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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Operating activities    
Net income $ 6,166 $ 4,765
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation expense 424 477
Discount on investment securities, net (32) (1)
Provision for credit losses 280 71
Provision for loss on other real estate owned 57
Originations of SBA loans held for sale (5,722) (8,941)
Proceeds from the sales of SBA loans 6,249 9,789
Gains on sale of SBA loans (527) (848)
Loss (gain) on the sales of other real estate owned 13 (281)
ESOP compensation expense 107 87
Stock-based compensation expense 310 310
Deferred income tax expense 8 15
Decrease (increase) in accrued interest receivable (80) (206)
Income on bank owned life insurance (336) (329)
(Increase) decrease in other assets (719) 718
Increase (decrease) in accrued interest payable 214 (157)
Increase (decrease) in accounts payable and other liabilities 552 (238)
Net cash provided by operating activities 6,907 5,288
Investing activities    
Net increase in loans receivable (20,897) (28,514)
Purchases of investment securities held-to-maturity (3,179) (2,446)
Purchases of investment securities available-for-sale (11,287) (4,415)
Proceeds from maturities of investment securities held-to-maturity 4,500
Principal repayments on investment securities held-to-maturity 2,357 3,116
Principal repayments on investment securities available-for-sale 1,497 721
Redemption of bank owned life insurance 3,245
Purchases of premises and equipment, net (333) (477)
Proceeds from the sale of other real estate owned 2,131 1,412
Purchase of Federal Home Loan Bank stock (63) (309)
Redemption of Federal Home Loan Bank stock 86 68
Net cash used in investing activities (29,688) (23,099)
Financing activities    
Net increase in deposits 64,131 61,005
Net increase in escrowed funds 528 237
Proceeds from long-term advances 6,856
Repayments of long-term advances (1,500)
Proceeds from exercise of stock options 24
Dividends paid on common stock (1,130) (944)
Purchase of treasury stock (191) (520)
Net cash provided by financing activities 63,338 65,158
Net increase in cash and cash equivalents 40,557 47,347
Cash and cash equivalents, beginning of period   25,596
Cash and cash equivalents, end of period 47,643  
Cash paid for    
Interest 11,207 11,266
Income taxes 1,800 2,275
Non-cash operating activities    
Initial recognition of lease liability and right-of-use asset 175
Change in fair value of swap asset/liability $ (317) $ (456)