Pay vs Performance Disclosure


							Value of Initial Fixed $100 Investment Based on:
Year	Summary Compensation Table Total for CEO (1)		Compensation Actually Paid to CEO (1)	Average Summary Compensation Table for non-CEO NEOs (2)		Average Compensation Actually Paid to non-CEO NEOs (2)	TSR	Peer Group TSR (3)	Net Income ($ in thousands)	GAAP Earnings Per Share
2024	$	4,030,461	$4,020,342	$	1,358,168	$1,407,225	141	133	$200,041	$2.50
2023	$	2,225,890	$2,001,205
	$	6,308,674	$5,394,252	$	2,279,134	$2,059,006	88	82	$257,426	$3.72
2022	$	3,596,934	$4,324,462	$	1,133,594	$1,330,164	90	93	$236,330	$3.40
2021	$	3,254,715	$4,079,586	$	1,138,791	$1,480,437	170	197	$183,615	$2.39

Reflects compensation for our Chief Executive Officer, Brent Beardall, who served as our Principal Executive Officer (PEO) in all years disclosed and for our Chief Consumer Banker, Cathy Cooper, who served as our temporary PEO from January 3, 2023 to February 12, 2023, while Mr. Beardall was on medical leave. For 2023, Ms. Cooper's compensation is shown on the top line and Ms. Beardall's on the lower line.

To calculate Compensation Actually Paid for our NEOs, the following adjustments were made to the Summary Compensation Table total pay deducting the amounts included under the "Stock Awards" column for each year and adding amounts based on the SEC's definition of "compensation actually paid" as shown in the following table.


	CEO								CConsB (1)
	2021		2022		2023		2024		2023
Summary Compensation Table Total	$	3,254,715	$	3,596,934	$	6,308,674	$	4,030,461	$	2,225,890
Deduct grant date fair value of stock awards granted in fiscal year	(1,197,318)		(1,315,205)		(1,566,874)		(1,394,385)		(419,291)
Add fair value at fiscal year-end of outstanding and unvested option awards and stock awards granted in fiscal year	1,854,627		1,100,470		1,054,184		1,758,115		282,096
Add change in fair value of outstanding and unvested stock awards and options and stock awards granted in prior fiscal years	407,311		(197,932)		(76,869)		220,379		(29,528)
Add fair value at vesting of options awards that vested during fiscal year	—		—		—		—		—
Add change in fair value as of vesting date of option awards and stock awards granted in prior fiscal years for which vesting conditions were satisfied during the year	7,266		1,140,195		196,527		(23,213)		72,704
Deduct fair value of stock awards granted in prior years that failed to meet vesting conditions during fiscal year	(247,015)		—		(521,390)		(571,015)		(130,666)
Add value of dividend or other earnings paid on stock or option awards not otherwise reflected in fair value or total compensation	—		—		—		—		—
Compensation actually paid	$	4,079,586	$	4,324,462	$	5,394,252	$	4,020,342	$	2,001,205

(1) This column represents the adjustments made to arrive at Compensation Actually Paid to Cathy Cooper, Chief Consumer Banker. Ms. Cooper is included in Pay versus Performance table above due to acting as temporary CEO during fiscal 2023.


	Other NEOs
	2021		2022		2023		2024
Summary Compensation Table Total	$	1,138,791	$	1,133,594	$	2,279,134	$	1,358,168
Deduct grant date fair value of stock awards granted in fiscal year	(289,265)		(308,869)		(398,325)		(381,044)
Add fair value at fiscal year-end of outstanding and unvested option awards and stock awards granted in fiscal year	570,861		324,587		267,991		480,441
Add change in fair value of outstanding and unvested stock awards and options and stock awards granted in prior fiscal years	118,046		(102,521)		(25,672)		64,661
Add fair value at vesting of options awards that vested during fiscal year	—		—		—		—
Add change in fair value as of vesting date of option awards and stock awards granted in prior fiscal years for which vesting conditions were satisfied during the year	2,504		283,373		65,188		(6,547)
Deduct fair value of stock awards granted in prior years that failed to meet vesting conditions during fiscal year	(60,500)		—		(129,310)		(108,454)
Add value of dividend or other earnings paid on stock or option awards not otherwise reflected in fair value or total compensation	—		—		—		—
Compensation actually paid	$	1,480,437	$	1,330,164	$	2,059,006	$	1,407,225


	CEO								CConsB (1)
	2021		2022		2023		2024		2023
Summary Compensation Table Total	$	3,254,715	$	3,596,934	$	6,308,674	$	4,030,461	$	2,225,890
Deduct grant date fair value of stock awards granted in fiscal year	(1,197,318)		(1,315,205)		(1,566,874)		(1,394,385)		(419,291)
Add fair value at fiscal year-end of outstanding and unvested option awards and stock awards granted in fiscal year	1,854,627		1,100,470		1,054,184		1,758,115		282,096
Add change in fair value of outstanding and unvested stock awards and options and stock awards granted in prior fiscal years	407,311		(197,932)		(76,869)		220,379		(29,528)
Add fair value at vesting of options awards that vested during fiscal year	—		—		—		—		—
Add change in fair value as of vesting date of option awards and stock awards granted in prior fiscal years for which vesting conditions were satisfied during the year	7,266		1,140,195		196,527		(23,213)		72,704
Deduct fair value of stock awards granted in prior years that failed to meet vesting conditions during fiscal year	(247,015)		—		(521,390)		(571,015)		(130,666)
Add value of dividend or other earnings paid on stock or option awards not otherwise reflected in fair value or total compensation	—		—		—		—		—
Compensation actually paid	$	4,079,586	$	4,324,462	$	5,394,252	$	4,020,342	$	2,001,205


	Other NEOs
	2021		2022		2023		2024
Summary Compensation Table Total	$	1,138,791	$	1,133,594	$	2,279,134	$	1,358,168
Deduct grant date fair value of stock awards granted in fiscal year	(289,265)		(308,869)		(398,325)		(381,044)
Add fair value at fiscal year-end of outstanding and unvested option awards and stock awards granted in fiscal year	570,861		324,587		267,991		480,441
Add change in fair value of outstanding and unvested stock awards and options and stock awards granted in prior fiscal years	118,046		(102,521)		(25,672)		64,661
Add fair value at vesting of options awards that vested during fiscal year	—		—		—		—
Add change in fair value as of vesting date of option awards and stock awards granted in prior fiscal years for which vesting conditions were satisfied during the year	2,504		283,373		65,188		(6,547)
Deduct fair value of stock awards granted in prior years that failed to meet vesting conditions during fiscal year	(60,500)		—		(129,310)		(108,454)
Add value of dividend or other earnings paid on stock or option awards not otherwise reflected in fair value or total compensation	—		—		—		—
Compensation actually paid	$	1,480,437	$	1,330,164	$	2,059,006	$	1,407,225

CEO and average NEO CAP vs Company TSR and KBW Index TSR

CEO and average NEO CAP vs GAAP Net Income

CEO and average NEO CAP vs GAAP Earnings Per Share


1			Generally Accepted Accounting Principles Earnings Per Share ("GAAP EPS")
2			Total Shareholder Return ("TSR")

The stock awards included above comprise performance share awards and restricted stock awards granted from 2018 through 2023. The amounts are based on the estimated fair value of the restricted stock and restricted performance awards as of the applicable year end or vesting date as required by SEC rules. The fair value for performance share awards is based on a probable outcome target of vesting, which represents the mid-point of the total shareholder return range and an estimated likelihood of achieving that level, and is calculated in accordance with U.S. GAAP. Measurement date equity fair values are calculated with assumptions derived on a basis consistent with the fair value methodology used to account for share-based payments in the Company’s consolidated financial statements included in Note Q – Stock Award Plans of our Annual Report on Form 10-K for the year ended September 30, 2024.