$CFSB
CFSB Bancorp, Inc. /MA/

2023 Q4 Form 10-Q Financial Statement

#000095017023063628 Filed on November 14, 2023

View on sec.gov

Income Statement

Concept 2023 Q4 2023 Q3
Revenue $2.804M $2.732M
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $58.00K $60.00K
YoY Change 0.0% -6.25%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.165M $926.0K
YoY Change 242.65% 282.64%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income -$194.0K $216.0K
YoY Change -147.78% -73.5%
Income Tax $16.00K $93.00K
% Of Pretax Income 43.06%
Net Earnings -$210.0K $123.0K
YoY Change -161.58% -80.93%
Net Earnings / Revenue -7.49% 4.5%
Basic Earnings Per Share -$0.03 $0.02
Diluted Earnings Per Share -$0.03 $0.02
COMMON SHARES
Basic Shares Outstanding 6.633M 6.633M
Diluted Shares Outstanding 6.285M 6.282M

Balance Sheet

Concept 2023 Q4 2023 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $15.72M $6.118M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $3.317M $3.354M
YoY Change -22.34% -22.56%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $1.074M $1.100M
YoY Change 7.29% -3.42%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $359.0M $346.2M
YoY Change 0.61% -4.08%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $4.546M $4.800M
YoY Change 3.04% 10.22%
Deferred Revenue
YoY Change
Short-Term Debt $19.10M $3.250M
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $23.65M $8.100M
YoY Change 435.95% 85.99%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities $1.644M $1.600M
YoY Change -2.14% -1.11%
Total Long-Term Liabilities $1.644M $1.600M
YoY Change -2.14% -1.11%
TOTAL LIABILITIES
Total Short-Term Liabilities $23.65M $8.100M
Total Long-Term Liabilities $1.644M $1.600M
Total Liabilities $283.2M $270.3M
YoY Change 0.6% -5.49%
SHAREHOLDERS EQUITY
Retained Earnings $50.11M $223.0K
YoY Change 0.3% -99.55%
Common Stock $65.00K $65.00K
YoY Change 0.0% 0.0%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $75.80M $75.90M
YoY Change
Total Liabilities & Shareholders Equity $359.0M $346.2M
YoY Change 0.61% -4.08%

Cashflow Statement

Concept 2023 Q4 2023 Q3
OPERATING ACTIVITIES
Net Income -$210.0K $123.0K
YoY Change -161.58% -80.93%
Depreciation, Depletion And Amortization $58.00K $60.00K
YoY Change 0.0% -6.25%
Cash From Operating Activities -$500.0K $436.0K
YoY Change -399.4% -40.27%
INVESTING ACTIVITIES
Capital Expenditures $21.00K $0.00
YoY Change 0.0% -100.0%
Acquisitions
YoY Change
Other Investing Activities -$3.008M $1.920M
YoY Change 283.18% -119.88%
Cash From Investing Activities -$3.029M $1.919M
YoY Change 275.81% -119.79%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 13.14M -3.098M
YoY Change -390.08% -55.49%
NET CHANGE
Cash From Operating Activities -500.0K 436.0K
Cash From Investing Activities -3.029M 1.919M
Cash From Financing Activities 13.14M -3.098M
Net Change In Cash 9.606M -743.0K
YoY Change -285.91% -95.33%
FREE CASH FLOW
Cash From Operating Activities -$500.0K $436.0K
Capital Expenditures $21.00K $0.00
Free Cash Flow -$521.0K $436.0K
YoY Change -456.85% -36.81%

Facts In Submission

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NetChangeInDeferredLoanCostsAndFees
1000
CY2023Q3 cfsb Increase Decrease In Bank Owned Life Insurance
IncreaseDecreaseInBankOwnedLifeInsurance
66000
CY2022Q3 cfsb Increase Decrease In Bank Owned Life Insurance
IncreaseDecreaseInBankOwnedLifeInsurance
64000
CY2023Q3 us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
59000
CY2022Q3 us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
64000
CY2023Q3 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
0
CY2022Q3 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-60000
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
18000
CY2022Q3 us-gaap Employee Stock Ownership Plan Esop Compensation Expense
EmployeeStockOwnershipPlanESOPCompensationExpense
23000
CY2023Q3 us-gaap Employee Benefits And Share Based Compensation
EmployeeBenefitsAndShareBasedCompensation
90000
CY2022Q3 us-gaap Employee Benefits And Share Based Compensation
EmployeeBenefitsAndShareBasedCompensation
0
CY2023Q3 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
32000
CY2022Q3 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
41000
CY2023Q3 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-284000
CY2022Q3 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-46000
CY2023Q3 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
436000
CY2022Q3 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
730000
CY2023Q3 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
8000
CY2022Q3 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
14000
CY2023Q3 us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
3897000
CY2022Q3 us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
2700000
CY2023Q3 us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
3861000
CY2022Q3 us-gaap Payments To Acquire Held To Maturity Securities
PaymentsToAcquireHeldToMaturitySecurities
9718000
CY2023Q3 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
24000
CY2022Q3 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
0
CY2023Q3 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
-1899000
CY2022Q3 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
2652000
CY2023Q3 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
0
CY2022Q3 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
40000
CY2023Q3 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
1919000
CY2022Q3 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-9696000
CY2023Q3 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-2703000
CY2022Q3 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-7023000
CY2023Q3 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
-425000
CY2022Q3 us-gaap Proceeds From Repayments Of Short Term Debt
ProceedsFromRepaymentsOfShortTermDebt
0
CY2023Q3 cfsb Increase Decrease In Mortgagors Escrow Accounts
IncreaseDecreaseInMortgagorsEscrowAccounts
30000
CY2022Q3 cfsb Increase Decrease In Mortgagors Escrow Accounts
IncreaseDecreaseInMortgagorsEscrowAccounts
63000
CY2023Q3 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-3098000
CY2022Q3 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-6960000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-743000
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-15926000
CY2023Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
6861000
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
31667000
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
6118000
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
15741000
CY2023Q3 us-gaap Interest Paid Net
InterestPaidNet
913000
CY2022Q3 us-gaap Interest Paid Net
InterestPaidNet
242000
CY2023Q3 us-gaap Income Taxes Paid
IncomeTaxesPaid
65000
CY2022Q3 us-gaap Income Taxes Paid
IncomeTaxesPaid
435000
CY2023Q3 cfsb Adoption Of Asu201602
AdoptionOfAsu201602
0
CY2022Q3 cfsb Adoption Of Asu201602
AdoptionOfAsu201602
1044000
CY2023Q3 cfsb Adoption Of Asu201613
AdoptionOfAsu201613
223000
CY2022Q3 cfsb Adoption Of Asu201613
AdoptionOfAsu201613
0
CY2023Q3 us-gaap Use Of Estimates
UseOfEstimates
<p style="text-indent:6.667%;font-size:10pt;margin-top:12pt;font-family:Times New Roman;margin-bottom:12pt;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:italic;min-width:fit-content;">Use of estimates</span></p><p style="text-indent:6.667%;font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">In preparing consolidated financial statements in conformity with GAAP, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the unaudited consolidated balance sheet and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term are the allowance for credit losses and deferred income taxes.</span></p><p style="text-indent:6.667%;font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:12pt;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Management believes that the allowance for credit losses was adequate as of September 30, 2023 and June 30, 2023. While management uses current information and reasonable and supportable forecasts to recognize losses on loans, future additions to the allowance for credit losses may be necessary based on changes in economic conditions or other factors. In addition, the Office of the Comptroller of the Currency, as an integral part of its examination process, periodically reviews the Bank's allowance for credit losses, and as a result of such reviews, management may have to adjust the allowance for credit losses. However, regulatory agencies are not directly involved in establishing the allowance for credit losses as the process is management's responsibility and any increase or decrease in the allowance is the responsibility of management.</span></p><p style="text-indent:0;font-size:10pt;margin-top:0;font-family:Times New Roman;margin-bottom:0;text-align:left;"><span style="white-space:pre-wrap;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p><p style="text-indent:6.667%;font-size:10pt;margin-top:6pt;font-family:Times New Roman;margin-bottom:6pt;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Management believes that the deferred tax provision was adequate as of September 30, 2023 and June 30, 2023</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">. In accordance with Accounting Standards Codification (“ASC”) Topic 740 “Income Taxes,” management uses the asset and liability method of accounting for income taxes. Under this method, deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. If currently available information raises doubt as to the realization of the deferred tax assets, a valuation allowance is established. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Management exercises significant judgment in evaluating the amount and timing of recognition of the resulting tax assets and liabilities. These judgments require management to make projections of future taxable income. The judgments and estimates management makes in determining the deferred tax assets are inherently subjective and are reviewed on a regular basis as regulatory, economic or business factors change. Any reduction in estimated future taxable income may require management to record a valuation allowance against the deferred tax assets. A valuation allowance that results in additional income tax expense in the period in which it is recognized would negatively affect earnings. Management believes, based upon current facts, that it is more likely than not that there will be sufficient taxable income in future years to realize the federal and state portion of its deferred tax asset.</span><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:Times New Roman;min-width:fit-content;"> </span></p>
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis
12000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue
12000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis
70000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue
68000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis
58000
CY2023Q3 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p style="text-indent:6.667%;font-size:10pt;margin-top:12pt;font-family:Times New Roman;margin-bottom:12pt;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:italic;min-width:fit-content;">Reclassification</span></p><p style="text-indent:6.667%;font-size:10pt;margin-top:12pt;font-family:Times New Roman;margin-bottom:12pt;text-align:justify;"><span style="color:#000000;white-space:pre-wrap;font-weight:normal;font-size:10pt;font-family:Times New Roman;min-width:fit-content;">Certain amounts in the prior period financial statements have been reclassified to conform to the current period presentation.</span></p>
CY2023Q3 cfsb Number Common Stock Shares Sold
NumberCommonStockSharesSold
2804306
CY2023Q3 cfsb Stated Value Per Share For Stock Sold To The Public
StatedValuePerShareForStockSoldToThePublic
10
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
255648
CY2020Q1 cfsb Federal Reserve Requirement Ratio
FederalReserveRequirementRatio
0
CY2023Q3 us-gaap Federal Reserve Bank Stock
FederalReserveBankStock
0
CY2023Q2 us-gaap Federal Reserve Bank Stock
FederalReserveBankStock
0
CY2023Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
142000
CY2023Q3 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2023Q3 cfsb Available For Sale Securities Net Carrying Amount
AvailableForSaleSecuritiesNetCarryingAmount
142000
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
0
CY2023Q3 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
3000
CY2023Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
139000
CY2023Q3 us-gaap Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss
DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss
147770000
CY2023Q3 us-gaap Debt Securities Held To Maturity Derivative Cumulative Gain Loss
DebtSecuritiesHeldToMaturityDerivativeCumulativeGainLoss
233000
CY2023Q3 cfsb Securities Held To Maturity Net Carrying Amount
SecuritiesHeldToMaturityNetCarryingAmount
147537000
CY2023Q3 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
0
CY2023Q3 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
18811000
CY2023Q3 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
128726000
CY2023Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
151000
CY2023Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
0
CY2023Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
5000
CY2023Q2 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
146000
CY2023Q2 us-gaap Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss
DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss
147902000
CY2023Q2 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Gain
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingGain
3000
CY2023Q2 us-gaap Held To Maturity Securities Accumulated Unrecognized Holding Loss
HeldToMaturitySecuritiesAccumulatedUnrecognizedHoldingLoss
15632000
CY2023Q2 us-gaap Held To Maturity Securities Fair Value
HeldToMaturitySecuritiesFairValue
132273000
CY2023Q3 cfsb Securityownedandpledgedascollateralamortizedcost
Securityownedandpledgedascollateralamortizedcost
14010000
CY2023Q3 us-gaap Security Owned And Pledged As Collateral Associated Liabilities Fair Value
SecurityOwnedAndPledgedAsCollateralAssociatedLiabilitiesFairValue
11199000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis
2000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Fair Value
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue
2000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue
57000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Single Maturity Date Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis
142000
CY2023Q3 us-gaap Available For Sale Securities Debt Maturities Single Maturity Date
AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate
139000
CY2023Q3 us-gaap Heldtomaturity Securities Debt Maturities Next Rolling Twelve Months Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost
8361000
CY2023Q3 us-gaap Held To Maturity Securities Debt Maturities Next Rolling Twelve Months Fair Value
HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue
8261000
CY2023Q3 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Two Through Five Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost
36176000
CY2023Q3 us-gaap Held To Maturity Securities Debt Maturities Rolling Year Two Through Five Fair Value
HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue
33680000
CY2023Q3 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost
57316000
CY2023Q3 us-gaap Held To Maturity Securities Debt Maturities Rolling Year Six Through Ten Fair Value
HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue
49252000
CY2023Q3 us-gaap Heldtomaturity Securities Debt Maturities Rolling After Ten Years Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost
45917000
CY2023Q3 us-gaap Held To Maturity Securities Debt Maturities Rolling After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue
37766000
CY2023Q3 us-gaap Held To Maturity Securities Debt Maturities Single Maturity Date Amortized Cost Basis
HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis
147770000
CY2023Q3 us-gaap Held To Maturity Securities Debt Maturities Single Maturity Date Fair Value
HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue
128959000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCostBasis
4000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Next Rolling Twelve Months Fair Value
AvailableForSaleSecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue
4000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCostBasis
13000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Rolling Year Two Through Five Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue
13000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCostBasis
64000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Rolling Year Six Through Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue
62000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenAmortizedCostBasis
70000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Rolling After Year Ten Fair Value
AvailableForSaleSecuritiesDebtMaturitiesRollingAfterYearTenFairValue
67000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Single Maturity Date Amortized Cost Basis
AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis
151000
CY2023Q2 us-gaap Available For Sale Securities Debt Maturities Single Maturity Date
AvailableForSaleSecuritiesDebtMaturitiesSingleMaturityDate
146000
CY2023Q2 us-gaap Heldtomaturity Securities Debt Maturities Next Rolling Twelve Months Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsAmortizedCost
7793000
CY2023Q2 us-gaap Held To Maturity Securities Debt Maturities Next Rolling Twelve Months Fair Value
HeldToMaturitySecuritiesDebtMaturitiesNextRollingTwelveMonthsFairValue
7709000
CY2023Q2 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Two Through Five Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveAmortizedCost
36098000
CY2023Q2 us-gaap Held To Maturity Securities Debt Maturities Rolling Year Two Through Five Fair Value
HeldToMaturitySecuritiesDebtMaturitiesRollingYearTwoThroughFiveFairValue
34149000
CY2023Q2 us-gaap Heldtomaturity Securities Debt Maturities Rolling Year Six Through Ten Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenAmortizedCost
58927000
CY2023Q2 us-gaap Held To Maturity Securities Debt Maturities Rolling Year Six Through Ten Fair Value
HeldToMaturitySecuritiesDebtMaturitiesRollingYearSixThroughTenFairValue
52193000
CY2023Q2 us-gaap Heldtomaturity Securities Debt Maturities Rolling After Ten Years Amortized Cost
HeldtomaturitySecuritiesDebtMaturitiesRollingAfterTenYearsAmortizedCost
45084000
CY2023Q2 us-gaap Held To Maturity Securities Debt Maturities Rolling After Ten Years Fair Value
HeldToMaturitySecuritiesDebtMaturitiesRollingAfterTenYearsFairValue
38222000
CY2023Q2 us-gaap Held To Maturity Securities Debt Maturities Single Maturity Date Amortized Cost Basis
HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateAmortizedCostBasis
147902000
CY2023Q2 us-gaap Held To Maturity Securities Debt Maturities Single Maturity Date Fair Value
HeldToMaturitySecuritiesDebtMaturitiesSingleMaturityDateFairValue
132273000
CY2023Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2023Q2 us-gaap Debt Securities Held To Maturity Allowance For Credit Loss
DebtSecuritiesHeldToMaturityAllowanceForCreditLoss
0
CY2023Q3 cfsb Adjustment To Adoption Of Asu Twothousand Sixteen Thirteen
AdjustmentToAdoptionOfAsuTwothousandSixteenThirteen
276000
CY2023Q3 cfsb Adjusted Beginning Balance
AdjustedBeginningBalance
276000
CY2023Q3 us-gaap Provision For Other Credit Losses
ProvisionForOtherCreditLosses
-43000
CY2023Q3 us-gaap Debt Securities Held To Maturity Allowance For Credit Loss
DebtSecuritiesHeldToMaturityAllowanceForCreditLoss
233000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions
7
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions
7
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
1000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
26000
CY2023Q3 cfsb Depreciation From Amortized Cost Basis Less Than Twelve Months
DepreciationFromAmortizedCostBasisLessThanTwelveMonths
0.037
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
33
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
2000
CY2023Q3 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
110000
CY2023Q3 cfsb Depreciation From Amortized Cost Basis Over Twelve Months
DepreciationFromAmortizedCostBasisOverTwelveMonths
0.018
CY2023Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsNumberOfPositions
20
CY2023Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
2000
CY2023Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
71000
CY2023Q2 cfsb Depreciation From Amortized Cost Basis Less Than Twelve Months
DepreciationFromAmortizedCostBasisLessThanTwelveMonths
0.027
CY2023Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Number Of Positions
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerNumberOfPositions
20
CY2023Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
3000
CY2023Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
67000
CY2023Q2 cfsb Depreciation From Amortized Cost Basis Over Twelve Months
DepreciationFromAmortizedCostBasisOverTwelveMonths
0.043
CY2023Q3 cfsb Debtsecuritiesinunrealizedlosspositionsqualitativedisclosurenumberofpositions
Debtsecuritiesinunrealizedlosspositionsqualitativedisclosurenumberofpositions
280
CY2023Q3 cfsb Debtsecuritiesinunrealizedlosspositionspercentageofdepreciationapplicable
Debtsecuritiesinunrealizedlosspositionspercentageofdepreciationapplicable
0.1275
CY2023Q3 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
142000
CY2023Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
151000
CY2023Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2022Q3 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2023Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
176110000
CY2023Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
178009000
CY2023Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
1649000
CY2023Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
1747000
CY2023Q3 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
381000
CY2023Q2 us-gaap Loans And Leases Receivable Deferred Income
LoansAndLeasesReceivableDeferredIncome
351000
CY2023Q3 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
174080000
CY2023Q2 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
175911000
CY2023Q3 us-gaap Retained Earnings Accumulated Deficit
RetainedEarningsAccumulatedDeficit
223000
CY2023Q3 us-gaap Interest Receivable And Other Assets
InterestReceivableAndOtherAssets
511000
CY2023Q3 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
23000
CY2022Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
1747000
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
0
CY2022Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
0
CY2022Q3 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
0
CY2022Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
1747000
CY2023Q3 us-gaap Interest Receivable And Other Assets
InterestReceivableAndOtherAssets
511000
CY2023Q3 cfsb Change In Provision For Credit Losses Due To Economic Forecast
ChangeInProvisionForCreditLossesDueToEconomicForecast
110000
CY2023Q3 us-gaap Provision For Other Losses
ProvisionForOtherLosses
13000
CY2023Q3 cfsb Unfunded Commitments
UnfundedCommitments
977000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
0
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
1747000
CY2023Q2 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
1747000
CY2023Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
0
CY2023Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
178009000
CY2023Q2 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
178009000
CY2023Q3 us-gaap Loans And Leases Receivable Impaired Description
LoansAndLeasesReceivableImpairedDescription
Management performed a discounted cash flow calculation to determine the amount of impairment reserve required on each of the troubled debt restructurings.
CY2023Q3 us-gaap Loan Restructuring Trial Modifications Amount
LoanRestructuringTrialModificationsAmount
0
CY2023Q3 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2022Q3 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2023Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
0
CY2022Q3 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
0
CY2023Q3 us-gaap Financing Receivable Originated In Current Fiscal Year
FinancingReceivableOriginatedInCurrentFiscalYear
2481000
CY2023Q3 us-gaap Financing Receivable Originated In Fiscal Year Before Latest Fiscal Year
FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear
21243000
CY2023Q3 us-gaap Financing Receivable Originated Two Years Before Latest Fiscal Year
FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear
35581000
CY2023Q3 us-gaap Financing Receivable Originated Three Years Before Latest Fiscal Year
FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear
21317000
CY2023Q3 us-gaap Financing Receivable Originated Four Years Before Latest Fiscal Year
FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear
21627000
CY2023Q3 us-gaap Financing Receivable Originated Five Or More Years Before Latest Fiscal Year
FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear
70946000
CY2023Q3 us-gaap Financing Receivable Revolving
FinancingReceivableRevolving
2258000
CY2023Q3 us-gaap Financing Receivable Revolving Converted To Term Loan
FinancingReceivableRevolvingConvertedToTermLoan
657000
CY2023Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
176110000
CY2023Q2 cfsb Loans And Leases Receivables Gross Carrying Amount
LoansAndLeasesReceivablesGrossCarryingAmount
178009000
CY2023Q3 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
5116000
CY2023Q2 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
5116000
CY2023Q3 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
1762000
CY2023Q2 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
1703000
CY2023Q3 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
3354000
CY2023Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
3413000
CY2023Q3 us-gaap Depreciation And Amortization
DepreciationAndAmortization
59000
CY2022Q3 us-gaap Depreciation And Amortization
DepreciationAndAmortization
64000
CY2023Q2 cfsb Time Deposit Maturities Year Four And Five
TimeDepositMaturitiesYearFourAndFive
2185000
CY2023Q2 cfsb Time Deposits Weighted Average Interest Rate Maturities Year Four And Five
TimeDepositsWeightedAverageInterestRateMaturitiesYearFourAndFive
0.0249
CY2023Q3 cfsb Deposits Negotiable Order Of Withdrawal Now And Demand Deposit Accounts
DepositsNegotiableOrderOfWithdrawalNowAndDemandDepositAccounts
61820000
CY2023Q2 cfsb Deposits Negotiable Order Of Withdrawal Now And Demand Deposit Accounts
DepositsNegotiableOrderOfWithdrawalNowAndDemandDepositAccounts
61538000
CY2023Q3 cfsb Regular And Other Deposits
RegularAndOtherDeposits
60389000
CY2023Q2 cfsb Regular And Other Deposits
RegularAndOtherDeposits
64184000
CY2023Q3 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
24877000
CY2023Q2 us-gaap Deposits Money Market Deposits
DepositsMoneyMarketDeposits
26995000
CY2023Q3 cfsb Non Certificate Deposits
NonCertificateDeposits
147086000
CY2023Q2 cfsb Non Certificate Deposits
NonCertificateDeposits
152717000
CY2023Q3 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
22737000
CY2023Q2 us-gaap Time Deposits At Or Above Fdic Insurance Limit
TimeDepositsAtOrAboveFDICInsuranceLimit
24340000
CY2023Q3 cfsb Time Deposits Less Than Fdic Insurance Limit
TimeDepositsLessThanFdicInsuranceLimit
90850000
CY2023Q2 cfsb Time Deposits Less Than Fdic Insurance Limit
TimeDepositsLessThanFdicInsuranceLimit
86319000
CY2023Q3 us-gaap Time Deposits
TimeDeposits
113587000
CY2023Q2 us-gaap Time Deposits
TimeDeposits
110659000
CY2023Q3 us-gaap Deposits
Deposits
260673000
CY2023Q2 us-gaap Deposits
Deposits
263376000
CY2023Q3 cfsb Time Deposit Maturities Within Three Months
TimeDepositMaturitiesWithinThreeMonths
31975000
CY2023Q3 cfsb Time Deposits Weighted Average Interest Rate Maturities Within Three Months1
TimeDepositsWeightedAverageInterestRateMaturitiesWithinThreeMonths1
0.0288
CY2023Q2 cfsb Time Deposit Maturities Within Three Months
TimeDepositMaturitiesWithinThreeMonths
11171000
CY2023Q2 cfsb Time Deposits Weighted Average Interest Rate Maturities Within Three Months1
TimeDepositsWeightedAverageInterestRateMaturitiesWithinThreeMonths1
0.0111
CY2023Q3 cfsb Time Deposit Maturities Over Three Months To One Year
TimeDepositMaturitiesOverThreeMonthsToOneYear
71540000
CY2023Q3 cfsb Time Deposits Weighted Average Interest Rate Maturities Over Three Months To One Year1
TimeDepositsWeightedAverageInterestRateMaturitiesOverThreeMonthsToOneYear1
0.0359
CY2023Q2 cfsb Time Deposit Maturities Over Three Months To One Year
TimeDepositMaturitiesOverThreeMonthsToOneYear
83590000
CY2023Q2 cfsb Time Deposits Weighted Average Interest Rate Maturities Over Three Months To One Year1
TimeDepositsWeightedAverageInterestRateMaturitiesOverThreeMonthsToOneYear1
0.0323
CY2023Q3 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
6483000
CY2023Q3 us-gaap Time Deposits Weighted Average Interest Rate Maturities Year Two
TimeDepositsWeightedAverageInterestRateMaturitiesYearTwo
0.0154
CY2023Q2 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
11813000
CY2023Q2 us-gaap Time Deposits Weighted Average Interest Rate Maturities Year Two
TimeDepositsWeightedAverageInterestRateMaturitiesYearTwo
0.0233
CY2023Q3 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
1389000
CY2023Q3 us-gaap Time Deposits Weighted Average Interest Rate Maturities Year Three
TimeDepositsWeightedAverageInterestRateMaturitiesYearThree
0.0062
CY2023Q2 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
1900000
CY2023Q2 us-gaap Time Deposits Weighted Average Interest Rate Maturities Year Three
TimeDepositsWeightedAverageInterestRateMaturitiesYearThree
0.0061
CY2023Q3 cfsb Time Deposit Maturities Year Four And Five
TimeDepositMaturitiesYearFourAndFive
2200000
CY2023Q3 cfsb Time Deposits Weighted Average Interest Rate Maturities Year Four And Five
TimeDepositsWeightedAverageInterestRateMaturitiesYearFourAndFive
0.025
CY2023Q3 us-gaap Time Deposits
TimeDeposits
113587000
CY2023Q3 cfsb Time Deposits Weighted Average Interest Rate
TimeDepositsWeightedAverageInterestRate
0.0322
CY2023Q2 us-gaap Time Deposits
TimeDeposits
110659000
CY2023Q2 cfsb Time Deposits Weighted Average Interest Rate
TimeDepositsWeightedAverageInterestRate
0.0286
CY2023Q3 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
3300000
CY2023Q3 us-gaap Debt Weighted Average Interest Rate
DebtWeightedAverageInterestRate
0.0552
CY2023Q2 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate
3700000
CY2023Q2 us-gaap Debt Weighted Average Interest Rate
DebtWeightedAverageInterestRate
0.0525
CY2023Q3 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Description Of Collateral Pledged
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresDescriptionOfCollateralPledged
All borrowings from the FHLB are secured by a blanket lien on qualified collateral, defined principally as first mortgage loans on owner-occupied one- to four-family residential property.
CY2023Q3 us-gaap Federal Reserve Bank Stock
FederalReserveBankStock
0
CY2023Q2 us-gaap Federal Reserve Bank Stock
FederalReserveBankStock
0
CY2023Q3 us-gaap Banking Regulation Capital Conservation Buffer Capital Conserved Minimum
BankingRegulationCapitalConservationBufferCapitalConservedMinimum
0.25
CY2023Q3 us-gaap Capital
Capital
65372000
CY2023Q3 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.333
CY2023Q3 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
15715000
CY2023Q3 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.08
CY2023Q3 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
19643000
CY2023Q3 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.10
CY2023Q3 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
63481000
CY2023Q3 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
0.323
CY2023Q3 us-gaap Common Equity Tier One Capital Required For Capital Adequacy
CommonEquityTierOneCapitalRequiredForCapitalAdequacy
8839000
CY2023Q3 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Capital Adequacy Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
0.045
CY2023Q3 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
12768000
CY2023Q3 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Well Capitalized Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum
0.065
CY2023Q3 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
63481000
CY2023Q3 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.323
CY2023Q3 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
11786000
CY2023Q3 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.06
CY2023Q3 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
15715000
CY2023Q3 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.08
CY2023Q3 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
63481000
CY2023Q3 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.183
CY2023Q3 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
13840000
CY2023Q3 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.04
CY2023Q3 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
17300000
CY2023Q3 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.05
CY2023Q2 us-gaap Capital
Capital
65141000
CY2023Q2 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.329
CY2023Q2 us-gaap Capital Required For Capital Adequacy
CapitalRequiredForCapitalAdequacy
15850000
CY2023Q2 us-gaap Capital Required For Capital Adequacy To Risk Weighted Assets
CapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.08
CY2023Q2 us-gaap Capital Required To Be Well Capitalized
CapitalRequiredToBeWellCapitalized
19813000
CY2023Q2 us-gaap Capital Required To Be Well Capitalized To Risk Weighted Assets
CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.10
CY2023Q2 us-gaap Common Equity Tier One Capital
CommonEquityTierOneCapital
63394000
CY2023Q2 us-gaap Common Equity Tier One Capital Ratio
CommonEquityTierOneCapitalRatio
0.32
CY2023Q2 us-gaap Common Equity Tier One Capital Required For Capital Adequacy
CommonEquityTierOneCapitalRequiredForCapitalAdequacy
8916000
CY2023Q2 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Capital Adequacy Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioCapitalAdequacyMinimum
0.045
CY2023Q2 us-gaap Common Equity Tier One Capital Required To Be Well Capitalized
CommonEquityTierOneCapitalRequiredToBeWellCapitalized
12878000
CY2023Q2 us-gaap Banking Regulation Common Equity Tier One Risk Based Capital Ratio Well Capitalized Minimum
BankingRegulationCommonEquityTierOneRiskBasedCapitalRatioWellCapitalizedMinimum
0.065
CY2023Q2 us-gaap Tier One Risk Based Capital
TierOneRiskBasedCapital
63394000
CY2023Q2 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.32
CY2023Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy
TierOneRiskBasedCapitalRequiredForCapitalAdequacy
11888000
CY2023Q2 us-gaap Tier One Risk Based Capital Required For Capital Adequacy To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets
0.06
CY2023Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized
TierOneRiskBasedCapitalRequiredToBeWellCapitalized
15850000
CY2023Q2 us-gaap Tier One Risk Based Capital Required To Be Well Capitalized To Risk Weighted Assets
TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets
0.08
CY2023Q2 us-gaap Tier One Leverage Capital
TierOneLeverageCapital
63394000
CY2023Q2 us-gaap Tier One Leverage Capital To Average Assets
TierOneLeverageCapitalToAverageAssets
0.182
CY2023Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy
TierOneLeverageCapitalRequiredForCapitalAdequacy
13950000
CY2023Q2 us-gaap Tier One Leverage Capital Required For Capital Adequacy To Average Assets
TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets
0.04
CY2023Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized
TierOneLeverageCapitalRequiredToBeWellCapitalized
17438000
CY2023Q2 us-gaap Tier One Leverage Capital Required To Be Well Capitalized To Average Assets
TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets
0.05
CY2023Q3 us-gaap Concentration Risk Credit Risk Financial Instruments Off Balance Sheet Risk
ConcentrationRiskCreditRiskFinancialInstrumentsOffBalanceSheetRisk
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for construction loans and lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements.
CY2023Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P8Y7M17D
CY2023Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0356
CY2023Q2 us-gaap Investment In Federal Home Loan Bank Stock Fair Value Disclosure
InvestmentInFederalHomeLoanBankStockFairValueDisclosure
381000
CY2023Q2 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
157856000
CY2023Q2 us-gaap Interest Receivable
InterestReceivable
1363000
CY2023Q2 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
249208000
CY2023Q2 us-gaap Shortterm Debt Fair Value
ShorttermDebtFairValue
3667000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due Current
OperatingLeasesFutureMinimumPaymentsDueCurrent
89000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due In Two Years
OperatingLeasesFutureMinimumPaymentsDueInTwoYears
117000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due In Three Years
OperatingLeasesFutureMinimumPaymentsDueInThreeYears
117000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due In Four Years
OperatingLeasesFutureMinimumPaymentsDueInFourYears
119000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due In Five Years
OperatingLeasesFutureMinimumPaymentsDueInFiveYears
134000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due Thereafter
OperatingLeasesFutureMinimumPaymentsDueThereafter
521000
CY2023Q3 us-gaap Operating Leases Future Minimum Payments Due
OperatingLeasesFutureMinimumPaymentsDue
1097000
CY2023Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
156000
CY2023Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
941000
CY2023Q3 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
34000
CY2022Q3 us-gaap Lease And Rental Expense
LeaseAndRentalExpense
34000
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Number Of Committed To Be Released Shares
EmployeeStockOwnershipPlanESOPNumberOfCommittedToBeReleasedShares
255648
CY2023Q3 us-gaap Debt Instrument Term
DebtInstrumentTerm
P25Y
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Debt Structure Direct Loan Amount
EmployeeStockOwnershipPlanESOPDebtStructureDirectLoanAmount
2500000
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Number Of Allocated Shares
EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares
17894
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Number Of Suspense Shares
EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares
237754
CY2023Q3 us-gaap Employee Stock Ownership Plan Esop Shares In Esop
EmployeeStockOwnershipPlanESOPSharesInESOP
255648
CY2023Q3 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
6118000
CY2023Q3 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
139000
CY2023Q3 cfsb Securities Held To Maturity
SecuritiesHeldToMaturity
128726000
CY2023Q3 us-gaap Investment In Federal Home Loan Bank Stock Fair Value Disclosure
InvestmentInFederalHomeLoanBankStockFairValueDisclosure
405000
CY2023Q3 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
152877000
CY2023Q3 us-gaap Interest Receivable
InterestReceivable
1395000
CY2023Q3 us-gaap Deposits Fair Value Disclosure
DepositsFairValueDisclosure
237793000
CY2023Q3 us-gaap Shortterm Debt Fair Value
ShorttermDebtFairValue
3243000
CY2023Q2 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
6861000
CY2023Q2 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
146000
CY2023Q2 cfsb Securities Held To Maturity
SecuritiesHeldToMaturity
132273000
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
273000
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
8.33
CY2023Q3 cfsb Sharebasedcompensationarrangementbysharebasedpaymentawardoptionsgrantedweightedaverageremainingcontractualterm1
Sharebasedcompensationarrangementbysharebasedpaymentawardoptionsgrantedweightedaverageremainingcontractualterm1
P9Y5M12D
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0
CY2023Q3 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
0
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
273000
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
8.33
CY2023Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P9Y5M12D
CY2023Q3 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
769000
CY2023Q3 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P4Y5M12D
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
111000
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
8.35
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber
111000
CY2023Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue
8.35
CY2023Q3 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized
824000
CY2023Q3 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P4Y5M12D

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