Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2025	Sep. 30, 2024
Assets
Cash and due from banks	$ 1,430	$ 1,577
Interest earning deposits with banks	5,656	24,019
Total cash and cash equivalents	7,086	25,596
Investment securities - available for sale, at fair value	21,182	15,616
Investment securities - held to maturity, at amortized cost (fair value of $61,160 and $72,617 at September 30, 2025 and 2024, respectively)	67,266	79,816
Federal Home Loan Bank of New York stock, at cost	3,399	2,349
Loans receivable	857,353	780,162
Allowance for credit losses-loans	(8,350)	(7,548)
Bank owned life insurance	19,037	23,342
Accrued interest receivable	5,798	5,056
Premises and equipment, net	12,182	12,545
Other real estate owned (“OREO”)	2,167	3,725
Other assets	10,540	11,259
Total assets	997,660	951,918
Liabilities
Deposits	814,307	796,674
Escrowed funds	4,209	4,310
Borrowings	49,054	28,568
Accrued interest payable	969	891
Accounts payable and other liabilities	10,279	10,927
Total liabilities	878,818	841,370
Stockholders’ equity
Preferred stock: $.01 Par Value, 500,000 shares authorized; at September 30, 2025 and 2024, none issued
Common stock: $.01 Par Value, 14,000,000 shares authorized; 7,097,825 shares issued; 6,480,028 and 6,509,358 shares outstanding at September 30, 2025 and 2024, respectively, at cost	71	71
Additional paid-in capital	63,421	63,085
Treasury stock: 617,797 and 588,467 shares at September 30, 2025 and 2024, respectively, at cost	(7,840)	(7,364)
Unearned Employee Stock Ownership Plan shares	(2,868)	(2,972)
Retained earnings	66,581	58,644
Accumulated other comprehensive loss	(523)	(916)
Total stockholders’ equity	118,842	110,548
Total liabilities and stockholders’ equity	$ 997,660	$ 951,918