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v3.25.2

LOANS AND LEASES, NET - Allowance for Loan Losses and Recorded Investment in Loans (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
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance |  |  | $ 71,765 |  |
Provision (Reversal) | $ 35,266 | $ 29,744 | 53,927 | $ 37,502 |
Ending Balance | 102,890 |  | 102,890 |  | $ 71,765
Total Committed Loans |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 74,337 | 91,040 | 71,765 | 96,855 | 96,855
Provision (Reversal) | 34,928 | 29,597 | 53,771 | 37,031 |
Charge-offs | (15,001) | (16,278) | (32,728) | (31,186) |
Recoveries | 8,626 | 6,923 | 10,082 | 8,582 |
Ending Balance | 102,890 | 111,282 | 102,890 | 111,282 | 71,765
Unfunded commitments |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 513 | 596 | 695 | 272 | 272
Provision (Reversal) | 338 | 147 | 156 | 471 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 851 | 743 | 851 | 743 | 695
Total Loans |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 74,850 | 91,636 | 72,460 | 97,127 | 97,127
Provision (Reversal) | 35,266 | 29,744 | 53,927 | 37,502 |
Charge-offs | (15,001) | (16,278) | (32,728) | (31,186) |
Recoveries | 8,626 | 6,923 | 10,082 | 8,582 |
Ending Balance | 103,741 | 112,025 | 103,741 | 112,025 | 72,460
National Lending | Term lending |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 29,925 | 27,013 | 30,394 | 25,686 | 25,686
Provision (Reversal) | 1,384 | 6,303 | 8,673 | 12,125 |
Charge-offs | (6,208) | (5,176) | (14,583) | (10,297) |
Recoveries | 1,118 | 487 | 1,735 | 1,113 |
Ending Balance | 26,219 | 28,627 | 26,219 | 28,627 | 30,394
National Lending | Asset-based lending |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 1,762 | 1,370 | 1,356 | 2,738 | 2,738
Provision (Reversal) | 440 | (254) | 846 | (1,764) |
Charge-offs | (172) | 0 | (172) | 0 |
Recoveries | 0 | 99 | 0 | 241 |
Ending Balance | 2,030 | 1,215 | 2,030 | 1,215 | 1,356
National Lending | Factoring |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 5,765 | 7,433 | 5,757 | 6,566 | 6,566
Provision (Reversal) | (767) | (623) | (937) | 128 |
Charge-offs | (96) | (12) | (170) | (35) |
Recoveries | 32 | 16 | 284 | 155 |
Ending Balance | 4,934 | 6,814 | 4,934 | 6,814 | 5,757
National Lending | Lease financing |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 881 | 4,008 | 1,189 | 3,302 | 3,302
Provision (Reversal) | 1,374 | (2,547) | 1,127 | (1,781) |
Charge-offs | (1,019) |  | (1,082) | (125) |
Recoveries | 7 | 62 | 9 | 155 |
Ending Balance | 1,243 | 1,551 | 1,243 | 1,551 | 1,189
National Lending | Lease financing, net of adjustments |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Charge-offs |  | 28 |  |  |
National Lending | SBA/USDA |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 3,807 | 3,289 | 3,273 | 2,962 | 2,962
Provision (Reversal) | 775 | (347) | 1,606 | (20) |
Charge-offs | (609) | 0 | (906) | 0 |
Recoveries | 48 | 0 | 48 | 0 |
Ending Balance | 4,021 | 2,942 | 4,021 | 2,942 | 3,273
National Lending | Other commercial finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 421 | 3,312 | 607 | 3,089 | 3,089
Provision (Reversal) | (37) | (1,592) | (223) | (1,369) |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 384 | 1,720 | 384 | 1,720 | 607
National Lending | Commercial finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 42,561 | 48,548 | 42,576 | 46,980 | 46,980
Provision (Reversal) | 3,169 | 408 | 11,183 | 6,548 |
Charge-offs | (8,104) | (5,455) | (17,006) | (11,117) |
Recoveries | 1,205 | 777 | 2,078 | 1,867 |
Ending Balance | 38,831 | 44,278 | 38,831 | 44,278 | 42,576
National Lending | Consumer finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 30,361 | 41,635 | 28,669 | 49,496 | 49,496
Provision (Reversal) | 5,563 | 3,923 | 14,984 | 3,888 |
Charge-offs | (6,897) | (10,823) | (14,981) | (18,924) |
Recoveries | 608 | 346 | 963 | 621 |
Ending Balance | 29,635 | 35,081 | 29,635 | 35,081 | 28,669
National Lending | Tax services |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 790 | 507 | 2 | 2 | 2
Provision (Reversal) | 26,178 | 25,221 | 27,479 | 26,577 |
Charge-offs | 0 | 0 | (741) | (1,145) |
Recoveries | 6,813 | 5,800 | 7,041 | 6,094 |
Ending Balance | 33,781 | 31,528 | 33,781 | 31,528 | 2
National Lending | Warehouse finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 625 | 350 | 518 | 377 | 377
Provision (Reversal) | 18 | 45 | 125 | 18 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 643 | 395 | 643 | 395 | 518
National Lending | Insurance premium finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance |  | 2,123 | 0 | 2,637 | 2,637
Provision (Reversal) |  | (532) | 91 | (771) |
Charge-offs |  | (295) | (93) | (660) |
Recoveries |  | 113 | 2 | 203 |
Ending Balance | $ 0 | $ 1,409 | $ 0 | $ 1,409 | $ 0

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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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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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