SEGMENT REPORTING (Tables)

6 Months Ended

Mar. 31, 2026

The following table presents segment data for the Company:


(Dollars in thousands)	Consumer				Commercial				Corporate Services/Other				Total
Three Months Ended March 31,	2026		2025		2026		2025		2026		2025		2026		2025
Interest and dividend income	$	77,109	$	87,326	$	81,463	$	73,055	$	(27,696)	$	(18,377)	$	130,876	$	142,004
Interest expense	10,926		11,693		36,088		31,068		(41,262)		(37,036)		5,752		5,725
Net interest income	66,183		75,633		45,375		41,987		13,566		18,659		125,124		136,279
Provision for (reversal of) credit loss	23,164		31,739		22,489		3,508		(37)		19		45,616		35,266
Net interest income after provision for (reversal of) credit loss	43,019		43,894		22,886		38,479		13,603		18,640		79,508		101,013
Noninterest income	131,271		114,027		18,642		18,118		1,267		6,379		151,180		138,524
Noninterest expense
Compensation and benefits	8,729		7,868		10,295		12,209		36,381		31,828		55,405		51,905
Building and software	2,956		2,399		2,343		2,353		6,902		5,554		12,201		10,306
Operating lease equipment depreciation	—		—		9,075		11,779		—		—		9,075		11,779
Rate related card expenses	25,419		28,380		—		—		—		—		25,419		28,380
Other card expenses	8,044		7,846		—		—		12		13		8,056		7,859
Tax product expenses	10,551		9,740		—		—		—		—		10,551		9,740
Loan expenses	3		8		6,207		3,491		—		—		6,210		3,499
Legal and consulting	530		551		756		994		4,045		4,334		5,331		5,879
SG & A intercompany allocations	18,204		17,830		8,703		7,085		(26,907)		(24,915)		—		—
Consumer lending program expenses	153		5,657		—		—		—		—		153		5,657
Other expenses	4,542		4,499		1,372		2,777		5,141		5,897		11,055		13,173
Total noninterest expense	79,131		84,778		38,751		40,688		25,574		22,711		143,456		148,177
Income (loss) before income tax expense	95,159		73,143		2,777		15,909		(10,704)		2,308		87,232		91,360

Total assets	355,864		431,962		4,511,809		3,975,353		2,244,726		2,587,471		7,112,399		6,994,786
Total goodwill	87,145		87,145		210,783		210,783		—		—		297,928		297,928
Total deposits	5,588,918		5,633,529		174		140		262,604		185,540		5,851,696		5,819,209

Six Months Ended March 31,
Interest and dividend income	$	149,613	$	170,699	$	165,298	$	147,669	$	(62,813)	$	(48,008)	$	252,098	$	270,360
Interest expense	12,538		14,005		70,103		62,389		(75,005)		(67,562)		7,636		8,832
Net interest income	137,075		156,694		95,195		85,280		12,192		19,554		244,462		261,528
Provision for (reversal of) credit loss	25,888		42,463		22,999		11,339		(41)		125		48,846		53,927
Net interest income after provision for (reversal of) credit loss	111,187		114,231		72,196		73,941		12,233		19,429		195,616		207,601
Noninterest income	163,332		147,629		39,251		39,357		2,360		8,916		204,943		195,902
Noninterest expense
Compensation and benefits	16,673		15,625		21,885		25,550		68,711		60,022		107,269		101,197
Building and software	5,874		4,624		4,743		4,624		14,164		10,765		24,781		20,013
Operating lease equipment depreciation	—		—		19,070		23,206		—		—		19,070		23,206
Rate related card expenses	49,219		54,004		—		—		—		—		49,219		54,004
Other card expenses	14,670		15,528		—		—		23		20		14,693		15,548
Tax product expenses	10,697		9,882		—		—		—		—		10,697		9,882
Loan expenses	1,081		1,124		10,862		6,780		—		—		11,943		7,904
Legal and consulting	1,108		1,132		1,668		1,961		8,109		8,010		10,885		11,103


SG & A intercompany allocations	37,057	34,687	16,757	15,143	(53,814)	(49,830)	—	—
Consumer lending program expenses	276	9,895	—	—	—	—	276	9,895
Other expenses	8,905	8,514	2,830	4,245	10,101	10,462	21,836	23,221
Total noninterest expense	145,560	155,015	77,815	81,509	47,294	39,449	270,669	275,973
Income (loss) before income tax expense	128,959	106,845	33,632	31,789	(32,701)	(11,104)	129,890	127,530

Total assets	355,864	431,962	4,511,809	3,975,353	2,244,726	2,587,471	7,112,399	6,994,786
Total goodwill	87,145	87,145	210,783	210,783	—	—	297,928	297,928
Total deposits	5,588,918	5,633,529	174	140	262,604	185,540	5,851,696	5,819,209