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LOANS AND ACL - Reconciliation of the allowance for loan losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Sep. 30, 2025 | Sep. 30, 2024 | Sep. 30, 2025 | Sep. 30, 2024 | Mar. 31, 2025
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | $ 15,426 | $ 15,364 | $ 15,374 | $ 15,364 | $ 15,364
Provision for (recapture of) credit losses |  | 100 |  | 100 |
Charge-offs | (1) |  | (1) | (1) | (123)
Recoveries | 2 | 2 | 54 | 3 |
Ending balance | 15,427 | 15,466 | 15,427 | 15,466 | 15,374
Commercial and Construction | Commercial Business |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 4,859 | 5,141 | 5,033 | 5,280 | 5,280
Provision for (recapture of) credit losses | 1 | (23) | (173) | (162) |
Charge-offs | (1) |  | (1) |  |
Ending balance | 4,859 | 5,118 | 4,859 | 5,118 | 5,033
Commercial Real Estate Portfolio Segment | Commercial Real Estate |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 7,650 | 7,303 | 7,492 | 7,391 | 7,391
Provision for (recapture of) credit losses | (25) | (166) | 133 | (254) |
Charge-offs |  |  |  |  | (80)
Ending balance | 7,625 | 7,137 | 7,625 | 7,137 | 7,492
Commercial Real Estate Portfolio Segment | Land |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 72 | 120 | 83 | 106 | 106
Provision for (recapture of) credit losses | 5 | 19 | (6) | 33 |
Ending balance | 77 | 139 | 77 | 139 | 83
Commercial Real Estate Portfolio Segment | Multi-Family |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 440 | 402 | 444 | 367 | 367
Provision for (recapture of) credit losses | (13) | (48) | (17) | (13) |
Ending balance | 427 | 354 | 427 | 354 | 444
Commercial Real Estate Portfolio Segment | Real Estate Construction |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 333 | 723 | 480 | 636 | 636
Provision for (recapture of) credit losses | 97 | 202 | (50) | 289 |
Ending balance | 430 | 925 | 430 | 925 | 480
Consumer |  |  |  |  |
Reconciliation of the allowance for loan losses |  |  |  |  |
Beginning balance | 2,072 | 1,675 | 1,842 | 1,584 | 1,584
Provision for (recapture of) credit losses | (65) | 116 | 113 | 207 |
Charge-offs |  |  |  | (1) |
Recoveries | 2 | 2 | 54 | 3 |
Ending balance | $ 2,009 | $ 1,793 | $ 2,009 | $ 1,793 | $ 1,842

X
- 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 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: 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 + Details
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