of credit			—						—						45						—						—						45
Total			$	—					$	—					$	441					$	78					$	—					$	519

			For the Three Months Ended December 31, 2024
			Interest Rate Reduction						Term Extension						Significant Payment Delay						Combination-Rate Reduction & Term Extension						Other						Total
Residential Core			$	—					$	—					$	25					$	14					$	—					$	39
Residential Home Today			—						—						58						—						—						58
Home equity lines of credit			—						—						199						—						—						199
Total			$	—					$	—					$	282					$	14					$	—					$	296

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+ References

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+ References

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-Topic 310
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