v3.26.1
Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Jun. 30, 2026
Mar. 31, 2026
Assets    
Cash and due from banks $ 5,600 $ 7,464
Interest-bearing deposits in other banks 28,842 22,465
Total cash and cash equivalents 34,442 29,929
Investment securities - available for sale 63,465 62,534
Investment securities - held to maturity 159 175
Loans, net of unearned income 447,436 448,346
Allowance for credit losses on loans (5,890) (5,809)
Loans, net 441,546 442,537
Accrued interest receivable 3,248 3,256
Federal Home Loan Bank (FHLB) stock - at cost 646 639
Premises and equipment - net 12,532 12,755
Deferred income taxes 2,272 2,228
Mortgage servicing rights 422 415
Other assets 3,684 4,179
Total assets 562,416 558,647
Deposits:    
Noninterest bearing deposits 67,775 64,505
Interest-bearing    
Demand and NOW checking 143,573 144,047
Money market 40,796 38,985
Savings 49,194 49,768
Time deposits over $250,000 38,749 35,453
Other time deposits 125,757 127,598
Total deposits 465,844 460,356
Pension liability 690 754
Advances from borrowers for taxes and insurance 1,554 1,897
Accrued interest payable 1,512 1,727
Accounts payable, accrued expenses and other liabilities 2,531 4,923
Total liabilities 472,131 469,657
Stockholders' equity:    
Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,181,011 shares issued and outstanding at June 30, 2026 and 4,196,359 shares issued and outstanding at March 31, 2026) 41 41
Additional paid-in capital 39,738 39,672
Retained earnings 55,763 54,404
Unallocated common shares held by Employee Stock Ownership Plan (ESOP) (2,842) (2,875)
Accumulated other comprehensive loss, net (2,415) (2,252)
Total stockholders' equity 90,285 88,990
Total liabilities and stockholders' equity $ 562,416 $ 558,647