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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
 3 Months Ended 9 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Dec. 31, 2023
Dec. 31, 2022
INTEREST AND DIVIDEND INCOME:        
Interest and fees on loans receivable $ 11,645,000 $ 11,531,000 $ 34,288,000 $ 33,496,000
Interest on investment securities - taxable 2,231,000 2,397,000 6,826,000 6,403,000
Interest on investment securities - nontaxable 65,000 66,000 196,000 197,000
Other interest and dividends 331,000 449,000 954,000 1,629,000
Total interest and dividend income 14,272,000 14,443,000 42,264,000 41,725,000
INTEREST EXPENSE:        
Interest on deposits 2,059,000 289,000 5,264,000 897,000
Interest on borrowings 2,889,000 454,000 7,466,000 1,036,000
Total interest expense 4,948,000 743,000 12,730,000 1,933,000
Net interest income 9,324,000 13,700,000 29,534,000 39,792,000
Net interest income after provision for credit losses 9,324,000 13,700,000 29,534,000 39,792,000
NON-INTEREST INCOME:        
BOLI 211,000 194,000 669,000 626,000
Other, net 46,000 130,000 288,000 235,000
Total non-interest income, net 3,056,000 2,963,000 9,748,000 9,223,000
NON-INTEREST EXPENSE:        
Salaries and employee benefits 6,091,000 5,982,000 17,979,000 17,819,000
Occupancy and depreciation 1,698,000 1,536,000 4,930,000 4,600,000
Data processing 712,000 705,000 2,096,000 2,184,000
Amortization of CDI 27,000 29,000 81,000 87,000
Advertising and marketing 282,000 202,000 950,000 694,000
FDIC insurance premium 178,000 116,000 530,000 351,000
State and local taxes 355,000 225,000 814,000 634,000
Telecommunications 56,000 48,000 161,000 153,000
Professional fees 353,000 343,000 961,000 924,000
Other 799,000 662,000 2,116,000 1,975,000
Total non-interest expense 10,551,000 9,848,000 30,618,000 29,421,000
INCOME BEFORE INCOME TAXES 1,829,000 6,815,000 8,664,000 19,594,000
PROVISION FOR INCOME TAXES 377,000 1,575,000 1,897,000 4,508,000
NET INCOME $ 1,452,000 $ 5,240,000 $ 6,767,000 $ 15,086,000
Earnings per common share:        
Basic (in dollars per share) $ 0.07 $ 0.24 $ 0.32 $ 0.69
Diluted (in dollars per share) $ 0.07 $ 0.24 $ 0.32 $ 0.69
Weighted average number of common shares outstanding:        
Basic (in shares) 21,113,464 21,504,903 21,146,888 21,717,959
Diluted (in shares) 21,113,464 21,513,617 21,148,679 21,726,552
Fees and service charges        
NON-INTEREST INCOME:        
Non-interest income $ 1,533,000 $ 1,502,000 $ 4,871,000 $ 4,903,000
Asset management fees.        
NON-INTEREST INCOME:        
Non-interest income $ 1,266,000 $ 1,137,000 $ 3,920,000 $ 3,459,000