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v3.24.3

Customer Accounts (Tables) | 12 Months Ended
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Sep. 30, 2024
Banking and Thrift, Interest [Abstract] |
Schedule of Deposit Liabilities | The following tables provide the composition of the Company's customer accounts, including time deposits.
| September 30, 2024 |  | September 30, 2023
| Deposit Account Balance |  | As a % of Total Deposits |  | Weighted Average Rate |  | Deposit Account Balance |  | As a % of Total Deposits |  | Weighted Average Rate
($ in thousands) |  |  |  |  |  |  |  |  |  |  |
Non-interest checking | $ | 2,500,467 |  |  | 11.7 | % |  | — | % |  | $ | 2,706,448 |  |  | 16.8 | % |  | — | %
Interest checking | 4,486,444 |  |  | 21.0 |  |  | 2.89 |  |  | 3,882,715 |  |  | 24.2 |  |  | 2.28 |
Savings | 718,560 |  |  | 3.4 |  |  | 0.23 |  |  | 817,547 |  |  | 5.1 |  |  | 0.21 |
Money market | 4,111,714 |  |  | 19.2 |  |  | 2.22 |  |  | 3,358,603 |  |  | 20.9 |  |  | 1.48 |
Time deposits | 9,556,785 |  |  | 44.7 |  |  | 4.58 |  |  | 5,305,016 |  |  | 33.0 |  |  | 3.77 |
Total | $ | 21,373,970 |  |  | 100 | % |  | 3.09 | % |  | $ | 16,070,329 |  |  | 100 | % |  | 2.12 | %
Schedule of Time Deposits |
Time deposits by rate band are as follows: | September 30, 2024 | September 30, 2023
| (In thousands)
Less than 1.00% | $ | 82,935 |  | $ | 139,525 |
1.00% to 1.99% | 2,395 |  | 64,262 |
2.00% to 2.99% | 3,340 |  | 248,973 |
3.00% to 3.99% | 345,680 |  | 3,884,337 |
4.00% to 4.99% | 8,244,791 |  | 532,153 |
5.00% and higher | 877,644 |  | 435,766 |
| $ | 9,556,785 |  | $ | 5,305,016 |
Time deposits by maturity band are as follows: | September 30, 2024 | September 30, 2023
| (In thousands)
Three months or less | $ | 2,923,299 |  | $ | 2,383,793 |
Over 3 through 6 months | 3,140,278 |  | 1,517,379 |
Over 6 through 12 months | 2,543,201 |  | 732,141 |
Over 12 months | 950,007 |  | 671,703 |
| $ | 9,556,785 |  | $ | 5,305,016 |
Schedule of Interest Expense on Customer Deposits | Interest expense on customer accounts consisted of the following:
Year ended September 30, | 2024 | 2023 | 2022
| (In thousands)
Checking accounts | $ | 99,917 |  | $ | 70,396 |  | $ | 10,086 |
Savings accounts | 3,952 |  | 1,715 |  | 1,377 |
Money market accounts | 77,993 |  | 47,485 |  | 12,423 |
Time deposit accounts | 351,654 |  | 119,255 |  | 19,422 |
| 533,516 |  | 238,851 |  | 43,308 |
Less early withdrawal penalties | (1,082) |  | (1,618) |  | (267) |
| $ | 532,434 |  | $ | 237,233 |  | $ | 43,041 |
Weighted average interest rate at end of year | 3.09 | % | 2.12 | % | 0.51 | %
Daily weighted average interest rate during the year | 3.26 | % | 1.84 | % | 0.34 | %

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