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Consolidated Statements of Income (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2026
Mar. 31, 2025
Interest and dividend income        
Loans, including fees $ 13,597 $ 12,132 $ 27,121 $ 23,995
Investment securities and interest earning deposits        
Taxable 1,277 1,322 2,234 2,294
Tax-exempt 14 14 29 29
Federal Home Loan Bank of New York stock 65 56 127 110
Total interest and dividend income 14,953 13,524 29,511 26,428
Interest expense        
Deposits 5,324 5,425 10,618 10,677
Borrowings 397 223 803 431
Total interest expense 5,721 5,648 11,421 11,108
Net interest and dividend income 9,232 7,876 18,090 15,320
Provision for credit losses-loans 172 70 243 279
Provision (recovery) for credit losses-unfunded commitments 84 (100) 37 (208)
Total provision (recovery) for credit losses 256 (30) 280 71
Net interest and dividend income after provision (recovery) for credit losses 8,976 7,906 17,810 15,249
Other income        
Service charges 392 485 723 807
Income on bank owned life insurance 166 162 336 329
Interest rate swap fees 31
Other operating income 8 9 15 17
Gains on SBA loans 269 612 527 848
Net gain (loss) on OREO 22 (13) 224
Total other income 857 1,268 1,619 2,225
Other expenses        
Compensation and employee benefits 3,363 3,226 6,532 6,307
Occupancy expenses 843 849 1,662 1,840
Professional fees 174 169 347 368
Director fees and benefits 194 198 403 399
Data processing expenses 162 122 319 213
Marketing and business development 121 120 236 248
FDIC deposit insurance premiums 119 114 234 222
Other expenses 589 600 1,152 1,212
Total other expenses 5,565 5,398 10,885 10,809
Income before income tax expense 4,268 3,776 8,544 6,665
Income tax expense 1,238 1,095 2,378 1,900
Net income $ 3,030 $ 2,681 $ 6,166 $ 4,765
Earnings per share - basic (in Dollars per share) $ 0.49 $ 0.43 $ 0.99 $ 0.77
Earnings per share - diluted (in Dollars per share) $ 0.48 $ 0.43 $ 0.98 $ 0.76
Weighted average shares outstanding - basic (in Shares) 6,221,123 6,222,951 6,217,655 6,227,560
Weighted average shares outstanding - diluted (in Shares) 6,293,873 6,225,134 6,285,668 6,234,328