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Consolidated Statements of Income - USD ($)
$ in Thousands
 12 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Interest and dividend income    
Loans, including fees $ 49,920 $ 43,106
Investment securities and interest earning deposits    
Taxable 4,517 5,187
Tax-exempt 58 58
Federal Home Loan Bank of New York stock 211 220
Total interest and dividend income 54,706 48,571
Interest expense    
Deposits 21,756 19,725
Borrowings 1,054 872
Total interest expense 22,810 20,597
Net interest and dividend income 31,896 27,974
Provision for credit losses-loans 653 182
Recovery for credit losses-unfunded commitments (251) (92)
Total provision for credit losses 402 90
Net interest and dividend income after provision for credit losses 31,494 27,884
Other income    
Service charges 1,439 1,135
Income on bank owned life insurance 673 433
Interest rate swap fees 179
Other operating income 58 81
Gains on premises and equipment 60
Gains on SBA loans 1,135 599
Net gains on OREO 229 1,305
Total other income 3,713 3,613
Other expenses    
Compensation and employee benefits 12,716 11,823
Occupancy expenses 3,463 3,275
Professional fees 705 794
Director fees and benefits 787 789
Data processing expenses 471 542
Marketing and business development 438 402
FDIC deposit insurance premiums 451 421
Other expenses 2,367 2,351
Total other expenses 21,398 20,397
Income before income tax expense 13,809 11,100
Income tax expense 4,049 3,317
Net income $ 9,760 $ 7,783
Earnings per share - basic (in Dollars per share) $ 1.57 $ 1.23
Earnings per share - diluted (in Dollars per share) $ 1.56 $ 1.23
Weighted average shares outstanding - basic (in Shares) 6,221,921 6,341,610
Weighted average shares outstanding - diluted (in Shares) 6,239,678 6,341,610