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LOANS AND ALLOWANCE FOR CREDIT LOSSES FOR LOANS - Reconciliation of the allowance for loan losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended | 12 Months Ended
--- | --- | --- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2024 | Dec. 31, 2023 | Mar. 31, 2024
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | $ 15,466 | $ 15,346 | $ 15,364 | $ 15,309 | $ 15,309
(Recapture of) provision for credit losses |  |  | 100 |  |
Charge-offs | (116) | (2) | (117) | (13) | (13)
Recoveries | 2 | 17 | 5 | 23 |
Ending balance | 15,352 | 15,361 | 15,352 | 15,361 | 15,364
Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | 42 | 42
Commercial Real Estate Portfolio Segment | Commercial Business |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 5,118 | 5,339 | 5,280 | 3,123 | 3,123
(Recapture of) provision for credit losses | 16 | (74) | (146) | 258 |
Ending balance | 5,134 | 5,265 | 5,134 | 5,265 | 5,280
Commercial Real Estate Portfolio Segment | Commercial Business | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | 1,884 | 1,884
Commercial Real Estate Portfolio Segment | Commercial Real Estate |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 7,137 | 7,138 | 7,391 | 8,894 | 8,894
(Recapture of) provision for credit losses | 162 | 141 | (92) | (121) |
Charge-offs | (80) |  | (80) |  |
Ending balance | 7,219 | 7,279 | 7,219 | 7,279 | 7,391
Commercial Real Estate Portfolio Segment | Commercial Real Estate | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | (1,494) | (1,494)
Commercial Real Estate Portfolio Segment | Land |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 139 | 112 | 106 | 93 | 93
(Recapture of) provision for credit losses | (67) | 45 | (34) | 24 |
Ending balance | 72 | 157 | 72 | 157 | 106
Commercial Real Estate Portfolio Segment | Land | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | 40 | 40
Commercial Real Estate Portfolio Segment | Multi-Family |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 354 | 293 | 367 | 798 | 798
(Recapture of) provision for credit losses | 11 | 41 | (2) | 28 |
Ending balance | 365 | 334 | 365 | 334 | 367
Commercial Real Estate Portfolio Segment | Multi-Family | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | (492) | (492)
Commercial Real Estate Portfolio Segment | Real Estate Construction |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 925 | 860 | 636 | 764 | 764
(Recapture of) provision for credit losses | (96) | (129) | 193 | (164) |
Ending balance | 829 | 731 | 829 | 731 | 636
Commercial Real Estate Portfolio Segment | Real Estate Construction | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | 131 | 131
Consumer |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 1,793 | 1,604 | 1,584 | 1,127 | 1,127
(Recapture of) provision for credit losses | (26) | (24) | 181 | (25) |
Charge-offs | (36) | (2) | (37) | (13) |
Recoveries | 2 | 17 | 5 | 23 |
Ending balance | $ 1,733 | $ 1,595 | $ 1,733 | 1,595 | 1,584
Consumer | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | 483 | 483
Unallocated |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | 510 | 510
Unallocated | Adjustment | ASU 2016-13 |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance |  |  |  | $ (510) | $ (510)

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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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