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v3.25.1

Allowance for Losses on Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Mar. 31, 2025 | Mar. 31, 2024 | Sep. 30, 2024
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | $ 204,522 | $ 179,320 | $ 203,753 | $ 177,207 | $ 177,207
Charge-offs | (5,443) | (345) | (6,228) | (638) |
Recoveries | 380 | 199 | 934 | 605 |
Provision & transfers | 3,250 | 22,403 | 4,250 | 24,403 |
Ending Allowance | 202,709 | 201,577 | 202,709 | 201,577 | 203,753
Financial Asset Acquired and No Credit Deterioration |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Provision & transfers |  | 16,000 |  |  |
Financial Asset Acquired with Credit Deterioration |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Provision & transfers |  | 7,403 |  | 7,403 |
Commercial loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 152,468 | 139,155 | 153,373 | 137,194 | 137,194
Charge-offs | (4,628) | (65) | (5,148) | (145) | (2,963)
Recoveries | 215 | 53 | 230 | 137 |
Provision & transfers | 3,226 | 10,270 | 2,826 | 12,227 |
Ending Allowance | 151,281 | 149,413 | 151,281 | 149,413 | 153,373
Commercial loans | Multi-family |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 25,997 | 13,791 | 25,248 | 13,155 | 13,155
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision & transfers | 559 | 8,188 | 1,308 | 8,824 |
Ending Allowance | 26,556 | 21,979 | 26,556 | 21,979 | 25,248
Commercial loans | Commercial real estate |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 37,873 | 29,007 | 39,210 | 28,842 | 28,842
Charge-offs | (4,392) | 0 | (4,555) | 0 | (203)
Recoveries | 169 | 0 | 169 | 2 |
Provision & transfers | 4,819 | 3,984 | 3,645 | 4,147 |
Ending Allowance | 38,469 | 32,991 | 38,469 | 32,991 | 39,210
Commercial loans | Commercial & industrial |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 60,474 | 60,836 | 58,748 | 58,773 | 58,773
Charge-offs | (236) | (65) | (593) | (127) | (2,611)
Recoveries | 38 | 32 | 42 | 64 |
Provision & transfers | (129) | (1,542) | 1,950 | 551 |
Ending Allowance | 60,147 | 59,261 | 60,147 | 59,261 | 58,748
Commercial loans | Construction |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 20,903 | 28,863 | 22,267 | 29,408 | 29,408
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision & transfers | (1,497) | (1,546) | (2,861) | (2,091) |
Ending Allowance | 19,406 | 27,317 | 19,406 | 27,317 | 22,267
Commercial loans | Land - acquisition & development |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 7,221 | 6,658 | 7,900 | 7,016 | 7,016
Charge-offs | 0 | 0 | 0 | (18) | (149)
Recoveries | 8 | 21 | 19 | 71 |
Provision & transfers | (526) | 1,186 | (1,216) | 796 |
Ending Allowance | 6,703 | 7,865 | 6,703 | 7,865 | 7,900
Consumer loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 52,054 | 40,165 | 50,380 | 40,013 | 40,013
Charge-offs | (815) | (280) | (1,080) | (493) | (662)
Recoveries | 165 | 146 | 704 | 468 |
Provision & transfers | 24 | 12,133 | 1,424 | 12,176 |
Ending Allowance | 51,428 | 52,164 | 51,428 | 52,164 | 50,380
Consumer loans | Construction |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 1,219 | 2,262 | 1,427 | 2,781 | 2,781
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Provision & transfers | (143) | (344) | (351) | (863) |
Ending Allowance | 1,076 | 1,918 | 1,076 | 1,918 | 1,427
Consumer loans | Single-family residential |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 42,117 | 28,556 | 40,523 | 28,029 | 28,029
Charge-offs | (338) | (131) | (338) | (131) | (144)
Recoveries | 7 | 55 | 463 | 175 |
Provision & transfers | (823) | 12,574 | 315 | 12,981 |
Ending Allowance | 40,963 | 41,054 | 40,963 | 41,054 | 40,523
Consumer loans | Land - consumer lot loans |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 2,527 | 3,345 | 2,564 | 3,512 | 3,512
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 46 | 0 | 55 |
Provision & transfers | (112) | (177) | (149) | (353) |
Ending Allowance | 2,415 | 3,214 | 2,415 | 3,214 | 2,564
Consumer loans | HELOC |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 3,158 | 2,973 | 3,049 | 2,859 | 2,859
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 1 | 2 | 2 |
Provision & transfers | 99 | 0 | 206 | 113 |
Ending Allowance | 3,257 | 2,974 | 3,257 | 2,974 | 3,049
Consumer loans | Consumer |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Beginning Allowance | 3,033 | 3,029 | 2,817 | 2,832 | 2,832
Charge-offs | (477) | (149) | (742) | (362) | (518)
Recoveries | 158 | 44 | 239 | 236 |
Provision & transfers | 1,003 | 80 | 1,403 | 298 |
Ending Allowance | 3,717 | 3,004 | 3,717 | 3,004 | $ 2,817
Unfunded commitments |  |  |  |  |
Financing Receivable, Allowance for Credit Loss [Roll Forward] |  |  |  |  |
Provision & transfers | $ 500 | $ 1,000 | $ 1,500 | $ 1,000 |

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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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