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Condensed Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Interest and dividend income:        
Loans and leases, including fees $ 114,829 $ 119,755 $ 222,604 $ 231,604
Mortgage-backed securities 7,590 8,580 15,402 17,566
Other investments 8,457 13,669 14,092 21,190
Total interest and dividend income 130,876 142,004 252,098 270,360
Interest expense:        
Deposits 4,274 4,086 4,480 4,861
FHLB advances and other borrowings 1,478 1,639 3,156 3,971
Total interest expense 5,752 5,725 7,636 8,832
Net interest income 125,124 136,279 244,462 261,528
Provision for credit loss 45,616 35,266 48,846 53,927
Net interest income after provision for credit loss 79,508 101,013 195,616 207,601
Noninterest income:        
(Loss) on sale of securities 0 (7,228) 0 (22,899)
Gain (loss) on divestitures 0 (1,360) 0 15,044
Secondary market revenue 3,574 15,378 7,731 19,755
Gain on sale of other 883 627 1,371 1,614
Other income 5,947 5,866 12,819 13,438
Total noninterest income 151,180 138,524 204,943 195,902
Noninterest expense:        
Compensation and benefits 55,405 51,905 107,269 101,197
Refund transfer product expense 9,127 8,475 9,200 8,583
Refund advance expense 1,425 1,265 1,497 1,299
Card processing 33,475 36,239 63,912 69,552
Building and software 12,201 10,306 24,781 20,013
Operating lease equipment depreciation 9,075 11,779 19,070 23,206
Legal and consulting 5,331 5,879 10,885 11,103
Intangible amortization 971 1,082 1,689 1,894
Impairment expense 0 1,514 0 1,514
Other expense 16,446 19,733 32,366 37,612
Total noninterest expense 143,456 148,177 270,669 275,973
Income before income tax expense 87,232 91,360 129,890 127,530
Income tax expense 14,171 16,166 21,364 22,171
Net income before noncontrolling interest 73,061 75,194 108,526 105,359
Net income attributable to noncontrolling interest 151 237 450 436
Net income attributable to parent $ 72,910 $ 74,957 $ 108,076 $ 104,923
Earnings per common share:        
Basic (in dollars per share) $ 3.37 $ 3.16 $ 4.91 $ 4.37
Diluted (in dollars per share) $ 3.35 $ 3.14 $ 4.89 $ 4.35
Refund transfer product fees        
Noninterest income:        
Noninterest income: $ 34,789 $ 32,663 $ 35,144 $ 33,073
Refund advance and other tax fee income        
Noninterest income:        
Noninterest income: 57,514 48,585 57,645 49,110
Card and deposit fees        
Noninterest income:        
Noninterest income: 37,526 30,793 67,666 59,859
Rental income        
Noninterest income:        
Noninterest income: $ 10,947 $ 13,200 $ 22,567 $ 26,908