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v3.25.1

LOANS AND ACL - Reconciliation of the allowance for loan losses (Details) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Mar. 31, 2025 | Mar. 31, 2024 | Mar. 31, 2023
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | $ 15,364 | $ 15,309 |
Provision for (recapture of) loan losses | 100 |  |
Charge-offs | (123) | (13) |
Recoveries | 33 | 26 |
Ending balance | 15,374 | 15,364 | $ 15,309
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 15,309 | 14,523
Provision for (recapture of) loan losses |  |  | 750
Charge-offs |  |  | (17)
Recoveries |  |  | 53
Ending balance |  |  | 15,309
Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 42 | 42 |
Ending balance |  | 42 | 42
Commercial Real Estate Portfolio Segment | Commercial Business |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 5,280 | 3,123 |
Provision for (recapture of) loan losses | (248) | 273 |
Recoveries | 1 |  |
Ending balance | 5,033 | 5,280 | 3,123
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 3,123 | 2,422
Provision for (recapture of) loan losses |  |  | 701
Ending balance |  |  | 3,123
Commercial Real Estate Portfolio Segment | Commercial Business | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | 1,884 |
Ending balance |  |  | 1,884
Commercial Real Estate Portfolio Segment | Commercial Real Estate |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 7,391 | 8,894 |
Provision for (recapture of) loan losses | 181 | (9) |
Charge-offs | (80) |  |
Ending balance | 7,492 | 7,391 | 8,894
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 8,894 | 9,037
Provision for (recapture of) loan losses |  |  | (143)
Ending balance |  |  | 8,894
Commercial Real Estate Portfolio Segment | Commercial Real Estate | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | (1,494) |
Ending balance |  |  | (1,494)
Commercial Real Estate Portfolio Segment | Land |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 106 | 93 |
Provision for (recapture of) loan losses | (23) | (27) |
Ending balance | 83 | 106 | 93
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 93 | 168
Provision for (recapture of) loan losses |  |  | (75)
Ending balance |  |  | 93
Commercial Real Estate Portfolio Segment | Land | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | 40 |
Ending balance |  |  | 40
Commercial Real Estate Portfolio Segment | Multi-Family |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 367 | 798 |
Provision for (recapture of) loan losses | 77 | 61 |
Ending balance | 444 | 367 | 798
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 798 | 845
Provision for (recapture of) loan losses |  |  | (47)
Ending balance |  |  | 798
Commercial Real Estate Portfolio Segment | Multi-Family | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | (492) |
Ending balance |  |  | (492)
Commercial Real Estate Portfolio Segment | Real Estate Construction |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 636 | 764 |
Provision for (recapture of) loan losses | (156) | (259) |
Ending balance | 480 | 636 | 764
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 764 | 393
Provision for (recapture of) loan losses |  |  | 371
Ending balance |  |  | 764
Commercial Real Estate Portfolio Segment | Real Estate Construction | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | 131 |
Ending balance |  |  | 131
Consumer |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance | 1,584 | 1,127 |
Provision for (recapture of) loan losses | 269 | (39) |
Charge-offs | (43) | (13) |
Recoveries | 32 | 26 |
Ending balance | $ 1,842 | 1,584 | 1,127
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 1,127 | 943
Provision for (recapture of) loan losses |  |  | 148
Charge-offs |  |  | (17)
Recoveries |  |  | 53
Ending balance |  |  | 1,127
Consumer | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | 483 |
Ending balance |  |  | 483
Unallocated |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | 510 |
Ending balance |  |  | 510
Reconciliation of the allowance for loan losses before ASU |  |  |
Beginning balance |  | 510 | 715
Provision for (recapture of) loan losses |  |  | (205)
Ending balance |  |  | 510
Unallocated | Adjustment | ASU 2016-13 |  |  |
Reconciliation of the allowance for loan losses |  |  |
Beginning balance |  | $ (510) |
Ending balance |  |  | $ (510)

X
- Definition Amount of recovery of loans and lease receivables which had previously been fully or partially written-off as bad debts. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(4) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B + Details
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- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(3) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B + Details
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- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
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- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (g) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 11B -Subparagraph (c)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-11B Reference 3: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 30 -Name Accounting Standards Codification -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -Publisher FASB -URI https://asc.fasb.org/1943274/2147481696/310-30-50-2 Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef -Name Accounting Standards Codification -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -SubTopic 10 -Topic 310 -Publisher FASB -URI https://asc.fasb.org/1943274/2147480418/310-10-S99-4 + Details
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