CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2023	Mar. 31, 2022
ASSETS
Cash and cash equivalents (including interest-earning accounts of $10,397 and $224,589)	$ 22,044	$ 241,424
Certificates of deposit held for investment	249	249
Investment securities:
Available for sale, at estimated fair value	211,499	165,782
Held to maturity, at amortized cost (estimated fair value of $210,214 and $236,029)	243,843	253,100
Loans receivable (net of allowance for loan losses of $15,309 and $14,523)	993,547
Loans receivable (net of allowance for loan losses of $15,309 and $14,523)		975,885
Prepaid expenses and other assets	15,950	12,396
Accrued interest receivable	4,790	4,650
Federal Home Loan Bank ("FHLB") stock , at cost	6,867	2,019
Premises and equipment, net	20,119	17,166
Financing lease right-of-use ("ROU") assets	1,278	1,355
Deferred income taxes, net	10,286	7,501
Mortgage servicing rights, net		34
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	379	495
Bank owned life insurance ("BOLI")	31,785	30,964
TOTAL ASSETS	1,589,712	1,740,096
LIABILITIES:
Deposits	1,265,217	1,533,878
Accrued expenses and other liabilities	15,730	19,298
Advance payments by borrowers for taxes and insurance	625	555
FHLB advances	123,754
Junior subordinated debentures	26,918	26,833
Finance lease liability	2,229	2,283
Total liabilities	1,434,473	1,582,847
COMMITMENTS AND CONTINGENCIES (See Note 17)
SHAREHOLDERS' EQUITY:
Common stock, $.01 par value; 50,000,000 shares authorized March 31, 2023 - 21,221,960 shares issued and outstanding March 31, 2022 - 22,155,636 shares issued and 22,127,396 outstanding	212	221
Additional paid-in capital	55,511	62,048
Retained earnings	117,826	104,931
Accumulated other comprehensive loss	(18,310)	(9,951)
Total shareholders' equity	155,239	157,249
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,589,712	$ 1,740,096