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Investment Securities (Tables)

12 Months Ended

Sep. 30, 2025

Investments [Abstract]

Marketable Securities

Held to maturity and available for sale investment securities were as follows as of September 30, 2025 and 2024 (dollars in thousands):

			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses						Estimated Fair Value						ACL
September 30, 2025
Held to Maturity
U.S. Treasury and U.S. government agency securities			$	69,646					$	15					$	(2,760)					$	66,901					$	—
Mortgage-backed securities ("MBS"):
U.S. government agencies			48,735						199						(1,357)						47,577						—
Private label residential			17,376						196						(822)						16,750						35
Municipal securities			605						6						—						611						—
Bank issued trust preferred securities			499						—						(4)						495						1
Total			$	136,861					$	416					$	(4,943)					$	132,334					$	36
Available for Sale
U.S. government securities			$	4,968					$	—					$	—					$	4,968
MBS: U.S. government agencies			73,649						382						(759)						73,272
Total			$	78,617					$	382					$	(759)					$	78,240
September 30, 2024
Held to Maturity
U.S. Treasury and U.S. government agency securities			$	92,312					$	70					$	(4,197)					$	88,185					$	—
MBS:
U.S. government agencies			49,481						174						(1,378)						48,277						—
Private label residential			28,479						231						(980)						27,730						55
Municipal securities			1,330						8						—						1,338						—
Bank issued trust preferred securities			495						—						(18)						477						5
Total			$	172,097					$	483					$	(6,573)					$	166,007					$	60
Available for Sale
U.S. government securities			$	3,934					$	6					$	(1)					$	3,939
MBS: U.S. government agencies			68,297						545						(524)						68,318
Total			$	72,231					$	551					$	(525)					$	72,257

Debt Securities, Unrealized Loss Position, Fair Value

Held to maturity and available for sale investment securities with unrealized losses were as follows as of September 30, 2025 (dollars in thousands):

			Less Than 12 Months																		12 Months or Longer																		Total
			Estimated  Fair  Value						Gross Unrealized Losses						Qty						Estimated  Fair  Value						Gross Unrealized Losses						Qty						Estimated  Fair  Value						Gross Unrealized Losses
Held to Maturity
U.S. Treasury and U.S. government agency securities			$	—					$	—					—						$	56,960					$	(2,760)					14						$	56,960					$	(2,760)
MBS:
U.S. government agencies			7						—						1						27,776						(1,357)						42						27,783						(1,357)
Private label residential			341						(2)						3						14,646						(820)						14						14,987						(822)
Bank issued trust preferred securities			495						(4)						1						—						—						—						495						(4)
Total			$	843					$	(6)					5						$	99,382					$	(4,937)					70						$	100,225					$	(4,943)
Available for Sale
U.S. government securities			$	3,977					$	—					1						$	—					$	—					—						$	3,977					$	—
MBS: U.S. government agencies			11,922						(67)						3						28,947						(692)						24						40,869						(759)
Total			$	15,899					$	(67)					4						$	28,947					$	(692)					24						$	44,846					$	(759)

Held to maturity and available for sale investment securities with unrealized losses were as follows as of September 30, 2024 (dollars in thousands):

			Less Than 12 Months																		12 Months or Longer																		Total
			Estimated  Fair  Value						Gross Unrealized Losses						Qty						Estimated  Fair  Value						Gross Unrealized Losses						Qty						Estimated  Fair  Value						Gross Unrealized Losses
Held to Maturity
U.S. Treasury and U.S. government agency securities			$	—					$	—					—						$	78,363					$	(4,197)					17						$	78,363					$	(4,197)
MBS:
U.S. government agencies			1						—						1						28,618						(1,378)						44						28,619						(1,378)
Private label residential			804						(6)						1						20,447						(974)						19						21,251						(980)
Bank issued trust preferred securities			—						—						—						477						(18)						1						477						(18)
Total			$	805					$	(6)					2						$	127,905					$	(6,567)					81						$	128,710					$	(6,573)
Available for Sale
U.S. government securities			$	1,962					$	(1)					1						$	—					$	—					—						$	1,962					$	(1)
MBS:
U.S. government agencies			11,368						(117)						4						25,751						(407)						23						37,119						(524)
Total			$	13,330					$	(118)					5						$	25,751					$	(407)					23						$	39,081					$	(525)

Schedule of Contractual Maturities of Debt Securities

The contractual maturities of debt securities at September 30, 2025 are as follows (dollars in thousands). Expected maturities may differ from scheduled maturities due to the prepayment of principal or call provisions.

			Held to Maturity												Available for Sale
			Amortized Cost						Estimated Fair Value						Amortized Cost						Estimated Fair Value
Due within one year			$	24,152					$	23,898					$	7,091					$	7,092
Due after one year to five years			56,882						54,352						3,780						3,772
Due after five years to ten years			134						233						194						193
Due after ten years			55,693						53,851						67,552						67,183
Total			$	136,861					$	132,334					$	78,617					$	78,240

Summary of Credit Loss by Portfolio Segment

The following tables set forth information for the years ended September 30, 2025 and 2024 regarding activity in the ACL by portfolio segment (dollars in thousands):

						Year Ended September 30, 2025
Held to Maturity						Beginning Allowance												Provision for (Recapture of ) Credit Losses						Ending Allowance
MBS:
Private label residential						$	55											$	(20)					$	35
Bank issued trust preferred securities						5												(4)						1
Total						$	60											$	(24)					$	36

						Year Ended September 30, 2024
Held to Maturity						Beginning Allowance						Impact of Adopting CECL (ASU 2016-13)						Provision for (Recapture of ) Credit Losses						Ending Allowance
MBS:
Private label residential						$	—					$	82					$	(27)					$	55
Bank issued trust preferred securities						—						10						(5)						$	5
Total						$	—					$	92					$	(32)					$	60

The following table represents a roll forward of the credit loss component of held to maturity investment securities that have been written down for OTTI with the credit loss component recognized in earning for the years ended September 30, 2025, 2024 and 2023 (dollars in thousands):

			2025						2024						2023
Balance, beginning of year			$	803					$	816					$	836
Subtractions:
Net realized losses previously recorded as credit losses			(4)						(2)						(11)
Recovery of prior credit loss			(11)						(11)						(9)
Balance, end of year			$	788					$	803					$	816

Summary of Held to Maturity Investment Securities by Risk

The following tables set forth the Company's held to maturity investment securities at September 30, 2025 and 2024 by credit quality indicator (dollars in thousands):

			Credit Ratings
As of September 30, 2025			AAA/AA/A						BBB/BB/B						Unrated						Total
Held to Maturity
U.S. Treasury and U.S. government agency securities			$	69,646					$	—					$	—					$	69,646
MBS:
U.S. government agencies			48,735						—						—						48,735
Private label securities			12,455						—						4,921						17,376
Municipal securities			605						—						—						605
Bank issued trust preferred securities			—						—						499						499
Total held to maturity			$	131,441					$	—					$	5,420					$	136,861

			Credit Ratings
As of September 30, 2024			AAA/AA/A						BBB/BB/B						Unrated						Total
Held to Maturity
U.S. Treasury and U.S. government agency securities			$	92,312					$	—					$	—					$	92,312
MBS:
U.S. government agencies			49,481						—						—						49,481
Private label securities			16,277						—						12,202						28,479
Municipal securities			1,230						—						100						1,330
Bank issued trust preferred securities			—						—						495						495
Total held to maturity			$	159,300					$	—					$	12,797					$	172,097

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-Topic 326
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-Name Accounting Standards Codification
-Section 50
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