Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2025	Sep. 30, 2024
Assets
Cash and due from banks	$ 1,972	$ 1,577
Interest earning deposits with banks	5,079	24,019
Total cash and cash equivalents	7,051	25,596
Investment securities - available for sale, at fair value	21,604	15,616
Investment securities - held to maturity, at amortized cost (fair value of $62,591 and $72,617 at June 30, 2025 and September 30, 2024, respectively)	69,520	79,816
Federal Home Loan Bank of New York stock, at cost	2,826	2,349
Loans receivable	843,991	780,162
Allowance for credit losses-loans	(8,059)	(7,548)
Bank owned life insurance	20,598	23,342
Accrued interest receivable	5,374	5,056
Premises and equipment, net	12,356	12,545
Other real estate owned ("OREO")	2,167	3,725
Other assets	10,060	11,259
Total assets	987,488	951,918
Liabilities
Deposits	819,962	796,674
Escrowed funds	4,616	4,310
Borrowings	36,054	28,568
Accrued interest payable	748	891
Accounts payable and other liabilities	9,785	10,927
Total liabilities	871,165	841,370
Stockholders' equity
Preferred stock: $.01 Par Value, 500,000 shares authorized; at June 30, 2025 and September 30, 2024, none issued
Common stock: $.01 Par Value, 14,000,000 shares authorized; 7,097,825 shares issued; 6,450,948 and 6,509,358 shares outstanding at June 30, 2025 and September 30, 2024, respectively, at cost	71	71
Additional paid-in capital	63,607	63,085
Treasury stock: 646,877 and 588,467 shares at June 30, 2025 and September 30, 2024, respectively, at cost	(8,209)	(7,364)
Unearned Employee Stock Ownership Plan shares	(2,894)	(2,972)
Retained earnings	64,558	58,644
Accumulated other comprehensive loss	(810)	(916)
Total stockholders' equity	116,323	110,548
Total liabilities and stockholders' equity	$ 987,488	$ 951,918