LOANS AND ACL

Schedule of risk category of bank loans by year of origination

The following table sets forth the Company’s loan portfolio at September 30, 2025 and March 31, 2025 by risk attribute and year of origination as well as current period gross charge-offs (in thousands)


	September 30, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2026		2025		2024		2023		2022		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	4,079	$	14,145	$	18,090	$	50,693	$	81,133	$	41,352	$	12,509	$	222,001
Special Mention		—		1,615		—		399		489		335		2,085		4,923
Substandard		—		—		—		—		—		670		—		670
Total commercial business	$	4,079	$	15,760	$	18,090	$	51,092	$	81,622	$	42,357	$	14,594	$	227,594
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	1	$	—	$	1

Commercial real estate
Risk rating
Pass	$	23,700	$	47,740	$	47,657	$	57,386	$	135,193	$	242,728	$	—	$	554,404
Special Mention		—		—		3,160		6,309		5,169		24,039		—		38,677
Substandard		—		—		30		—		—		9,850		—		9,880
Total commercial real estate	$	23,700	$	47,740	$	50,847	$	63,695	$	140,362	$	276,617	$	—	$	602,961
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Land
Risk rating
Pass	$	635	$	607	$	—	$	2,207	$	78	$	413	$	(10)	$	3,930
Total land	$	635	$	607	$	—	$	2,207	$	78	$	413	$	(10)	$	3,930
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	437	$	1,121	$	935	$	37,444	$	35,399	$	13,064	$	—	$	88,400
Special Mention		—		—		—		326		—		158		—		484
Substandard		—		—		—		—		17		90		—		107
Total multi-family	$	437	$	1,121	$	935	$	37,770	$	35,416	$	13,312	$	—	$	88,991
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	September 30, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2026		2025		2024		2023		2022		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	6,102	$	8,602	$	7,111	$	3,960	$	—	$	—	$	—	$	25,775
Total real estate construction	$	6,102	$	8,602	$	7,111	$	3,960	$	—	$	—	$	—	$	25,775
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	—	$	—	$	—	$	—	$	56,457	$	20,182	$	22,373	$	99,012
Substandard		—		—		—		—		—		30		—		30
Total real estate one-to-four family	$	—	$	—	$	—	$	—	$	56,457	$	20,212	$	22,373	$	99,042
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Other installment
Risk rating
Pass	$	6,898	$	13,863	$	278	$	262	$	63	$	41	$	493	$	21,898
Total other installment	$	6,898	$	13,863	$	278	$	262	$	63	$	41	$	493	$	21,898
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Total loans receivable, gross
Risk rating
Pass	$	41,851	$	86,078	$	74,071	$	151,952	$	308,323	$	317,780	$	35,365	$	1,015,420
Special Mention		—		1,615		3,160		7,034		5,658		24,532		2,085		44,084
Substandard		—		—		30		—		17		10,640		—		10,687
Total loans receivable, gross	$	41,851	$	87,693	$	77,261	$	158,986	$	313,998	$	352,952	$	37,450	$	1,070,191
Total current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	1	$	—	$	1


	March 31, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Commercial business
Risk rating
Pass	$	10,840	$	17,592	$	56,013	$	85,632	$	20,918	$	24,198	$	12,822	$	228,015
Special Mention		1,964		—		—		571		—		456		1,166		4,157
Substandard		—		—		—		—		472		291		—		763
Total commercial business	$	12,804	$	17,592	$	56,013	$	86,203	$	21,390	$	24,945	$	13,988	$	232,935
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate
Risk rating
Pass	$	44,477	$	42,181	$	61,005	$	138,354	$	86,768	$	173,364	$	—	$	546,149
Special Mention		—		3,164		3,638		5,246		—		31,920		—		43,968
Substandard		—		30		—		—		—		2,038		—		2,068
Total commercial real estate	$	44,477	$	45,375	$	64,643	$	143,600	$	86,768	$	207,322	$	—	$	592,185
Current YTD gross write-offs	$	—	$	80	$	—	$	—	$	—	$	—	$	—	$	80

Land
Risk rating
Pass	$	615	$	—	$	2,570	$	84	$	—	$	457	$	884	$	4,610
Total land	$	615	$	—	$	2,570	$	84	$	—	$	457	$	884	$	4,610
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family
Risk rating
Pass	$	1,132	$	947	$	39,279	$	35,831	$	4,257	$	9,583	$	—	$	91,029
Special Mention		—		—		183		—		18		155		—		356
Substandard		—		—		—		—		—		66		—		66
Total multi-family	$	1,132	$	947	$	39,462	$	35,831	$	4,275	$	9,804	$	—	$	91,451
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—


	March 31, 2025
	Term Loans Amortized Cost Basis by Origination Fiscal Year
															Total
													Revolving		Loans
	2025		2024		2023		2022		2021		Prior		Loans		Receivable

Real estate construction
Risk rating
Pass	$	14,092	$	11,784	$	3,306	$	—	$	—	$	—	$	—	$	29,182
Total real estate construction	$	14,092	$	11,784	$	3,306	$	—	$	—	$	—	$	—	$	29,182
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Real estate one-to-four family
Risk rating
Pass	$	133	$	—	$	—	$	58,107	$	4,041	$	17,115	$	18,257	$	97,653
Substandard		—		—		—		—		—		30		—		30
Total real estate one-to-four family	$	133	$	—	$	—	$	58,107	$	4,041	$	17,145	$	18,257	$	97,683
Current YTD gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	11	$	11

Other installment
Risk rating
Pass	$	13,185	$	337	$	336	$	96	$	48	$	6	$	406	$	14,414
Total other installment	$	13,185	$	337	$	336	$	96	$	48	$	6	$	406	$	14,414
Current YTD gross write-offs	$	—	$	6	$	—	$	25	$	—	$	—	$	1	$	32

Total loans receivable, gross
Risk rating
Pass	$	84,474	$	72,841	$	162,509	$	318,104	$	116,032	$	224,723	$	32,369	$	1,011,052
Special Mention		1,964		3,164		3,821		5,817		18		32,531		1,166		48,481
Substandard		—		30		—		—		472		2,425		—		2,927
Total loans receivable, gross	$	86,438	$	76,035	$	166,330	$	323,921	$	116,522	$	259,679	$	33,535	$	1,062,460
Total current YTD gross write-offs	$	—	$	86	$	—	$	25	$	—	$	—	$	12	$	123

Schedule of analysis of loans by aging category

The following tables present an analysis of loans by aging category at the dates indicated (in thousands):


							Total
			90 Days				Past
			and				Due and				Total
	30-89 Days		Greater				Non-				Loans
September 30, 2025	Past Due		Past Due		Non-accrual		accrual		Current		Receivable

Commercial business	$	3,505	$	—	$	670	$	4,175	$	223,419	$	227,594
Commercial real estate		—		—		77		77		602,884		602,961
Land		—		—		—		—		3,930		3,930
Multi-family		—		—		—		—		88,991		88,991
Real estate construction		—		—		—		—		25,775		25,775
Consumer		7		—		29		36		120,904		120,940
Total	$	3,512	$	—	$	776	$	4,288	$	1,065,903	$	1,070,191

March 31, 2025

Commercial business	$	3,793	$	—	$	37	$	3,830	$	229,105	$	232,935
Commercial real estate		242		—		88		330		591,855		592,185
Land		—		—		—		—		4,610		4,610
Multi-family		—		—		—		—		91,451		91,451
Real estate construction		—		—		—		—		29,182		29,182
Consumer		47		—		30		77		112,020		112,097
Total	$	4,082	$	—	$	155	$	4,237	$	1,058,223	$	1,062,460