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v3.25.2

Deposits (Tables) | 12 Months Ended
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Mar. 31, 2025
Deposits [Abstract] |
Deposit Liabilities, Type | Deposit balances and weighted average interest rates as of March 31 are as follows:
| 2025 |  | 2024
$ in thousands | Amount |  | Percent of Total Deposits |  | Weighted Average Rate |  | Amount |  | Percent of Total Deposits |  | Weighted Average Rate
Non-interest-bearing demand | $ | 89,538 |  |  | 13.53 | % |  | — | % |  | $ | 102,013 |  |  | 15.77 | % |  | — | %
Interest-bearing checking | 44,453 |  |  | 6.72 |  |  | 0.12 |  |  | 46,358 |  |  | 7.17 |  |  | 0.58 |
Savings | 111,365 |  |  | 16.83 |  |  | 0.62 |  |  | 113,187 |  |  | 17.49 |  |  | 0.28 |
Money market savings account | 161,592 |  |  | 24.41 |  |  | 2.01 |  |  | 159,105 |  |  | 24.59 |  |  | 1.34 |
Certificates of deposit | 252,129 |  |  | 38.10 |  |  | 3.98 |  |  | 223,719 |  |  | 34.58 |  |  | 3.22 |
Loan escrow deposits | 2,760 |  |  | 0.41 |  |  | 1.03 |  |  | 2,617 |  |  | 0.40 |  |  | 0.30 |
Total | $ | 661,837 |  |  | 100.00 | % |  | 2.12 | % |  | $ | 646,999 |  |  | 100.00 | % |  | 1.54 | %
CD Maturities | Scheduled maturities of certificates of deposit for the year ended March 31, 2025 are as follows:
$ in thousands |  | Amount
Maturing years ending March 31: |  |
2026 |  | $ | 231,873 |
2027 |  | 14,088 |
2028 |  | 2,631 |
2029 |  | 1,723 |
2030 |  | 1,812 |
2031 and beyond |  | 2 |
Total |  | $ | 252,129 |
The following table represents the amount of certificates of deposit of $250,000 or more at March 31, 2025 maturing during the periods indicated:
$ in thousands |
Maturing: |
April 1, 2025 to June 30, 2025 | $ | 60,824 |
July 1, 2025 to September 30, 2025 | 6,339 |
October 1, 2025 to March 31, 2026 | 4,688 |
April 1, 2026 and beyond | 2,330 |
Total | $ | 74,181 |
Interest expense on deposits | Interest expense on deposits is as follows for the years ended March 31:
$ in thousands | 2025 |  | 2024 |  |
Interest-bearing checking | $ | 54 |  |  | $ | 289 |  |  |
Savings and clubs | 677 |  |  | 310 |  |  |
Money market savings | 3,109 |  |  | 2,102 |  |  |
Certificates of deposit | 9,175 |  |  | 6,370 |  |  |
Loan escrow deposits | 23 |  |  | 8 |  |  |
Total interest expense | $ | 13,038 |  |  | $ | 9,079 |  |  |
Other Deposits liabilities | The following table presents additional information about our year-end deposits:
$ in thousands |  | 2025 |  | 2024
Deposits from the Certificate of Deposit Account Registry Service (CDARS) |  | $ | 89,994 |  |  | $ | 76,650 |
Deposits from brokers |  | 55,042 |  |  | 60,041 |
Certificates of deposit individually greater than $250,000 |  | 19,180 |  |  | 19,458 |
Deposits from certain directors, executive officers and their affiliates |  | 3,219 |  |  | 1,033 |

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