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Regulatory Capital Requirements | 6 Months Ended
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Sep. 30, 2025
Banking and Thrift, Other Disclosure [Abstract] |
Regulatory Capital Requirements | Note 6 - REGULATORY CAPITAL REQUIREMENTS The Association is subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Association’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Association must meet specific capital guidelines that involve quantitative measures of the Association’s assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Association’s capital amounts, and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Association to maintain minimum amounts and ratios as set forth in the following tables of tangible, core, and total risk-based capital. To be considered well-capitalized under the regulatory framework for Prompt Corrective Action provisions, the Association must maintain minimum Tier I leverage, Tier I risk- based, common equity Tier 1, and total risk-based capital ratios (as defined) as set forth in the following tables. As of September 30, 2025 and March 31, 2025, the Association was well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, the Association must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the tables. There are no conditions or events since September 30, 2025, that management believes have changed the Association’s category. The Association’s actual capital amounts and ratios as of September 30, 2025 and March 31, 2025, are also presented in the table below:
|  | Actual |  |  | Minimum Required for Capital Adequacy Purposes |  |  | Minimum Required To be Well-Capitalized Under Prompt Corrective Action Provisions |
As of September 30, 2025 |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
|  | (Dollars in thousands) |
Total Capital (to Risk- Weighted Assets) |  | $ | 75,554 |  |  |  | 17.71 | % |  | $ | 34,133 |  |  |  | 8.00 | % |  | $ | 42,666 |  |  |  | 10.00 | %
Tier 1 Capital (to Risk- Weighted Assets) |  | $ | 70,216 |  |  |  | 16.46 | % |  | $ | 25,600 |  |  |  | 6.00 | % |  | $ | 34,133 |  |  |  | 8.00 | %
Common Equity Tier 1 Capital to Risk-Weighted Assets |  | $ | 70,216 |  |  |  | 16.46 | % |  | $ | 19,200 |  |  |  | 4.50 | % |  | $ | 27,733 |  |  |  | 6.50 | %
Tier 1 Capital (to Average Assets) |  | $ | 70,216 |  |  |  | 14.05 | % |  | $ | 19,996 |  |  |  | 4.00 | % |  | $ | 24,995 |  |  |  | 5.00 | %
As of March 31, 2025 |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |  |  | Amount |  |  | Ratio |
Total Capital (to Risk- Weighted Assets) |  | $ | 72,977 |  |  |  | 17.83 | % |  | $ | 32,734 |  |  |  | 8.00 | % |  | $ | 40,918 |  |  |  | 10.00 | %
Tier 1 Capital (to Risk- Weighted Assets) |  | $ | 67,856 |  |  |  | 16.58 | % |  | $ | 24,551 |  |  |  | 6.00 | % |  | $ | 32,734 |  |  |  | 8.00 | %
Common Equity Tier 1 Capital to Risk-Weighted Assets |  | $ | 67,856 |  |  |  | 16.58 | % |  | $ | 18,413 |  |  |  | 4.50 | % |  | $ | 26,597 |  |  |  | 6.50 | %
Tier 1 Capital (to Average Assets) |  | $ | 67,856 |  |  |  | 13.78 | % |  | $ | 19,701 |  |  |  | 4.00 | % |  | $ | 24,626 |  |  |  | 5.00 | %

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- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
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