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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Mar. 31, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 3,799,000 $ 18,069,000 $ 21,820,000
Adjustments to reconcile net income to net cash provided by operating activities:      
Depreciation and amortization 2,761,000 2,693,000 3,521,000
Purchased loans amortization (accretion), net 75,000 27,000 (11,000)
Provision for (recapture of) credit losses   750,000 (4,625,000)
(Benefit) provision for deferred income taxes (165,000) (144,000) 1,010,000
Stock-based compensation expense 34,000 390,000 319,000
Increase (decrease) in deferred loan origination fees, net of amortization 273,000 (92,000) (2,125,000)
Net loss on sales of investment securities available for sale 2,729,000    
Net gain on sales of premises and equipment     (993,000)
Income from BOLI (891,000) (821,000) (800,000)
BOLI death benefit in excess of cash surrender value     (500,000)
Changes in certain other assets and liabilities:      
Prepaid expenses and other assets 3,234,000 (3,604,000) 1,336,000
Accrued interest receivable 375,000 (140,000) 586,000
Accrued expenses and other liabilities 530,000 (3,553,000) (3,075,000)
Net cash provided by operating activities 12,754,000 13,575,000 16,463,000
CASH FLOWS FROM INVESTING ACTIVITIES:      
Loan (originations) repayments, net (6,392,000) 32,755,000 40,833,000
Purchases of loans receivable (9,101,000) (51,102,000) (85,900,000)
Principal repayments on investment securities available for sale 16,056,000 14,422,000 37,157,000
Purchases of investment securities available for sale   (73,303,000) (86,621,000)
Proceeds from calls and maturities of investment securities available for sale 9,016,000 2,010,000  
Proceeds from sales of investment securities available for sale 43,486,000    
Principal repayments on investment securities held to maturity 13,916,000 17,218,000 9,627,000
Purchases of investment securities held to maturity   (8,496,000) (137,936,000)
Purchases of premises and equipment and capitalized software (5,612,000) (4,964,000) (3,254,000)
Redemption of certificates of deposits held for investment 249,000    
Redemption (purchase) of FHLB stock, net 1,940,000 (4,848,000) (297,000)
Proceeds from death benefit on BOLI     1,305,000
Proceeds from sales of real estate owned ("REO") and premises and equipment   63,000 3,427,000
Net cash provided by (used in) investing activities 63,558,000 (76,245,000) (221,659,000)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net (decrease) increase in deposits (33,538,000) (268,661,000) 187,818,000
Dividends paid (5,080,000) (5,117,000) (4,670,000)
Proceeds from borrowings 605,030,000 199,779,000 2,000,000
Repayment of borrowings (640,480,000) (76,025,000) (2,000,000)
Net (decrease) increase in advance payments by borrowers for taxes and insurance (44,000) 70,000 34,000
Principal payments on finance lease liability (61,000) (54,000) (46,000)
Proceeds from exercise of stock options 36,000 4,000 16,000
Repurchase of common stock (577,000) (6,706,000) (1,940,000)
Net cash (used in) provided by financing activities (74,714,000) (156,710,000) 181,212,000
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS 1,598,000 (219,380,000) (23,984,000)
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 22,044,000 241,424,000 265,408,000
CASH AND CASH EQUIVALENTS, END OF PERIOD 23,642,000 22,044,000 241,424,000
Cash paid during the period for:      
Interest 17,244,000 3,742,000 1,947,000
Income taxes 1,866,000 6,239,000 5,410,000
NONCASH INVESTING AND FINANCING ACTIVITIES:      
Dividends declared and accrued in other liabilities 1,267,000 1,274,000 1,217,000
Net unrealized holding gains (losses) from available for sale investment securities 143,000 (11,000,000) (12,882,000)
Income tax effect related to other comprehensive income (loss) (34,000) $ 2,641,000 3,091,000
Reclassification adjustment related to loss on sale of available for sale securities 2,729,000    
Income tax effect related to loss on sale of available for sale investment securities 655,000    
ROU assets obtained in exchange for operating lease liabilities     $ 441,000
Adjustment to retained earnings, net of deferred tax; - adoption of ASU 2016-13 $ 53,000