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CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2025
Mar. 31, 2025
ASSETS    
Cash and cash equivalents (including interest earning deposits in other banks of $16,987 and $14,375) $ 32,809 $ 29,414
Investment securities:    
Available for sale, at estimated fair value 118,447 119,436
Held to maturity, at amortized cost (estimated fair value of $169,312 and $175,392) 192,759 203,079
Loans receivable (net of allowance for credit losses of $15,427 and $15,374) 1,054,764 1,047,086
Prepaid expenses and other assets 12,349 12,523
Accrued interest receivable 4,473 4,525
Federal Home Loan Bank ("FHLB") stock, at cost 3,257 4,342
Premises and equipment, net 21,667 22,304
Financing lease right-of-use ("ROU") asset 1,087 1,125
Deferred income taxes, net 7,826 8,625
Goodwill 27,076 27,076
Core deposit intangible ("CDI"), net 124 171
Bank owned life insurance ("BOLI") 32,906 33,617
TOTAL ASSETS 1,509,544 1,513,323
LIABILITIES:    
Deposits 1,236,424 1,232,328
Accrued expenses and other liabilities 27,229 14,777
Advance payments by borrowers for taxes and insurance 858 614
FHLB advances 52,300 76,400
Junior subordinated debentures 27,135 27,091
Finance lease liability 2,061 2,099
Total liabilities 1,346,007 1,353,309
COMMITMENTS AND CONTINGENCIES (See Note 13)
SHAREHOLDERS' EQUITY:    
Serial preferred stock, $.01 par value; 250,000 shares authorized; issued and outstanding: none
Common stock, $.01 par value; 50,000,000 shares authorized September 30, 2025 - 20,927,503 shares issued and outstanding March 31, 2025 - 20,976,200 shares issued and outstanding 207 208
Additional paid-in capital 52,900 53,392
Retained earnings 121,203 119,717
Accumulated other comprehensive loss (10,773) (13,303)
Total shareholders' equity 163,537 160,014
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 1,509,544 $ 1,513,323