Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income
Loans-including fees	$ 18,958	$ 14,666
Investment securities	1,725	1,355
FHLB stock	29	35
Federal funds sold	251	87
Total interest and dividend income	20,963	16,143
Interest expense:
Deposits	6,385	2,379
Borrowings under FHLB advances	105	362
Total interest expense	6,490	2,741
Net interest income before provision for credit losses	14,473	13,402
Provision for credit losses	88	2,877
Net interest income after provision for credit losses	14,385	10,525
Non-interest income:
Servicing fees on loans	129	303
Service charges on deposit accounts	769	672
Interchange income	1,293	1,041
Gain on sale of loans	195	97
Gain (loss) from real estate owned and other repossessed assets, net	4	(2)
Other	463	167
Total non-interest income	2,853	2,278
Non-interest expense:
Salaries and employee benefits	6,949	5,606
Occupancy and equipment	1,041	1,062
Data processing	1,826	1,740
Federal deposit insurance premiums	241	171
Debit card processing	252	223
Advertising	308	321
Other general and administrative expenses	1,985	1,717
Total non-interest expense	12,602	10,840
Income before income tax expense	4,636	1,963
Income tax expense	877	317
Net income	$ 3,759	$ 1,646
Basic earnings per share	$ 2.19
Diluted earnings per share	$ 2.19
Weighted average shares outstanding	1,717,941