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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Mar. 31, 2025
Mar. 31, 2024
Interest and dividend income        
Loans, including fees $ 12,132 $ 10,540 $ 23,995 $ 20,622
Investment securities and interest earning deposits        
Taxable 1,322 1,310 2,294 2,716
Tax-exempt 14 14 29 29
Federal Home Loan Bank of New York stock 56 56 110 111
Total interest and dividend income 13,524 11,920 26,428 23,478
Interest expense        
Deposits 5,425 4,775 10,677 8,853
Borrowings 223 222 431 457
Total interest expense 5,648 4,997 11,108 9,310
Net interest and dividend income 7,876 6,923 15,320 14,168
Provision for (recovery of) credit losses-loans 70 (74) 279 310
(Recovery of) provision for credit losses-unfunded commitments (100) 88 (208) 185
Total (recovery of) provision for credit losses (30) 14 71 495
provision for (recovery of) credit losses 7,906 6,909 15,249 13,673
Other income        
Service charges 485 294 807 597
Income on bank owned life insurance 162 91 329 186
Other operating income 9 24 17 46
Gains on premises and equipment 60
Gains on SBA loans 612 213 848 342
Net gains on OREO 224
Total other income 1,268 622 2,225 1,231
Other expenses        
Compensation and employee benefits 3,226 3,008 6,307 5,855
Occupancy expenses 849 803 1,840 1,593
Professional fees 169 178 368 404
Data processing expenses 122 147 213 287
Director fees and benefits 198 207 399 431
Marketing and business development 120 98 248 195
FDIC deposit insurance premiums 114 105 222 209
Other expenses 600 562 1,212 1,156
Total other expenses 5,398 5,108 10,809 10,130
Income before income tax expense 3,776 2,423 6,665 4,774
Income tax expense 1,095 526 1,900 1,225
Net income $ 2,681 $ 1,897 $ 4,765 $ 3,549
Earnings per share - basic (in Dollars per share) $ 0.43 $ 0.3 $ 0.77 $ 0.56
Earnings per share - diluted (in Dollars per share) $ 0.43 $ 0.3 $ 0.76 $ 0.56
Weighted average shares outstanding - basic (in Shares) 6,222,951 6,372,034 6,227,560 6,360,801
Weighted average shares outstanding - diluted (in Shares) 6,225,134 6,372,034 6,234,328 6,360,801