CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2023	Mar. 31, 2023
ASSETS
Cash and cash equivalents (including interest bearing deposits in other banks of $15,771 and $10,397)	$ 29,947	$ 22,044
Certificates of deposit held for investment		249
Investment securities:
Available for sale, at estimated fair value	204,319	211,499
Held to maturity, at amortized cost (estimated fair value of $203,769 and $210,214)	239,853	243,843
Loans receivable (net of allowance for credit losses of $15,343 and $15,309)	989,064
Loans receivable (net of allowance for credit losses of $15,343 and $15,309)		993,547
Prepaid expenses and other assets	14,147	15,950
Accrued interest receivable	4,765	4,790
Federal Home Loan Bank ("FHLB") stock , at cost	7,360	6,867
Premises and equipment, net	21,692	20,119
Financing lease right-of-use ("ROU") assets	1,259	1,278
Deferred income taxes, net	10,998	10,286
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	352	379
Bank owned life insurance ("BOLI")	31,985	31,785
TOTAL ASSETS	1,582,817	1,589,712
LIABILITIES:
Deposits	1,243,322	1,265,217
Accrued expenses and other liabilities	19,631	15,730
Advance payments by borrowers for taxes and insurance	574	625
FHLB advances	136,069	123,754
Junior subordinated debentures	26,940	26,918
Finance lease liability	2,215	2,229
Total liabilities	1,428,751	1,434,473
COMMITMENTS AND CONTINGENCIES (See Note 13)
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 June 30, 2023 - 21,115,919 shares issued and outstanding March 31, 2023 - 21,221,960 shares issued and outstanding	211	212
Additional paid-in capital	55,016	55,511
Retained earnings	119,351	117,826
Accumulated other comprehensive loss	(20,512)	(18,310)
Total shareholders' equity	154,066	155,239
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,582,817	$ 1,589,712