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INCOME TAXES - Effective Income Tax Rate Reconciliation (Details)
12 Months Ended
Mar. 31, 2022
Mar. 31, 2021
Mar. 31, 2020
INCOME TAXES      
Statutory federal income tax rate 21.00% 21.00% 21.00%
State and local income tax rate 3.00% 3.00% 3.00%
ESOP market value adjustment (0.10%) (0.10%) (0.10%)
BOLI (0.70%) (1.50%) (1.00%)
Other, net (0.40%) (0.30%) 0.60%
Effective federal income tax rate 22.80% 22.10% 23.50%