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CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
 6 Months Ended
Sep. 30, 2025
Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 2,324,000 $ 2,523,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 1,708,000 1,584,000
Purchased loans (accretion) amortization , net (22,000) 36,000
Provision for credit losses   100,000
Stock-based compensation expense 318,000 52,000
Decrease in deferred loan origination fees, net of amortization (39,000) (170,000)
Net gain on sales of premises and equipment (23,000)  
Income from BOLI (512,000) (490,000)
Changes in certain other assets and liabilities:    
Prepaid expenses and other assets 259,000 222,000
Accrued interest receivable 52,000 (155,000)
Accrued expenses and other liabilities 11,993,000 2,498,000
Net cash provided by operating activities 16,058,000 6,200,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Loan (originations) repayments, net 3,904,000 (21,041,000)
Purchases of loans receivable (11,522,000) (15,786,000)
Principal repayments on investment securities available for sale 4,126,000 4,493,000
Proceeds from calls and maturities of investment securities available for sale   10,230,000
Principal repayments on investment securities held to maturity 10,123,000 7,325,000
Proceeds from sale of shares in trading asset - VISA stock 248,000 392,000
Purchases of premises and equipment and capitalized software (469,000) (2,317,000)
Redemption (purchase) of FHLB stock, net 1,085,000 (630,000)
Proceeds from sales of premises and equipment 66,000 86,000
Proceeds from death benefit on BOLI 1,223,000  
Net cash provided by (used in) investing activities 8,784,000 (17,248,000)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase in deposits 4,096,000 5,820,000
Dividends paid (838,000) (1,688,000)
Proceeds from borrowings 364,900,000 294,100,000
Repayment of borrowings (389,000,000) (280,100,000)
Net increase in advance payments by borrowers for taxes and insurance 244,000 267,000
Principal payments on finance lease liability (38,000) (33,000)
Repurchase of common stock (811,000)  
Net cash (used in) provided by financing activities (21,447,000) 18,366,000
NET INCREASE IN CASH AND CASH EQUIVALENTS 3,395,000 7,318,000
CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD 29,414,000 23,642,000
CASH AND CASH EQUIVALENTS, END OF PERIOD 32,809,000 30,960,000
Cash paid during the period for:    
Interest 10,001,000 10,504,000
Income taxes 519,000 49,000
NONCASH INVESTING AND FINANCING ACTIVITIES:    
Dividends declared and accrued in other liabilities 419,000 422,000
Net unrealized holding gains from available for sale investment securities 3,330,000 4,544,000
Income tax effect related to other comprehensive income (loss) (800,000) (1,090,000)
Right-of-use lease asset obtained in exchange for operating lease liability 459,000 0
Conversion of shares in trading asset - VISA Stock $ 248,000 $ 392,000