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CONSOLIDATED STATEMENTS OF INCOME - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
INTEREST AND DIVIDEND INCOME:        
Interest and fees on loans receivable $ 13,667 $ 12,683 $ 27,019 $ 24,735
Interest on investment securities - taxable 1,395 1,874 3,062 3,846
Interest on investment securities - nontaxable 65 65 130 130
Other interest and dividends 245 320 536 630
Total interest and dividend income 15,372 14,942 30,747 29,341
INTEREST EXPENSE:        
Interest on deposits 4,360 3,855 8,134 7,302
Interest on borrowings 1,231 2,145 2,991 4,276
Total interest expense 5,591 6,000 11,125 11,578
Net interest income 9,781 8,942 19,622 17,763
Provision for credit losses   100   100
Net interest income after provision for credit losses 9,781 8,842 19,622 17,663
NON-INTEREST INCOME:        
Income from BOLI 290 279 512 490
Other, net 386 605 466 663
Total non-interest income, net 3,840 3,841 7,266 7,208
NON-INTEREST EXPENSE:        
Salaries and employee benefits 7,304 6,477 14,551 12,865
Occupancy and depreciation 1,859 1,921 3,727 3,816
Data processing 778 695 1,520 1,459
Amortization of CDI 23 25 47 50
Advertising and marketing 333 367 570 677
FDIC insurance premium 171 166 335 344
State and local taxes 260 234 485 450
Telecommunications 50 52 96 99
Professional fees 354 304 770 794
Other 1,094 460 1,845 1,116
Total non-interest expense 12,226 10,701 23,946 21,670
INCOME BEFORE INCOME TAXES 1,395 1,982 2,942 3,201
PROVISION FOR INCOME TAXES 296 425 618 678
NET INCOME $ 1,099 $ 1,557 $ 2,324 $ 2,523
Earnings per common share:        
Basic $ 0.05 $ 0.07 $ 0.11 $ 0.12
Diluted $ 0.05 $ 0.07 $ 0.11 $ 0.12
Weighted average number of common shares outstanding:        
Basic 20,948,327 21,097,580 20,962,187 21,104,275
Diluted 20,948,327 21,097,580 20,962,187 21,104,275
Fees and service charges        
NON-INTEREST INCOME:        
Non-interest income $ 1,637 $ 1,524 $ 3,209 $ 3,064
Asset management fees        
NON-INTEREST INCOME:        
Non-interest income $ 1,527 $ 1,433 $ 3,079 $ 2,991