Loans Receivable And Allowance For Credit Losses (Tables)

6 Months Ended

Mar. 31, 2026

Financing Receivable, Excluding Accrued Interest, after Allowance for Credit Loss [Abstract]

Loans receivable, net at March 31, 2026 and September 30, 2025 are summarized as follows:


	March 31, 2026		September 30, 2025
	(Dollars in thousands)

One- to four-family:
Originated	$	3,676,252	$	3,774,134
Correspondent purchased	1,905,759		2,000,216
Bulk purchased	109,675		114,231
Construction	16,123		16,054
Total	5,707,809		5,904,635
Commercial:
Commercial real estate	1,896,313		1,709,990
Commercial and industrial	232,182		210,119
Commercial construction	189,251		195,886
Total	2,317,746		2,115,995
Consumer:
Home equity	106,414		104,809
Other	7,327		8,436
Total	113,741		113,245

Total loans receivable	8,139,296		8,133,875

Less:
ACL	26,599		24,039
Deferred loan fees/discounts	30,087		31,268
Premiums/deferred costs	(31,595)		(33,393)
	$	8,114,205	$	8,111,961

Credit Quality Indicators

The following tables set forth, as of the dates indicated, the amortized cost of loans by class of financing receivable, year of origination or most recent credit decision, and loan classification. Amortized cost is the amount of unpaid principal of the loan, net of undisbursed funds, unamortized premiums and discounts, and deferred fees and costs. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year. Loans classified as doubtful or loss are individually evaluated for loss. At March 31, 2026 and September 30, 2025, there were no loans classified as doubtful, and all loans classified as loss were fully charged-off. The commercial real estate substandard loan amount presented in the "Current Fiscal Year" column is primarily related to two loans in the same borrowing relationship that were modified during the current fiscal year. During the current quarter, an updated appraisal was received related to the collateral securing this lending relationship and as a result, a specific valuation allowance was recorded as of March 31, 2026. The loans associated with this lending relationship were on nonaccrual at both March 31, 2026 and September 30, 2025. The loans are recourse loans and have personal guarantees.


	March 31, 2026
															Revolving
															Line of
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Fiscal		Year		Year		Year		Year		Prior		Line of		Converted
	Year		2025		2024		2023		2022		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Pass	$	118,393	$	227,023	$	210,407	$	278,931	$	508,747	$	2,312,503	$	—	$	—	$	3,656,004
Special Mention	—		480		763		1,501		1,213		4,555		—		—		8,512
Substandard	—		—		—		361		299		14,159		—		—		14,819
Correspondent purchased
Pass	—		—		500		282,798		422,286		1,212,420		—		—		1,918,004
Special Mention	—		—		—		1,668		—		722		—		—		2,390
Substandard	—		—		—		711		840		5,569		—		—		7,120
Bulk purchased
Pass	—		—		—		—		—		106,343		—		—		106,343
Special Mention	—		—		—		—		—		1,596		—		—		1,596
Substandard	—		—		—		—		—		2,084		—		—		2,084
	118,393		227,503		211,670		565,970		933,385		3,659,951		—		—		5,716,872
Commercial:
Commercial real estate
Pass	439,207		624,768		248,004		280,838		200,794		205,043		11,144		—		2,009,798
Special Mention	—		6,847		—		—		15,090		—		415		—		22,352
Substandard	40,386		—		297		2,631		160		2,101		198		—		45,773
Commercial and industrial
Pass	38,932		88,088		23,359		23,840		12,409		6,497		36,930		—		230,055
Special Mention	114		—		—		—		30		—		220		—		364
Substandard	70		242		131		23		79		—		869		—		1,414
	518,709		719,945		271,791		307,332		228,562		213,641		49,776		—		2,309,756
Consumer:
Home equity
Pass	2,347		4,961		4,891		3,196		3,233		2,921		77,486		7,490		106,525
Special Mention	—		—		—		13		—		—		64		79		156
Substandard	—		98		—		—		—		4		32		34		168
Other
Pass	1,538		2,311		1,359		958		641		107		358		—		7,272
Special Mention	—		—		10		—		—		—		—		—		10
Substandard	3		2		12		—		27		1		—		—		45
	3,888		7,372		6,272		4,167		3,901		3,033		77,940		7,603		114,176

Total	$	640,990	$	954,820	$	489,733	$	877,469	$	1,165,848	$	3,876,625	$	127,716	$	7,603	$	8,140,804


	September 30, 2025
															Revolving
															Line of
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Year		Year		Year		Year		Year		Prior		Line of		Converted
	2025		2024		2023		2022		2021		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Pass	$	233,573	$	232,879	$	296,339	$	529,728	$	739,138	$	1,722,587	$	—	$	—	$	3,754,244
Special Mention	—		—		1,409		1,099		1,672		4,614		—		—		8,794
Substandard	—		—		363		568		469		12,005		—		—		13,405
Correspondent purchased
Pass	—		510		301,792		439,538		524,927		748,902		—		—		2,015,669
Special Mention	—		—		1,441		523		366		367		—		—		2,697
Substandard	—		—		—		615		263		4,153		—		—		5,031
Bulk purchased
Pass	—		—		—		—		—		110,862		—		—		110,862
Special Mention	—		—		—		—		—		1,564		—		—		1,564
Substandard	—		—		—		—		—		2,180		—		—		2,180
	233,573		233,389		601,344		972,071		1,266,835		2,607,234		—		—		5,914,446
Commercial:
Commercial real estate
Pass	639,555		292,900		396,152		208,604		111,266		134,388		9,775		—		1,792,640
Special Mention	7,587		—		36,266		16,060		—		80		—		—		59,993
Substandard	39,962		142		2,681		—		106		2,609		50		—		45,550
Commercial and industrial
Pass	103,700		25,950		26,082		14,387		5,555		1,923		31,287		—		208,884
Special Mention	—		—		—		44		—		—		355		—		399
Substandard	—		292		—		87		25		—		69		—		473
	790,804		319,284		461,181		239,182		116,952		139,000		41,536		—		2,107,939
Consumer:
Home equity
Pass	5,609		5,532		3,513		3,755		1,064		2,166		75,067		7,937		104,643
Special Mention	—		—		33		—		—		—		251		42		326
Substandard	100		—		—		—		—		11		57		42		210
Other
Pass	3,629		1,877		1,354		824		175		49		416		—		8,324
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	8		26		33		45		—		—		—		—		112
	9,346		7,435		4,933		4,624		1,239		2,226		75,791		8,021		113,615

Total	$	1,033,723	$	560,108	$	1,067,458	$	1,215,877	$	1,385,026	$	2,748,460	$	117,327	$	8,021	$	8,136,000

Delinquency Status - The following tables set forth, as of the dates indicated, the amortized cost of current loans, loans 30 to 89 days delinquent, and loans 90 or more days delinquent or in foreclosure ("90+/FC"), by class of financing receivable and year of origination or most recent credit decision as of the dates indicated. All revolving lines of credit and revolving lines of credit converted to term loans are presented separately, regardless of origination year.


	March 31, 2026
															Revolving
															Line of
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Fiscal		Year		Year		Year		Year		Prior		Line of		Converted
	Year		2025		2024		2023		2022		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Current	$	118,393	$	227,074	$	211,170	$	280,728	$	509,450	$	2,321,790	$	—	$	—	$	3,668,605
30-89	—		429		—		—		791		5,388		—		—		6,608
90+/FC	—		—		—		65		18		4,039		—		—		4,122
Correspondent purchased
Current	—		—		500		284,357		421,760		1,213,593		—		—		1,920,210
30-89	—		—		—		110		526		1,336		—		—		1,972
90+/FC	—		—		—		710		840		3,782		—		—		5,332
Bulk purchased
Current	—		—		—		—		—		109,263		—		—		109,263
30-89	—		—		—		—		—		421		—		—		421
90+/FC	—		—		—		—		—		339		—		—		339
	118,393		227,503		211,670		565,970		933,385		3,659,951		—		—		5,716,872
Commercial:
Commercial real estate
Current	479,122		631,615		247,955		283,252		215,884		204,326		11,559		—		2,073,713
30-89	471		—		87		—		—		1,012		—		—		1,570
90+/FC	—		—		259		217		160		1,806		198		—		2,640
Commercial and industrial
Current	39,116		87,674		23,359		23,850		12,464		6,497		37,100		—		230,060
30-89	—		656		—		13		54		—		50		—		773
90+/FC	—		—		131		—		—		—		869		—		1,000
	518,709		719,945		271,791		307,332		228,562		213,641		49,776		—		2,309,756
Consumer:
Home equity
Current	2,347		4,974		4,891		3,209		3,218		2,925		77,316		7,368		106,248
30-89	—		85		—		—		15		—		247		201		548
90+/FC	—		—		—		—		—		—		19		34		53
Other
Current	1,538		2,310		1,369		942		662		107		358		—		7,286
30-89	—		1		—		16		6		—		—		—		23
90+/FC	3		2		12		—		—		1		—		—		18
	3,888		7,372		6,272		4,167		3,901		3,033		77,940		7,603		114,176

Total	$	640,990	$	954,820	$	489,733	$	877,469	$	1,165,848	$	3,876,625	$	127,716	$	7,603	$	8,140,804


	September 30, 2025
															Revolving
															Line of
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		Credit
	Year		Year		Year		Year		Year		Prior		Line of		Converted
	2025		2024		2023		2022		2021		Years		Credit		to Term		Total
	(Dollars in thousands)
One- to four-family:
Originated
Current	$	233,573	$	232,879	$	298,045	$	530,487	$	740,699	$	1,730,689	$	—	$	—	$	3,766,372
30-89	—		—		66		908		473		5,873		—		—		7,320
90+/FC	—		—		—		—		107		2,644		—		—		2,751
Correspondent purchased
Current	—		510		302,960		440,138		525,556		749,725		—		—		2,018,889
30-89	—		—		273		161		—		2,664		—		—		3,098
90+/FC	—		—		—		377		—		1,033		—		—		1,410
Bulk purchased
Current	—		—		—		—		—		114,315		—		—		114,315
30-89	—		—		—		—		—		156		—		—		156
90+/FC	—		—		—		—		—		135		—		—		135
	233,573		233,389		601,344		972,071		1,266,835		2,607,234		—		—		5,914,446
Commercial:
Commercial real estate
Current	687,104		292,556		434,882		223,812		111,227		134,468		9,775		—		1,893,824
30-89	—		344		—		852		40		—		—		—		1,236
90+/FC	—		142		217		—		105		2,609		50		—		3,123
Commercial and industrial
Current	103,700		26,100		26,082		14,486		5,580		1,923		31,642		—		209,513
30-89	—		—		—		32		—		—		—		—		32
90+/FC	—		142		—		—		—		—		69		—		211
	790,804		319,284		461,181		239,182		116,952		139,000		41,536		—		2,107,939
Consumer:
Home equity
Current	5,709		5,481		3,546		3,755		1,064		2,171		75,137		7,826		104,689
30-89	—		51		—		—		—		—		198		195		444
90+/FC	—		—		—		—		—		6		40		—		46
Other
Current	3,615		1,847		1,353		856		175		49		416		—		8,311
30-89	15		42		20		—		—		—		—		—		77
90+/FC	7		14		14		13		—		—		—		—		48
	9,346		7,435		4,933		4,624		1,239		2,226		75,791		8,021		113,615

Total	$	1,033,723	$	560,108	$	1,067,458	$	1,215,877	$	1,385,026	$	2,748,460	$	117,327	$	8,021	$	8,136,000

Gross Charge-Offs - The following tables present gross charge-offs, for the periods indicated, by class of financing receivable for the year of origination or most recent credit decision.


	For the Six Months Ended March 31, 2026
															Revolving
															Lines
	Current		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		of Credit
	Fiscal		Year		Year		Year		Year		Prior		Lines of		Converted to
	Year		2025		2024		2023		2022		Years		Credit		Term		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	—	$	12	$	—	$	—	$	—	$	—	$	—	$	12
Correspondent purchased	—		—		—		—		—		—		—		—		—
Bulk purchased	—		—		—		—		—		—		—		—		—
	—		—		12		—		—		—		—		—		12
Commercial:
Commercial real estate	—		—		—		—		—		—		—		—		—
Commercial and industrial	—		—		77		—		—		25		—		—		102
	—		—		77		—		—		25		—		—		102
Consumer:
Home equity	16		6		—		—		—		3		3		—		28
Other	—		—		—		15		7		—		—		—		22
	16		6		—		15		7		3		3		—		50

Total	$	16	$	6	$	89	$	15	$	7	$	28	$	3	$	—	$	164


	For the Six Months Ended March 31, 2025
															Revolving
															Lines
	Fiscal		Fiscal		Fiscal		Fiscal		Fiscal				Revolving		of Credit
	Year		Year		Year		Year		Year		Prior		Lines of		Converted to
	2025		2024		2023		2022		2021		Years		Credit		Term		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Correspondent purchased	—		—		—		—		—		—		—		—		—
Bulk purchased	—		—		—		—		—		113		—		—		113
	—		—		—		—		—		113		—		—		113
Commercial:
Commercial real estate	—		—		—		—		—		—		—		—		—
Commercial and industrial	—		—		—		—		—		—		—		—		—
	—		—		—		—		—		—		—		—		—
Consumer:
Home equity	8		12		—		—		—		—		—		—		20
Other	—		1		4		—		—		—		2		—		7
	8		13		4		—		—		—		2		—		27

Total	$	8	$	13	$	4	$	—	$	—	$	113	$	2	$	—	$	140

Delinquent Loans

The following tables present the amortized cost, at the dates indicated, by class, of loans 30 to 89 days delinquent, loans 90 or more days delinquent or in foreclosure, total delinquent loans, current loans, and total loans. At March 31, 2026 and September 30, 2025, all loans 90 or more days delinquent were on nonaccrual status.


	March 31, 2026
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Amortized
	Delinquent		in Foreclosure		Loans		Loans		Cost
	(Dollars in thousands)
One- to four-family:
Originated	$	6,608	$	4,122	$	10,730	$	3,668,605	$	3,679,335
Correspondent purchased	1,972		5,332		7,304		1,920,210		1,927,514
Bulk purchased	421		339		760		109,263		110,023
Commercial:
Commercial real estate	1,570		2,640		4,210		2,073,713		2,077,923
Commercial and industrial	773		1,000		1,773		230,060		231,833
Consumer:
Home equity	548		53		601		106,248		106,849
Other	23		18		41		7,286		7,327
	$	11,915	$	13,504	$	25,419	$	8,115,385	$	8,140,804


	September 30, 2025
			90 or More Days		Total				Total
	30 to 89 Days		Delinquent or		Delinquent		Current		Amortized
	Delinquent		in Foreclosure		Loans		Loans		Cost
	(Dollars in thousands)
One- to four-family:
Originated	$	7,320	$	2,751	$	10,071	$	3,766,372	$	3,776,443
Correspondent purchased	3,098		1,410		4,508		2,018,889		2,023,397
Bulk purchased	156		135		291		114,315		114,606
Commercial:
Commercial real estate	1,236		3,123		4,359		1,893,824		1,898,183
Commercial and industrial	32		211		243		209,513		209,756
Consumer:
Home equity	444		46		490		104,689		105,179
Other	77		48		125		8,311		8,436
	$	12,363	$	7,724	$	20,087	$	8,115,913	$	8,136,000

Nonaccrual Loans

The following table presents the amortized cost at March 31, 2026 and September 30, 2025, by class, of loans classified as nonaccrual. Nonaccrual loans with no ACL were individually evaluated for loss and any losses have been charged-off. The majority of the balance of commercial real estate nonaccrual loans at March 31, 2026 and September 30, 2025 related to two loans from the same borrowing relationship. During the current quarter, an updated appraisal was received related to the collateral securing the borrowing relationship and a specific valuation allowance was recorded as of March 31, 2026. See additional discussion related to these loans in the "Credit Quality Indicators - Loan Classification" section above.



	March 31, 2026				September 30, 2025
	Nonaccrual Loans		Nonaccrual Loans with No ACL		Nonaccrual Loans		Nonaccrual Loans with No ACL
	(Dollars in thousands)
One- to four-family:
Originated	$	4,122	$	1,693	$	2,751	$	1,833
Correspondent purchased	5,332		266		1,409		—
Bulk purchased	339		—		135		—
Commercial:
Commercial real estate	43,359		27,528		43,087		43,087
Commercial and industrial	1,415		640		320		320
Consumer:
Home equity	53		32		46		—
Other	18		—		48		14
	$	54,638	$	30,159	$	47,796	$	45,254

Modifications on Financing Receivables

Loan Modifications - The following tables present the amortized cost basis of loans, as of the dates indicated, that were both experiencing financial difficulties and modified during the periods noted, by class of financing receivable and by type of modification. Also presented in the tables is the percentage of the amortized cost basis of loans, at the dates indicated, that were modified to borrowers experiencing financial difficulties as compared to the amortized cost basis of each class of financing receivable during the periods noted. During the six months ended March 31, 2026, the only charge-offs associated with modified loans during the period were $12 thousand for one- to four-family originated loans. During the six months ended March 31, 2025 there were no charge-offs related to loans modified during the period. The Company has not committed to lend additional amounts to borrowers included in these tables. The commercial real estate payment delay modification during the six months ended March 31, 2026 was due primarily to the two loans discussed above, under the "Credit Quality Indicators - Loan Classification" section. These two commercial loans were classified as substandard and nonaccrual at March 31, 2026.


	For the Three Months Ended March 31, 2026


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	1,969	$	450	$	2,419	0.1	%
Correspondent purchased	—		346		367		713		—
Bulk purchased	1,596		—		—		1,596		1.5
	1,596		2,315		817		4,728		0.1
Commercial:
Commercial real estate	914		—		—		914		—
Commercial and industrial	—		—		13		13		—
	914		—		13		927		—
Consumer loans:
Home equity	42		—		—		42		—
Other	—		—		—		—		—
	42		—		—		42		—

Total	$	2,552	$	2,315	$	830	$	5,697	0.1


	For the Six Months Ended March 31, 2026


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	134	$	4,208	$	1,066	$	5,408	0.1	%
Correspondent purchased	—		696		367		1,063		0.1
Bulk purchased	1,596		—		—		1,596		1.5
	1,730		4,904		1,433		8,067		0.1
Commercial:
Commercial real estate	40,829		—		—		40,829		2.0
Commercial and industrial	—		—		13		13		—
	40,829		—		13		40,842		1.8
Consumer loans:
Home equity	42		—		—		42		—
Other	—		—		—		—		—
	42		—		—		42		—

Total	$	42,601	$	4,904	$	1,446	$	48,951	0.6


	For the Three Months Ended March 31, 2025


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	236	$	1,344	$	651	$	2,231	0.1	%
Correspondent purchased	—		513		187		700		—
Bulk purchased	—		—		—		—		—
	236		1,857		838		2,931		—
Commercial:
Commercial real estate	8,189		—		—		8,189		0.5
Commercial and industrial	—		838		—		838		0.6
	8,189		838		—		9,027		0.5
Consumer loans:
Home equity	—		35		—		35		—
Other	—		—		—		—		—
	—		35		—		35		—

Total	$	8,425	$	2,730	$	838	$	11,993	0.2


	For the Six Months Ended March 31, 2025


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	353	$	2,255	$	816	$	3,424	0.1	%
Correspondent purchased	—		513		187		700		—
Bulk purchased	—		—		—		—		—
	353		2,768		1,003		4,124		0.1
Commercial:
Commercial real estate	8,189		—		—		8,189		0.5
Commercial and industrial	—		838		—		838		0.6
	8,189		838		—		9,027		0.5
Consumer loans:
Home equity	20		34		—		54		0.1
Other	—		—		—		—		—
	20		34		—		54		0.1

Total	$	8,562	$	3,640	$	1,003	$	13,205	0.2

Financial effect of loan modifications - The table below presents the financial effect of loan modifications during the periods noted, including the weighted average payment delay and weighted average term extension.

For the Three Months Ended March 31, 2026

For the Six Months Ended March 31, 2026

Payment

Term

Payment

Term

Delay

Extension

Delay

Extension

One- to four-family:

Originated

9 months

24 months

8 months

40 months

Correspondent purchased

8 months

18 months

8 months

19 months

Bulk purchased

13 months

N/A

13 months

N/A

Commercial:

Commercial real estate

6 months

N/A

11 months

N/A

Commercial and industrial

60 months

Consumer:

Consumer home equity

8 months

N/A

8 months

N/A

For the Three Months Ended March 31, 2025

For the Six Months Ended March 31, 2025

Payment

Term

Payment

Term

Delay

Extension

Delay

Extension

One- to four-family:

Originated

8 months

20 months

8 months

18 months

Correspondent purchased

9 months

34 months

9 months

34 months

Commercial:

Commercial real estate

9 months

N/A

9 months

N/A

Commercial and industrial

N/A

3 months

N/A

3 months

Consumer:

Consumer home equity

N/A

14 months

7 months

14 months

Modifications, Past Due

Performance of loan modifications - The Company closely monitors the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans, based on amortized cost, by class of financing receivable as of March 31, 2026 and March 31, 2025, on loans modified during the preceding 12-months for borrowers experiencing financial difficulty that were delinquent as of March 31, 2026 and March 31, 2025, respectively. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of March 31, 2026 and March 31, 2025.


	As of March 31, 2026						As of March 31, 2025
	30 to 89 Days Delinquent		90 or More Days Delinquent or in Foreclosure		Total Delinquent Loans		30 to 89 Days Delinquent		90 or More Days Delinquent or in Foreclosure		Total Delinquent Loans
	(Dollars in thousands)
One- to four-family:
Originated	$	479	$	355	$	834	$	567	$	428	$	995
Correspondent purchased	—		—		—		—		—		—
Bulk purchased	—		—		—		—		—		—
Commercial:
Commercial real estate	766		148		914		—		—		—
Commercial and industrial	—		—		—		—		—		—
Consumer loans:
Home equity	—		—		—		—		88		88
Other	—		—		—		—		—		—
Total	$	1,245	$	503	$	1,748	$	567	$	516	$	1,083

Modifications, Subsequent Default

The following tables present the amortized cost basis of loans that had a payment default during the three and six months ended March 31, 2026 or March 31, 2025 and were modified to borrowers experiencing financial difficulty in the 12-months prior to the default date, by class of financing receivable and by type of modification. The Company considers "default" to mean 90 days or more past due under the modified terms.


	For the Three Months Ended March 31, 2026


					Term
					Extension
					and
	Payment		Term		Payment
	Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	169	$	470	$	639
Correspondent purchased	—		—		—		—
Bulk purchased	—		—		—		—
Commercial:
Commercial real estate	148		—		—		148
Commercial and industrial	—		—		—		—
Consumer loans:
Home equity	—		—		—		—
Other	—		—		—		—
Total	$	148	$	169	$	470	$	787


	For the Six Months Ended March 31, 2026


					Term
					Extension
					and
	Payment		Term		Payment
	Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	462	$	624	$	1,086
Correspondent purchased	—		—		—		—
Bulk purchased	—		—		—		—
Commercial:
Commercial real estate	148		—		—		148
Commercial and industrial	—		—		—		—
Consumer loans:
Home equity	—		—		—		—
Other	—		—		—		—
Total	$	148	$	462	$	624	$	1,234


	For the Three Months Ended March 31, 2025


					Term
					Extension
					and
	Payment		Term		Payment
	Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	84	$	193	$	151	$	428
Correspondent purchased	—		—		187		187
Bulk purchased	—		—		—		—
Commercial:
Commercial real estate	—		—		192		192
Commercial and industrial	—		—		227		227
Consumer loans:
Home equity	88		—		—		88
Other	—		—		—		—
Total	$	172	$	193	$	757	$	1,122


	For the Six Months Ended March 31, 2025


					Term
					Extension
					and
	Payment		Term		Payment
	Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	84	$	193	$	151	$	428
Correspondent purchased	—		—		428		428
Bulk purchased	—		—		—		—
Commercial:
Commercial real estate	—		—		192		192
Commercial and industrial	—		—		227		227
Consumer loans:
Home equity	88		—		—		88
Other	—		—		—		—
Total	$	172	$	193	$	998	$	1,363

Allowance for Credit Losses

The following table summarizes ACL activity, by loan portfolio segment, for the periods presented.


	For the Three Months Ended March 31, 2026
			Commercial
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Total		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	2,842	$	19,696	$	1,826	$	21,522	$	208	$	24,572
Charge-offs	(12)		—		—		—		(29)		(41)
Recoveries	1		—		—		—		3		4
Provision for credit losses	(168)		1,993		220		2,213		19		2,064
Ending balance	$	2,663	$	21,689	$	2,046	$	23,735	$	201	$	26,599


	For the Six Months Ended March 31, 2026
			Commercial
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Total		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	3,046	$	18,277	$	2,499	$	20,776	$	217	$	24,039
Charge-offs	(12)		—		(102)		(102)		(50)		(164)
Recoveries	1		—		2		2		5		8
Provision for credit losses	(372)		3,412		(353)		3,059		29		2,716
Ending balance	$	2,663	$	21,689	$	2,046	$	23,735	$	201	$	26,599


	For the Three Months Ended March 31, 2025
			Commercial
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Total		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	3,757	$	19,790	$	1,209	$	20,999	$	241	$	24,997
Charge-offs	(113)		—		—		—		(10)		(123)
Recoveries	2		—		2		2		5		9
Provision for credit losses	(84)		(785)		(40)		(825)		(4)		(913)
Ending balance	$	3,562	$	19,005	$	1,171	$	20,176	$	232	$	23,970


	For the Six Months Ended March 31, 2025
			Commercial
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Total		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	3,673	$	17,968	$	1,186	$	19,154	$	208	$	23,035


Charge-offs	(113)		—		—		—		(27)		(140)
Recoveries	5		20		2		22		6		33
Provision for credit losses	(3)		1,017		(17)		1,000		45		1,042
Ending balance	$	3,562	$	19,005	$	1,171	$	20,176	$	232	$	23,970

At March 31, 2026 and September 30, 2025, the Bank's off-balance sheet credit exposures totaled $896.5 million and $821.6 million, respectively.

The following table summarizes the change in reserve for off-balance sheet credit exposures during the periods indicated. The increase in the reserve for off-balance sheet credit exposures as of March 31, 2026 compared to March 31, 2025 was due primarily to an increase in commercial off-balance sheet credit exposures between periods.


	For the Three Months Ended				For the Six Months Ended
	March 31, 2026		March 31, 2025		March 31, 2026		March 31, 2025
	(Dollars in thousands)
Beginning balance	$	6,000	$	4,725	$	5,546	$	6,003
Provision for credit losses	308		913		762		(365)
Ending balance	$	6,308	$	5,638	$	6,308	$	5,638