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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Operating activities    
Net income $ 4,765 $ 3,549
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation expense 477 440
(Discount) premium (accretion) amortization on investment securities, net (1) 35
Provision for credit losses 71 495
Provision for loss on other real estate owned 57
Originations of SBA loans held for sale (8,941) (3,771)
Proceeds from the sales of SBA loans 9,789 4,113
Gains on sale of SBA loans (848) (342)
Gains on the sales of other real estate owned (281)
Gains on the sale of premises and equipment (60)
ESOP compensation expense 87 84
Stock-based compensation expense 310 323
Deferred income tax expense 15 103
Increase in accrued interest receivable (206) (415)
Income on bank owned life insurance (329) (186)
Decrease in other assets 718 825
(Decrease) increase in accrued interest payable (157) 246
Decrease in accounts payable and other liabilities (238) (1,662)
Net cash provided by operating activities 5,288 3,777
Investing activities    
Net increase in loans receivable (28,514) (45,931)
Purchases of investment securities held-to-maturity (2,446) (4,000)
Purchases of investment securities available-for-sale (4,415) (1,953)
Proceeds from maturities of investment securities held-to-maturity 4,500
Principal repayments on investment securities held-to-maturity 3,116 6,367
Principal repayments on investment securities available-for-sale 721 660
Redemption of bank owned life insurance 3,245
Purchases of premises and equipment, net (477) (253)
Proceeds from the sale of premises and land 776
Proceeds from the sale of other real estate owned 1,412
Purchase of Federal Home Loan Bank stock (309) (120)
Redemption of Federal Home Loan Bank stock 68 133
Net cash used in investing activities (23,099) (44,321)
Financing activities    
Net increase in deposits 61,005 19,435
Net increase in escrowed funds 237 1,127
Proceeds from long-term advances 6,856 1,690
Repayments of long-term advances (1,500) (2,409)
Proceeds from exercise of stock options 24
Dividends paid on common stock (944) (1,042)
Purchase of treasury stock (520) (800)
Net cash provided by financing activities 65,158 18,001
Net increase (decrease) in cash and cash equivalents 47,347 (22,543)
Cash and cash equivalents, beginning of period 25,596 72,532
Cash and cash equivalents, end of period 72,943 49,989
Cash paid for    
Interest 11,266 9,064
Income taxes 2,275 1,570
Non-cash operating activities    
Real estate acquired in full satisfaction of loans in foreclosure 842
Adoption of ASU 2016-13 354
Change in fair value of swap asset/liability $ (456) $ (568)