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LEASES
 6 Months Ended
Sep. 30, 2025
Leases [Abstract]  
LEASES LEASES
Accounting Policies and Matters Requiring Management's Judgment

The Company uses its revolving credit facility's effective annual interest rate to determine the discount rate when evaluating leases under Topic 842. Specifically, Management applies its revolving credit facility's effective annual interest rate at the end of the prior fiscal year to leases entered into in the following year. For example, the revolving credit facility's annual effective interest rate of 9.5% at March 31, 2025 was used as the discount rate when determining the lease type and the present value of lease payments for leases entered into in fiscal 2026.

Based on its historical practice, the Company believes it is reasonably certain to exercise a given option associated with a given office space lease. Therefore, the Company classifies all lease options for office space as “reasonably certain” unless it has specific knowledge to the contrary for a given lease. The Company does not believe it is reasonably certain to exercise any options associated with its office equipment leases.

Periodic Disclosures

The Company's operating leases consist of real estate leases for office space as well as office equipment. Both the branch real estate and office equipment lease terms generally range from three years to five years, and generally contain options to extend which mirror the original terms of the lease.

As of September 30, 2025 and 2024, the Company had no finance leases.

The following table reports information about the Company's lease cost for the three and six months ended September 30, 2025 and 2024:
Three months ended September 30,Six months ended September 30,
 2025202420252024
Lease Cost
Operating lease cost$6,168,464 $6,279,769 $12,485,829 $12,458,948 
Variable lease cost989,722 920,580 1,944,324 2,009,413 
Total lease cost$7,158,186 $7,200,349 $14,430,153 $14,468,361 

The following table reports other information about the Company's leases for the three and six months ended September 30, 2025 and 2024:
Three months ended September 30,Six months ended September 30,
 2025202420252024
Other Lease Information
Operating cash flows for amounts included in the measurement of lease liabilities — operating leases$6,237,777 $6,295,532 $12,495,065 $12,583,792 
Right-of-use assets obtained in exchange for new operating lease liabilities$3,235,105 $4,688,152 $6,517,214 $10,564,771 
Weighted average remaining lease term — operating leases6.3 years6.6 years6.3 years6.6 years
Weighted-average discount rate — operating leases7.2 %6.6 %7.2 %6.6 %
The aggregate annual lease obligations as of September 30, 2025 are as follows:
Operating Leases
Remainder of 2026
$11,839,062 
202720,123,457 
202816,499,581 
202912,269,897 
20308,488,025 
Thereafter24,909,093 
Total undiscounted lease liability$94,129,115 
Imputed interest18,632,224 
Total discounted lease liability$75,496,891 

The Company had no leases with related parties as of September 30, 2025 or March 31, 2025.