Consolidated Statements of Cash Flows	9 Months Ended
	Dec. 31, 2020 USD ($)	Dec. 31, 2019 USD ($)
CASH FLOWS FROM OPERATING ACTIVITIES
Net loss	$ (2,931,000)	$ (3,625,000)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recovery of) loan losses	(99,000)	16,000
Stock based compensation expense	36,000	6,000
Depreciation and amortization expense	769,000	698,000
Gain on sale of real estate owned, net of market value adjustment	(80,000)	(208,000)
Gain on sale of securities	(862,000)	0
Gain on sale of loans, net	0	(25,000)
Amortization and accretion of loan premiums and discounts and deferred charges	557,000	354,000
Amortization and accretion of premiums and discounts — securities	430,000	700,000
Increase in accrued interest receivable	(858,000)	0
(Increase) decrease in other assets	(3,970,000)	3,478,000
Increase in other liabilities	2,547,000	1,057,000
Net cash (used in) provided by operating activities	(4,461,000)	2,451,000
CASH FLOWS FROM INVESTING ACTIVITIES
Purchases of investments: Available-for-sale	(74,475,000)	0
Proceeds from Sale of Available-for-sale Securities	30,190,000	0
Proceeds from principal payments, maturities and calls of investments: Available-for-sale	10,094,000	9,647,000
Proceeds from principal payments, maturities and calls of investments: Held-to-maturity	957,000	663,000
Repayments and maturities, net of originations of loans	(16,376,000)
Repayments and maturities, net of originations of loans held-for-investment		(26,638,000)
Loans purchased from third parties	(24,141,000)	(20,902,000)
Proceeds on sale of loans	0	602,000
Redemption (purchase) of FHLB-NY stock, net	16,000	(182,000)
Purchase of premises and equipment	(184,000)	(1,212,000)
Proceeds from sales of real estate owned	260,000	511,000
Net cash (used in) provided by investing activities	(73,659,000)	15,765,000
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase (decrease) in deposits	80,927,000	(15,898,000)
Increase in FHLB-NY advances and other borrowings	28,230,000	4,187,000
Contributed Capital	2,500,000	0
Repurchase of Common Stock	(2,500,000)	0
Issuance of common stock	974,000	0
Net cash provided by (used in) financing activities	110,131,000	(11,711,000)
Net increase in cash and cash equivalents	32,011,000	6,505,000
Cash and cash equivalents at beginning of period	47,540,000	31,228,000
Cash and cash equivalents at end of period	79,551,000	37,733,000
Noncash financing and investing activities
Recognition of right-of-use asset		19,951,000
Recognition of operating lease liability	16,565,000
Recognition of finance lease asset	13,000	216,000
Recognition of finance lease liability	13,000	206,000
Cash paid for:
Interest	3,186,000	3,825,000
Income taxes	$ 57,000	$ 53,000