Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2025	Jun. 30, 2024	Jun. 30, 2025	Jun. 30, 2024
Interest and dividend income:
Loans and leases, including fees	$ 108,766	$ 107,762	$ 340,370	$ 324,699
Mortgage-backed securities	8,337	9,748	25,903	29,795
Other investments	6,489	8,323	27,679	33,222
Total interest and dividend income	123,592	125,833	393,952	387,716
Interest expense:
Deposits	287	1,689	5,147	11,900
FHLB advances and other borrowings	992	1,394	4,963	5,505
Total interest expense	1,279	3,083	10,110	17,405
Net interest income	122,313	122,750	383,842	370,311
Provision for credit loss	9,278	11,927	63,205	49,429
Net interest income after provision for credit loss	113,035	110,823	320,637	320,882
Noninterest income:
(Loss) on sale of securities	0	0	(22,899)	0
Gain (loss) on divestitures	0	0	15,044	0
Secondary market revenue	7,144	1,721	26,900	3,091
Gain on sale of other	394	2,954	2,007	6,119
Other income	5,496	4,965	18,934	16,188
Noninterest income	73,442	65,871	269,344	247,577
Noninterest expense:
Compensation and benefits	48,559	48,449	149,755	149,174
Refund transfer product expense	2,818	2,136	11,401	9,694
Refund advance expense	(74)	47	1,225	1,923
Card processing	36,197	34,314	105,750	104,061
Occupancy and equipment expense	10,633	9,070	30,646	27,211
Operating lease equipment depreciation	11,569	10,465	34,775	31,312
Legal and consulting	11,094	5,410	22,197	16,443
Intangible amortization	798	983	2,693	3,207
Impairment expense	1,077	999	2,590	3,012
Other expense	16,651	13,637	54,264	41,292
Total noninterest expense	139,322	125,510	415,296	387,329
Income before income tax expense	47,155	51,184	174,685	181,130
Income tax expense	4,795	6,103	26,966	30,726
Net income before noncontrolling interest	42,360	45,081	147,719	150,404
Net income attributable to noncontrolling interest	213	212	650	718
Net income attributable to parent	$ 42,147	$ 44,869	$ 147,069	$ 149,686
Earnings per common share:
Basic (in dollars per share)	$ 1.83	$ 1.78	$ 6.20	$ 5.86
Diluted (in dollars per share)	$ 1.81	$ 1.78	$ 6.17	$ 5.85
Refund transfer product fees
Noninterest income:
Noninterest income:	$ 9,846	$ 9,111	$ 42,919	$ 38,475
Refund advance and other tax fee income
Noninterest income:
Noninterest income:	307	(67)	49,416	43,244
Card and deposit fees
Noninterest income:
Noninterest income:	37,342	33,408	97,201	99,502
Rental income
Noninterest income:
Noninterest income:	$ 12,913	$ 13,779	$ 39,822	$ 40,958

PATHWARD FINANCIAL, INC. 10-Q