CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2022	Mar. 31, 2022
ASSETS
Cash and cash equivalents (including interest-earning accounts of $8,897 and $224,589)	$ 24,337	$ 241,424
Certificates of deposit held for investment	249	249
Investment securities:
Available for sale, at estimated fair value	211,706	165,782
Held to maturity, at amortized cost (estimated fair value of $209,733 and $236,029)	247,147	253,100
Loans receivable (net of allowance for loan losses of $14,558 and $14,523)	1,001,955	975,885
Prepaid expenses and other assets	12,533	12,396
Accrued interest receivable	5,727	4,650
Federal Home Loan Bank ("FHLB") stock , at cost	3,309	2,019
Premises and equipment, net	20,220	17,166
Financing lease right-of-use ("ROU") assets	1,298	1,355
Deferred income taxes, net	11,166	7,501
Mortgage servicing rights, net	13	34
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	408	495
Bank owned life insurance ("BOLI")	31,590	30,964
TOTAL ASSETS	1,598,734	1,740,096
LIABILITIES:
Deposits	1,365,997	1,533,878
Accrued expenses and other liabilities	18,966	19,298
Advance payments by borrowers for taxes and insurance	343	555
FHLB advances	32,264
Junior subordinated debentures	26,896	26,833
Finance lease liability	2,243	2,283
Total liabilities	1,446,709	1,582,847
COMMITMENTS AND CONTINGENCIES (See Note 14)
SHAREHOLDERS' EQUITY:
Serial preferred stock, $.01 par value; 250,000 shares authorized; issued and outstanding: none
Common stock, $.01 par value; 50,000,000 shares authorized, December 31, 2022 - 21,496,335 shares issued and outstanding, March 31, 2022 - 22,155,636 shares issued and 22,127,396 outstanding	214	221
Additional paid-in capital	57,252	62,048
Retained earnings	116,117	104,931
Accumulated other comprehensive loss	(21,558)	(9,951)
Total shareholders' equity	152,025	157,249
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,598,734	$ 1,740,096