Non-interest Revenue and Expense (Tables)

12 Months Ended

Mar. 31, 2025

Other Income and Expenses [Abstract]

The following table presents non-interest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, for the years ended March 31, 2025 and 2024:


	Years Ended March 31,
$ in thousands	2025		2024
Non-interest income
In-scope of Topic 606
Depository fees and charges	$	2,383	$	2,208
Loan fees and service charges	191		389
Other non-interest income	429		361
Non-interest income (in-scope of Topic 606)	3,003		2,958
Non-interest income (out-of-scope of Topic 606)	83		3,765
Total non-interest income	$	3,086	$	6,723

Other Non-interest Income and Expense

The following table sets forth other non-interest income and expense totals exceeding 1% of the aggregate of total interest income and non-interest income for any of the years presented:


	Years Ended March 31,
$ in thousands	2025		2024
Other non-interest income:
Empowering Change program fees	$	394	$	328


BOLI income	179		459
Other	3		155
Total non-interest income	$	576	$	942

Other non-interest expense:
Advertising	$	499	$	376
Legal expense	758		498
Insurance and surety	989		1,254
Audit expense	650		727

Data lines / internet	427		417
Security services	506		44
Retail expenses	999		1,151
Operating chargeoffs and other losses	46		497


Other	3,336		3,025
Total non-interest expense	$	8,210	$	7,989