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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended
Jun. 30, 2024
Jun. 30, 2023
INTEREST AND DIVIDEND INCOME:    
Interest and fees on loans receivable $ 12,052 $ 11,210
Interest on investment securities - taxable 1,972 2,334
Interest on investment securities - nontaxable 65 66
Other interest and dividends 310 347
Total interest and dividend income 14,399 13,957
INTEREST EXPENSE:    
Interest on deposits 3,447 1,373
Interest on borrowings 2,131 2,225
Total interest expense 5,578 3,598
Net interest income 8,821 10,359
Net interest income after provision for credit losses 8,821 10,359
NON-INTEREST INCOME:    
Income from BOLI 211 200
Other, net 58 104
Total non-interest income, net 3,367 3,285
NON-INTEREST EXPENSE:    
Salaries and employee benefits 6,388 6,043
Occupancy and depreciation 1,895 1,583
Data processing 764 674
Amortization of CDI 25 27
Advertising and marketing 310 313
FDIC insurance premium 178 177
State and local taxes 216 226
Telecommunications 47 53
Professional fees 490 343
Other 656 539
Total non-interest expense 10,969 9,978
INCOME BEFORE INCOME TAXES 1,219 3,666
PROVISION FOR INCOME TAXES 253 823
NET INCOME $ 966 $ 2,843
Earnings per common share:    
Basic $ 0.05 $ 0.13
Diluted $ 0.05 $ 0.13
Weighted average number of common shares outstanding:    
Basic 21,111,043 21,136,097
Diluted 21,111,043 21,141,184
Fees and service charges    
NON-INTEREST INCOME:    
Non-interest income $ 1,540 $ 1,600
Asset management fees.    
NON-INTEREST INCOME:    
Non-interest income $ 1,558 $ 1,381