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Consolidated Statements of Cash Flows - USD ($)
$ in Thousands
 6 Months Ended
Sep. 30, 2025
Sep. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES    
Net loss $ (3,608) $ (4,325)
Adjustments to reconcile net income to net cash provided by operating activities:    
Financing Receivable, Excluding Accrued Interest, Credit Loss Expense (Reversal) (41) 721
Stock based compensation expense 13 27
Depreciation and amortization expense 368 439
Gain (Loss) on Sales of Loans, Net 0 191
Income from bank owned life insurance 83 80
Amortization and accretion of loan premiums and discounts and deferred charges, net 356 209
Amortization and accretion of premiums and discounts — securities 77 97
Increase in accrued interest receivable (112) (1,192)
Decrease (increase) in other assets 352 (659)
Increase (decrease) in other liabilities 863 (804)
Net cash used in operating activities (1,815) (5,376)
CASH FLOWS FROM INVESTING ACTIVITIES    
Proceeds from principal payments, maturities and calls of investments: Available-for-sale 1,325 1,683
Proceeds from principal payments, maturities and calls of investments: Held-to-maturity 99 143
Loans held-for investment, net of (originations) and repayments/payoffs and maturities (19,784) (3,222)
Proceeds from loans sold 550 143
(Purchase) redemption of FHLB-NY stock, net (295) 339
Purchase of premises and equipment (284) (260)
Net cash provided by investing activities 21,179 5,270
CASH FLOWS FROM FINANCING ACTIVITIES    
Net (decrease) increase in deposits (36,245) 3,812
Proceeds from short-term borrowings 5,000 0
Proceeds from Issuance of Long-term Debt 4,127 1,814
Repayment of long-term borrowings (1,814) (10,000)
Net cash used in financing activities (28,932) (4,374)
Net decrease in cash and cash equivalents (9,568) (4,480)
Cash and cash equivalents at beginning of period 50,315 59,025
Cash and cash equivalents at end of period 40,747 54,545
Noncash financing and investing activities    
Recognition of finance lease asset 13 0
Recognition of finance lease liability 13 0
Cash paid for:    
Interest 6,583 7,502
Tax on capital $ 110 $ 127