Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2024	Mar. 31, 2024
Assets
Cash and due from banks	$ 6,212	$ 6,291
Interest-bearing deposits in other banks	426	5,163
Total cash and cash equivalents	6,638	11,454
Investment securities - available for sale	57,034	60,356
Investment securities - held to maturity	256	307
Loans, net of unearned income	404,912	380,249
Allowance for credit losses on loans	(5,915)	(5,860)
Loans, net	398,997	374,389
Accrued interest receivable	2,859	2,249
Federal Home Loan Bank (FHLB) stock - at cost	612	584
Premises and equipment - net	10,276	5,867
Deferred income taxes	3,297	3,344
Mortgage servicing rights	381	403
Other assets	3,944	4,325
Total assets	484,294	463,278
Deposits:
Noninterest bearing deposits	67,813	66,891
Interest-bearing
Demand and NOW checking	129,177	127,077
Money Market	29,403	24,287
Savings	43,828	43,461
Time deposits over $250,000	31,270	34,381
Other time deposits	92,857	79,048
Total deposits	394,348	375,145
Pension liability	2,125	2,255
Advances from borrowers for taxes and insurance	1,503	1,806
Accrued interest payable	1,666	1,893
Accounts payable, accrued expenses and other liabilities	3,386	3,902
Total liabilities	403,028	385,001
Stockholders' equity:
Common Stock ($0.01 par value, 10,000,000 shares authorized, 4,170,995 shares issued and outstanding at December 31, 2024 and 4,130,815 shares issued and outstanding at March 31, 2024)	41	41
Additional paid-in capital	39,269	39,318
Retained earnings	49,893	47,130
Unallocated common shares held by Employee Stock Ownership Plan (ESOP)	(3,040)	(3,139)
Accumulated other comprehensive loss, net	(4,897)	(5,073)
Total stockholders' equity	81,266	78,277
Total liabilities and stockholders' equity	$ 484,294	$ 463,278