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Deposits (Tables) | 12 Months Ended
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Mar. 31, 2024
Deposits [Abstract] |
Deposit Liabilities, Type | Deposit balances and weighted average interest rates as of March 31 are as follows:
| 2024 |  | 2023
$ in thousands | Amount |  | Percent of Total Deposits |  | Weighted Average Rate |  | Amount |  | Percent of Total Deposits |  | Weighted Average Rate
Non-interest-bearing demand | $ | 102,013 |  |  | 15.77 | % |  | — | % |  | $ | 109,401 |  |  | 18.22 | % |  | — | %
Interest-bearing checking | 46,358 |  |  | 7.17 |  |  | 0.58 |  |  | 49,473 |  |  | 8.24 |  |  | 0.10 |
Savings | 113,187 |  |  | 17.49 |  |  | 0.28 |  |  | 109,210 |  |  | 18.19 |  |  | 0.15 |
Money market savings account | 159,105 |  |  | 24.59 |  |  | 1.34 |  |  | 150,348 |  |  | 25.04 |  |  | 0.93 |
Certificates of deposit | 223,719 |  |  | 34.58 |  |  | 3.22 |  |  | 178,694 |  |  | 29.76 |  |  | 1.26 |
Loan escrow deposits | 2,617 |  |  | 0.40 |  |  | 0.30 |  |  | 3,303 |  |  | 0.55 |  |  | 0.11 |
Total | $ | 646,999 |  |  | 100.00 | % |  | 1.54 | % |  | $ | 600,429 |  |  | 100.00 | % |  | 0.64 | %
CD Maturities | Scheduled maturities of certificates of deposit for the year ended March 31, 2024 are as follows:
$ in thousands |  | Amount
Maturing years ending March 31: |  |
2025 |  | $ | 197,588 |
2026 |  | 20,106 |
2027 |  | 2,145 |
2028 |  | 1,720 |
2029 |  | 2,160 |
2030 and beyond |  | — |
Total |  | $ | 223,719 |
The following table represents the amount of certificates of deposit of $250,000 or more at March 31, 2024 maturing during the periods indicated:
$ in thousands |
Maturing: |
April 1, 2024 to June 30, 2024 | $ | 62,718 |
July 1, 2024 to September 30, 2024 | 2,129 |
October 1, 2024 to March 31, 2025 | 9,484 |
April 1, 2025 and beyond | 5,126 |
Total | $ | 79,457 |
Interest expense on deposits | Interest expense on deposits is as follows for the years ended March 31:
$ in thousands | 2024 |  | 2023 |  |
Interest-bearing checking | $ | 289 |  |  | $ | 55 |  |  |
Savings and clubs | 310 |  |  | 166 |  |  |
Money market savings | 2,102 |  |  | 1,728 |  |  |
Certificates of deposit | 6,370 |  |  | 1,756 |  |  |
Loan escrow deposits | 8 |  |  | 3 |  |  |
Total interest expense | $ | 9,079 |  |  | $ | 3,708 |  |  |
Other Deposits liabilities | The following table presents additional information about our year-end deposits:
$ in thousands |  | 2024 |  | 2023
Deposits from the Certificate of Deposit Account Registry Service (CDARS) |  | $ | 76,650 |  |  | $ | 84,389 |
Deposits from brokers |  | 60,041 |  |  | 17,638 |
Certificates of deposit individually greater than $250,000 |  | 19,458 |  |  | 25,765 |
Deposits from certain directors, executive officers and their affiliates |  | 1,033 |  |  | 4,885 |

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