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Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 6 Months Ended
Sep. 30, 2025
Sep. 30, 2024
Sep. 30, 2025
Sep. 30, 2024
Interest and dividend income        
Loans-including fees $ 6,188 $ 5,596 $ 12,087 $ 10,904
Investment securities 576 532 1,160 1,065
FHLB stock 7 9 14 16
Federal funds sold 14 12 105 75
Total interest and dividend income 6,785 6,149 13,366 12,060
Interest expense:        
Deposits 2,165 2,017 4,253 3,937
Borrowings under FHLB advances 35 74 37 99
Total interest expense 2,200 2,091 4,290 4,036
Net interest income before provision for (reversal of) credit losses 4,585 4,058 9,076 8,024
Provision for (reversal of) credit losses 89 4 86 (1)
Net interest income after provision for (reversal of) credit losses 4,496 4,054 8,990 8,025
Non-interest income:        
Servicing fees on loans 33 36 64 68
Service charges on deposit accounts 197 199 389 391
Interchange income 327 326 655 648
Gain on sale of loans 98 43 175 91
Gain from real estate owned and other repossessed assets, net   1 1 1
Other non-interest income 24 19 49 37
Total non-interest income 679 624 1,333 1,236
Non-interest expense:        
Salaries and employee benefits 2,194 1,938 4,297 3,781
Occupancy and equipment 429 270 747 522
Data processing 514 522 1,014 984
Federal deposit insurance premiums 52 49 103 93
Debit card processing 70 70 134 134
Advertising 102 71 193 146
Other general and administrative expenses 699 601 1,491 1,334
Total non-interest expense 4,060 3,521 7,979 6,994
Income before income tax expense 1,115 1,157 2,344 2,267
Income tax expense 233 205 474 412
Net income $ 882 $ 952 $ 1,870 $ 1,855
Earnings per share - basic $ 0.23 $ 0.25 $ 0.49 $ 0.49
Earnings per share - diluted $ 0.23 $ 0.25 $ 0.49 $ 0.49
Weighted average shares outstanding - basic 3,785,223 3,821,330 3,788,896 3,819,680
Weighted average shares outstanding - diluted 3,808,651 3,821,330 3,806,172 3,819,680