Shares acquired by the ESOP are not included in basic average shares outstanding until the shares are committed for allocation or vested to an employee's individual account. Unvested shares awarded pursuant to the Company's restricted stock benefit plans are treated as participating securities in the computation of EPS pursuant to the two-class method, as they contain nonforfeitable rights to dividends. The two-class method is an earnings allocation that determines EPS for each class of common stock and participating security.


	For the Three Months Ended				For the Six Months Ended
	March 31,				March 31,
	2026		2025		2026		2025
	(Dollars in thousands, except per share amounts)
Net income	$	20,148	$	15,399	$	40,452	$	30,830
Income allocated to participating securities	(24)		(18)		(49)		(36)
Net income available to common stockholders	$	20,124	$	15,381	$	40,403	$	30,794



Total basic average common shares outstanding	126,631,125		130,025,900		127,804,904		129,999,144

Effect of dilutive stock options	—		—		—		—

Total diluted average common shares outstanding	126,631,125		130,025,900		127,804,904		129,999,144

Net EPS:
Basic	$	0.16	$	0.12	$	0.32	$	0.24
Diluted	$	0.16	$	0.12	$	0.32	$	0.24

Antidilutive stock options, excluded from the diluted
average common shares outstanding calculation	182,810		267,439		201,857		290,390