Loans Receivable And Allowance For Credit Losses (Tables)

9 Months Ended

Jun. 30, 2026

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

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


	June 30, 2026		September 30, 2025
	(Dollars in thousands)

One- to four-family:
Originated	$	3,642,458	$	3,774,134
Correspondent purchased	1,844,014		2,000,216
Bulk purchased	105,210		114,231
Construction	10,574		16,054
Total	5,602,256		5,904,635
Commercial:
Commercial real estate	2,005,641		1,709,990
Commercial and industrial	273,854		210,119
Commercial construction	193,480		195,886
Total	2,472,975		2,115,995
Consumer:
Home equity	110,372		104,809
Other	7,136		8,436
Total	117,508		113,245

Total loans receivable	8,192,739		8,133,875

Less:
ACL	26,103		24,039
Deferred loan fees/discounts	30,508		31,268
Premiums/deferred costs	(30,634)		(33,393)
	$	8,166,762	$	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 June 30, 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 fiscal year, an updated appraisal was received related to the collateral securing this lending relationship and as a result, a specific valuation allowance was recorded. The loans associated with this lending relationship were on nonaccrual at both June 30, 2026 and September 30, 2025. The loans are recourse loans and have personal guarantees.


	June 30, 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	$	195,594	$	220,814	$	202,676	$	270,657	$	496,362	$	2,232,022	$	—	$	—	$	3,618,125
Special Mention	—		479		554		780		1,541		4,718		—		—		8,072
Substandard	—		222		154		833		44		12,786		—		—		14,039
Correspondent purchased
Pass	—		—		495		273,263		411,091		1,169,762		—		—		1,854,611
Special Mention	—		—		—		2,322		729		716		—		—		3,767
Substandard	—		—		—		711		—		5,815		—		—		6,526
Bulk purchased
Pass	—		—		—		—		—		103,484		—		—		103,484
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		2,055		—		—		2,055
	195,594		221,515		203,879		548,566		909,767		3,531,358		—		—		5,610,679
Commercial:
Commercial real estate
Pass	733,700		643,789		190,812		153,645		198,836		198,248		11,505		—		2,130,535
Special Mention	—		—		182		—		15,035		—		409		—		15,626
Substandard	39,944		—		126		2,391		98		2,091		148		—		44,798
Commercial and industrial
Pass	130,456		40,613		21,903		22,647		12,050		6,196		38,623		—		272,488
Special Mention	112		—		—		—		—		—		—		—		112
Substandard	68		236		85		20		51		—		188		—		648
	904,280		684,638		213,108		178,703		226,070		206,535		50,873		—		2,464,207
Consumer:
Home equity
Pass	4,067		4,466		4,217		2,880		3,060		2,615		81,571		7,541		110,417
Special Mention	—		39		—		12		—		—		45		36		132
Substandard	—		97		—		—		—		4		64		129		294
Other
Pass	2,119		1,986		1,129		727		568		93		442		—		7,064
Special Mention	—		—		10		—		—		—		—		—		10
Substandard	35		2		—		—		25		—		—		—		62
	6,221		6,590		5,356		3,619		3,653		2,712		82,122		7,706		117,979

Total	$	1,106,095	$	912,743	$	422,343	$	730,888	$	1,139,490	$	3,740,605	$	132,995	$	7,706	$	8,192,865


	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.


	June 30, 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	$	195,594	$	221,293	$	203,230	$	271,352	$	497,164	$	2,240,591	$	—	$	—	$	3,629,224
30-89	—		—		—		380		765		5,897		—		—		7,042
90+/FC	—		222		154		538		18		3,038		—		—		3,970
Correspondent purchased
Current	—		—		495		275,333		411,820		1,171,795		—		—		1,859,443
30-89	—		—		—		252		—		1,760		—		—		2,012
90+/FC	—		—		—		711		—		2,738		—		—		3,449
Bulk purchased
Current	—		—		—		—		—		105,039		—		—		105,039
30-89	—		—		—		—		—		215		—		—		215
90+/FC	—		—		—		—		—		285		—		—		285
	195,594		221,515		203,879		548,566		909,767		3,531,358		—		—		5,610,679
Commercial:
Commercial real estate
Current	773,173		642,460		190,994		156,036		213,870		197,633		11,914		—		2,186,080
30-89	—		1,329		37		—		—		692		—		—		2,058
90+/FC	471		—		89		—		99		2,014		148		—		2,821
Commercial and industrial
Current	130,636		39,200		21,903		22,662		12,003		6,146		38,421		—		270,971
30-89	—		1,649		—		5		55		50		374		—		2,133
90+/FC	—		—		85		—		43		—		16		—		144
	904,280		684,638		213,108		178,703		226,070		206,535		50,873		—		2,464,207
Consumer:
Home equity
Current	4,067		4,602		4,217		2,892		3,013		2,616		81,362		7,493		110,262
30-89	—		—		—		—		47		3		269		124		443
90+/FC	—		—		—		—		—		—		49		89		138
Other
Current	2,110		1,977		1,139		689		592		93		442		—		7,042
30-89	9		9		—		38		—		—		—		—		56
90+/FC	35		2		—		—		1		—		—		—		38
	6,221		6,590		5,356		3,619		3,653		2,712		82,122		7,706		117,979

Total	$	1,106,095	$	912,743	$	422,343	$	730,888	$	1,139,490	$	3,740,605	$	132,995	$	7,706	$	8,192,865


	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 Nine Months Ended June 30, 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	—		—		—		—		—		—		50		—		50
Commercial and industrial	—		—		81		—		16		25		53		—		175
	—		—		81		—		16		25		103		—		225
Consumer:
Home equity	43		6		—		—		—		3		3		—		55
Other	—		—		—		15		7		—		—		—		22
	43		6		—		15		7		3		3		—		77

Total	$	43	$	6	$	93	$	15	$	23	$	28	$	106	$	—	$	314


	For the Nine Months Ended June 30, 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	35		12		—		—		—		—		—		—		47
Other	—		1		4		—		—		2		2		—		9
	35		13		4		—		—		2		2		—		56

Total	$	35	$	13	$	4	$	—	$	—	$	115	$	2	$	—	$	169

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 June 30, 2026 and September 30, 2025, all loans 90 or more days delinquent were on nonaccrual status.


	June 30, 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	$	7,042	$	3,970	$	11,012	$	3,629,224	$	3,640,236
Correspondent purchased	2,012		3,449		5,461		1,859,443		1,864,904
Bulk purchased	215		285		500		105,039		105,539
Commercial:
Commercial real estate	2,058		2,821		4,879		2,186,080		2,190,959
Commercial and industrial	2,133		144		2,277		270,971		273,248
Consumer:
Home equity	443		138		581		110,262		110,843
Other	56		38		94		7,042		7,136
	$	13,959	$	10,845	$	24,804	$	8,168,061	$	8,192,865


	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 June 30, 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 June 30, 2026 and September 30, 2025 related to two loans from the same borrowing relationship. During the current fiscal year, an updated appraisal was received related to the collateral securing the borrowing relationship and a specific valuation allowance was recorded. See additional discussion related to these loans in the "Credit Quality Indicators - Loan Classification" section above.



	June 30, 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	$	3,970	$	1,885	$	2,751	$	1,833
Correspondent purchased	3,449		868		1,409		—
Bulk purchased	285		200		135		—
Commercial:
Commercial real estate	42,327		26,737		43,087		43,087
Commercial and industrial	648		648		320		320
Consumer:
Home equity	138		30		46		—
Other	38		—		48		14
	$	50,855	$	30,368	$	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 nine months ended June 30, 2026, the only charge-offs associated with modified loans during the period were $12 thousand for one- to four-family originated loans. During the nine months ended June 30, 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 three and nine months ended June 30, 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 June 30, 2026.


	For the Three Months Ended June 30, 2026


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	1,386	$	56	$	1,442	—	%
Correspondent purchased	—		1,389		—		1,389		0.1
Bulk purchased	—		—		—		—		—
	—		2,775		56		2,831		0.1
Commercial:
Commercial real estate	39,306		—		—		39,306		1.8
Commercial and industrial	—		—		149		149		0.1
	39,306		—		149		39,455		1.6
Consumer loans:
Home equity	—		—		—		—		—
Other	—		—		—		—		—
	—		—		—		—		—

Total	$	39,306	$	2,775	$	205	$	42,286	0.5


	For the Nine Months Ended June 30, 2026


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	133	$	5,446	$	1,050	$	6,629	0.2	%
Correspondent purchased	—		2,082		367		2,449		0.1
Bulk purchased	—		—		—		—		—
	133		7,528		1,417		9,078		0.2
Commercial:
Commercial real estate	40,220		—		—		40,220		1.8
Commercial and industrial	—		—		161		161		0.1
	40,220		—		161		40,381		1.6
Consumer loans:
Home equity	40		—		—		40		—
Other	—		—		—		—		—
	40		—		—		40		—

Total	$	40,393	$	7,528	$	1,578	$	49,499	0.6


	For the Three Months Ended June 30, 2025


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	340	$	3,110	$	1,645	$	5,095	0.1	%
Correspondent purchased	—		—		523		523		—
Bulk purchased	—		—		—		—		—
	340		3,110		2,168		5,618		0.1
Commercial:
Commercial real estate	39,962		—		—		39,962		2.3
Commercial and industrial	—		691		—		691		0.4
	39,962		691		—		40,653		2.1
Consumer loans:
Home equity	—		—		—		—		—
Other	—		—		—		—		—
	—		—		—		—		—

Total	$	40,302	$	3,801	$	2,168	$	46,271	0.6


	For the Nine Months Ended June 30, 2025


					Term
					Extension				Total
					and				Class of
	Payment		Term		Payment				Financing
	Delay		Extension		Delay		Total		Receivable
	(Dollars in thousands)
One- to four-family:
Originated	$	470	$	4,455	$	2,271	$	7,196	0.2	%
Correspondent purchased	—		—		710		710		—
Bulk purchased	—		—		—		—		—
	470		4,455		2,981		7,906		0.1
Commercial:
Commercial real estate	47,912		—		—		47,912		2.8
Commercial and industrial	—		994		—		994		0.5
	47,912		994		—		48,906		2.6
Consumer loans:
Home equity	20		35		—		55		0.1
Other	—		—		—		—		—
	20		35		—		55		—

Total	$	48,402	$	5,484	$	2,981	$	56,867	0.7

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 June 30, 2026

For the Nine Months Ended June 30, 2026

Payment

Term

Payment

Term

Delay

Extension

Delay

Extension

One- to four-family:

Originated

8 months

43 months

8 months

41 months

Correspondent purchased

N/A

39 months

8 months

30 months

Commercial:

Commercial real estate

13 months

N/A

13 months

N/A

Commercial and industrial

5 months

18 months

9 months

21 months

Consumer:

Consumer home equity

N/A

8 months

N/A

For the Three Months Ended June 30, 2025

For the Nine Months Ended June 30, 2025

Payment

Term

Payment

Term

Delay

Extension

Delay

Extension

One- to four-family:

Originated

8 months

26 months

8 months

23 months

Correspondent purchased

8 months

27 months

8 months

44 months

Commercial:

Commercial real estate

8 months

N/A

8 months

N/A

Commercial and industrial

N/A

6 months

N/A

5 months

Consumer:

Consumer home equity

N/A

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 June 30, 2026 and June 30, 2025, on loans modified during the preceding 12-months for borrowers experiencing financial difficulty that were delinquent as of June 30, 2026 and June 30, 2025, respectively. All other loans modified to borrowers experiencing financial difficulty during the periods noted were current as of June 30, 2026 and June 30, 2025.


	As of June 30, 2026						As of June 30, 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	$	590	$	413	$	1,003	$	1,610	$	193	$	1,803
Correspondent purchased	367		—		367		—		—		—
Bulk purchased	—		—		—		—		—		—
Commercial:
Commercial real estate	—		914		914		—		—		—
Commercial and industrial	—		—		—		994		—		994
Consumer loans:
Home equity	—		—		—		86		—		86
Other	—		—		—		—		—		—
Total	$	957	$	1,327	$	2,284	$	2,690	$	193	$	2,883

Modifications, Subsequent Default

The following tables present the amortized cost basis of loans that had a payment default during the three and nine months ended June 30, 2026 or June 30, 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 June 30, 2026								For the Nine Months Ended June 30, 2026


					Term									Term
					Extension									Extension
					and									and
	Payment		Term		Payment					Payment		Term		Payment
	Delay		Extension		Delay		Total			Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	259	$	154	$	413		$	—	$	614	$	250	$	864
Correspondent purchased	—		—		—		—			—		—		—		—
Bulk purchased	—		—		—		—			—		—		—		—
Commercial:
Commercial real estate	914		—		—		914			914		—		—		914
Commercial and industrial	—		—		—		—			—		—		—		—
Consumer loans:
Home equity	—		—		—		—			—		—		—		—
Other	—		—		—		—			—		—		—		—
Total	$	914	$	259	$	154	$	1,327		$	914	$	614	$	250	$	1,778


	For the Three Months Ended June 30, 2025								For the Nine Months Ended June 30, 2025


					Term									Term
					Extension									Extension
					and									and
	Payment		Term		Payment					Payment		Term		Payment
	Delay		Extension		Delay		Total			Delay		Extension		Delay		Total
	(Dollars in thousands)
One- to four-family:
Originated	$	—	$	193	$	—	$	193		$	82	$	193	$	148	$	423
Correspondent purchased	—		—		—		—			—		—		426		426
Bulk purchased	—		—		—		—			—		—		—		—
Commercial:
Commercial real estate	—		—		—		—			—		—		192		192
Commercial and industrial	—		—		—		—			—		—		227		227
Consumer loans:
Home equity	—		—		—		—			85		—		—		85
Other	—		—		—		—			—		—		—		—
Total	$	—	$	193	$	—	$	193		$	167	$	193	$	993	$	1,353

Allowance for Credit Losses

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


	For the Three Months Ended June 30, 2026
			Commercial
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Total		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	2,663	$	21,689	$	2,046	$	23,735	$	201	$	26,599
Charge-offs	—		(50)		(73)		(123)		(27)		(150)
Recoveries	1		—		—		—		1		2
Provision for credit losses	(440)		(753)		837		84		8		(348)
Ending balance	$	2,224	$	20,886	$	2,810	$	23,696	$	183	$	26,103


	For the Nine Months Ended June 30, 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)		(50)		(175)		(225)		(77)		(314)
Recoveries	2		—		2		2		6		10
Provision for credit losses	(812)		2,659		484		3,143		37		2,368
Ending balance	$	2,224	$	20,886	$	2,810	$	23,696	$	183	$	26,103


	For the Three Months Ended June 30, 2025
			Commercial
	One- to four-		Commercial		Commercial
	Family		Real Estate		and Industrial		Total		Consumer		Total
	(Dollars in thousands)
Beginning balance	$	3,562	$	19,005	$	1,171	$	20,176	$	232	$	23,970
Charge-offs	—		—		—		—		(29)		(29)
Recoveries	2		—		1		1		1		4
Provision for credit losses	(32)		(2,407)		1,269		(1,138)		33		(1,137)
Ending balance	$	3,532	$	16,598	$	2,441	$	19,039	$	237	$	22,808


	For the Nine Months Ended June 30, 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)		—		—		—		(56)		(169)
Recoveries	7		20		3		23		7		37
Provision for credit losses	(35)		(1,390)		1,252		(138)		78		(95)
Ending balance	$	3,532	$	16,598	$	2,441	$	19,039	$	237	$	22,808

At June 30, 2026 and September 30, 2025, the Bank's off-balance sheet credit exposures totaled $990.7 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 during the current fiscal year was due primarily to an increase in commercial off-balance sheet credit exposures.


	For the Three Months Ended				For the Nine Months Ended
	June 30, 2026		June 30, 2025		June 30, 2026		June 30, 2025
	(Dollars in thousands)
Beginning balance	$	6,308	$	5,638	$	5,546	$	6,003
Provision for credit losses	(85)		686		677		321
Ending balance	$	6,223	$	6,324	$	6,223	$	6,324