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INCOME TAXES (Tables)

12 Months Ended

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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Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.

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Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.

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Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.

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Schedule Of Investment Program, Proportional Amortization Method

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