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Customer Accounts (Tables)

12 Months Ended

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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