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v3.26.1

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, 2026 | Mar. 31, 2025 | Mar. 31, 2026 | Mar. 31, 2025 | Sep. 30, 2025
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance |  |  | $ 53,319 |  |
Ending Balance | $ 98,279 |  | 98,279 |  | $ 53,319
Total loans and leases |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 58,840 | $ 74,337 | 53,319 | $ 71,765 | 71,765
Provision (Reversal) | 45,276 | 34,928 | 48,584 | 53,771 |
Charge-offs | (16,767) | (15,001) | (20,174) | (32,728) |
Recoveries | 10,930 | 8,626 | 16,550 | 10,082 |
Ending Balance | 98,279 | 102,890 | 98,279 | 102,890 | 53,319
Unfunded commitments |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 846 | 513 | 924 | 695 | 695
Provision (Reversal) | 340 | 338 | 262 | 156 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 1,186 | 851 | 1,186 | 851 | 924
Total |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 59,686 | 74,850 | 54,243 | 72,460 | 72,460
Provision (Reversal) | 45,616 | 35,266 | 48,846 | 53,927 |
Charge-offs | (16,767) | (15,001) | (20,174) | (32,728) |
Recoveries | 10,930 | 8,626 | 16,550 | 10,082 |
Ending Balance | 99,465 | 103,741 | 99,465 | 103,741 | 54,243
National Lending | Term lending |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 28,771 | 29,925 | 28,345 | 30,394 | 30,394
Provision (Reversal) | 11,486 | 1,384 | 10,226 | 8,673 |
Charge-offs | (7,180) | (6,208) | (8,261) | (14,583) |
Recoveries | 667 | 1,118 | 3,434 | 1,735 |
Ending Balance | 33,744 | 26,219 | 33,744 | 26,219 | 28,345
National Lending | Asset-based lending |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 9,694 | 1,762 | 7,650 | 1,356 | 1,356
Provision (Reversal) | 8,351 | 440 | 10,389 | 846 |
Charge-offs | (6,085) | (172) | (6,085) | (172) |
Recoveries | 9 | 0 | 15 | 0 |
Ending Balance | 11,969 | 2,030 | 11,969 | 2,030 | 7,650
National Lending | Factoring |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 3,784 | 5,765 | 4,319 | 5,757 | 5,757
Provision (Reversal) | 1,073 | (767) | 536 | (937) |
Charge-offs | 0 | (96) | 0 | (170) |
Recoveries | 117 | 32 | 119 | 284 |
Ending Balance | 4,974 | 4,934 | 4,974 | 4,934 | 4,319
National Lending | Lease financing |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 1,037 | 881 | 1,040 | 1,189 | 1,189
Provision (Reversal) | (190) | 1,374 | (228) | 1,127 |
Charge-offs | (15) | (1,019) | (37) | (1,082) |
Recoveries | 6 | 7 | 63 | 9 |
Ending Balance | 838 | 1,243 | 838 | 1,243 | 1,040
National Lending | Insurance premium finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance |  |  |  | 0 | 0
Provision (Reversal) |  |  |  | 91 |
Charge-offs |  |  |  | (93) |
Recoveries |  |  |  | 2 |
Ending Balance |  | 0 |  | 0 |
National Lending | SBA/USDA |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 4,709 | 3,807 | 4,807 | 3,273 | 3,273
Provision (Reversal) | 1,495 | 775 | 1,868 | 1,606 |
Charge-offs | (1,981) | (609) | (2,457) | (906) |
Recoveries | 12 | 48 | 17 | 48 |
Ending Balance | 4,235 | 4,021 | 4,235 | 4,021 | 4,807
National Lending | Other commercial finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 102 | 421 | 90 | 607 | 607
Provision (Reversal) | (66) | (37) | (54) | (223) |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | 36 | 384 | 36 | 384 | 90
National Lending | Commercial finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 48,097 | 42,561 | 46,251 | 42,576 | 42,576
Provision (Reversal) | 22,149 | 3,169 | 22,737 | 11,183 |
Charge-offs | (15,261) | (8,104) | (16,840) | (17,006) |
Recoveries | 811 | 1,205 | 3,648 | 2,078 |
Ending Balance | 55,796 | 38,831 | 55,796 | 38,831 | 46,251
National Lending | Consumer finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 9,040 | 30,361 | 6,422 | 28,669 | 28,669
Provision (Reversal) | (1,312) | 5,563 | 2,810 | 14,984 |
Charge-offs | (1,506) | (6,897) | (3,334) | (14,981) |
Recoveries | 367 | 608 | 691 | 963 |
Ending Balance | 6,589 | 29,635 | 6,589 | 29,635 | 6,422
National Lending | Tax services |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 1,061 | 790 | 0 | 2 | 2
Provision (Reversal) | 24,476 | 26,178 | 23,078 | 27,479 |
Charge-offs | 0 | 0 | 0 | (741) |
Recoveries | 9,752 | 6,813 | 12,211 | 7,041 |
Ending Balance | 35,289 | 33,781 | 35,289 | 33,781 | 0
National Lending | Warehouse finance |  |  |  |  |
Allowance for Credit Losses [Roll Forward] |  |  |  |  |
Beginning Balance | 642 | 625 | 646 | 518 | 518
Provision (Reversal) | (37) | 18 | (41) | 125 |
Charge-offs | 0 | 0 | 0 | 0 |
Recoveries | 0 | 0 | 0 | 0 |
Ending Balance | $ 605 | $ 643 | $ 605 | $ 643 | $ 646

X
- 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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