v3.26.1
LOANS AND ACL - Reconciliation of the allowance for loan losses (Details) - USD ($)
12 Months Ended
Mar. 31, 2026
Mar. 31, 2025
Mar. 31, 2024
Reconciliation of the allowance for loan losses      
Beginning balance $ 15,374,000 $ 15,364,000 $ 15,309,000
Provision for (recapture of) credit losses 1,172,000 100,000  
Charge-offs (1,356,000) (123,000) (13,000)
Recoveries 58,000 33,000 26,000
Ending balance 15,248,000 15,374,000 15,364,000
Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   42,000 42,000
Ending balance     42,000
Commercial and Construction | Commercial Business      
Reconciliation of the allowance for loan losses      
Charge-offs (399,000)    
Commercial Real Estate Portfolio Segment | Commercial Business      
Reconciliation of the allowance for loan losses      
Beginning balance 5,033,000 5,280,000 3,123,000
Provision for (recapture of) credit losses (47,000) (248,000) 273,000
Charge-offs (399,000)    
Recoveries   1,000  
Ending balance 4,587,000 5,033,000 5,280,000
Commercial Real Estate Portfolio Segment | Commercial Business | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   1,884,000  
Ending balance     1,884,000
Commercial Real Estate Portfolio Segment | Commercial Real Estate      
Reconciliation of the allowance for loan losses      
Beginning balance 7,492,000 7,391,000 8,894,000
Provision for (recapture of) credit losses 946,000 181,000 (9,000)
Charge-offs (911,000) (80,000)  
Ending balance 7,527,000 7,492,000 7,391,000
Commercial Real Estate Portfolio Segment | Commercial Real Estate | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   (1,494,000)  
Ending balance     (1,494,000)
Commercial Real Estate Portfolio Segment | Land      
Reconciliation of the allowance for loan losses      
Beginning balance 83,000 106,000 93,000
Provision for (recapture of) credit losses 109,000 (23,000) (27,000)
Ending balance 192,000 83,000 106,000
Commercial Real Estate Portfolio Segment | Land | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   40,000  
Ending balance     40,000
Commercial Real Estate Portfolio Segment | Multi-Family      
Reconciliation of the allowance for loan losses      
Beginning balance 444,000 367,000 798,000
Provision for (recapture of) credit losses 24,000 77,000 61,000
Ending balance 468,000 444,000 367,000
Commercial Real Estate Portfolio Segment | Multi-Family | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   (492,000)  
Ending balance     (492,000)
Commercial Real Estate Portfolio Segment | Real Estate Construction      
Reconciliation of the allowance for loan losses      
Beginning balance 480,000 636,000 764,000
Provision for (recapture of) credit losses (48,000) (156,000) (259,000)
Ending balance 432,000 480,000 636,000
Commercial Real Estate Portfolio Segment | Real Estate Construction | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   131,000  
Ending balance     131,000
Consumer      
Reconciliation of the allowance for loan losses      
Beginning balance 1,842,000 1,584,000 1,127,000
Provision for (recapture of) credit losses 188,000 269,000 (39,000)
Charge-offs (46,000) (43,000) (13,000)
Recoveries 58,000 32,000 26,000
Ending balance $ 2,042,000 1,842,000 1,584,000
Consumer | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   483,000  
Ending balance     483,000
Unallocated      
Reconciliation of the allowance for loan losses      
Beginning balance     510,000
Unallocated | Adjustment | ASU 2016-13      
Reconciliation of the allowance for loan losses      
Beginning balance   $ (510,000)  
Ending balance     $ (510,000)