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Allowance for Losses on Loans (Tables)
 6 Months Ended
Mar. 31, 2021
Receivables [Abstract]  
Allowance for Credit Losses by Loan Portfolio Segment and Class
The following tables summarize the activity in the allowance for loan losses by loan portfolio segment and class. 
Three Months Ended March 31, 2021Beginning AllowanceCharge-offsRecoveriesProvision &
Transfers 		Ending Allowance
 (In thousands)
Commercial loans
   Multi-family$14,363 $— $— $3,413 $17,776 
   Commercial real estate23,496 — 1,457 1,869 26,822 
   Commercial & industrial44,317 (18)11 3,484 47,794 
   Construction26,365 — — (3,816)22,549 
   Land - acquisition & development10,666 — 410 (573)10,503 
      Total commercial loans119,207 (18)1,878 4,377 125,444 
Consumer loans
   Single-family residential38,613 (106)497 (3,896)35,108 
   Construction - custom3,594 — — (346)3,248 
   Land - consumer lot loans2,958 — 7 327 3,292 
   HELOC2,362 — — (136)2,226 
   Consumer3,455 (84)290 (326)3,335 
      Total consumer loans50,982 (190)794 (4,377)47,209 
Total loans$170,189 $(208)$2,672 $— $172,653 

Three Months Ended March 31, 2020Beginning AllowanceCharge-offsRecoveries
Provision &
Transfers (1)
Ending Allowance
 (In thousands)
Commercial loans
   Multi-family$10,506 $— $— $1,236 $11,742 
   Commercial real estate13,067 (13)1,020 565 14,639 
   Commercial & industrial33,676 (129)57 4,972 38,576 
   Construction21,919 — 5 1,424 23,348 
   Land - acquisition & development10,413 — 126 (140)10,399 
      Total commercial loans89,581 (142)1,208 8,057 98,704 
Consumer loans
   Single-family residential46,356 — 192 268 46,816 
   Construction - custom2,930 — — 245 3,175 
   Land - consumer lot loans2,567 (77)476 (388)2,578 
   HELOC2,034 — 1 211 2,246 
   Consumer4,045 (230)360 (593)3,582 
      Total consumer loans57,932 (307)1,029 (257)58,397 
Total loans$147,513 $(449)$2,237 $7,800 $157,101 
(1) Provision & transfer amounts within the table do not include the provision for unfunded commitments of $400,000
Six Months Ended March 31, 2021Beginning AllowanceCharge-offsRecoveries
Provision &
Transfers (1)
Ending Allowance
 (In thousands)
Commercial loans
   Multi-family$13,853 $— $— $3,923 $17,776 
   Commercial real estate22,516 — 2,246 2,060 26,822 
   Commercial & industrial38,665 (20)61 9,088 47,794 
   Construction24,156 — — (1,607)22,549 
   Land - acquisition & development10,733 — 445 (675)10,503 
      Total commercial loans109,923 (20)2,752 12,789 125,444 
Consumer loans
   Single-family residential45,186 (106)1,276 (11,248)35,108 
   Construction - custom3,555 — — (307)3,248 
   Land - consumer lot loans2,729 — 14 549 3,292 
   HELOC2,571 — — (345)2,226 
   Consumer2,991 (234)516 62 3,335 
      Total consumer loans57,032 (340)1,806 (11,289)47,209 
Total loans$166,955 $(360)$4,558 $1,500 $172,653 
(1) Provision & transfer amounts within the table do not include the provision for unfunded commitments of $1,500,000

Six Months Ended March 31, 2020Beginning AllowanceCharge-offsRecoveries
Provision &
Transfers (1)
Ending Allowance
 (In thousands)
Commercial loans
   Multi-family$10,404 $— $498 $840 $11,742 
   Commercial real estate13,024 (111)1,388 338 14,639 
   Commercial & industrial32,235 (179)201 6,319 38,576 
   Construction22,768 — 59 521 23,348 
   Land - acquisition & development10,904 (11)1,586 (2,080)10,399 
      Total commercial loans89,335 (301)3,732 5,938 98,704 
Consumer loans
   Single-family residential47,771 (15)453 (1,393)46,816 
   Construction - custom2,880 — — 295 3,175 
   Land - consumer lot loans2,635 (147)486 (396)2,578 
   HELOC2,048 — 94 104 2,246 
   Consumer4,615 (604)669 (1,098)3,582 
      Total consumer loans59,949 (766)1,702 (2,488)58,397 
Total loans$149,284 $(1,067)$5,434 $3,450 $157,101 
(1) Provision & transfer amounts within the table do not include the provision for unfunded commitments of $1,000,000
Summary of Loans Based on Credit Quality Indicators The following tables present by primary credit quality indicator, loan class, and year of origination, the amortized cost basis of loans receivable as of March 31, 2021.
Term Loans Amortized Cost Basis by Origination Year
YTD 20212020201920182017Prior to 2017Revolving LoansRevolving to Term LoansTotal Loans
Commercial loans
Multi-family
Pass$267,297 $507,301 $248,237 $295,532 $247,043 $344,441 $8,221 $— $1,918,072 
Special Mention— 1,769 — 4,039 2,844 1,934 — — 10,586 
Substandard— — 7,546 651 3,746 46,519 — — 58,462 
Total$267,297 $509,070 $255,783 $300,222 $253,633 $392,894 $8,221 $— $1,987,120 
Commercial real estate
Pass$252,949 $443,877 $282,617 $274,651 $240,058 $440,678 $2,203 $— $1,937,033 
Special Mention— 194 4,432 33,380 1,697 23,144 — — 62,847 
Substandard— 9,012 69,855 22,619 47,503 62,196 — — 211,185 
Total$252,949 $453,083 $356,904 $330,650 $289,258 $526,018 $2,203 $— $2,211,065 
Commercial & industrial
Pass$547,764 $631,137 $57,479 $52,576 $78,044 $159,841 $635,066 $11,944 $2,173,851 
Special Mention— 9,798 6,785 630 18 — 31,636 — 48,867 
Substandard12,363 48,216 4,126 6,443 94 48,126 110,227 272 229,867 
Total$560,127 $689,151 $68,390 $59,649 $78,156 $207,967 $776,929 $12,216 $2,452,585 
Construction
Pass$136,932 $311,836 $270,277 $67,312 $— $— $94,845 $— $881,202 
Substandard— 4,321 2,348 — 37,146 — — — 43,815 
Total$136,932 $316,157 $272,625 $67,312 $37,146 $— $94,845 $— $925,017 
Land - acquisition & development
Pass$22,127 $39,505 $28,645 $18,007 $14,789 $4,011 $5,314 $— $132,398 
Special Mention— — — — — 15,573 — — 15,573 
Substandard— — — — 2,340 — — — 2,340 
Total$22,127 $39,505 $28,645 $18,007 $17,129 $19,584 $5,314 $— $150,311 
Total commercial loans
Pass$1,227,069 $1,933,656 $887,255 $708,078 $579,934 $948,971 $745,649 $11,944 $7,042,556 
Special Mention— 11,761 11,217 38,049 4,559 40,651 31,636 — 137,873 
Substandard12,363 61,549 83,875 29,713 90,829 156,841 110,227 272 545,669 
Total$1,239,432 $2,006,966 $982,347 $775,840 $675,322 $1,146,463 $887,512 $12,216 $7,726,098 
Term Loans Amortized Cost Basis by Origination Year
YTD 20212020201920182017Prior to 2017Revolving LoansRevolving to Term LoansTotal Loans
Consumer loans
Single-family residential
Current$499,799 $825,204 $512,811 $458,566 $514,115 $1,965,872 $— $— $4,776,367 
30 days past due— — — 115 — 5,753 — — 5,868 
60 days past due— — — — — 960 — — 960 
90+ days past due— — — 466 169 18,745 — — 19,380 
Total$499,799 $825,204 $512,811 $459,147 $514,284 $1,991,330 $— $— $4,802,575 
Construction - custom
Current$50,146 $242,667 $14,955 $1,063 $— $— $— $— $308,831 
Total$50,146 $242,667 $14,955 $1,063 $— $— $— $— $308,831 
Land - consumer lot loans
Current$41,526 $35,849 $13,856 $5,304 $6,565 $18,758 $— $— $121,858 
30 days past due— — — — — 93 — — 93 
60 days past due— — — 185 — — — — 185 
90+ days past due— — — — — 75 — — 75 
Total$41,526 $35,849 $13,856 $5,489 $6,565 $18,926 $— $— $122,211 
HELOC
Current$— $— $— $— $— $5,917 $137,531 $1,219 $144,667 
30 days past due— — — — — 93 25 — 118 
90+ days past due— — — — — 30 251 — 281 
Total$— $— $— $— $— $6,040 $137,807 $1,219 $145,066 
Consumer
Current$10,891 $8,245 $1,011 $45,983 $— $14,000 $22,849 $— $102,979 
30 days past due— — 5 — 75 94 — — 174 
60 days past due— — 2 — — — — — 2 
90+ days past due— — 37 — 96 6 — — 139 
Total$10,891 $8,245 $1,055 $45,983 $171 $14,100 $22,849 $— $103,294 
Total consumer loans
Current$602,362 $1,111,965 $542,633 $510,916 $520,680 $2,004,547 $160,380 $1,219 $5,454,702 
30 days past due— — 5 115 75 6,033 25 — 6,253 
60 days past due— — 2 185 — 960 — — 1,147 
90+ days past due— — 37 466 265 18,856 251 — 19,875 
Total$602,362 $1,111,965 $542,677 $511,682 $521,020 $2,030,396 $160,656 $1,219 $5,481,977 
The following tables provide the amortized cost of loans receivable based on risk rating categories as previously defined.

March 31, 2021Internally Assigned Grade
 PassSpecial mentionSubstandardDoubtfulLossTotal
 (In thousands, except ratio data)
Loan type
Commercial loans
  Multi-family$1,918,072 $10,586 $58,462 $— $— $1,987,120 
  Commercial real estate1,937,033 62,847 211,185 — — 2,211,065 
  Commercial & industrial2,173,851 48,867 229,867 — — 2,452,585 
  Construction881,202 — 43,815 — — 925,017 
  Land - acquisition & development132,398 15,573 2,340 — — 150,311 
    Total commercial loans7,042,556 137,873 545,669 — — 7,726,098 
Consumer loans
  Single-family residential4,773,261 189 29,125 — — 4,802,575 
  Construction - custom308,831 — — — — 308,831 
  Land - consumer lot loans122,034 — 177 — — 122,211 
  HELOC143,167 — 1,899 — — 145,066 
  Consumer103,274 — 20 — — 103,294 
    Total consumer loans5,450,567 189 31,221 — — 5,481,977 
Total$12,493,123 $138,062 $576,890 $— $— $13,208,075 
Total grade as a % of total loans94.59 %1.05 %4.37 %— %— %
September 30, 2020Internally Assigned Grade
 PassSpecial mentionSubstandardDoubtfulLossTotal Gross Loans
 (In thousands, except ratio data)
Loan type
Commercial loans
  Multi-family$1,506,692 $13,721 $17,827 $— $— $1,538,240 
  Commercial real estate1,681,230 92,184 111,274 — — 1,884,688 
  Commercial & industrial1,898,709 64,695 152,109 — — 2,115,513 
  Construction1,187,786 61,178 103,450 — — 1,352,414 
  Land - acquisition & development137,998 15,573 — — — 153,571 
    Total commercial loans6,412,415 247,351 384,660 — — 7,044,426 
Consumer loans
  Single-family residential5,270,666 192 23,104 — — 5,293,962 
  Construction - custom295,953 — — — — 295,953 
  Land - consumer lot loans101,151 — 243 — — 101,394 
  HELOC139,646 — 576 — — 140,222 
  Consumer83,304 — 11 — — 83,315 
    Total consumer loans5,890,720 192 23,934 — — 5,914,846 
Total loans$12,303,135 $247,543 $408,594 $— $— $12,959,272 
Total grade as a % of total gross loans94.94 %1.91 %3.15 %— %— %
The following tables provide information on amortized cost of loans receivable based on borrower payment activity.

March 31, 2021Performing LoansNon-Performing Loans
 Amount% of Total
Loans		Amount% of Total
Loans
 (In thousands, except ratio data)
Commercial loans
   Multi-family$1,987,120 100.0 %$— — %
   Commercial real estate2,201,839 99.6 9,226 0.4 
   Commercial & industrial2,451,753 100.0 832 — 
   Construction923,594 99.8 1,423 0.2 
   Land - acquisition & development147,971 98.4 2,340 1.6 
      Total commercial loans7,712,277 99.8 13,821 0.2 
Consumer loans
   Single-family residential4,776,976 99.5 25,599 0.5 
   Construction - custom308,831 100.0 — — 
   Land - consumer lot loans122,034 99.9 177 0.1 
   HELOC144,760 99.8 306 0.2 
   Consumer103,242 99.9 52 0.1 
      Total consumer loans5,455,843 99.5 26,134 0.5 
Total loans$13,168,120 99.7 %$39,955 0.3 %

September 30, 2020Performing LoansNon-Performing Loans
 Amount% of Total
Loans		Amount% of Total
Loans
 (In thousands, except ratio data)
Commercial loans
   Multi-family$1,538,240 100.0 %$— — %
   Commercial real estate1,880,917 99.8 3,771 0.2 
   Commercial & industrial2,115,184 100.0 329 — 
   Construction1,350,745 99.9 1,669 0.1 
   Land - acquisition & development153,571 100.0 — — 
      Total commercial loans7,038,657 99.9 5,769 0.1 
Consumer loans
   Single-family residential5,271,531 99.6 22,431 0.4 
   Construction - custom295,953 100.0 — — 
   Land - consumer lot loans101,151 99.8 243 0.2 
   HELOC139,669 99.6 553 0.4 
   Consumer83,255 99.9 60 0.1 
      Total consumer loans5,891,559 99.6 23,287 0.4 
Total loans$12,930,216 99.8 %$29,056 0.2 %