| Schedule of Loan Portfolio |
The following tables present the classes of the loan portfolio by origination year summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard and Doubtful for loans subject to the Company’s internal risk rating system and by performing status for all other loans as of June 30, 2026 and September 30, 2025: | | | June 30, 2026 | | | Revolving Loans | | | | | | | | Term Loans Amortized Cost Basis by Origination Fiscal Year | | | Amortized | | | Converted | | | | | | | | 2026 | | | 2025 | | | 2024 | | | 2023 | | | 2022 | | | Prior | | | Cost Basis | | | to Term | | | Total | | | | | (In thousands) | | | One-to-four family residential | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 17,272 | | | $ | 17,949 | | | $ | 31,246 | | | $ | 23,494 | | | $ | 27,802 | | | $ | 113,949 | | | $ | — | | | $ | 2,769 | | | $ | 234,481 | | | Non-performing | | | — | | | | — | | | | — | | | | 213 | | | | — | | | | — | | | | — | | | | — | | | | 213 | | | Total | | $ | 17,272 | | | $ | 17,949 | | | $ | 31,246 | | | $ | 23,707 | | | $ | 27,802 | | | $ | 113,949 | | | $ | — | | | $ | 2,769 | | | $ | 234,694 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 69,083 | | | $ | 105,757 | | | $ | 95,255 | | | $ | 67,483 | | | $ | 62,098 | | | $ | 178,524 | | | $ | 8,700 | | | $ | — | | | $ | 586,900 | | | Special Mention | | | — | | | | — | | | | 233 | | | | 1,052 | | | | — | | | | 1,535 | | | | — | | | | — | | | | 2,820 | | | Substandard | | | — | | | | — | | | | — | | | | — | | | | 89 | | | | — | | | | — | | | | — | | | | 89 | | | Doubtful | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 69,083 | | | $ | 105,757 | | | $ | 95,488 | | | $ | 68,535 | | | $ | 62,187 | | | $ | 180,059 | | | $ | 8,700 | | | $ | — | | | $ | 589,809 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and land | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 9,365 | | | $ | 1,650 | | | $ | — | | | $ | — | | | $ | — | | | $ | 1,338 | | | $ | 400 | | | $ | — | | | $ | 12,753 | | | Special Mention | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Substandard | | | — | | | | — | | | | — | | | | — | | | | — | | | | 820 | | | | — | | | | — | | | | 820 | | | Doubtful | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 9,365 | | | $ | 1,650 | | | $ | — | | | $ | — | | | $ | — | | | $ | 2,158 | | | $ | 400 | | | $ | — | | | $ | 13,573 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | 300 | | | | — | | | | — | | | | 300 | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home equity loans and lines of credit | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 1,240 | | | $ | 447 | | | $ | 973 | | | $ | 678 | | | $ | 1,327 | | | $ | 1,156 | | | $ | 25,203 | | | $ | — | | | $ | 31,024 | | | Non-performing | | | — | | | | — | | | | 64 | | | | 82 | | | | — | | | | — | | | | — | | | | — | | | | 146 | | | Total | | $ | 1,240 | | | $ | 447 | | | $ | 1,037 | | | $ | 760 | | | $ | 1,327 | | | $ | 1,156 | | | $ | 25,203 | | | $ | — | | | $ | 31,170 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial business | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 1,189 | | | $ | 474 | | | $ | 875 | | | $ | 564 | | | $ | 1,844 | | | $ | 2,741 | | | $ | 11,155 | | | $ | — | | | $ | 18,842 | | | Special Mention | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Substandard | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Doubtful | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 1,189 | | | $ | 474 | | | $ | 875 | | | $ | 564 | | | $ | 1,844 | | | $ | 2,741 | | | $ | 11,155 | | | $ | — | | | $ | 18,842 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Other | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 322 | | | $ | 1 | | | $ | 15 | | | $ | — | | | $ | 8 | | | $ | 1,386 | | | $ | 192 | | | $ | — | | | $ | 1,924 | | | Non-performing | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 322 | | | $ | 1 | | | $ | 15 | | | $ | — | | | $ | 8 | | | $ | 1,386 | | | $ | 192 | | | $ | — | | | $ | 1,924 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | September 30, 2025 | | | Revolving Loans | | | | | | | | Term Loans Amortized Cost Basis by Origination Fiscal Year | | | Amortized | | | Converted | | | | | | | | 2025 | | | 2024 | | | 2023 | | | 2022 | | | 2021 | | | Prior | | | Cost Basis | | | to Term | | | Total | | | | | (In thousands) | | | One-to-four family residential | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 18,873 | | | $ | 31,952 | | | $ | 36,663 | | | $ | 28,465 | | | $ | 23,556 | | | $ | 102,642 | | | $ | — | | | $ | — | | | $ | 242,151 | | | Non-performing | | | — | | | | — | | | | 213 | | | | 90 | | | | — | | | | — | | | | — | | | | — | | | | 303 | | | Total | | $ | 18,873 | | | $ | 32,165 | | | $ | 36,663 | | | $ | 28,555 | | | $ | 23,556 | | | $ | 102,642 | | | $ | — | | | $ | — | | | $ | 242,454 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial real estate | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 111,456 | | | $ | 86,068 | | | $ | 70,546 | | | $ | 63,905 | | | $ | 54,060 | | | $ | 140,866 | | | $ | 6,110 | | | $ | — | | | $ | 533,011 | | | Special Mention | | | — | | | | — | | | | — | | | | 91 | | | | — | | | | 111 | | | | — | | | | — | | | | 202 | | | Substandard | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Doubtful | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 111,456 | | | $ | 86,068 | | | $ | 70,546 | | | $ | 63,996 | | | $ | 54,060 | | | $ | 140,977 | | | $ | 6,110 | | | $ | — | | | $ | 533,213 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Construction and land | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 10,037 | | | $ | 12,982 | | | $ | 3,405 | | | $ | — | | | $ | — | | | $ | 2,863 | | | $ | — | | | $ | — | | | $ | 29,287 | | | Special Mention | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Substandard | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Doubtful | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 10,037 | | | $ | 12,982 | | | $ | 3,405 | | | $ | — | | | $ | — | | | $ | 2,863 | | | $ | — | | | $ | — | | | $ | 29,287 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Home equity loans and lines of credit | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 492 | | | $ | 1,181 | | | $ | 1,271 | | | $ | 1,523 | | | $ | 265 | | | $ | 1,090 | | | $ | 25,808 | | | $ | — | | | $ | 31,630 | | | Non-performing | | | — | | | | — | | | | 148 | | | | — | | | | — | | | | — | | | | — | | | | — | | | | 148 | | | Total | | $ | 492 | | | $ | 1,181 | | | $ | 1,419 | | | $ | 1,523 | | | $ | 265 | | | $ | 1,090 | | | $ | 25,808 | | | $ | — | | | $ | 31,778 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Commercial business | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Pass | | $ | 669 | | | $ | 1,195 | | | $ | 465 | | | $ | 2,001 | | | $ | 1,061 | | | $ | 2,270 | | | $ | 12,240 | | | $ | 147 | | | $ | 20,048 | | | Special Mention | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Substandard | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Doubtful | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 669 | | | $ | 1,195 | | | $ | 465 | | | $ | 2,001 | | | $ | 1,061 | | | $ | 2,270 | | | $ | 12,240 | | | $ | 147 | | | $ | 20,048 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Other | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Performing | | $ | 464 | | | $ | 18 | | | $ | — | | | $ | 25 | | | $ | — | | | $ | 1,423 | | | $ | 189 | | | $ | — | | | $ | 2,119 | | | Non-performing | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Total | | $ | 464 | | | $ | 18 | | | $ | — | | | $ | 25 | | | $ | — | | | $ | 1,423 | | | $ | 189 | | | $ | — | | | $ | 2,119 | | | Current period gross charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | |
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| Schedule of the Loan Portfolio by Analyzing the Age |
Management further monitors the performance and credit quality of the loan portfolio by analyzing the age of the portfolio as determined by the length of time a recorded payment is past due. The Bank was not accruing interest on any loans delinquent 90 days or greater as of June 30, 2026 and September 30, 2025. The following tables present the classes of the loan portfolio summarized by the aging categories of loans for the periods presented: | | | | | | 30-59 | | | 60-89 | | | | | | | | | | | | | | Days | | | Days | | | 90 Days + | | | Total | | | | | Current | | | Past Due | | | Past Due | | | Past Due | | | Loans | | | | | (In thousands) | | | June 30, 2026 | | | | | | | | | | | | | | | | | One-to-four family residential | | $ | 234,481 | | | $ | — | | | $ | — | | | $ | 213 | | | $ | 234,694 | | | Commercial real estate | | | 588,544 | | | | — | | | | 1,265 | | | | — | | | | 589,809 | | | Construction and land | | | 13,573 | | | | — | | | | — | | | | — | | | | 13,573 | | | Home equity lines of credit | | | 31,024 | | | | — | | | | — | | | | 146 | | | | 31,170 | | | Commercial business | | | 18,842 | | | | — | | | | — | | | | — | | | | 18,842 | | | Other | | | 1,924 | | | | — | | | | — | | | | — | | | | 1,924 | | | Total | | $ | 888,388 | | | $ | — | | | $ | 1,265 | | | $ | 359 | | | $ | 890,012 | | | | | | | | 30-59 | | | 60-89 | | | | | | | | | | | | | | Days | | | Days | | | 90 Days + | | | Total | | | | | Current | | | Past Due | | | Past Due | | | Past Due | | | Loans | | | | | (Iin thousands) | | | September 30, 2025 | | | | | | | | | | | | | | | | | One-to four-family residential | | $ | 240,975 | | | $ | 1,016 | | | $ | 160 | | | $ | 303 | | | $ | 242,454 | | | Commercial real estate | | | 532,867 | | | | — | | | | 346 | | | | — | | | | 533,213 | | | Construction and land | | | 29,287 | | | | — | | | | — | | | | — | | | | 29,287 | | | Home equity lines of credit | | | 31,630 | | | | — | | | | — | | | | 148 | | | | 31,778 | | | Commercial business | | | 19,913 | | | | 135 | | | | — | | | | — | | | | 20,048 | | | Other | | | 2,119 | | | | — | | | | — | | | | — | | | | 2,119 | | | Total | | $ | 856,791 | | | $ | 1,151 | | | $ | 506 | | | $ | 451 | | | $ | 858,899 | |
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| Schedule of Allowance for Credit Losses |
The following tables set forth the allocation of the Bank’s ACL by loan category at the dates indicated. The portion of the ACL allocated to each loan category does not represent the total available for future losses which may occur within the loan category as the total allowance for credit losses is a valuation allocation applicable to the entire loan portfolio. The Company generally charges off the collateral or discounted cash flow deficiency on all loans at 90 days past due and all loans rated substandard or worse that are 90 days past due. | | | One-to-Four | | | | | | | | | Home Equity | | | | | | | | | | | | | | | | | Family | | | Commercial | | | Construction | | | Lines of | | | Commercial | | | | | | | | | | | | | | Residential | | | Real Estate | | | and Land | | | Credit | | | Business | | | Other | | | Unallocated | | | Total | | | | | (Dollars in thousands) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance-September 30, 2025 | | $ | 838 | | | $ | 5,975 | | | $ | 754 | | | $ | 40 | | | $ | 742 | | | $ | 2 | | | $ | (1 | ) | | $ | 8,350 | | | Charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Recoveries | | | — | | | | — | | | | — | | | | — | | | | 2 | | | | — | | | | — | | | | 2 | | | Provision (credit) | | | (152 | ) | | | (249 | ) | | | 524 | | | | (8 | ) | | | (42 | ) | | | (2 | ) | | | — | | | | 71 | | | Balance- December 31, 2025 | | $ | 686 | | | $ | 5,726 | | | $ | 1,278 | | | $ | 32 | | | $ | 702 | | | $ | — | | | $ | (1 | ) | | $ | 8,423 | | | Charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Recoveries | | | — | | | | — | | | | — | | | | — | | | | 4 | | | | — | | | | — | | | | 4 | | | Provision (credit) | | | (17 | ) | | | 92 | | | | 100 | | | | (1 | ) | | | (3 | ) | | | — | | | | 1 | | | | 172 | | | Balance- March 31, 2026 | | $ | 669 | | | $ | 5,818 | | | $ | 1,378 | | | $ | 31 | | | $ | 703 | | | $ | — | | | $ | — | | | $ | 8,599 | | | Charge-offs | | | — | | | | — | | | | (300 | ) | | | — | | | | — | | | | — | | | | — | | | | (300 | ) | | Recoveries | | | 1 | | | | — | | | | — | | | | — | | | | 3 | | | | — | | | | — | | | | 4 | | | Provision (credit) | | | 22 | | | | 652 | | | | (490 | ) | | | — | | | | — | | | | — | | | | — | | | | 184 | | | Balance- June 30, 2026 | | $ | 692 | | | $ | 6,470 | | | $ | 588 | | | $ | 30 | | | $ | 706 | | | $ | — | | | $ | — | | | $ | 8,487 | | | | | One-to-Four | | | | | | | | | Home Equity | | | | | | | | | | | | | | | | | Family | | | Commercial | | | Construction | | | Lines of | | | Commercial | | | | | | | | | | | | | | Residential | | | Real Estate | | | and Land | | | Credit | | | Business | | | Other | | | Unallocated | | | Total | | | | | (In thousands) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | Balance- September 30, 2024 | | $ | 755 | | | $ | 5,334 | | | $ | 624 | | | $ | 30 | | | $ | 805 | | | $ | — | | | $ | — | | | $ | 7,548 | | | Charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Recoveries | | | — | | | | — | | | | — | | | | — | | | | 103 | | | | — | | | | — | | | | 103 | | | Provision (credit) | | | (1 | ) | | | 261 | | | | 71 | | | | 3 | | | | (125 | ) | | | — | | | | — | | | | 209 | | | Balance- December 31, 2024 | | $ | 754 | | | $ | 5,595 | | | $ | 695 | | | $ | 33 | | | $ | 783 | | | $ | — | | | $ | — | | | $ | 7,860 | | | Charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Recoveries | | | — | | | | — | | | | — | | | | — | | | | 5 | | | | — | | | | — | | | | 5 | | | Provision (credit) | | | 1 | | | | 54 | | | | (169 | ) | | | 2 | | | | (17 | ) | | | — | | | | 200 | | | | 71 | | | Balance- March 31, 2025 | | $ | 755 | | | $ | 5,649 | | | $ | 526 | | | $ | 35 | | | $ | 771 | | | $ | — | | | $ | 200 | | | $ | 7,936 | | | Charge-offs | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | | — | | | Recoveries | | | 1 | | | | — | | | | — | | | | — | | | | 2 | | | | — | | | | — | | | | 3 | | | Provision (credit) | | | (24 | ) | | | 220 | | | | 138 | | | | (1 | ) | | | (13 | ) | | | — | | | | (200 | ) | | | 120 | | | Balance- June 30, 2025 | | $ | 732 | | | $ | 5,869 | | | $ | 664 | | | $ | 34 | | | $ | 760 | | | $ | — | | | $ | — | | | $ | 8,059 | |
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