XML 61 R49.htm IDEA: XBRL DOCUMENT 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