Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2023	Sep. 30, 2022
Assets
Cash	$ 3,064	$ 2,869
Interest earning deposits with banks	19,340	28,067
Total cash and cash equivalents	22,404	30,936
Investment securities available-for-sale, at fair value	8,734	9,229
Investment securities held-to-maturity, at amortized cost (fair value of $73,337 and $79,914 at June 30, 2023 and September 30, 2022, respectively)	83,720	91,646
Federal Home Loan Bank of New York stock, at cost	3,051	1,447
Loans receivable, net of allowance for loan losses of $8,378 and $8,433 at June 30, 2023 and September 30, 2022, respectively	693,308	619,843
Bank owned life insurance	17,938	17,660
Accrued interest receivable	4,143	3,478
Premises and equipment, net	13,483	13,880
Other real estate owned ("OREO")	291	281
Other assets	10,377	10,143
Total assets	857,449	798,543
Liabilities
Deposits	693,472	667,733
Escrowed funds	3,907	3,407
Borrowings	45,534	15,625
Accrued interest payable	213	85
Accounts payable and other liabilities	11,566	13,191
Total liabilities	754,692	700,041
Stockholders' equity
Preferred stock: $.01 Par Value, 500,000 shares authorized; at June 30, 2023 and September 30, 2022, none issued
Common stock: $.01 Par Value, 14,000,000 shares authorized; 7,097,825 shares issued; 6,668,572 and 6,745,128 shares outstanding at June 30, 2023 and September 30, 2022, respectively, at cost	71	71
Additional paid-in capital	63,023	63,734
Treasury stock: 429,253 and 465,693 shares at June 30, 2023 and September 30, 2022, respectively, at cost	(5,478)	(5,793)
Unearned Employee Stock Ownership Plan shares	(3,113)	(3,169)
Retained earnings	50,182	45,773
Accumulated other comprehensive loss	(1,928)	(2,114)
Total stockholders' equity	102,757	98,502
Total liabilities and stockholders' equity	$ 857,449	$ 798,543