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REGULATORY CAPITAL
 12 Months Ended
Sep. 30, 2025
Regulatory Capital [Abstract]  
REGULATORY CAPITAL

NOTE R - REGULATORY CAPITAL

 

The Bank is 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 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 capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

 

As of September 30, 2025, the most recent notification from the FDIC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.

 

The following tables set forth the Company’s actual capital levels and the Bank’s actual and required capital levels under those measures:

 

           Required for
capital		  To be well-
capitalized
under prompt
   Company   Bank   adequacy
purposes		  corrective action
provisions
September 30, 2025              
Tier 1 leverage ratio   11.83%   11.41%  ≥  4.00%  ≥   5.00%
CET1   15.24%   14.70%  ≥  7.00% (1)  ≥   6.50%
Tier 1 risk-based capital ratio   15.24%   14.70%  ≥  8.50% (1)  ≥   8.00%
Total risk-based capital ratio   16.33%   15.79%  ≥  10.50% (1)  ≥ 10.00%
                 
September 30, 2024                
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%

 

(1)Includes 2.50% capital conservation buffer