Consolidated Statements of Cash Flows - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Sep. 30, 2021	Sep. 30, 2020	Sep. 30, 2021	Sep. 30, 2020	Mar. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income (loss)	$ 1,084,000	$ (809,000)	$ (1,672,000)	$ (1,621,000)
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for (recovery of) loan losses	204,000	(1,000)	276,000	(103,000)
Stock based compensation expense			98,000	34,000
Depreciation and amortization expense			513,000	519,000
Gain on sale of real estate owned, net of market value adjustment			0	(80,000)
Gain on sale of securities	0	0	0	(862,000)
Amortization and accretion of loan premiums and discounts and deferred charges			(59,000)	358,000
Amortization and accretion of premiums and discounts — securities			246,000	274,000
Decrease (increase) in accrued interest receivable			41,000	(513,000)
Decrease in other assets			342,000	441,000
(Decrease) increase in other liabilities			(4,487,000)	1,580,000
Net cash (used in) provided by operating activities			(4,702,000)	27,000
CASH FLOWS FROM INVESTING ACTIVITIES
Payments to Acquire Debt Securities, Available-for-sale			0	58,861,000
Proceeds from Sale of Debt Securities, Available-for-sale			0	30,190,000
Proceeds from principal payments, maturities and calls of investments: Available-for-sale			7,849,000	7,002,000
Proceeds from principal payments, maturities and calls of investments: Held-to-maturity			2,165,000	630,000
Loans purchased from third parties			(24,910,000)	(11,767,000)
Payments for (Proceeds from) Other Loans and Leases			15,684,000	24,183,000
Proceeds on sale of loans			3,926,000	0
(Purchase) redemption of FHLB-NY stock, net			(122,000)	16,000
Purchase of premises and equipment			(134,000)	(145,000)
Proceeds from sales of real estate owned			0	260,000
Net cash used in investing activities			(26,910,000)	(56,858,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposits			46,806,000	51,931,000
Proceeds from (Repayments of) Other Borrowings				28,293,000
Repayments of Other Borrowings			(18,155,000)
Proceeds from Issuance of Unsecured Debt			2,500,000	0
Contributed Capital		2,500,000	0	2,500,000
Repurchase of Common Stock		2,500,000	0	2,500,000
Proceeds from Issuance of Preferred Stock and Preference Stock			4,000,000	0
Net cash provided by financing activities			35,151,000	80,224,000
Net increase in cash and cash equivalents			3,539,000	23,393,000
Cash and cash equivalents at beginning of period			75,591,000	47,540,000
Cash and cash equivalents at end of period	$ 79,130,000	70,933,000	79,130,000	70,933,000	$ 47,540,000
Noncash financing and investing activities
Securities purchased not yet paid for			0	15,614,000
Recognition of right-of-use asset			680,000	0	$ 20,000,000
Recognition of finance lease asset			0	13,000
Recognition of finance lease liability			0	13,000
Stock Relinquished During Period, Value		$ 0		0
Cash paid for:
Interest			4,261,000	2,160,000
Income taxes			$ 91,000	$ 36,000