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INCOME TAXES (Tables) | 12 Months Ended
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Sep. 30, 2025
Income Tax Disclosure [Abstract] |
Schedule of Major Sources of Temporary Differences and Deferred Tax Effects | The table below provides a summary of the Company's tax assets and liabilities, including deferred tax assets and deferred tax liabilities by major source. Deferred tax balances represent temporary differences between the financial statement and corresponding tax treatment of income, gains, losses, deductions or credits. With the completion of the Merger in 2024, the deferred tax amounts now include a number of deferred tax items carried over from LBC, as well as new deferred tax items created as a consequence of the purchase accounting process and post-merger asset sales. In particular, deferred tax assets now include significant new items for loan purchase discount and loss carryover.
| September 30, 2025 | September 30, 2024
| (In thousands)
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 (liability) | 111,661 | 123,146
Current tax asset (liability) | 1,123 | (3,898)
Net tax asset (liability) | $112,784 | $119,248
Schedule of Effective Income Tax Rate Reconciliation | The table below presents a reconciliation of the statutory federal income tax rate to the Company's effective income tax rate.
Year ended September 30, | 2025 | 2024 | 2023
Statutory income tax rate | 21.0% | 21.0% | 21.0%
State income tax | 2.3 | 2.3 | 1.7
Tax-exempt interest income | (1.7) | (2.1) | (1.2)
Interest expense disallowance | 0.9 | 1.2 | 0.5
Low-income housing investments | (1.1) | (1.1) | (1.3)
Other differences | 0.6 | 0.6 | 0.1
Effective income tax rate | 22.0% | 21.9% | 20.8%
Schedule of Components of Income Tax Expense (Benefit) | The following table summarizes the Company's income tax expense (benefit) for the respective periods.
Year ended September 30, | 2025 | 2024 | 2023
| (In thousands)
Federal: |  |  |
Current | $45,850 | $54,817 | $58,667
Deferred | 11,115 | (4,767) | 3,334
| 56,965 | 50,050 | 62,001
State: |  |  |
Current | 6,578 | 7,837 | 4,425
Deferred | 31 | (1,872) | 1,224
| 6,609 | 5,965 | 5,649
Total |  |  |
Current | 52,428 | 62,654 | 63,092
Deferred | 11,146 | (6,639) | 4,558
| $63,574 | $56,015 | $67,650
Schedule of LIHTC Portfolio Amounts | The table below shows the total amounts of tax benefits and the amortization amounts from our LIHTC portfolio that are recognized in our income tax expense for the fiscal years ended September 30, 2025 and September 30, 2024.
| 2025 | 2024
| (In thousands)
LIHTC tax benefits as of September 30, | $19,135 | $19,156
LIHTC amortization expense for the year ended September 30, | 16,093 | 16,434

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