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INCOME TAXES - Effective Income Tax Rate Reconciliation (Details)
12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Mar. 31, 2022
INCOME TAXES      
Statutory federal income tax rate 21.00% 21.00% 21.00%
State and local income tax rate 5.20% 3.00% 3.00%
Employee Stock Ownership Plan ("ESOP") market value adjustment (0.50%) (0.10%) (0.10%)
BOLI (4.80%) (0.80%) (0.70%)
Other, net (3.10%) 0.60% (0.40%)
Effective federal income tax rate 17.80% 23.70% 22.80%