v3.25.1
LOANS AND ACL - Risk category of bank loans by year of origination (Details) - USD ($)
$ in Thousands
 12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Origination year    
2025/2024 $ 86,438 $ 68,625
2024/2023 76,035 169,408
2023/2022 166,330 338,864
2022/2021 323,921 126,861
2021/2020 116,522 84,175
Prior 259,679 215,697
Revolving Loans 33,535 20,383
Total Loans Receivable 1,062,460 1,024,013
Gross write-offs    
2024/2023 86 11
2022/2021 25  
Prior   2
Revolving Loans 12  
Total Loans Receivable 123 13
Other installment    
Gross write-offs    
Total Loans Receivable   13
Commercial and Industrial | Commercial Business    
Origination year    
2025/2024 12,804 14,126
2024/2023 17,592 63,838
2023/2022 56,013 85,864
2022/2021 86,203 28,119
2021/2020 21,390 17,431
Prior 24,945 12,701
Revolving Loans 13,988 7,325
Total Loans Receivable 232,935 229,404
Commercial Real Estate Portfolio Segment    
Origination year    
Total Loans Receivable 950,363 925,907
Commercial Real Estate Portfolio Segment | Commercial Business    
Origination year    
Total Loans Receivable 232,935 229,404
Commercial Real Estate Portfolio Segment | Commercial Real Estate    
Origination year    
2025/2024 44,477 36,636
2024/2023 45,375 70,599
2023/2022 64,643 147,912
2022/2021 143,600 89,662
2021/2020 86,768 53,424
Prior 207,322 185,268
Total Loans Receivable 592,185 583,501
Gross write-offs    
2024/2023 80  
Total Loans Receivable 80  
Commercial Real Estate Portfolio Segment | Land    
Origination year    
2025/2024 615 2,361
2024/2023   2,695
2023/2022 2,570 94
2022/2021 84  
2021/2020   106
Prior 457 437
Revolving Loans 884  
Total Loans Receivable 4,610 5,693
Commercial Real Estate Portfolio Segment | Multi-Family    
Origination year    
2025/2024 1,132 970
2024/2023 947 21,643
2023/2022 39,462 32,003
2022/2021 35,831 4,841
2021/2020 4,275 8,823
Prior 9,804 2,491
Total Loans Receivable 91,451 70,771
Commercial Real Estate Portfolio Segment | Real Estate Construction    
Origination year    
2025/2024 14,092 14,114
2024/2023 11,784 10,078
2023/2022 3,306 12,346
Total Loans Receivable 29,182 36,538
Consumer    
Origination year    
Total Loans Receivable 112,097 98,106
Gross write-offs    
Total Loans Receivable 43 13
Consumer | Real estate one-to-four family    
Origination year    
2025/2024 133  
2023/2022   60,447
2022/2021 58,107 4,164
2021/2020 4,041 4,364
Prior 17,145 14,792
Revolving Loans 18,257 12,599
Total Loans Receivable 97,683 96,366
Gross write-offs    
Revolving Loans 11  
Total Loans Receivable 11  
Consumer | Other installment    
Origination year    
2025/2024 13,185 418
2024/2023 337 555
2023/2022 336 198
2022/2021 96 75
2021/2020 48 27
Prior 6 8
Revolving Loans 406 459
Total Loans Receivable 14,414 1,740
Gross write-offs    
2024/2023 6 11
2022/2021 25  
Prior   2
Revolving Loans 1  
Total Loans Receivable 32 13
Pass    
Origination year    
2025/2024 84,474 67,311
2024/2023 72,841 165,301
2023/2022 162,509 337,234
2022/2021 318,104 126,861
2021/2020 116,032 83,654
Prior 224,723 188,352
Revolving Loans 32,369 17,885
Total Loans Receivable 1,011,052 986,598
Pass | Commercial and Industrial | Commercial Business    
Origination year    
2025/2024 10,840 14,126
2024/2023 17,592 63,838
2023/2022 56,013 85,131
2022/2021 85,632 28,119
2021/2020 20,918 16,945
Prior 24,198 12,411
Revolving Loans 12,822 4,827
Total Loans Receivable 228,015 225,397
Pass | Commercial Real Estate Portfolio Segment | Commercial Real Estate    
Origination year    
2025/2024 44,477 36,116
2024/2023 42,181 66,847
2023/2022 61,005 147,015
2022/2021 138,354 89,662
2021/2020 86,768 53,424
Prior 173,364 158,311
Total Loans Receivable 546,149 551,375
Pass | Commercial Real Estate Portfolio Segment | Land    
Origination year    
2025/2024 615 2,361
2024/2023   2,340
2023/2022 2,570 94
2022/2021 84  
2021/2020   106
Prior 457 437
Revolving Loans 884  
Total Loans Receivable 4,610 5,338
Pass | Commercial Real Estate Portfolio Segment | Multi-Family    
Origination year    
2025/2024 1,132 970
2024/2023 947 21,643
2023/2022 39,279 32,003
2022/2021 35,831 4,841
2021/2020 4,257 8,788
Prior 9,583 2,429
Total Loans Receivable 91,029 70,674
Pass | Commercial Real Estate Portfolio Segment | Real Estate Construction    
Origination year    
2025/2024 14,092 13,320
2024/2023 11,784 10,078
2023/2022 3,306 12,346
Total Loans Receivable 29,182 35,744
Pass | Consumer | Real estate one-to-four family    
Origination year    
2025/2024 133  
2023/2022   60,447
2022/2021 58,107 4,164
2021/2020 4,041 4,364
Prior 17,115 14,756
Revolving Loans 18,257 12,599
Total Loans Receivable 97,653 96,330
Pass | Consumer | Other installment    
Origination year    
2025/2024 13,185 418
2024/2023 337 555
2023/2022 336 198
2022/2021 96 75
2021/2020 48 27
Prior 6 8
Revolving Loans 406 459
Total Loans Receivable 14,414 1,740
Special Mention    
Origination year    
2025/2024 1,964 794
2024/2023 3,164 4,107
2023/2022 3,821 1,630
2022/2021 5,817  
2021/2020 18 521
Prior 32,531 27,142
Revolving Loans 1,166 2,498
Total Loans Receivable 48,481 36,692
Special Mention | Commercial and Industrial | Commercial Business    
Origination year    
2025/2024 1,964  
2023/2022   733
2022/2021 571  
2021/2020   486
Prior 456 232
Revolving Loans 1,166 2,498
Total Loans Receivable 4,157 3,949
Special Mention | Commercial Real Estate Portfolio Segment | Commercial Real Estate    
Origination year    
2024/2023 3,164 3,752
2023/2022 3,638 897
2022/2021 5,246  
Prior 31,920 26,878
Total Loans Receivable 43,968 31,527
Special Mention | Commercial Real Estate Portfolio Segment | Land    
Origination year    
2024/2023   355
Total Loans Receivable   355
Special Mention | Commercial Real Estate Portfolio Segment | Multi-Family    
Origination year    
2023/2022 183  
2021/2020 18 35
Prior 155 32
Total Loans Receivable 356 67
Special Mention | Commercial Real Estate Portfolio Segment | Real Estate Construction    
Origination year    
2025/2024   794
Total Loans Receivable   794
Substandard    
Origination year    
2025/2024   520
2024/2023 30  
2021/2020 472  
Prior 2,425 203
Total Loans Receivable 2,927 723
Substandard | Commercial and Industrial | Commercial Business    
Origination year    
2021/2020 472  
Prior 291 58
Total Loans Receivable 763 58
Substandard | Commercial Real Estate Portfolio Segment | Commercial Real Estate    
Origination year    
2025/2024   520
2024/2023 30  
Prior 2,038 79
Total Loans Receivable 2,068 599
Substandard | Commercial Real Estate Portfolio Segment | Multi-Family    
Origination year    
Prior 66 30
Total Loans Receivable 66 30
Substandard | Consumer | Real estate one-to-four family    
Origination year    
Prior 30 36
Total Loans Receivable $ 30 $ 36