v3.25.4
Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2025
Dec. 31, 2024
Interest and dividend income        
Loans-including fees $ 6,574 $ 5,648 $ 18,661 $ 16,552
Investment securities 558 529 1,718 1,594
FHLB stock 7 8 21 24
Federal funds sold 32 62 137 137
Total interest and dividend income 7,171 6,247 20,537 18,307
Interest expense:        
Deposits 2,294 2,115 6,547 6,052
Borrowings 22   59 99
Total interest expense 2,316 2,115 6,606 6,151
Net interest income before provision for credit losses 4,855 4,132 13,931 12,156
Provision for credit losses   57 86 56
Net interest income after provision for credit losses 4,855 4,075 13,845 12,100
Non-interest income:        
Servicing fees on loans 37 32 101 100
Service charges on deposit accounts 201 219 590 610
Interchange income 310 320 965 968
Gain on sale of loans 96 63 271 154
Gain from real estate owned and other repossessed assets, net     1 1
Other non-interest income 60 22 109 59
Total non-interest income 704 656 2,037 1,892
Non-interest expense:        
Salaries and employee benefits 2,243 1,948 6,540 5,729
Occupancy and equipment 420 266 1,167 788
Data processing 523 476 1,537 1,460
Federal deposit insurance premiums 50 48 153 141
Debit card processing 69 66 203 200
Advertising 110 86 303 232
Other general and administrative expenses 669 650 2,160 1,984
Total non-interest expense 4,084 3,540 12,063 10,534
Income before income tax expense 1,475 1,191 3,819 3,458
Income tax expense 300 240 774 652
Net income $ 1,175 $ 951 $ 3,045 $ 2,806
Earnings per share - basic $ 0.31 $ 0.25 $ 0.8 $ 0.73
Earnings per share - diluted $ 0.31 $ 0.25 $ 0.8 $ 0.73
Weighted average shares outstanding - basic 3,784,169 3,841,247 3,787,315 3,826,895
Weighted average shares outstanding - diluted 3,809,046 3,841,247 3,807,125 3,826,895