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INCOME TAXES - Net Deferred Tax Asset (Liability) (Details) - USD ($) $ in Thousands | Sep. 30, 2025 | Sep. 30, 2024
--- | --- | ---
Deferred tax assets |  |
Allowance for credit losses | $ 52,275 | $ 53,227
Non-accrual loan interest | 4,752 | 3,124
Accrued bonus and deferred compensation | 7,497 | 7,815
Stock based compensation | 3,552 | 4,696
Lease liability | 12,314 | 9,626
Loan purchase discount | 42,273 | 48,064
Loss carryover | 62,413 | 68,483
Other | 1,289 | 2,219
Total deferred tax assets | 186,365 | 197,254
Deferred tax liabilities |  |
FHLB stock dividends | 5,932 | 6,171
Net unrealized gain on available-for-sale securities and cash flow hedges | 14,097 | 13,758
Loan origination fees and costs | 11,475 | 11,777
Premises and equipment | 16,637 | 16,390
Lease right-of-use assets | 11,337 | 9,304
Equity investments | 3,444 | 3,700
Acquired intangibles | 11,598 | 12,824
Other | 184 | 184
Total deferred tax liabilities | 74,704 | 74,108
Net deferred tax asset | 111,661 | 123,146
Current tax asset (liability) | 1,123 | (3,898)
Net tax asset (liability) | $ 112,784 | $ 119,248

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