Consolidated Balance Sheet (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 55,300	$ 39,008
Interest-bearing deposits with other institutions	72,699	46,394
Total cash and cash equivalents	127,999	85,402
Investment securities available for sale, at fair value (net of allowance for credit losses of $0)	215,201	334,056
Investment securities held to maturity, at amortized cost net of allowance for credit losses of $0	48,632	52,242
Loans held for sale	140	250
Loans receivable (net of allowance for credit losses of $15,298 and $18,525)	1,708,572	1,680,525
Regulatory stock, at cost	18,758	17,890
Premises and equipment, net	11,368	12,913
Bank-owned life insurance	39,678	39,026
Foreclosed real estate	3,195	3,311
Intangible assets, net		91
Goodwill	13,801	13,801
Deferred income taxes	5,797	6,877
Derivative and hedging assets	12,289	19,662
Other assets	28,204	27,200
TOTAL ASSETS	2,233,634	2,293,246
LIABILITIES
Deposits	1,554,300	1,661,016
Short-term borrowings	396,458	374,652
Other borrowings	10,000
Advances by borrowers for taxes and insurance	15,242	6,550
Derivative and hedging liabilities	7,565	9,579
Other liabilities	24,574	21,741
TOTAL LIABILITIES	2,008,139	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 June 30, 2024 and September 30, 2023, respectively)	181	181
Additional paid in capital	182,889	182,681
Unallocated common stock held by the Employee Stock Ownership Plan (ESOP)	(5,670)	(6,009)
Retained earnings	160,770	151,856
Treasury stock, at cost; 8,001,574 and 7,738,406 shares outstanding at June 30, 2024 and September 30, 2023, respectively	(104,050)	(99,508)
Accumulated other comprehensive loss	(8,625)	(9,493)
TOTAL STOCKHOLDERS’ EQUITY	225,495	219,708
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 2,233,634	$ 2,293,246