Consolidated Balance Sheet (Unaudited) - USD ($) $ in Thousands	Dec. 31, 2022	Sep. 30, 2022
ASSETS
Cash and due from banks	$ 22,360	$ 19,970
Interest-bearing deposits with other institutions	6,412	7,967
Total cash and cash equivalents	28,772	27,937
Investment securities available for sale, at fair value	205,188	208,647
Investment securities held to maturity, at amortized cost	56,025	57,285
Loans receivable (net of allowance for loan losses of $18,741 and $18,528)	1,504,400	1,435,783
Regulatory stock, at cost	17,104	14,393
Premises and equipment, net	13,105	13,126
Bank-owned life insurance	38,431	38,240
Foreclosed real estate	26	29
Intangible assets, net	234	281
Goodwill	13,801	13,801
Deferred income taxes	5,091	5,375
Derivative and hedging assets	22,510	24,481
Other assets	22,542	22,439
TOTAL ASSETS	1,927,229	1,861,817
LIABILITIES
Deposits	1,369,984	1,380,021
Short-term borrowings	305,582	230,810
Advances by borrowers for taxes and insurance	12,358	11,803
Derivative and hedging liabilties	8,371	9,176
Other liabilities	14,756	17,670
TOTAL LIABILITIES	1,711,051	1,649,480
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; 10,401,870 and 10,371,022 outstanding at December 31, 2022 and September 30, 2022, respectively)	181	181
Additional paid in capital	182,182	182,173
Unallocated common stock held by the Employee Stock Ownership Plan (ESOP)	(6,349)	(6,462)
Retained earnings	142,542	139,139
Treasury stock, at cost; 7,731,225 and 7,762,073 shares outstanding at December 31, 2022 and September 30, 2022, respectively	(99,401)	(99,800)
Accumulated other comprehensive loss	(2,977)	(2,894)
TOTAL STOCKHOLDERS’ EQUITY	216,178	212,337
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 1,927,229	$ 1,861,817