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Consolidated Balance Sheets - USD ($)
$ in Thousands
Mar. 31, 2026
Sep. 30, 2025
Assets    
Cash and due from banks $ 17,060 $ 1,430
Interest earning deposits with banks 30,583 5,656
Total cash and cash equivalents 47,643 7,086
Investment securities - available for sale, at fair value 31,056 21,182
Investment securities - held to maturity, at amortized cost (fair value of $62,170 and $61,160 at March 31, 2026 and September 30, 2025, respectively) 68,105 67,266
Federal Home Loan Bank of New York stock, at cost 3,376 3,399
Loans receivable 878,219 857,353
Allowance for credit losses-loans (8,599) (8,350)
Bank owned life insurance 19,373 19,037
Accrued interest receivable 5,878 5,798
Premises and equipment, net 12,091 12,182
Other real estate owned ("OREO") 2,167
Other assets 11,256 10,540
Total assets 1,068,398 997,660
Liabilities    
Deposits 878,438 814,307
Escrowed funds 4,737 4,209
Borrowings 49,054 49,054
Accrued interest payable 1,183 969
Accounts payable and other liabilities 10,830 10,279
Total liabilities 944,242 878,818
Stockholders' equity    
Preferred stock: $.01 Par Value, 500,000 shares authorized; at March 31, 2026 and September 30, 2025, none issued
Common stock: $.01 Par Value, 14,000,000 shares authorized; 7,097,825 shares issued; 6,469,103 and 6,480,028 shares outstanding at March 31, 2026 and September 30, 2025, respectively, at cost 71 71
Additional paid-in capital 63,785 63,421
Treasury stock: 628,722 and 617,797 shares at March 31, 2026 and September 30, 2025, respectively, at cost (8,031) (7,840)
Unearned Employee Stock Ownership Plan shares (2,815) (2,868)
Retained earnings 71,617 66,581
Accumulated other comprehensive loss (471) (523)
Total stockholders' equity 124,156 118,842
Total liabilities and stockholders' equity $ 1,068,398 $ 997,660