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v3.24.1.u1

Allowance for Loan Losses - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Mar. 31, 2024 | Mar. 31, 2023 | Mar. 31, 2024 | Mar. 31, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | $ 179,320 | $ 176,797 | $ 177,207 | $ 172,808
Charge-offs | (345) | (6,126) | (638) | (6,354)
Recoveries | 199 | 249 | 605 | 966
Provision & Transfers | 22,403 | 6,500 | 24,403 | 10,000
Ending Allowance | 201,577 | 177,420 | 201,577 | 177,420
Provision and transfers | 22,403 | 6,500 | 24,403 | 10,000
Non-PCD | Luther Burbank |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision & Transfers | 16,000 |  |  |
Provision and transfers | 16,000 |  |  |
PCD | Luther Burbank |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision & Transfers | 7,403 |  |  |
Provision and transfers | 7,403 |  |  |
Unfunded commitments |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Provision & Transfers | 1,000 | 3,000 | 1,000 | 4,000
Provision and transfers | 1,000 | 3,000 | 1,000 | 4,000
Commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 139,155 | 138,282 | 137,194 | 133,476
Charge-offs | (65) | (6,054) | (145) | (6,136)
Recoveries | 53 | 57 | 137 | 109
Provision & Transfers | 10,270 | 5,380 | 12,227 | 10,216
Ending Allowance | 149,413 | 137,665 | 149,413 | 137,665
Provision and transfers | 10,270 | 5,380 | 12,227 | 10,216
Commercial loans | Multi-family |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 13,791 | 12,324 | 13,155 | 12,013
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision & Transfers | 8,188 | 714 | 8,824 | 1,025
Ending Allowance | 21,979 | 13,038 | 21,979 | 13,038
Provision and transfers | 8,188 | 714 | 8,824 | 1,025
Commercial loans | Commercial real estate |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 29,007 | 27,380 | 28,842 | 25,814
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 1 | 2 | 5
Provision & Transfers | 3,984 | 422 | 4,147 | 1,984
Ending Allowance | 32,991 | 27,803 | 32,991 | 27,803
Provision and transfers | 3,984 | 422 | 4,147 | 1,984
Commercial loans | Commercial & industrial |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 60,836 | 63,873 | 58,773 | 57,210
Charge-offs | (65) | (6,054) | (127) | (6,136)
Recoveries | 32 | 42 | 64 | 74
Provision & Transfers | (1,542) | 5,440 | 551 | 12,153
Ending Allowance | 59,261 | 63,301 | 59,261 | 63,301
Provision and transfers | (1,542) | 5,440 | 551 | 12,153
Commercial loans | Construction |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 28,863 | 26,133 | 29,408 | 26,161
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision & Transfers | (1,546) | (106) | (2,091) | (134)
Ending Allowance | 27,317 | 26,027 | 27,317 | 26,027
Provision and transfers | (1,546) | (106) | (2,091) | (134)
Commercial loans | Land - acquisition & development |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 6,658 | 8,572 | 7,016 | 12,278
Charge-offs | 0 | 0 | (18) | 0
Recoveries | 21 | 14 | 71 | 30
Provision & Transfers | 1,186 | (1,090) | 796 | (4,812)
Ending Allowance | 7,865 | 7,496 | 7,865 | 7,496
Provision and transfers | 1,186 | (1,090) | 796 | (4,812)
Consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 40,165 | 38,515 | 40,013 | 39,332
Charge-offs | (280) | (72) | (493) | (218)
Recoveries | 146 | 192 | 468 | 857
Provision & Transfers | 12,133 | 1,120 | 12,176 | (216)
Ending Allowance | 52,164 | 39,755 | 52,164 | 39,755
Provision and transfers | 12,133 | 1,120 | 12,176 | (216)
Consumer loans | Construction |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 2,262 | 3,500 | 2,781 | 3,410
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision & Transfers | (344) | (44) | (863) | 46
Ending Allowance | 1,918 | 3,456 | 1,918 | 3,456
Provision and transfers | (344) | (44) | (863) | 46
Consumer loans | Single-family residential |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 28,556 | 25,475 | 28,029 | 25,518
Charge-offs | (131) | (34) | (131) | (34)
Recoveries | 55 | 104 | 175 | 534
Provision & Transfers | 12,574 | 1,371 | 12,981 | 898
Ending Allowance | 41,054 | 26,916 | 41,054 | 26,916
Provision and transfers | 12,574 | 1,371 | 12,981 | 898
Consumer loans | Land - consumer lot loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 3,345 | 4,142 | 3,512 | 5,047
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 46 | 5 | 55 | 5
Provision & Transfers | (177) | (202) | (353) | (1,107)
Ending Allowance | 3,214 | 3,945 | 3,214 | 3,945
Provision and transfers | (177) | (202) | (353) | (1,107)
Consumer loans | HELOC |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 2,973 | 2,588 | 2,859 | 2,482
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 1 | 0 | 2 | 1
Provision & Transfers | 0 | 74 | 113 | 179
Ending Allowance | 2,974 | 2,662 | 2,974 | 2,662
Provision and transfers | 0 | 74 | 113 | 179
Consumer loans | Consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 3,029 | 2,810 | 2,832 | 2,875
Charge-offs | (149) | (38) | (362) | (184)
Recoveries | 44 | 83 | 236 | 317
Provision & Transfers | 80 | (79) | 298 | (232)
Ending Allowance | 3,004 | 2,776 | 3,004 | 2,776
Provision and transfers | $ 80 | $ (79) | $ 298 | $ (232)

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