CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2023	Mar. 31, 2023
ASSETS
Cash and cash equivalents (including interest earning deposits in other banks of $18,147 and $10,397)	$ 30,853	$ 22,044
Certificates of deposit held for investment		249
Investment securities:
Available for sale, at estimated fair value	193,984	211,499
Held to maturity, at amortized cost (estimated fair value of $193,283 and $210,214)	236,018	243,843
Loans receivable (net of allowance for credit losses of $15,346 and $15,309)	1,000,279
Loans receivable (net of allowance for credit losses of $15,346 and $15,309)		993,547
Prepaid expenses and other assets	14,481	15,950
Accrued interest receivable	4,882	4,790
Federal Home Loan Bank ("FHLB") stock , at cost	7,643	6,867
Premises and equipment, net	22,707	20,119
Financing lease right-of-use ("ROU") assets	1,240	1,278
Deferred income taxes, net	12,002	10,286
Goodwill	27,076	27,076
Core deposit intangible ("CDI"), net	325	379
Bank owned life insurance ("BOLI")	32,243	31,785
TOTAL ASSETS	1,583,733	1,589,712
LIABILITIES:
Deposits	1,239,766	1,265,217
Accrued expenses and other liabilities	18,735	15,730
Advance payments by borrowers for taxes and insurance	878	625
FHLB advances	143,154	123,754
Junior subordinated debentures	26,961	26,918
Finance lease liability	2,200	2,229
Total liabilities	1,431,694	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 September 30, 2023 - 21,125,889 shares issued and outstanding March 31, 2023 - 21,221,960 shares issued and outstanding	211	212
Additional paid-in capital	54,963	55,511
Retained earnings	120,556	117,826
Accumulated other comprehensive loss	(23,691)	(18,310)
Total shareholders' equity	152,039	155,239
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY	$ 1,583,733	$ 1,589,712