DEPOSITS (Tables)

12 Months Ended

Mar. 31, 2023

DEPOSITS

Schedule of deposit accounts

Deposit accounts consisted of the following at the dates indicated (in thousands):

	March 31,		March 31,
Account Type	2023		2022
Non-interest-bearing	$	404,937	$	494,831
Interest-bearing checking		254,522		287,861
Money market		221,778		299,738
Savings accounts		255,147		340,076
Certificates of deposit		128,833		111,372
Total	$	1,265,217	$	1,533,878

Schedule of maturities of certificates of deposit for future years

Scheduled maturities of certificates of deposit for future years ending March 31 are as follows (in thousands):

Year Ending March 31, :
2024	$	84,603
2025		37,569
2026		4,143
2027		1,193
2028		531
Thereafter		794
Total	$	128,833

Schedule of interest expense by deposit type

Interest expense by deposit type was as follows for the years indicated (in thousands):

	Year Ended March 31,
	2023		2022		2021
Interest-bearing checking	$	89	$	87	$	85
Money market		415		150		153
Savings accounts		219		247		418
Certificates of deposit		779		940		1,888
Total	$	1,502	$	1,424	$	2,544