v3.25.1
LOANS AND ACL - Reconciliation of the allowance for loan losses (Details) - USD ($)
$ in Thousands
12 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Mar. 31, 2023
Reconciliation of the allowance for loan losses      
Beginning balance $ 15,364 $ 15,309  
Provision for (recapture of) loan losses 100    
Charge-offs (123) (13)  
Recoveries 33 26  
Ending balance 15,374 15,364 $ 15,309
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   15,309 14,523
Provision for (recapture of) loan losses     750
Charge-offs     (17)
Recoveries     53
Ending balance     15,309
Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance 42 42  
Ending balance   42 42
Commercial Real Estate Portfolio Segment | Commercial Business      
Reconciliation of the allowance for loan losses      
Beginning balance 5,280 3,123  
Provision for (recapture of) loan losses (248) 273  
Recoveries 1    
Ending balance 5,033 5,280 3,123
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   3,123 2,422
Provision for (recapture of) loan losses     701
Ending balance     3,123
Commercial Real Estate Portfolio Segment | Commercial Business | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   1,884  
Ending balance     1,884
Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Reconciliation of the allowance for loan losses      
Beginning balance 7,391 8,894  
Provision for (recapture of) loan losses 181 (9)  
Charge-offs (80)    
Ending balance 7,492 7,391 8,894
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   8,894 9,037
Provision for (recapture of) loan losses     (143)
Ending balance     8,894
Commercial Real Estate Portfolio Segment | Commercial Real Estate | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   (1,494)  
Ending balance     (1,494)
Commercial Real Estate Portfolio Segment | Land      
Reconciliation of the allowance for loan losses      
Beginning balance 106 93  
Provision for (recapture of) loan losses (23) (27)  
Ending balance 83 106 93
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   93 168
Provision for (recapture of) loan losses     (75)
Ending balance     93
Commercial Real Estate Portfolio Segment | Land | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   40  
Ending balance     40
Commercial Real Estate Portfolio Segment | Multi-Family      
Reconciliation of the allowance for loan losses      
Beginning balance 367 798  
Provision for (recapture of) loan losses 77 61  
Ending balance 444 367 798
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   798 845
Provision for (recapture of) loan losses     (47)
Ending balance     798
Commercial Real Estate Portfolio Segment | Multi-Family | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   (492)  
Ending balance     (492)
Commercial Real Estate Portfolio Segment | Real Estate Construction      
Reconciliation of the allowance for loan losses      
Beginning balance 636 764  
Provision for (recapture of) loan losses (156) (259)  
Ending balance 480 636 764
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   764 393
Provision for (recapture of) loan losses     371
Ending balance     764
Commercial Real Estate Portfolio Segment | Real Estate Construction | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   131  
Ending balance     131
Consumer      
Reconciliation of the allowance for loan losses      
Beginning balance 1,584 1,127  
Provision for (recapture of) loan losses 269 (39)  
Charge-offs (43) (13)  
Recoveries 32 26  
Ending balance $ 1,842 1,584 1,127
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   1,127 943
Provision for (recapture of) loan losses     148
Charge-offs     (17)
Recoveries     53
Ending balance     1,127
Consumer | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   483  
Ending balance     483
Unallocated      
Reconciliation of the allowance for loan losses      
Beginning balance   510  
Ending balance     510
Reconciliation of the allowance for loan losses before ASU      
Beginning balance   510 715
Provision for (recapture of) loan losses     (205)
Ending balance     510
Unallocated | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   $ (510)  
Ending balance     $ (510)