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Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Sep. 30, 2025
Mar. 31, 2025
Assets    
Cash and due from banks $ 6,340 $ 7,611
Interest-bearing deposits in other banks 2,549 21,071
Total cash and cash equivalents 8,889 28,682
Investment securities - available for sale 59,670 59,369
Investment securities - held to maturity 192 222
Loans, net of unearned income 422,320 402,197
Allowance for credit losses on loans (5,523) (5,441)
Loans, net 416,797 396,756
Accrued interest receivable 3,809 3,101
Federal Home Loan Bank (FHLB) stock - at cost 626 612
Premises and equipment - net 13,372 12,938
Deferred income taxes 2,477 2,703
Mortgage servicing rights 402 380
Other assets 3,769 3,939
Total assets 510,003 508,702
Deposits:    
Noninterest bearing deposits 63,980 64,497
Interest-bearing    
Demand and NOW checking 125,927 152,782
Money market 32,151 30,718
Savings 45,961 45,476
Time deposits over $250,000 34,025 28,590
Other time deposits 106,146 94,138
Total deposits 408,190 416,201
Borrowings 8,500  
Pension liability 1,378 1,459
Advances from borrowers for taxes and insurance 1,111 1,834
Accrued interest payable 1,738 1,716
Accounts payable, accrued expenses and other liabilities 2,906 4,160
Total liabilities 423,823 425,370
Stockholders' equity:    
Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,217,338 shares issued and outstanding at September 30, 2025 and 4,231,742 shares issued and outstanding at March 31, 2025) 41 41
Additional paid-in capital 39,442 39,265
Retained earnings 52,405 50,652
Unallocated common shares held by Employee Stock Ownership Plan (ESOP) (2,941) (3,007)
Accumulated other comprehensive loss, net (2,767) (3,619)
Total stockholders' equity 86,180 83,332
Total liabilities and stockholders' equity $ 510,003 $ 508,702