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CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS (Tables) | 12 Months Ended
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Sep. 30, 2025
CAPITAL REQUIREMENTS AND RESTRICTIONS ON RETAINED EARNINGS [Abstract] |
Bank's Actual and Required Capital Amount and Ratios | The table below includes certain non-GAAP financial measures that are used by investors, analysts and bank regulatory agencies to assess the capital position of financial services companies. Management reviews these measures along with other measures of capital as part of its financial analyses and has included this non-GAAP financial information, and the corresponding reconciliation to total equity.
| Company | Bank | Minimum to be Adequately Capitalized Under Prompt Corrective Action Provisions | Minimum to be Well Capitalized Under Prompt Corrective Action Provisions
September 30, 2025 |  |  |  |
Tier 1 leverage capital ratio | 9.79 | % | 10.00 | % | 4.00 | % | 5.00 | %
Common equity Tier 1 capital ratio | 12.70 |  | 13.23 |  | 4.50 |  | 6.50 |
Tier 1 capital ratio | 12.95 |  | 13.23 |  | 6.00 |  | 8.00 |
Total capital ratio | 14.27 |  | 14.19 |  | 8.00 |  | 10.00 |
September 30, 2024 |  |  |  |
Tier 1 leverage capital ratio | 9.05 | % | 9.22 | % | 4.00 | % | 5.00 | %
Common equity Tier 1 capital ratio | 12.26 |  | 12.78 |  | 4.50 |  | 6.50 |
Tier 1 capital ratio | 12.52 |  | 12.78 |  | 6.00 |  | 8.00 |
Total capital ratio | 14.14 |  | 14.03 |  | 8.00 |  | 10.00 |
Reconciliation of Required Capital Amount and Ratios | The following table provides a reconciliation of the amounts included in the table above for the Company.
| Standardized Approach(1)
(Dollars in thousands) | September 30, 2025 |  | September 30, 2024
Total stockholders' equity | $ | 857,454 |  |  | $ | 822,189 |
Adjustments: |  |  |
LESS: Goodwill, net of associated deferred tax liabilities | 285,158 |  |  | 296,105 |
LESS: Certain other intangible assets | 18,077 |  |  | 18,018 |
LESS: Net deferred tax assets from operating loss and tax credit carry-forwards | 5,733 |  |  | 15,624 |
LESS: Net unrealized (losses) on available for sale securities | (143,190) |  |  | (152,328) |
LESS: Noncontrolling interest | (591) |  |  | (277) |
ADD: Adoption of Accounting Standards Update 2016-13 | 1,788 |  |  | 3,576 |
Common Equity Tier 1(1) | 694,055 |  |  | 648,623 |
Long-term borrowings and other instruments qualifying as Tier 1 | 13,661 |  |  | 13,661 |
Tier 1 minority interest not included in common equity Tier 1 capital | (307) |  |  | (150) |
Total Tier 1 capital | 707,409 |  |  | 662,134 |
Allowance for credit losses | 52,455 |  |  | 66,140 |
Subordinated debentures, net of issuance costs | 19,796 |  |  | 19,693 |
Total capital | $ | 779,660 |  |  | $ | 747,967 |
(1) Capital ratios were determined using the Basel III capital rules that became effective on January 1, 2015. Basel III revised the definition of capital, increased minimum capital ratios, and introduced a minimum common equity tier 1 capital ratio; those changes were fully phased in through the end of 2021.

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- Definition Tabular disclosure of the reconciliation for capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References No definition available. + Details
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- Definition Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1B -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1B + Details
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