v3.26.3
Consolidated Statements of Financial Condition - USD ($)
$ in Thousands
Sep. 30, 2026
Mar. 31, 2026
Assets    
Cash and due from banks $ 7,174 $ 7,464
Interest-bearing deposits in other banks 24,615 22,465
Total cash and cash equivalents 31,789 29,929
Investment securities - available for sale 65,434 62,534
Investment securities - held to maturity 3,150 175
Loans, net of unearned income 446,432 448,346
Allowance for credit losses on loans (5,890) (5,809)
Loans, net 440,542 442,537
Accrued interest receivable 3,832 3,256
Federal Home Loan Bank (FHLB) stock - at cost 652 639
Premises and equipment - net 12,397 12,755
Deferred income taxes 2,677 2,228
Mortgage servicing rights 417 415
Other assets 4,022 4,179
Total assets 564,912 558,647
Deposits:    
Noninterest bearing deposits 67,993 64,505
Interest-bearing    
Demand and NOW checking 143,326 144,047
Money market 42,225 38,985
Savings 49,141 49,768
Time deposits over $250,000 37,231 35,453
Other time deposits 128,870 127,598
Total deposits 468,786 460,356
Pension liability 648 754
Advances from borrowers for taxes and insurance 1,138 1,897
Accrued interest payable 1,614 1,727
Accounts payable, accrued expenses and other liabilities 2,841 4,923
Total liabilities 475,027 469,657
Stockholders' equity:    
Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,166,293 shares issued and outstanding at September 30, 2026 and 4,196,359 shares issued and outstanding at March 31, 2026) 40 41
Additional paid-in capital 39,817 39,672
Retained earnings 56,777 54,404
Unallocated common shares held by Employee Stock Ownership Plan (ESOP) (2,809) (2,875)
Accumulated other comprehensive loss, net (3,940) (2,252)
Total stockholders' equity 89,885 88,990
Total liabilities and stockholders' equity $ 564,912 $ 558,647