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FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)

9 Months Ended

Jun. 30, 2025

Financial Instruments With Off-Balance Sheet Risk [Abstract]

Schedule of Information Regarding Derivatives

The following table presents summary information regarding these derivatives as of June 30, 2025 and September 30, 2024.

						Average				Weighted
		Notional				Maturity				Average				Weighted Average		Fair
		Amount				(Years)				Fixed Rate				Variable Rate		Value
		(Dollars in thousands)
June 30, 2025
Classified in Other Assets:
Customer interest rate swaps		$	41,601				3.8				5.74%			1 Mo. SOFR + 2.66		$	977
Total		$	41,601				3.8				5.74%					$	977
Classified in Other Liabilities:
3rd Party interest rate swaps		$	41,601				3.8				5.74%			1 Mo. SOFR + 2.66		$	977
Total		$	41,601				3.8				5.74%					$	977
September 30, 2024
Classified in Other Assets:
Customer interest rate swaps		$	34,890				3.2				4.96%			1 Mo. BSBY + 2.44		$	1,405
Total		$	34,890				3.2				4.96%					$	1,405
Classified in Other Liabilities:
3rd Party interest rate swaps		$	34,890				3.2				4.96%			1 Mo. BSBY + 2.44		$	1,405
Total		$	34,890				3.2				4.96%					$	1,405

Schedule of Financial Instruments with Off-Balance-Sheet Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments are commitments to extend credit and are summarized in the below table. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amounts recognized in the Consolidated Balance Sheets.

		June 30,				September 30,
		2025				2024
		(In thousands)
Financial instruments whose contract amounts
represent credit risk
Letters of credit		$	785			$	620
Unused lines of credit			85,484				88,272
Fixed rate loan commitments			3,432				1,804
Variable rate loan commitments			34,177				26,843
Total		$	123,878			$	117,539

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- References

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- Definition

Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.

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- Definition

Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 10
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-10

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
-SubTopic 825
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478898/942-825-50-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 825
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 11
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482907/825-10-50-11

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