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LOANS AND ACL - Loans receivable, excluding loans held for sale (Details) - USD ($) $ in Thousands | Mar. 31, 2025 | Mar. 31, 2024 | Mar. 31, 2023
--- | --- | --- | ---
LOANS RECEIVABLE |  |  |
Total loans | $ 1,062,460 | $ 1,024,013 |
Less: ACL for loans | 15,374 | 15,364 | $ 15,309
Loans receivable, net | 1,047,086 | 1,008,649 |
Commercial and Industrial | Commercial Business |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 232,935 | 229,404 |
Commercial Real Estate Portfolio Segment |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 950,363 | 925,907 |
Commercial Real Estate Portfolio Segment | Commercial Business |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 232,935 | 229,404 |
Less: ACL for loans | 5,033 | 5,280 | 3,123
Commercial Real Estate Portfolio Segment | Commercial Real Estate |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 592,185 | 583,501 |
Less: ACL for loans | 7,492 | 7,391 | 8,894
Commercial Real Estate Portfolio Segment | Land |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 4,610 | 5,693 |
Less: ACL for loans | 83 | 106 | 93
Commercial Real Estate Portfolio Segment | Multi-Family |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 91,451 | 70,771 |
Less: ACL for loans | 444 | 367 | 798
Commercial Real Estate Portfolio Segment | Real Estate Construction |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 29,182 | 36,538 |
Less: ACL for loans | 480 | 636 | 764
Consumer |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 112,097 | 98,106 |
Less: ACL for loans | 1,842 | 1,584 | $ 1,127
Consumer | Real estate one-to-four family |  |  |
LOANS RECEIVABLE |  |  |
Total loans | 97,683 | 96,366 |
Consumer | Other installment |  |  |
LOANS RECEIVABLE |  |  |
Total loans | $ 14,414 | $ 1,740 |

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