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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 | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Sep. 30, 2024
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance |  |  | $ 71,765 |  |
Provision (Reversal) | $ 9,278 | $ 11,927 | 63,205 | $ 49,429 |
Ending Balance | 105,995 |  | 105,995 |  | $ 71,765
Total Committed Loans |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 102,890 | 111,282 | 71,765 | 96,855 | 96,855
Provision (Reversal) | 9,231 | 11,687 | 63,002 | 48,718 |
Charge-offs | (10,036) | (18,565) | (42,764) | (49,750) |
Recoveries | 3,910 | 2,361 | 13,992 | 10,942 |
Ending Balance | 105,995 | 106,765 | 105,995 | 106,765 | 71,765
Unfunded commitments |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 851 | 743 | 695 | 272 | 272
Provision (Reversal) | 47 | 240 | 203 | 711 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 898 | 983 | 898 | 983 | 695
Total Loans |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 103,741 | 112,025 | 72,460 | 97,127 | 97,127
Provision (Reversal) | 9,278 | 11,927 | 63,205 | 49,429 |
Charge-offs | (10,036) | (18,565) | (42,764) | (49,750) |
Recoveries | 3,910 | 2,361 | 13,992 | 10,942 |
Ending Balance | 106,893 | 107,748 | 106,893 | 107,748 | 72,460
National Lending | Term lending |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 26,219 | 28,627 | 30,394 | 25,686 | 25,686
Provision (Reversal) | 3,514 | 5,962 | 12,187 | 18,087 |
Charge-offs | (1,333) | (4,628) | (15,916) | (14,925) |
Recoveries | 976 | 698 | 2,711 | 1,811 |
Ending Balance | 29,376 | 30,659 | 29,376 | 30,659 | 30,394
National Lending | Asset-based lending |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 2,030 | 1,215 | 1,356 | 2,738 | 2,738
Provision (Reversal) | 5,844 | 10 | 6,690 | (1,754) |
Charge-offs | (539) | 0 | (711) | 0 |
Recoveries | 0 | 9 | 0 | 250 |
Ending Balance | 7,335 | 1,234 | 7,335 | 1,234 | 1,356
National Lending | Factoring |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 4,934 | 6,814 | 5,757 | 6,566 | 6,566
Provision (Reversal) | 516 | 1,369 | (421) | 1,497 |
Charge-offs | (464) | (2,389) | (634) | (2,424) |
Recoveries | 391 | 18 | 675 | 173 |
Ending Balance | 5,377 | 5,812 | 5,377 | 5,812 | 5,757
National Lending | Lease financing |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 1,243 | 1,551 | 1,189 | 3,302 | 3,302
Provision (Reversal) | 219 | (86) | 1,346 | (1,867) |
Charge-offs | (344) | 0 | (1,426) | (125) |
Recoveries | 12 | 29 | 21 | 184 |
Ending Balance | 1,130 | 1,494 | 1,130 | 1,494 | 1,189
National Lending | SBA/USDA |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 4,021 | 2,942 | 3,273 | 2,962 | 2,962
Provision (Reversal) | 1,427 | 358 | 3,033 | 338 |
Charge-offs | (421) | (456) | (1,327) | (456) |
Recoveries | 1 | 0 | 49 | 0 |
Ending Balance | 5,028 | 2,844 | 5,028 | 2,844 | 3,273
National Lending | Other commercial finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 384 | 1,720 | 607 | 3,089 | 3,089
Provision (Reversal) | (195) | (321) | (418) | (1,690) |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 189 | 1,399 | 189 | 1,399 | 607
National Lending | Commercial finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 38,831 | 44,278 | 42,576 | 46,980 | 46,980
Provision (Reversal) | 11,325 | 7,772 | 22,508 | 14,320 |
Charge-offs | (3,101) | (7,736) | (20,107) | (18,853) |
Recoveries | 1,380 | 780 | 3,458 | 2,647 |
Ending Balance | 48,435 | 45,094 | 48,435 | 45,094 | 42,576
National Lending | Consumer finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 29,635 | 35,081 | 28,669 | 49,496 | 49,496
Provision (Reversal) | 2,613 | 7,145 | 17,597 | 11,033 |
Charge-offs | (6,381) | (10,009) | (21,362) | (28,932) |
Recoveries | 600 | 351 | 1,563 | 971 |
Ending Balance | 26,467 | 32,568 | 26,467 | 32,568 | 28,669
National Lending | Tax services |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 33,781 | 31,528 | 2 | 2 | 2
Provision (Reversal) | (4,728) | (3,285) | 22,751 | 23,292 |
Charge-offs | (554) | (820) | (1,295) | (1,965) |
Recoveries | 1,930 | 1,230 | 8,971 | 7,324 |
Ending Balance | 30,429 | 28,653 | 30,429 | 28,653 | 2
National Lending | Warehouse finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 643 | 395 | 518 | 377 | 377
Provision (Reversal) | 21 | 55 | 146 | 73 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 664 | 450 | 664 | 450 | 518
National Lending | Insurance premium finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance |  | 1,409 | 0 | 2,637 | 2,637
Provision (Reversal) |  | 480 | 91 | (291) |
Charge-offs |  | (263) | (93) | (923) |
Recoveries |  | 26 | 2 | 229 |
Ending Balance | $ 0 | $ 1,652 | $ 0 | $ 1,652 | $ 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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