v3.26.1
LOANS AND ACL - Risk category of bank loans by year of origination (Details) - USD ($)
$ in Thousands
12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2024
Origination year      
2026/2025 $ 135,552 $ 86,438  
2025/2024 79,687 76,035  
2024/2023 60,534 166,330  
2023/2022 153,637 323,921  
2022/2021 305,852 116,522  
Prior 316,383 259,679  
Revolving Loans 40,839 33,535  
Total Loans Receivable 1,092,484 1,062,460  
Gross write-offs      
2025/2024   86  
2023/2022 398 25  
Prior 939    
Revolving Loans 19 12  
Total Loans Receivable 1,356 123 $ 13
Commercial and Construction | Commercial Business      
Origination year      
2026/2025 6,270 12,804  
2025/2024 17,043 17,592  
2024/2023 16,776 56,013  
2023/2022 46,668 86,203  
2022/2021 78,008 21,390  
Prior 38,583 24,945  
Revolving Loans 16,498 13,988  
Total Loans Receivable 219,846 232,935  
Gross write-offs      
2023/2022 398    
Revolving Loans 1    
Total Loans Receivable 399    
Commercial Real Estate Portfolio Segment      
Origination year      
Total Loans Receivable 968,277 950,363  
Commercial Real Estate Portfolio Segment | Commercial Business      
Origination year      
Total Loans Receivable 219,846 232,935  
Gross write-offs      
Total Loans Receivable 399    
Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2026/2025 74,310 44,477  
2025/2024 47,265 45,375  
2024/2023 42,595 64,643  
2023/2022 62,664 143,600  
2022/2021 138,080 86,768  
Prior 246,720 207,322  
Total Loans Receivable 611,634 592,185  
Gross write-offs      
2025/2024   80  
Prior 911    
Total Loans Receivable 911 80  
Commercial Real Estate Portfolio Segment | Land      
Origination year      
2026/2025 7,441 615  
2025/2024 600    
2024/2023   2,570  
2023/2022 886 84  
2022/2021 72    
Prior 148 457  
Revolving Loans   884  
Revolving Loans (4)    
Total Loans Receivable 9,143 4,610  
Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2026/2025 10,609 1,132  
2025/2024 1,108 947  
2024/2023 923 39,462  
2023/2022 43,242 35,831  
2022/2021 34,974 4,275  
Prior 12,758 9,804  
Total Loans Receivable 103,614 91,451  
Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2026/2025 22,010 14,092  
2025/2024 2,030 11,784  
2024/2023   3,306  
Total Loans Receivable 24,040 29,182  
Consumer      
Origination year      
Total Loans Receivable 124,207 112,097  
Gross write-offs      
Total Loans Receivable 46 43 $ 13
Consumer | Real estate one-to-four family      
Origination year      
2026/2025   133  
2023/2022   58,107  
2022/2021 54,684 4,041  
Prior 18,140 17,145  
Revolving Loans 23,874 18,257  
Total Loans Receivable 96,698 97,683  
Gross write-offs      
Prior 28    
Revolving Loans   11  
Total Loans Receivable 28 11  
Consumer | Other installment      
Origination year      
2026/2025 14,912 13,185  
2025/2024 11,641 337  
2024/2023 240 336  
2023/2022 177 96  
2022/2021 34 48  
Prior 34 6  
Revolving Loans 471 406  
Total Loans Receivable 27,509 14,414  
Gross write-offs      
2025/2024   6  
2023/2022   25  
Revolving Loans 18 1  
Total Loans Receivable 18 32  
Pass      
Origination year      
2026/2025 131,400 84,474  
2025/2024 77,878 72,841  
2024/2023 57,974 162,509  
2023/2022 147,085 318,104  
2022/2021 300,343 116,032  
Prior 285,088 224,723  
Revolving Loans 37,793 32,369  
Total Loans Receivable 1,037,561 1,011,052  
Pass | Commercial and Construction | Commercial Business      
Origination year      
2026/2025 6,270 10,840  
2025/2024 15,664 17,592  
2024/2023 16,776 56,013  
2023/2022 46,668 85,632  
2022/2021 77,604 20,918  
Prior 38,064 24,198  
Revolving Loans 13,459 12,822  
Total Loans Receivable 214,505 228,015  
Pass | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2026/2025 70,158 44,477  
2025/2024 46,935 42,181  
2024/2023 40,035 61,005  
2023/2022 56,434 138,354  
2022/2021 132,992 86,768  
Prior 216,215 173,364  
Total Loans Receivable 562,769 546,149  
Pass | Commercial Real Estate Portfolio Segment | Land      
Origination year      
2026/2025 7,441 615  
2025/2024 600    
2024/2023   2,570  
2023/2022 886 84  
2022/2021 72    
Prior 148 457  
Revolving Loans   884  
Revolving Loans (4)    
Total Loans Receivable 9,143 4,610  
Pass | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2026/2025 10,609 1,132  
2025/2024 1,008 947  
2024/2023 923 39,279  
2023/2022 42,920 35,831  
2022/2021 34,957 4,257  
Prior 12,487 9,583  
Total Loans Receivable 102,904 91,029  
Pass | Commercial Real Estate Portfolio Segment | Real Estate Construction      
Origination year      
2026/2025 22,010 14,092  
2025/2024 2,030 11,784  
2024/2023   3,306  
Total Loans Receivable 24,040 29,182  
Pass | Consumer | Real estate one-to-four family      
Origination year      
2026/2025   133  
2023/2022   58,107  
2022/2021 54,684 4,041  
Prior 18,140 17,115  
Revolving Loans 23,867 18,257  
Total Loans Receivable 96,691 97,653  
Pass | Consumer | Other installment      
Origination year      
2026/2025 14,912 13,185  
2025/2024 11,641 337  
2024/2023 240 336  
2023/2022 177 96  
2022/2021 34 48  
Prior 34 6  
Revolving Loans 471 406  
Total Loans Receivable 27,509 14,414  
Special Mention      
Origination year      
2026/2025 2,296 1,964  
2025/2024 1,490 3,164  
2024/2023 2,560 3,821  
2023/2022 6,552 5,817  
2022/2021 3,002 18  
Prior 23,315 32,531  
Revolving Loans 3,039 1,166  
Total Loans Receivable 42,254 48,481  
Special Mention | Commercial and Construction | Commercial Business      
Origination year      
2026/2025   1,964  
2025/2024 1,253    
2023/2022   571  
2022/2021 404    
Prior   456  
Revolving Loans 3,039 1,166  
Total Loans Receivable 4,696 4,157  
Special Mention | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2026/2025 2,296    
2025/2024 237 3,164  
2024/2023 2,560 3,638  
2023/2022 6,230 5,246  
2022/2021 2,598    
Prior 23,132 31,920  
Total Loans Receivable 37,053 43,968  
Special Mention | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2024/2023   183  
2023/2022 322    
2022/2021   18  
Prior 183 155  
Total Loans Receivable 505 356  
Substandard      
Origination year      
2026/2025 1,856    
2025/2024 319 30  
2022/2021 2,507 472  
Prior 7,944 2,425  
Revolving Loans 7    
Total Loans Receivable 12,633 2,927  
Substandard | Commercial and Construction | Commercial Business      
Origination year      
2025/2024 126    
2022/2021   472  
Prior 519 291  
Total Loans Receivable 645 763  
Substandard | Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Origination year      
2026/2025 1,856    
2025/2024 93 30  
2022/2021 2,490    
Prior 7,373 2,038  
Total Loans Receivable 11,812 2,068  
Substandard | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
2025/2024 100    
2022/2021 17    
Prior 52 66  
Total Loans Receivable 169 66  
Substandard | Consumer | Real estate one-to-four family      
Origination year      
Prior   30  
Revolving Loans 7    
Total Loans Receivable 7 $ 30  
Doubtful      
Origination year      
Prior 36    
Total Loans Receivable 36    
Doubtful | Commercial Real Estate Portfolio Segment | Multi-Family      
Origination year      
Prior 36    
Total Loans Receivable $ 36