v3.26.1
Condensed 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 and dividend income:        
Loans and leases, including fees $ 101,289 $ 108,766 $ 323,893 $ 340,370
Mortgage-backed securities 7,396 8,337 22,798 25,903
Other investments 5,348 6,489 19,440 27,679
Total interest and dividend income 114,033 123,592 366,131 393,952
Interest expense:        
Deposits 140 287 4,620 5,147
FHLB advances and other borrowings 980 992 4,136 4,963
Total interest expense 1,120 1,279 8,756 10,110
Net interest income 112,913 122,313 357,375 383,842
Provision for credit loss 28,309 9,278 77,155 63,205
Net interest income after provision for credit loss 84,604 113,035 280,220 320,637
Noninterest income:        
(Loss) on sale of securities 0 0 0 (22,899)
Gain on divestitures 0 0 0 15,044
Secondary market revenue 13,969 7,144 21,700 26,900
Gain (loss) on sale of other (51) 394 1,320 2,007
Other income 6,731 5,496 19,550 18,934
Total noninterest income 76,731 73,442 281,674 269,344
Noninterest expense:        
Compensation and benefits 52,361 48,559 159,630 149,755
Refund transfer product expense 2,758 2,818 11,958 11,401
Refund advance expense 90 (74) 1,587 1,225
Card processing 30,671 36,197 94,583 105,750
Building and software 13,054 10,633 37,835 30,646
Operating lease equipment depreciation 7,545 11,569 26,615 34,775
Legal and consulting 6,122 11,094 17,007 22,197
Intangible amortization 718 798 2,407 2,693
Impairment expense 177 1,077 177 2,590
Other expense 15,625 16,651 47,991 54,264
Total noninterest expense 129,121 139,322 399,790 415,296
Income before income tax expense 32,214 47,155 162,104 174,685
Income tax expense 3,062 4,795 24,426 26,966
Net income before noncontrolling interest 29,152 42,360 137,678 147,719
Net income attributable to noncontrolling interest 183 213 633 650
Net income attributable to parent $ 28,969 $ 42,147 $ 137,045 $ 147,069
Earnings per common share:        
Basic (in dollars per share) $ 1.37 $ 1.83 $ 6.32 $ 6.20
Diluted (in dollars per share) $ 1.37 $ 1.81 $ 6.29 $ 6.17
Refund transfer product fees        
Noninterest income:        
Noninterest income: $ 11,209 $ 9,846 $ 46,353 $ 42,919
Refund advance and other tax fee income        
Noninterest income:        
Noninterest income: 696 307 58,341 49,416
Card and deposit fees        
Noninterest income:        
Noninterest income: 34,570 37,342 102,236 97,201
Rental income        
Noninterest income:        
Noninterest income: $ 9,607 $ 12,913 $ 32,174 $ 39,822