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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 3,755 $ 6,767
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 2,444 1,934
Purchased loans amortization, net 62 92
Provision for credit losses 100  
Stock-based compensation expense 316 11
Increase (decrease) in deferred loan origination fees, net of amortization (444) 326
Income from BOLI (715) (669)
Changes in certain other assets and liabilities:    
Prepaid expenses and other assets 773 1,577
Accrued interest receivable (224) (458)
Accrued expenses and other liabilities 2,342 11,041
Net cash provided by operating activities 8,409 20,621
CASH FLOWS FROM INVESTING ACTIVITIES:    
Loan originations, net (4,011) (2,093)
Purchases of loans receivable (16,815) (7,658)
Principal repayments on investment securities available for sale 6,236 13,229
Proceeds from calls and maturities of investment securities available for sale 19,230 3,016
Principal repayments on investment securities held to maturity 10,918 10,867
Proceeds from sale of shares in trading asset - VISA stock 392  
Purchases of premises and equipment and capitalized software (2,621) (3,812)
Redemption of certificates of deposit held for investment   249
Sale (purchase) of FHLB stock, net 185 (1,159)
Proceeds from sales of premises and equipment 86  
Net cash provided by investing activities 13,600 12,639
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net decrease in deposits (12,677) (46,325)
Dividends paid (2,111) (3,814)
Proceeds from borrowings 472,700 465,480
Repayment of borrowings (476,804) (432,180)
Net decrease in advance payments by borrowers for taxes and insurance (264) (326)
Principal payments on finance lease liability (51) (45)
Proceeds from exercise of stock options   36
Repurchase of common stock (1,096) (577)
Net cash used in financing activities (20,303) (17,751)
NET INCREASE IN CASH AND CASH EQUIVALENTS 1,706 15,509
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 23,642 22,044
CASH AND CASH EQUIVALENTS, END OF PERIOD 25,348 37,553
Cash paid during the period for:    
Interest 16,200 12,205
Income taxes 73 1,620
NONCASH INVESTING AND FINANCING ACTIVITIES:    
Dividends declared and accrued in other liabilities 423 1,267
Net unrealized holding gains from available for sale investment securities 1,280 1,125
Income tax effect related to other comprehensive income (loss) (307) (270)
Adjustment to retained earnings, net of deferred tax; - adoption of ASU 2016-13   $ (53)
Conversion of shares in trading asset - VISA stock $ 392