CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023
ASSETS
Cash and due from banks	$ 16,114	$ 18,014
Interest-bearing deposits with banks	46,855	12,831
Total cash and cash equivalents	62,969	30,845
Interest-bearing time deposits	490	490
Debt securities available for sale, at fair value, net of allowance for credit losses of $23 at March 31, 2024	238,972	227,739
Debt securities held to maturity		1,300
Debt securities held to maturity	1,170
Loans held for sale, residential mortgage, at fair value	2,979	24,692
Loans held for sale, Small Business Administration	16,129	21,163
Loans, net of allowance for credit losses of $19,392 at March 31, 2024 and $16,900 at September 30, 2023		1,770,243
Loans, net of allowance for credit losses of $19,392 at March 31, 2024 and $16,900 at September 30, 2023	1,882,458
Federal Reserve Bank and Federal Home Loan Bank stock, at cost	24,986	24,939
Premises and equipment, net	27,177	27,861
Other real estate owned, held for sale	647	677
Accrued interest receivable:
Loans	8,951	7,809
Securities	1,923	2,352
Cash surrender value of life insurance	46,888	46,226
Goodwill	9,848	9,848
Core deposit intangibles	479	561
Residential mortgage loan servicing rights, at fair value		59,768
Nonresidential mortgage loan servicing rights	78	101
SBA loan servicing rights	2,950	2,950
Other assets	35,889	29,290
Total Assets	2,364,983	2,288,854
Deposits:
Noninterest-bearing	196,239	242,237
Interest-bearing	1,591,207	1,439,557
Total deposits	1,787,446	1,681,794
Federal Home Loan Bank borrowings	315,000	363,183
Other borrowings	48,523	48,444
Accrued interest payable	11,281	8,926
Advance payments by borrowers for taxes and insurance	867	1,027
Reserve for unfunded lending commitments	1,623	0
Accrued expenses and other liabilities	35,187	34,499
Total Liabilities	2,199,927	2,137,873
STOCKHOLDERS' EQUITY
Preferred stock of $.01 par value per share; authorized 1,000,000 shares; none issued
Common stock of $.01 par value per share; authorized 20,000,000 shares; issued 7,797,146 shares at March 31, 2024 (7,778,471 at September 30, 2023); outstanding 6,883,160 shares at March 31, 2024 (6,867,121 shares at September 30, 2023)	78	78
Additional paid-in capital	27,397	26,986
Retained earnings - substantially restricted	167,648	166,306
Accumulated other comprehensive loss	(17,144)	(29,587)
Unearned stock compensation	(1,096)	(1,015)
Less treasury stock, at cost - 913,986 shares (911,350 shares at September 30, 2023)	(11,827)	(11,787)
Total Stockholders' Equity	165,056	150,981
Total Liabilities and Stockholders' Equity	$ 2,364,983	$ 2,288,854