XML 108 R90.htm IDEA: XBRL DOCUMENT v3.25.3
INCOME TAXES (Details) - USD ($)
$ in Thousands
 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2023
Federal:      
Current $ 10,407 $ 9,770 $ 8,792
Deferred 15,754 13,276 (6,688)
Federal income tax expense 26,161 23,046 2,104
State:      
Current 9,060 8,172 7,935
Deferred 1,045 2,890 (452)
State tax expense 10,105 11,062 7,483
Income tax expense 36,266 34,108 9,587
Deferred tax assets:      
Allowance for credit losses 12,938 17,647  
Deferred compensation 4,511 4,351  
Stock based compensation 2,084 2,402  
Valuation adjustments 78 175  
General business credits 49,070 55,471  
Accrued expenses 2,807 2,763  
Lease liability 5,930 6,503  
Net unrealized loss on securities available for sale 47,167 50,819  
Premises and equipment 4,998 3,939  
Deferred income 2,386 0  
Other assets 2,276 3,940  
Gross deferred tax assets 134,245 148,010  
Deferred tax liabilities:      
Intangibles (8,366) (7,859)  
Leased assets (80,012) (76,016)  
Right-of-use assets (5,678) (6,218)  
Life insurance redemption (3,493) 0  
Other liabilities (466) (1,346)  
Gross deferred tax liabilities (98,015) (91,439)  
Net deferred tax assets 36,230 56,571  
Amount      
Statutory federal income tax expense and rate 46,841 45,910 32,559
Change in tax rate resulting from:      
State income taxes net of federal benefits 7,983 8,678 5,999
162(m) disallowance 1,540 1,874 919
Tax exempt income (636) (690) (783)
General business credits 20,773 21,132 28,633
Life insurance redemption 3,116 0 0
Other, net (1,805) (532) (474)
Income tax expense $ 36,266 $ 34,108 $ 9,587
Rate      
Statutory federal income tax expense and rate (percent) 21.00% 21.00% 21.00%
State income taxes net of federal benefits (percent) 3.60% 4.00% 3.90%
162 (m) disallowance (percent) 0.70% 0.90% 0.60%
Tax exempt income (percent) (0.30%) (0.30%) (0.50%)
General business credits (percent) 9.30% 9.70% 18.50%
Life insurance redemption (percent) 1.40% 0.00% 0.00%
Other, net (percent) (0.80%) (0.20%) (0.30%)
Total income tax expense (percent) 16.30% 15.70% 6.20%
Unrecognized Tax Benefits [Roll Forward]      
Balance at beginning of fiscal year $ 577 $ 521  
Reductions for tax positions related to prior years (78)    
Additions for tax positions related to prior years   56  
Balance at end of fiscal year $ 499 $ 577 $ 521