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REGULATORY CAPITAL | 12 Months Ended
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Sep. 30, 2024
Regulatory Capital [Abstract] |
REGULATORY CAPITAL | NOTE R - REGULATORY CAPITAL The Company and Bank are required to maintain minimum amounts of capital to total “risk-weighted” assets, as defined by the banking regulators. Failure to meet minimum capital requirements can initiate certain mandatory and possibly discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and Bank’s assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors. As of September 30, 2024, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. The following tables set forth the Company’s and the Bank’s actual and required capital levels under those measures:
|  |  |  |  |  |  |  |  |  | To be well-
|  |  |  |  |  |  |  |  |  | capitalized under
|  |  |  |  |  |  |  | Required for capital |  | prompt corrective
September 30, 2024 |  | Company |  |  | Bank |  |  | adequacy purposes |  | action provisions
Tier 1 leverage ratio |  |  | 11.64% |  |  |  | 11.11% |  |  | ≥ 4.00% |  | ≥ 5.00%
CET1 |  |  | 15.44% |  |  |  | 14.75% |  |  | ≥ 7.00% (1) |  | ≥ 6.50%
Tier 1 risk-based capital ratio |  |  | 15.44% |  |  |  | 14.75% |  |  | ≥ 8.50% (1) |  | ≥ 8.00%
Total risk-based capital ratio |  |  | 16.55% |  |  |  | 15.85% |  |  | ≥ 10.50% (1) |  | ≥ 10.00%
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Tier 1 leverage ratio |  |  | 12.15% |  |  |  | 11.11% |  |  | ≥ 4.00% |  | ≥ 5.00%
CET1 |  |  | 16.37% |  |  |  | 14.97% |  |  | ≥ 7.00% (1) |  | ≥ 6.50%
Tier 1 risk-based capital ratio |  |  | 16.37% |  |  |  | 14.97% |  |  | ≥ 8.50% (1) |  | ≥ 8.00%
Total risk-based capital ratio |  |  | 17.62% |  |  |  | 16.22% |  |  | ≥ 10.50% (1) |  | ≥ 10.00%
(1) Includes 2.50% capital conservation buffer

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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