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Regulatory Matters | 12 Months Ended
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Sep. 30, 2025
Broker-Dealer, Net Capital Requirement, SEC Regulation [Abstract] |
Regulatory Matters | Regulatory Matters The Bank, as a state-chartered, federally insured savings bank, is subject to the capital requirements established by the FDIC. Under the FDIC's capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weighting and other factors. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by bank regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. The minimum requirements are a common equity Tier 1 ("CET1") capital ratio of 4.5%, a Tier 1 capital ratio of 6.0%, a total capital ratio of 8.0% and a leverage ratio of 4.0%. In addition to the minimum regulatory capital ratios, the Bank is required to maintain a capital conservation buffer consisting of additional CET1 capital greater than 2.5% of risk-weighted assets above the required minimum levels in order to avoid limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses based on percentages of retained income that could be utilized for such actions. At September 30, 2025, the Bank's CET1 capital exceeded the required capital conservation buffer. At September 30, 2025 and 2024, the Bank exceeded all regulatory capital requirements. The Bank was categorized as "well capitalized" at September 30, 2025 and 2024 under the regulations of the FDIC. The following tables compare the Bank’s actual capital amounts at September 30, 2025 and 2024 to its minimum regulatory capital requirements and "Well Capitalized" regulatory capital at those dates (dollars in thousands):
|  | Actual |  | Regulatory Minimum To Be "Adequately Capitalized" |  | Regulatory Minimum To Be "Well Capitalized" Under Prompt Corrective Action Provisions
September 30, 2025 |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
Leverage Capital Ratio: |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 capital |  | $ | 247,162 |  |  | 12.5 | % |  | $ | 79,319 |  |  | 4.0 | % |  | $ | 99,148 |  |  | 5.0 | %
Risk-based Capital Ratios: |  |  |  |  |  |  |  |  |  |  |  |
CET1 |  | 247,162 |  |  | 19.3 |  |  | 57,623 |  |  | 4.5 |  |  | 83,234 |  |  | 6.5 |
Tier 1 capital |  | 247,162 |  |  | 19.3 |  |  | 76,831 |  |  | 6.0 |  |  | 102,442 |  |  | 8.0 |
Total capital |  | 263,200 |  |  | 20.6 |  |  | 102,442 |  |  | 8.0 |  |  | 128,052 |  |  | 10.0 |
September 30, 2024 |  |  |  |  |  |  |  |  |  |  |  |
Leverage Capital Ratio: |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 capital |  | $ | 229,206 |  |  | 12.0 | % |  | $ | 76,319 |  |  | 4.0 | % |  | $ | 95,399 |  |  | 5.0 | %
Risk-based Capital Ratios: |  |  |  |  |  |  |  |  |  |  |  |
CET1 |  | 229,206 |  |  | 18.0 |  |  | 57,318 |  |  | 4.5 |  |  | 82,793 |  |  | 6.5 |
Tier 1 capital |  | 229,206 |  |  | 18.0 |  |  | 76,424 |  |  | 6.0 |  |  | 101,899 |  |  | 8.0 |
Total capital |  | 245,152 |  |  | 19.3 |  |  | 101,899 |  |  | 8.0 |  |  | 127,374 |  |  | 10.0 |
Timberland Bancorp is a bank holding company registered with the Federal Reserve. Bank holding companies are subject to capital adequacy requirements of the Federal Reserve under the Bank Holding Company Act of 1956, as amended, and the regulations of the Federal Reserve. For a bank holding company with less than $3.0 billion in assets, the capital guidelines apply on a bank only basis, and the Federal Reserve expects the holding company's subsidiary bank to be well capitalized under the prompt corrective action regulations. If Timberland Bancorp were subject to regulatory guidelines for bank holding companies with $3.0 billion or more in assets at September 30, 2025, Timberland Bancorp would have exceeded all regulatory requirements. The following table presents for informational purposes the regulatory capital ratios for Timberland Bancorp at September 30, 2025 and 2024 assuming that Timberland Bancorp was subject to regulatory guidelines for bank holding companies with $3.0 billion or more in assets (dollars in thousands):
| 2025 |  | 2024
| Amount |  | Ratio |  | Amount |  | Ratio
Leverage Capital Ratio: |  |  |  |  |  |  |
Tier 1 capital | $ | 248,755 |  |  | 12.6 | % |  | $ | 231,092 |  |  | 12.1 | %
Risk-based Capital Ratios: |  |  |  |  |  |  |
CET1 | 248,755 |  |  | 19.4 |  |  | 231,092 |  |  | 18.1 |
Tier 1 capital | 248,755 |  |  | 19.4 |  |  | 231,092 |  |  | 18.1 |
Total capital | 264,800 |  |  | 20.7 |  |  | 247,044 |  |  | 19.4 |

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