Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Cash and cash equivalents:
Cash and due from financial institutions	$ 29,071	$ 25,390
Interest-bearing deposits in banks	135,657	103,331
Total cash and cash equivalents	164,728	128,721
Certificates of deposit (“CDs”) held for investment, at cost	10,209	15,188
Amortized Cost	172,097	270,218
Investment securities available for sale, at fair value	72,257	41,771
Investments in equity securities	866	811
Federal Home Loan Bank of Des Moines (“FHLB”) stock, at cost	2,037	3,602
Other investments, at cost	3,000	3,000
Loans held for sale	0	400
Loans receivable, net of allowance for credit losses of $17,478 and $15,817	1,421,523	1,302,305
Premises and equipment, net	21,486	21,642
Accrued interest receivable	6,990	6,004
Bank owned life insurance (“BOLI”)	23,611	22,966
Goodwill	15,131	15,131
Core deposit intangible (“CDI”), net	451	677
Loan servicing rights, net	1,372	2,124
Operating lease right-of-use ("ROU") assets	1,475	1,772
Other assets	6,242	3,573
Total assets	1,923,475	1,839,905
Deposits:
Non-interest-bearing demand	413,116	455,864
Interest-bearing	1,234,552	1,105,071
Total deposits	1,647,668	1,560,935
Operating lease liabilities	1,575	1,867
FHLB borrowings	20,000	35,000
Other liabilities and accrued expenses	8,819	9,030
Total liabilities	1,678,062	1,606,832
Commitments and contingencies (See Note 16)
Shareholders’ equity
Preferred stock, $0.01 par value; 1,000,000 shares authorized; none issued	0	0
Common stock, $0.01 par value; 50,000,000 shares authorized; 7,960,127 shares issued and outstanding - September 30, 2024 8,105,338 shares issued and outstanding - September 30, 2023	29,862	34,771
Retained earnings	215,531	199,386
Accumulated other comprehensive income (loss)	20	(1,084)
Total shareholders’ equity	245,413	233,073
Total liabilities and shareholders’ equity	$ 1,923,475	$ 1,839,905
Preferred stock par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock shares authorized (in shares)	1,000,000	1,000,000
Common stock par value (in dollars per share)	$ 0.01	$ 0.01
Common stock shares authorized (in shares)	50,000,000	50,000,000
Preferred stock shares issued (in shares)	0	0