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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
 3 Months Ended
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES    
Net income $ 47,267,000 $ 58,453,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation, amortization, accretion and other, net 44,350,000 (22,095,000)
Stock-based compensation expense 1,851,000 2,293,000
Loss (gain) on sale of investment securities (20,000) (81,000)
Net realized (gain) loss on sales of premises, equipment, and real estate owned (433,000) (3,571,000)
Impairment loss on premises and equipment 34,000 0
Decrease (increase) in accrued interest receivable (320,000) (19,000)
Decrease (increase) in federal and state income tax receivable 8,189,000 8,451,000
Decrease (increase) in cash surrender value of bank owned life insurance (1,840,000) (1,639,000)
Decrease (increase) in other assets (25,136,000) 85,553,000
Increase (decrease) in federal and state income tax liabilities 0 1,478,000
Increase (decrease) in accrued expenses and other liabilities (24,512,000) (18,563,000)
Net cash provided by (used in) operating activities 49,430,000 110,260,000
CASH FLOWS FROM INVESTING ACTIVITIES    
Origination of loans and principal repayments, net (46,171,000) (81,947,000)
Loans purchased (133,641,000) 0
FHLB stock purchased (97,944,000) (156,375,000)
FHLB stock redeemed 65,166,000 145,255,000
Available-for-sale securities purchased (310,999,000) (49,380,000)
Principal payments and maturities of available-for-sale securities 114,882,000 64,120,000
Proceeds from sales of available-for-sale securities 797,000 2,624,000
Held-to-maturity securities purchased (114,182,000) 0
Principal payments and maturities of held-to-maturity securities 13,786,000 8,438,000
Proceeds from sales of real estate owned 1,846,000 4,762,000
Equity method investments purchased (3,000,000) 0
Increase in intangible assets 0 0
Net cash received (paid) in business combinations (360,000) (750,000)
Proceeds from sales of premises and equipment 1,689,000 421,000
Premises and equipment purchased and REO improvements (6,446,000) (8,195,000)
Net cash provided by (used in) investing activities (514,577,000) (71,027,000)
CASH FLOWS FROM FINANCING ACTIVITIES    
Net increase (decrease) in customer accounts 64,807,000 (31,542,000)
Proceeds from borrowings 2,168,400,000 6,050,000,000
Repayments of borrowings (2,575,001,000) (5,825,000,000)
Proceeds from stock-based awards 2,510,000 1,220,000
Dividends paid on common stock (20,923,000) (15,989,000)
Dividends paid on preferred stock (3,656,000) (3,656,000)
Proceeds from employee stock purchase 195,000 229,000
Treasury stock purchased (3,410,000) (17,064,000)
Increase (decrease) in advances payments by borrowers for taxes and insurance (41,142,000) (33,306,000)
Net cash provided by (used in) financing activities (408,220,000) 124,892,000
Increase (decrease) in cash and cash equivalents (873,367,000) 164,125,000
Cash, cash equivalents and restricted cash at beginning of period 2,381,102,000 980,649,000
Cash, cash equivalents and restricted cash at end of period 1,507,735,000 1,144,774,000
Non-cash financing activities    
Preferred stock dividend payable 3,656,000 3,656,000
Cash paid (received) during the period for    
Interest 228,660,000 131,204,000
Income tax $ 200,000 $ (738,000)