Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and due from banks	$ 20,182	$ 10,082
Interest bearing deposits with banks	422,540	181,525
Cash and cash equivalents	442,722	191,607
Investment securities available for sale, at fair value	22,102	26,613
Investment securities held to maturity (fair value of $1,526 at September 30, 2020 and $1,430 at December 31, 2019)	1,209	1,167
Total investment securities	23,311	27,780
Loans held for sale	198	190
Loans, net of unearned income	1,574,611	1,420,749
Less: Allowance for loan losses	(27,588)	(21,811)
Net loans	1,547,023	1,398,938
Accrued interest receivable	10,304	6,069
Premises and equipment, net	6,815	6,946
Other real estate owned ("OREO")	567	4,727
Restricted stock	7,542	7,440
Bank owned life insurance (BOLI)	26,853	26,410
Deferred tax asset	6,140	6,285
Other	4,824	4,768
Total Assets	2,076,299	1,681,160
Deposits
Noninterest-bearing deposits	421,837	259,269
Interest-bearing deposits	1,174,664	1,079,950
Total deposits	1,596,501	1,339,219
FHLBNY borrowings	134,650	134,650
Federal Reserve Bank ("FRB") advances	93,801	0
Subordinated debentures	42,495	13,403
Accrued interest payable	2,079	2,260
Other	12,362	12,204
Total liabilities	1,881,888	1,501,736
Equity
Preferred stock, 1,000,000 shares authorized, $1,000 liquidation value Series B non-cumulative convertible; 480 and 500 shares outstanding at September 30, 2020 and December 31, 2019, respectively	480	500
Common stock, $0.10 par value; authorized 15,000,000 shares; Issued: 12,136,391 shares and 12,132,855 shares at September 30, 2020 and Dec. 31, 2019, respectively	1,214	1,213
Additional paid-in capital	134,919	134,706
Retained earnings	58,726	44,143
Accumulated other comprehensive income	503	58
Treasury stock, 284,522 shares at September 30, 2020 and Dec. 31, 2019, at cost	(3,015)	(3,015)
Total shareholders’ equity	192,827	177,605
Noncontrolling interest in consolidated subsidiaries	1,584	1,819
Total equity	194,411	179,424
Total liabilities and equity	$ 2,076,299	$ 1,681,160