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v3.24.3

Income Taxes - Net Deferred Tax Asset (Liability) (Details) - USD ($) $ in Thousands | Sep. 30, 2024 | Sep. 30, 2023
--- | --- | ---
Deferred tax assets |  |
Allowance for credit losses | $ 53,227 | $ 46,191
REO reserves | 480 | 300
Non-accrual loan interest | 3,124 | 1,797
Accrued bonus and deferred compensation | 7,815 | 2,901
Stock based compensation | 4,696 | 3,089
Lease liability | 9,626 | 5,367
Loan purchase discount | 48,064 | 0
Loss carryover | 68,483 | 0
Other | 1,739 | 2,804
Total deferred tax assets | 197,254 | 62,449
Deferred tax liabilities |  |
FHLB stock dividends | 6,171 | 9,741
Net unrealized gain on available-for-sale securities and cash flow hedges | 13,758 | 13,933
Loan origination fees and costs | 11,777 | 11,471
Premises and equipment | 16,390 | 18,155
Lease right-of-use assets | 9,304 | 4,841
Equity investments | 3,700 | 4,244
Acquired intangibles | 12,824 | 4,798
Other | 184 | 483
Total deferred tax liabilities | 74,108 | 67,666
Net deferred tax asset | 123,146 |
Net deferred tax liability |  | (5,217)
Current tax asset (liability) | (3,898) | 13,696
Net tax asset (liability) | $ 119,248 | $ 8,479

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