v3.26.1
Consolidated Statements of Operations (Unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Interest and dividend income    
Loans-including fees $ 6,862 $ 5,899
Investment securities 592 584
FHLB stock 7 7
Federal funds sold 225 91
Total interest and dividend income 7,686 6,581
Interest expense:    
Deposits 2,455 2,088
Borrowings 0 2
Total interest expense 2,455 2,090
Net interest income before provision for credit losses 5,231 4,491
Provision for (reversal of) credit losses 51 (3)
Net interest income after provision for (reversal of) credit losses 5,180 4,494
Non-interest income:    
Servicing fees on loans 25 31
Service charges on deposit accounts 177 192
Interchange income 338 328
Gain on sale of loans 83 77
Gain from real estate owned and other repossessed assets, net 3 1
Other non-interest income 17 25
Total non-interest income 643 654
Non-interest expense:    
Salaries and employee benefits 2,244 2,103
Occupancy and equipment 367 318
Data processing 335 500
Federal deposit insurance premiums 59 51
Debit card processing 67 64
Advertising 87 91
Other general and administrative expenses 815 792
Total non-interest expense 3,974 3,919
Income before income tax expense 1,849 1,229
Income tax expense 357 241
Net income $ 1,492 $ 988
Earnings per share - basic $ 0.39 $ 0.26
Earnings per share - diluted $ 0.39 $ 0.26
Weighted average shares outstanding - basic 3,792,435 3,792,609
Weighted average shares outstanding - diluted 3,820,915 3,803,733