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ALLOWANCE FOR LOAN LOSSES - Schedule of Activity in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Sep. 30, 2025 | Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | $ 203,753 | $ 177,207
Charge-offs | (13,170) | (3,625)
Recoveries | 1,387 | 2,269
Provision & Transfers | 7,750 | 27,902
Ending Allowance | 199,720 | 203,753
Provision (recapture) | 7,750 | 27,902
Non-PCD |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Provision & Transfers |  | 16,000
Provision (recapture) |  | 16,000
PCD | Luther Burbank |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Provision & Transfers |  | 7,403
Provision (recapture) |  | 7,403
Unfunded commitments |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Provision & Transfers |  | (3,000)
Provision (recapture) |  | (3,000)
Commercial loans |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 153,373 | 137,194
Charge-offs | (11,498) | (2,963)
Recoveries | 454 | 1,178
Provision & Transfers | 9,805 | 17,964
Ending Allowance | 152,134 | 153,373
Provision (recapture) | 9,805 | 17,964
Commercial loans | Multi-family |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 25,248 | 13,155
Charge-offs | (555) | 0
Recoveries | 0 | 0
Provision & Transfers | 1,260 | 12,093
Ending Allowance | 25,953 | 25,248
Provision (recapture) | 1,260 | 12,093
Commercial loans | Commercial real estate |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 39,210 | 28,842
Charge-offs | (9,652) | (203)
Recoveries | 169 | 4
Provision & Transfers | 12,261 | 10,567
Ending Allowance | 41,988 | 39,210
Provision (recapture) | 12,261 | 10,567
Commercial loans | Commercial & industrial |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 58,748 | 58,773
Charge-offs | (1,291) | (2,611)
Recoveries | 252 | 1,069
Provision & Transfers | 1,454 | 1,517
Ending Allowance | 59,163 | 58,748
Provision (recapture) | 1,454 | 1,517
Commercial loans | Construction |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 22,267 | 29,408
Charge-offs | 0 | 0
Recoveries | 0 | 0
Provision & Transfers | (4,131) | (7,141)
Ending Allowance | 18,136 | 22,267
Provision (recapture) | (4,131) | (7,141)
Commercial loans | Land - acquisition & development |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 7,900 | 7,016
Charge-offs | 0 | (149)
Recoveries | 33 | 105
Provision & Transfers | (1,039) | 928
Ending Allowance | 6,894 | 7,900
Provision (recapture) | (1,039) | 928
Consumer loans |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 50,380 | 40,013
Charge-offs | (1,672) | (662)
Recoveries | 933 | 1,091
Provision & Transfers | (2,055) | 9,938
Ending Allowance | 47,586 | 50,380
Provision (recapture) | (2,055) | 9,938
Consumer loans | Construction |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 1,427 | 2,781
Charge-offs | 0 | 0
Recoveries | 4 | 1
Provision & Transfers | (821) | (1,355)
Ending Allowance | 610 | 1,427
Provision (recapture) | (821) | (1,355)
Consumer loans | Single-family residential |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 40,523 | 28,029
Charge-offs | (338) | (144)
Recoveries | 572 | 381
Provision & Transfers | (1,877) | 12,257
Ending Allowance | 38,880 | 40,523
Provision (recapture) | (1,877) | 12,257
Consumer loans | Land - consumer lot loans |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 2,564 | 3,512
Charge-offs | 0 | 0
Recoveries | 0 | 58
Provision & Transfers | (460) | (1,006)
Ending Allowance | 2,104 | 2,564
Provision (recapture) | (460) | (1,006)
Consumer loans | HELOC |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 3,049 | 2,859
Charge-offs | 0 | 0
Recoveries | 3 | 4
Provision & Transfers | 17 | 186
Ending Allowance | 3,069 | 3,049
Provision (recapture) | 17 | 186
Consumer loans | Consumer |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |
Beginning Allowance | 2,817 | 2,832
Charge-offs | (1,334) | (518)
Recoveries | 354 | 647
Provision & Transfers | 1,086 | (144)
Ending Allowance | 2,923 | 2,817
Provision (recapture) | $ 1,086 | $ (144)

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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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