v3.25.4
Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Dec. 31, 2025
Mar. 31, 2025
Assets    
Cash and due from banks $ 7,731 $ 7,611
Interest-bearing deposits in other banks 20,377 21,071
Total cash and cash equivalents 28,108 28,682
Investment securities - available for sale 58,889 59,369
Investment securities - held to maturity 184 222
Loans, net of unearned income 430,243 402,197
Allowance for credit losses on loans (5,586) (5,441)
Loans, net 424,657 396,756
Accrued interest receivable 3,318 3,101
Federal Home Loan Bank (FHLB) stock - at cost 633 612
Premises and equipment - net 13,173 12,938
Deferred income taxes 2,364 2,703
Mortgage servicing rights 410 380
Other assets 4,002 3,939
Total assets 535,738 508,702
Deposits:    
Noninterest bearing deposits 62,008 64,497
Interest-bearing    
Demand and NOW checking 145,407 152,782
Money market 36,442 30,718
Savings 47,531 45,476
Time deposits over $250,000 34,834 28,590
Other time deposits 113,742 94,138
Total deposits 439,964 416,201
Pension liability 1,338 1,459
Advances from borrowers for taxes and insurance 1,649 1,834
Accrued interest payable 1,721 1,716
Accounts payable, accrued expenses and other liabilities 3,308 4,160
Total liabilities 447,980 425,370
Stockholders' equity:    
Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,205,255 shares issued and outstanding at December 31, 2025 and 4,231,742 shares issued and outstanding at March 31, 2025) 41 41
Additional paid-in capital 39,535 39,265
Retained earnings 53,507 50,652
Unallocated common shares held by Employee Stock Ownership Plan (ESOP) (2,908) (3,007)
Accumulated other comprehensive loss, net (2,417) (3,619)
Total stockholders' equity 87,758 83,332
Total liabilities and stockholders' equity $ 535,738 $ 508,702