Consolidated Balance Sheet (Unaudited) - USD ($) $ in Thousands	Dec. 31, 2023	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 32,682	$ 39,008
Interest-bearing deposits with other institutions	14,498	46,394
Total cash and cash equivalents	47,180	85,402
Investment securities available for sale, at fair value (net of allowance for credit losses of $0)	288,768	334,056
Investment securities held to maturity, at amortized cost net of allowance for credit losses of $0	51,012	52,242
Loans held for sale		250
Loans receivable (net of allowance for credit losses of $15,430 and $18,525)	1,704,728	1,680,525
Regulatory stock, at cost	18,759	17,890
Premises and equipment, net	11,936	12,913
Bank-owned life insurance	39,238	39,026
Foreclosed real estate	3,195	3,311
Intangible assets, net	44	91
Goodwill	13,801	13,801
Deferred income taxes	5,857	6,877
Derivative and hedging assets	13,401	19,662
Other assets	27,519	27,200
TOTAL ASSETS	2,225,438	2,293,246
LIABILITIES
Deposits	1,590,218	1,661,016
Short-term borrowings	361,500	374,652
Other borrowings	10,000
Advances by borrowers for taxes and insurance	10,077	6,550
Derivative and hedging liabilities	8,413	9,579
Other liabilities	24,506	21,741
TOTAL LIABILITIES	2,004,714	2,073,538
STOCKHOLDERS’ EQUITY
Preferred stock ($0.01 par value; 10,000,000 shares authorized, none issued)
Common stock ($0.01 par value; 40,000,000 shares authorized, 18,133,095 issued; 10,131,521 and 10,394,689 outstanding at December 31, 2023 and September 30, 2023, respectively)	181	181
Additional paid in capital	182,528	182,681
Unallocated common stock held by the Employee Stock Ownership Plan (ESOP)	(5,896)	(6,009)
Retained earnings	155,247	151,856
Treasury stock, at cost; 8,001,574 and 7,738,406 shares outstanding at December 31, 2023 and September 30, 2023, respectively	(104,050)	(99,508)
Accumulated other comprehensive loss	(7,286)	(9,493)
TOTAL STOCKHOLDERS’ EQUITY	220,724	219,708
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,225,438	$ 2,293,246