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Commitments and Contingencies (Tables)
6 Months Ended
Mar. 31, 2025
Commitments and Contingencies Disclosure [Abstract]  
Supply Commitment
A summary of the Company's commitments at March 31, 2025 and 2024 are listed below (in thousands):

March 31, 2025March 31, 2024
Undisbursed portion of construction loans in process (see Note 4)$75,042 $77,502 
Undisbursed lines of credit117,220 135,883 
Commitments to extend credit27,954 19,106 
$220,216 $232,491 
Schedule of Allowance for Credit Losses for Unfunded Loan Commitments
The following table sets forth information for the three and six months ended March 31, 2025 and 2024 regarding activity in the ACL on unfunded loan commitments (dollars in thousands):

Three Months Ended March 31, 2025Three Months Ended March 31, 2024
Beginning ACL$307 $364 
Provision for (recapture of) credit losses13 *(88)
Ending ACL$320 $276 
*Amount differs from Income Statement due to rounding.
ACLSix Months Ended March 31, 2025Six Months Ended March 31, 2024
Beginning ACL$327 $332 
Impact of adopting CECL (ASU 2016-13)— 65 
Provision for (recapture of) credit losses(7)(121)
Ending ACL$320 $276