Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2018	Sep. 30, 2017
Assets
Cash	$ 937	$ 871
Interest earning deposits with banks	12,557	21,463
Total cash and cash equivalents	13,494	22,334
Investment securities - available for sale, at fair value	23,111	11,815
Investment securities - held to maturity, at amortized cost (fair value of $32,905 and $51,241 at June 30, 2018 and September 30, 2017, respectively)	34,342	51,368
Federal Home Loan Bank of New York stock, at cost	2,760	2,002
Loans receivable, net of allowance for loan losses of $3,985 and $3,475 at June 30, 2018 and September 30, 2017, respectively	498,818	470,693
Bank owned life insurance	11,768	11,550
Accrued interest receivable	2,014	1,929
Premises and equipment, net	17,198	17,567
Other real estate owned ("OREO")	10,040	11,056
Other assets	2,599	2,730
Total assets	616,144	603,044
Liabilities
Deposits	507,984	515,201
Escrowed funds	2,478	1,937
Federal Home Loan Bank of New York advances	48,764	31,905
Accrued interest payable	160	105
Accounts payable and other liabilities	6,201	4,439
Total liabilities	565,587	553,587
Stockholders' equity
Preferred stock: $.01 Par Value, 1,000,000 shares authorized; none issued
Common stock: $.01 Par Value, 8,000,000 shares authorized; 5,923,742 issued; 5,820,746 shares outstanding at June 30, 2018 and September 30, 2017	59	59
Additional paid-in capital	26,305	26,289
Treasury stock: 102,996 shares at June 30, 2018 and September 30, 2017, at cost	(1,152)	(1,152)
Unearned Employee Stock Ownership Plan shares	(390)	(492)
Retained earnings	27,269	25,757
Accumulated other comprehensive loss	(1,534)	(1,004)
Total stockholders' equity	50,557	49,457
Total liabilities and stockholders' equity	$ 616,144	$ 603,044