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Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Jun. 30, 2025
Jun. 30, 2024
Interest and dividend income:        
Loans and leases, including fees $ 108,766 $ 107,762 $ 340,370 $ 324,699
Mortgage-backed securities 8,337 9,748 25,903 29,795
Other investments 6,489 8,323 27,679 33,222
Total interest and dividend income 123,592 125,833 393,952 387,716
Interest expense:        
Deposits 287 1,689 5,147 11,900
FHLB advances and other borrowings 992 1,394 4,963 5,505
Total interest expense 1,279 3,083 10,110 17,405
Net interest income 122,313 122,750 383,842 370,311
Provision for credit loss 9,278 11,927 63,205 49,429
Net interest income after provision for credit loss 113,035 110,823 320,637 320,882
Noninterest income:        
(Loss) on sale of securities 0 0 (22,899) 0
Gain (loss) on divestitures 0 0 15,044 0
Secondary market revenue 7,144 1,721 26,900 3,091
Gain on sale of other 394 2,954 2,007 6,119
Other income 5,496 4,965 18,934 16,188
Noninterest income 73,442 65,871 269,344 247,577
Noninterest expense:        
Compensation and benefits 48,559 48,449 149,755 149,174
Refund transfer product expense 2,818 2,136 11,401 9,694
Refund advance expense (74) 47 1,225 1,923
Card processing 36,197 34,314 105,750 104,061
Occupancy and equipment expense 10,633 9,070 30,646 27,211
Operating lease equipment depreciation 11,569 10,465 34,775 31,312
Legal and consulting 11,094 5,410 22,197 16,443
Intangible amortization 798 983 2,693 3,207
Impairment expense 1,077 999 2,590 3,012
Other expense 16,651 13,637 54,264 41,292
Total noninterest expense 139,322 125,510 415,296 387,329
Income before income tax expense 47,155 51,184 174,685 181,130
Income tax expense 4,795 6,103 26,966 30,726
Net income before noncontrolling interest 42,360 45,081 147,719 150,404
Net income attributable to noncontrolling interest 213 212 650 718
Net income attributable to parent $ 42,147 $ 44,869 $ 147,069 $ 149,686
Earnings per common share:        
Basic (in dollars per share) $ 1.83 $ 1.78 $ 6.20 $ 5.86
Diluted (in dollars per share) $ 1.81 $ 1.78 $ 6.17 $ 5.85
Refund transfer product fees        
Noninterest income:        
Noninterest income: $ 9,846 $ 9,111 $ 42,919 $ 38,475
Refund advance and other tax fee income        
Noninterest income:        
Noninterest income: 307 (67) 49,416 43,244
Card and deposit fees        
Noninterest income:        
Noninterest income: 37,342 33,408 97,201 99,502
Rental income        
Noninterest income:        
Noninterest income: $ 12,913 $ 13,779 $ 39,822 $ 40,958