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Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Mar. 31, 2025
Mar. 31, 2024
Interest and dividend income:        
Loans and leases, including fees $ 119,755 $ 113,083 $ 231,604 $ 216,937
Mortgage-backed securities 8,580 9,998 17,566 20,047
Other investments 13,669 14,013 21,190 24,899
Total interest and dividend income 142,004 137,094 270,360 261,883
Interest expense:        
Deposits 4,086 6,685 4,861 10,211
FHLB advances and other borrowings 1,639 1,775 3,971 4,111
Total interest expense 5,725 8,460 8,832 14,322
Net interest income 136,279 128,634 261,528 247,561
Provision for credit loss 35,266 29,744 53,927 37,502
Net interest income after provision for credit loss 101,013 98,890 207,601 210,059
Noninterest income:        
(Loss) on sale of securities (7,228) 0 (22,899) 0
Gain (loss) on divestitures (1,360) 0 15,044 0
Secondary market revenue 15,378 1,401 19,755 1,370
Gain on sale of other 627 294 1,614 3,165
Other income 5,866 6,044 13,438 11,223
Noninterest income 138,524 128,945 195,902 181,706
Noninterest expense:        
Compensation and benefits 51,905 54,073 101,197 100,725
Refund transfer product expense 8,475 7,366 8,583 7,558
Refund advance expense 1,265 1,846 1,299 1,876
Card processing 36,239 35,163 69,552 69,747
Occupancy and equipment expense 10,306 9,293 20,013 18,141
Operating lease equipment depreciation 11,779 10,424 23,206 20,847
Legal and consulting 5,879 6,141 11,103 11,033
Intangible amortization 1,082 1,240 1,894 2,224
Impairment expense 1,514 2,013 1,514 2,013
Other expense 19,733 13,183 37,612 27,655
Total noninterest expense 148,177 140,742 275,973 261,819
Income before income tax expense 91,360 87,093 127,530 129,946
Income tax expense 16,166 16,926 22,171 24,623
Net income before noncontrolling interest 75,194 70,167 105,359 105,323
Net income attributable to noncontrolling interest 237 249 436 506
Net income attributable to parent $ 74,957 $ 69,918 $ 104,923 $ 104,817
Earnings per common share:        
Basic (in dollars per share) $ 3.16 $ 2.74 $ 4.37 $ 4.07
Diluted (in dollars per share) $ 3.14 $ 2.74 $ 4.35 $ 4.07
Refund transfer product fees        
Noninterest income:        
Noninterest income: $ 32,663 $ 28,942 $ 33,073 $ 29,364
Refund advance and other tax fee income        
Noninterest income:        
Noninterest income: 48,585 43,200 49,110 43,311
Card and deposit fees        
Noninterest income:        
Noninterest income: 30,793 35,344 59,859 66,094
Rental income        
Noninterest income:        
Noninterest income: $ 13,200 $ 13,720 $ 26,908 $ 27,179