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Loans Receivable and Allowance for Loan Losses (Tables)
 12 Months Ended
Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]  
Schedule of Loans Receivable and Loans Held for Sale
Loans receivable by portfolio segment consisted of the following at September 30, 2023 and 2022 (dollars in thousands):

 20232022
Mortgage loans:  
One- to four-family$253,227 $176,116 
Multi-family127,176 95,025 
Commercial568,265 536,650 
Construction – custom and owner/builder129,699 119,240 
Construction – speculative one- to four-family17,099 12,254 
Construction – commercial51,064 40,364 
Construction – multi-family57,140 64,480 
Construction – land development18,841 19,280 
Land26,726 26,854 
     Total mortgage loans
1,249,237 1,090,263 
Consumer loans:  
Home equity and second mortgage38,281 35,187 
Other2,772 2,128 
     Total consumer loans
41,053 37,315 
Commercial loans:
Commercial business135,802 125,039 
SBA Paycheck Protection Program ("PPP") 466 1,001 
     Total commercial loans136,268 126,040 
      Total loans receivable
1,426,558 1,253,618 
Less:  
Undisbursed portion of construction loans in process103,194 103,168 
Deferred loan origination fees, net5,242 4,321 
Allowance for loan losses15,817 13,703 
 124,253 121,192 
Loans receivable, net$1,302,305 $1,132,426 
Schedule of Activity in Related Party Loans Activity in related party loans during the years ended September 30, 2023, 2022 and 2021 was as follows (dollars in thousands):
 202320222021
Balance, beginning of year$50 $466 $248 
New loans or borrowings61 40 316 
Repayments and reclassifications(9)(456)(98)
Balance, end of year$102 $50 $466 
Schedule of Allowance for Loan Losses
The following table sets forth information for the year ended September 30, 2023 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands):
 Beginning
Allowance		Provision for (Recapture of) Loan LossesCharge-
offs		RecoveriesEnding
Allowance
Mortgage loans:     
  One- to four-family$1,658 $759 $— $— $2,417 
  Multi-family855 301 — — 1,156 
  Commercial6,682 527 — — 7,209 
  Construction – custom and owner/builder675 75 — — 750 
  Construction – speculative one- to four-family130 18 — — 148 
  Construction – commercial343 (27)— — 316 
  Construction – multi-family447 155 — — 602 
  Construction – land development233 41 — — 274 
  Land397 9 — — 406 
Consumer loans:    
  Home equity and second mortgage440 79 — — 519 
  Other42 14 (4)1 53 
Commercial business loans1,801 181 (15)— 1,967 
   Total
$13,703 $2,132 $(19)$1 $15,817 
The following table sets forth information for the year ended September 30, 2022 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands):
 Beginning
Allowance		Provision for (Recapture of) Loan LossesCharge-
offs		RecoveriesEnding
Allowance
Mortgage loans:     
  One- to four-family$1,154 $504 $— $— $1,658 
  Multi-family765 90 — — 855 
  Commercial6,813 (131)— — 6,682 
  Construction – custom and owner/builder644 31 — — 675 
  Construction – speculative one- to four-family188 (58)— — 130 
  Construction – commercial784 (441)— — 343 
  Construction – multi-family436 11 — — 447 
  Construction – land development124 109 — — 233 
  Land470 (73)— — 397 
Consumer loans:     
  Home equity and second mortgage528 (88)— — 440 
  Other50 1 (10)1 42 
Commercial business loans1,513 315 (49)22 1,801 
   Total
$13,469 $270 $(59)$23 $13,703 


The following table sets forth information for the year ended September 30, 2021 regarding activity in the allowance for loan losses by portfolio segment (dollars in thousands):
 Beginning
Allowance		Provision for (Recapture of) Loan LossesCharge-
offs		RecoveriesEnding
Allowance
Mortgage loans:     
  One- to four-family$1,163 $(9)$— $— $1,154 
  Multi-family718 47 — — 765 
  Commercial7,144 (331)— — 6,813 
  Construction – custom and owner/builder832 (188)— — 644 
  Construction – speculative one- to four-family158 30 — — 188 
  Construction – commercial420 364 — — 784 
  Construction – multi-family238 198 — — 436 
  Construction – land development133 (9)— — 124 
  Land572 (147)— 45 470 
Consumer loans:     
  Home equity and second mortgage593 (65)— — 528 
  Other71 (24)(1)4 50 
Commercial business loans1,372 134 (2)9 1,513 
   Total
$13,414 $— $(3)$58 $13,469 
Schedule of Loans Evaluated Individually for Impairment and Collectively Evaluated for Impairment in the Allowance for Loan Losses
The following table presents information on loans evaluated individually and collectively for impairment in the allowance for loan losses by portfolio segment at September 30, 2023 (dollars in thousands):
 Allowance for Loan LossesRecorded Investment in Loans
 Individually
Evaluated for
Impairment		Collectively
Evaluated for
Impairment		TotalIndividually
Evaluated for
Impairment		Collectively
Evaluated for
Impairment		Total
Mortgage loans:      
One- to four-family
$— $2,417 $2,417 $368 $252,859 $253,227 
Multi-family
— 1,156 1,156 — 127,176 127,176 
Commercial
— 7,209 7,209 2,973 565,292 568,265 
Construction – custom and owner/ builder
— 750 750 — 73,239 73,239 
Construction – speculative one- to four-family
— 148 148 — 9,361 9,361 
Construction – commercial
— 316 316 — 26,030 26,030 
Construction – multi-family
— 602 602 — 45,890 45,890 
Construction – land development
— 274 274 — 16,129 16,129 
Land
— 406 406 — 26,726 26,726 
Consumer loans:   
Home equity and second mortgage
— 519 519 382 37,899 38,281 
Other
— 53 53 — 2,772 2,772 
Commercial business loans123 1,844 1,967 286 135,516 135,802 
SBA PPP loans— — — — 466 466 
     Total$123 $15,694 $15,817 $4,009 $1,319,355 $1,323,364 
The following table presents information on loans evaluated individually and collectively for impairment in the allowance for loan losses by portfolio segment at September 30, 2022 (dollars in thousands):
 Allowance for Loan LossesRecorded Investment in Loans
 Individually
Evaluated for
Impairment		Collectively
Evaluated for
Impairment		TotalIndividually
Evaluated for
Impairment		Collectively
Evaluated for
Impairment		Total
Mortgage loans:      
One- to four-family
$— $1,658 $1,658 $388 $175,728 $176,116 
Multi-family
— 855 855 — 95,025 95,025 
Commercial
— 6,682 6,682 2,988 533,662 536,650 
Construction – custom and owner/ builder
— 675 675 — 67,091 67,091 
Construction – speculative one- to four-family
— 130 130 — 8,364 8,364 
Construction – commercial
— 343 343 — 29,059 29,059 
Construction – multi-family
— 447 447 — 34,354 34,354 
Construction – land development
— 233 233 — 13,582 13,582 
Land
— 397 397 450 26,404 26,854 
Consumer loans:      
Home equity and second mortgage
— 440 440 394 34,793 35,187 
Other
— 42 42 3 2,125 2,128 
Commercial business loans127 1,674 1,801 309 124,730 125,039 
SBA PPP loans— — — — 1,001 1,001 
     Total$127 $13,576 $13,703 $4,532 $1,145,918 $1,150,450 
Past Due Status of Loans Receivable
The following table presents an analysis of loans by aging category and portfolio segment at September 30, 2023 (dollars in thousands):
 30-59
Days
Past Due		60-89
Days
Past Due		Non-
Accrual(1)		Past Due
90 Days
or More
and Still
Accruing		Total
Past Due		CurrentTotal
Loans
Mortgage loans:       
One- to four-family
$— $— $368 $— $368 $252,859 $253,227 
Multi-family
— — — — — 127,176 127,176 
Commercial
— — 683 — 683 567,582 568,265 
Construction – custom and owner/ builder
151 — — — 151 73,088 73,239 
Construction – speculative one- to four-family
— — — — — 9,361 9,361 
Construction – commercial
— — — — — 26,030 26,030 
Construction – multi-family
— — — — — 45,890 45,890 
Construction – land development
— — — — — 16,129 16,129 
Land
— — — — — 26,726 26,726 
Consumer loans:     
Home equity and second mortgage
— — 177 — 177 38,104 38,281 
Other
— — — — — 2,772 2,772 
Commercial business loans— — 286 — 286 135,516 135,802 
SBA PPP loans— — — — — 466 466 
   Total
$151 $— $1,514 $— $1,665 $1,321,699 $1,323,364 
__________________
(1)Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.
The following table presents an analysis of loans by aging category and portfolio segment at September 30, 2022 (dollars in thousands):
 30-59
Days
Past Due		60-89
Days
Past Due		Non-
Accrual(1)		Past Due
90 Days
or More
and Still
Accruing		Total
Past Due		CurrentTotal
Loans
Mortgage loans:       
One- to four-family
$— $— $388 $— $388 $175,728 $176,116 
Multi-family
— — — — — 95,025 95,025 
Commercial
— — 657 — 657 535,993 536,650 
Construction – custom and owner/ builder
— — — — — 67,091 67,091 
Construction – speculative one- to four-family
— — — — — 8,364 8,364 
Construction – commercial
— — — — — 29,059 29,059 
Construction – multi-family
— — — — — 34,354 34,354 
Construction – land development
— — — — — 13,582 13,582 
Land
— — 450 — 450 26,404 26,854 
Consumer loans:      
Home equity and second mortgage
37 — 252 — 289 34,898 35,187 
Other
— — 3 — 3 2,125 2,128 
Commercial business loans— — 309 — 309 124,730 125,039 
SBA PPP loans— — — — — 1,001 1,001 
   Total
$37 $— $2,059 $— $2,096 $1,148,354 $1,150,450 
___________________
(1)Includes non-accrual loans past due 90 days or more and other loans classified as non-accrual.
Financing Receivable Credit Quality Indicators
The following table presents an analysis of loans by credit quality indicator and portfolio segment at September 30, 2023 (dollars in thousands):
 Loan Grades
 PassWatchSpecial MentionSubstandardTotal
Mortgage loans:     
One- to four-family$252,859 $— $— $368 $253,227 
Multi-family127,176 — — — 127,176 
Commercial551,669 11,143 — 5,453 568,265 
Construction – custom and owner / builder68,181 5,058 — — 73,239 
Construction – speculative one- to four-family9,361 — — — 9,361 
Construction – commercial25,063 967 — — 26,030 
Construction – multi-family45,890 — — — 45,890 
Construction – land development16,129 — — — 16,129 
Land26,226 500 — — 26,726 
Consumer loans:     
Home equity and second mortgage37,982 34 — 265 38,281 
Other2,716 56 — — 2,772 
Commercial business loans135,502 — — 300 135,802 
SBA PPP loans466 — — — 466 
        Total
$1,299,220 $17,758 $— $6,386 $1,323,364 
The following table presents an analysis of loans by credit quality indicator and portfolio segment at September 30, 2022 (dollars in thousands):

 Loan Grades
 PassWatchSpecial MentionSubstandardTotal
Mortgage loans:     
One- to four-family$175,687 $38 $— $391 $176,116 
Multi-family95,025 — — — 95,025 
Commercial522,741 7,940 237 5,732 536,650 
Construction – custom and owner / builder65,249 1,842 — — 67,091 
Construction – speculative one- to four-family8,364 — — — 8,364 
Construction – commercial29,059 — — — 29,059 
Construction – multi-family34,354 — — — 34,354 
Construction – land development13,557 — — 25 13,582 
Land25,882 522 — 450 26,854 
Consumer loans:     
Home equity and second mortgage34,709 19 — 459 35,187 
Other2,063 62 — 3 2,128 
Commercial business loans124,712 — — 327 125,039 
SBA PPP loans1,001 — — — 1,001 
        Total
$1,132,403 $10,423 $237 $7,387 $1,150,450 
Impaired Financing Receivables
The following table is a summary of information related to impaired loans by portfolio segment as of and for the year ended September 30, 2023 (dollars in thousands):
 September 30, 2023For the Year Ended September 30, 2023
 Recorded
Investment		Unpaid Principal
Balance (Loan
Balance Plus
Charge Off)		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Income
Recognized
With no related allowance recorded:      
Mortgage loans:      
One- to four-family$368 $412 $— $378 $29 $29 
Commercial2,973 2,973 — 2,987 167 129 
Land— — — 297 5 4 
Consumer loans:    
Home equity and second mortgage382 382 — 390 12 10 
Other— — — 1 — — 
Commercial business loans41 90 — 49 — — 
        Subtotal
3,764 3,857 — 4,102 213 172 
With an allowance recorded:      
Consumer loans:      
Commercial business loans245 245 123 247 — — 
       Subtotal
245 245 123 247 — — 
Total:      
Mortgage loans:      
One- to four-family368 412 — 378 29 29 
Commercial2,973 2,973 — 2,987 167 129 
Land— — — 297 5 4 
Consumer loans:     
Home equity and second mortgage382 382 — 390 12 10 
Other— — — 1 — — 
Commercial business loans286 335 123 296 — — 
     Total
$4,009 $4,102 $123 $4,349 $213 $172 
The following table is a summary of information related to impaired loans by portfolio segment as of and for the year ended September 30, 2022 (dollars in thousands):
 September 30, 2022For the Year Ended September 30, 2022
 Recorded
Investment		Unpaid Principal
Balance (Loan
Balance Plus
Charge Off)		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Income
Recognized
With no related allowance recorded:      
Mortgage loans:      
One- to four-family$388 $432 $— $470 $31 $31 
Commercial2,988 2,988 — 3,041 152 123 
Land450 450 — 492 — — 
Consumer loans:    
Home equity and second mortgage394 394 — 436 6 5 
Other3 3 — 7 — — 
Commercial business loans59 108 — 121 — — 
        Subtotal
4,282 4,375 — 4,567 189 159 
With an allowance recorded:      
Consumer loans:      
Home equity and second mortgage— — — 145 — — 
Commercial business loans250 250 127 268 — — 
       Subtotal
250 250 127 413 — — 
Total:      
Mortgage loans:      
One- to four-family388 432 — 470 31 31 
Commercial2,988 2,988 — 3,041 152 123 
Land450 450 — 492 — — 
Consumer loans:     
Home equity and second mortgage394 394 — 581 6 5 
Other3 3 — 7 — — 
Commercial business loans309 358 127 389 — — 
     Total
$4,532 $4,625 $127 $4,980 $189 $159 
The following table is a summary of information related to impaired loans by portfolio segment as of and for the year ended September 30, 2021 (dollars in thousands):
 September 30, 2021For the Year Ended September 30, 2021
 Recorded
Investment		Unpaid Principal
Balance (Loan
Balance Plus
Charge Off)		Related
Allowance		Average
Recorded
Investment		Interest
Income
Recognized		Cash Basis
Interest
Income
Recognized
With no related allowance recorded:      
Mortgage loans:      
One- to four-family$407 $450 $— $655 $58 $52 
Commercial3,143 3,143 — 3,039 159 127 
Land321 321 — 292 2 2 
Consumer loans:    
Home equity and second mortgage516 516 — 552 1 1 
Other17 17 — 12 — — 
Commercial business loans164 168 — 200 — — 
        Subtotal
4,568 4,615 — 4,750 220 182 
With an allowance recorded:      
Mortgage loans:      
One- to four-family— — — 97 — — 
Land362 362 76 72 — — 
Commercial business loans294 294 171 285 — — 
       Subtotal
656 656 247 454 — — 
Total:      
Mortgage loans:      
One- to four-family407 450 — 752 58 52 
Commercial3,143 3,143 — 3,039 159 127 
Land683 683 76 364 2 2 
Consumer loans:      
Home equity and second mortgage516 516 — 552 1 1 
Other17 17 — 12 — — 
Commercial business loans458 462 171 485 — — 
     Total
$5,224 $5,271 $247 $5,204 $220 $182 
Schedule Of COVID Loan Modifications
Schedule of Troubled Debt Restructuring Loans by Interest Accrual Status
The following tables set forth information with respect to the Company’s TDRs by interest accrual status as of September 30, 2023 and 2022 (dollars in thousands):
 2023
 AccruingNon-AccrualTotal
Mortgage loans:   
Commercial$2,290 $— $2,290 
Consumer loans:   
Home equity and second mortgage205 — 205 
        Total
$2,495 $— $2,495 
 2022
 AccruingNon-AccrualTotal
Mortgage loans:   
Commercial$2,330 $— $2,330 
Land— 88 88 
Consumer loans:   
Home equity and second mortgage142 55 197 
        Total
$2,472 $143 $2,615 
Troubled Debt Restructurings on Financing Receivables The following table sets forth information with respect to the Company's TDRs, by portfolio segment, added during the year ended September 30, 2022:
2022Number of
Contracts		Pre-Modification
Outstanding
Recorded
Investment		Post- Modification
Outstanding
Recorded
Investment		End of
Period
Balance
Home equity and second mortgage loans (1)1$136 $145 $142 
Total1$136 $145 $142 
(1) Modification resulted in an extension of maturity and deferral of accrued interest.