v3.26.1
CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Jun. 30, 2026
Jun. 30, 2025
INTEREST INCOME        
Loans receivable $ 267,243 $ 279,476 $ 793,598 $ 848,150
Mortgage-backed securities 46,569 27,855 129,812 70,118
Investment securities and cash equivalents 18,313 24,383 55,945 94,647
Total income 332,125 331,714 979,355 1,012,915
INTEREST EXPENSE        
Customer accounts 123,079 146,735 385,292 460,833
Borrowings and junior subordinated debentures 27,708 16,991 64,044 67,753
Total interest expense 150,787 163,726 449,336 528,586
Net interest income 181,338 167,988 530,019 484,329
Provision for credit losses 11,000 2,000 18,500 4,750
Net interest income after provision 170,338 165,988 511,519 479,579
NON-INTEREST INCOME        
Gain on sale of investment securities 112 0 112 20
Gain (loss) on termination of hedging derivatives (12) 56 438 126
Loan fee income 2,181 1,650 5,751 4,807
Deposit fee income $ 8,142 $ 7,588 $ 23,674 $ 21,691
Revenue, Product and Service [Extensible Enumeration] Deposit Account [Member] Deposit Account [Member] Deposit Account [Member] Deposit Account [Member]
Other income $ 13,755 $ 8,979 $ 34,271 $ 26,212
Total non-interest income 24,178 18,273 64,246 52,856
NON-INTEREST EXPENSE        
Compensation and benefits 57,399 53,481 168,709 166,118
Occupancy 11,842 11,755 34,723 34,042
FDIC insurance premiums 5,542 5,150 15,992 15,800
Product delivery 7,067 6,621 20,751 19,313
Information technology 16,157 15,022 46,460 43,695
Other expense 12,327 12,298 39,277 41,502
Total non-interest expense 110,334 104,327 325,912 320,470
Gain (loss) on real estate owned, net 167 (176) 603 54
Income before income taxes 84,349 79,758 250,456 212,019
Income tax expense 18,219 17,806 54,582 46,548
Net income 66,130 61,952 195,874 165,471
Dividends on preferred stock 3,656 3,656 10,969 10,968
Net income available to common shareholders $ 62,474 $ 58,296 $ 184,905 $ 154,503
PER SHARE DATA        
Basic earnings per common share (in dollars per share) $ 0.85 $ 0.73 $ 2.45 $ 1.91
Diluted earnings per common share (in dollars per share) 0.84 0.73 2.45 1.91
Dividends paid on common stock per share (in dollars per share) $ 0.27 $ 0.27 $ 0.81 $ 0.80
Basic weighted average shares outstanding (in shares) 73,901,725 79,888,520 75,458,381 80,748,838
Diluted weighted average shares outstanding (in shares) 74,046,838 79,907,672 75,553,798 80,821,807