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Allowance for Losses on Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | $ 201,577 | $ 177,420 | $ 177,207 | $ 172,808
Charge-offs | (2,713) | (10,543) | (3,351) | (16,897)
Recoveries | 1,460 | 192 | 2,065 | 1,158
Provision & Transfers | 3,500 | 11,000 | 27,903 | 21,000
Ending Allowance | 203,824 | 178,069 | 203,824 | 178,069
Provision and transfers | 3,500 | 11,000 | 27,903 | 21,000
Non-PCD |  |  |  |
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 | 2,000 | 2,000 | 3,000 | 6,000
Provision and transfers | 2,000 | 2,000 | 3,000 | 6,000
Commercial loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 149,413 | 137,665 | 137,194 | 133,476
Charge-offs | (2,549) | (10,469) | (2,694) | (16,605)
Recoveries | 1,022 | 34 | 1,159 | 143
Provision & Transfers | 5,309 | 10,955 | 17,536 | 21,171
Ending Allowance | 153,195 | 138,185 | 153,195 | 138,185
Provision and transfers | 5,309 | 10,955 | 17,536 | 21,171
Commercial loans | Multi-family |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 21,979 | 13,038 | 13,155 | 12,013
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision & Transfers | 3,220 | (62) | 12,044 | 963
Ending Allowance | 25,199 | 12,976 | 25,199 | 12,976
Provision and transfers | 3,220 | (62) | 12,044 | 963
Commercial loans | Commercial real estate |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 32,991 | 27,803 | 28,842 | 25,814
Charge-offs | (203) | 0 | (203) | 0
Recoveries | 2 | 0 | 4 | 5
Provision & Transfers | 6,966 | 329 | 11,113 | 2,313
Ending Allowance | 39,756 | 28,132 | 39,756 | 28,132
Provision and transfers | 6,966 | 329 | 11,113 | 2,313
Commercial loans | Commercial & industrial |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 59,261 | 63,301 | 58,773 | 57,210
Charge-offs | (2,346) | (10,469) | (2,473) | (16,605)
Recoveries | 1,003 | 10 | 1,067 | 84
Provision & Transfers | (85) | 9,073 | 466 | 21,226
Ending Allowance | 57,833 | 61,915 | 57,833 | 61,915
Provision and transfers | (85) | 9,073 | 466 | 21,226
Commercial loans | Construction |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 27,317 | 26,027 | 29,408 | 26,161
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision & Transfers | (4,610) | 1,889 | (6,701) | 1,755
Ending Allowance | 22,707 | 27,916 | 22,707 | 27,916
Provision and transfers | (4,610) | 1,889 | (6,701) | 1,755
Commercial loans | Land - acquisition & development |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 7,865 | 7,496 | 7,016 | 12,278
Charge-offs | 0 | 0 | (18) | 0
Recoveries | 17 | 24 | 88 | 54
Provision & Transfers | (182) | (274) | 614 | (5,086)
Ending Allowance | 7,700 | 7,246 | 7,700 | 7,246
Provision and transfers | (182) | (274) | 614 | (5,086)
Consumer loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 52,164 | 39,755 | 40,013 | 39,332
Charge-offs | (164) | (74) | (657) | (292)
Recoveries | 438 | 158 | 906 | 1,015
Provision & Transfers | (1,809) | 45 | 10,367 | (171)
Ending Allowance | 50,629 | 39,884 | 50,629 | 39,884
Provision and transfers | (1,809) | 45 | 10,367 | (171)
Consumer loans | Construction |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 1,918 | 3,456 | 2,781 | 3,410
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision & Transfers | (424) | (235) | (1,287) | (189)
Ending Allowance | 1,494 | 3,221 | 1,494 | 3,221
Provision and transfers | (424) | (235) | (1,287) | (189)
Consumer loans | Single-family residential |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 41,054 | 26,916 | 28,029 | 25,518
Charge-offs | (13) | 0 | (144) | (34)
Recoveries | 118 | 18 | 293 | 552
Provision & Transfers | (843) | 149 | 12,138 | 1,047
Ending Allowance | 40,316 | 27,083 | 40,316 | 27,083
Provision and transfers | (843) | 149 | 12,138 | 1,047
Consumer loans | Land - consumer lot loans |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 3,214 | 3,945 | 3,512 | 5,047
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 2 | 9 | 57 | 14
Provision & Transfers | (568) | (184) | (921) | (1,291)
Ending Allowance | 2,648 | 3,770 | 2,648 | 3,770
Provision and transfers | (568) | (184) | (921) | (1,291)
Consumer loans | HELOC |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 2,974 | 2,662 | 2,859 | 2,482
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 1 | 0 | 3 | 1
Provision & Transfers | (51) | 81 | 62 | 260
Ending Allowance | 2,924 | 2,743 | 2,924 | 2,743
Provision and transfers | (51) | 81 | 62 | 260
Consumer loans | Consumer |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |
Beginning Allowance | 3,004 | 2,776 | 2,832 | 2,875
Charge-offs | (151) | (74) | (513) | (258)
Recoveries | 317 | 131 | 553 | 448
Provision & Transfers | 77 | 234 | 375 | 2
Ending Allowance | 3,247 | 3,067 | 3,247 | 3,067
Provision and transfers | $ 77 | $ 234 | $ 375 | $ 2

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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