CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash Flows from Operating Activities:
Net income	$ 20,114	$ 20,289
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	428	319
Provision for (recovery of) credit losses	546	(1,600)
Increase in value of bank owned life insurance	(489)	(443)
Gain on sale of SBA loans	(23)	0
SBA loans originated for sale	(300)	0
Proceeds from sale of SBA loans originated for sale	323	0
Net gain on sale of OREO and valuation adjustments	0	(38)
Net accretion of purchase premiums and discounts on securities	(33)	(28)
Stock based compensation	215	313
Net changes in:
Decrease (increase) in accrued interest receivable and other assets	2,659	(5,738)
Increase in accrued interest payable and other accrued liabilities	3,203	910
Net cash provided by operating activities	26,643	13,984
Cash Flows from Investing Activities:
Repayments and maturities of investment securities available for sale	1,223	1,919
Repayments and maturities of investment securities held to maturity	112	105
Net increase in loans	(52,583)	(48,671)
(Purchases) sales of bank premises and equipment	(72)
(Purchases) sales of bank premises and equipment		116
Proceeds from sale of OREO, net	0	161
Redemptions of restricted stock	7,213	6,480
Purchases of restricted stock	(8,196)	(8,066)
Net cash used in investing activities	(52,303)	(47,956)
Cash Flows from Financing Activities:
Cash dividends	(6,466)	(6,471)
Treasury stock purchase	(2,024)	0
Proceeds from exercise of stock options	168	33
Conversion of Series B preferred stock	(1)	0
(Decrease) increase in FHLBNY long-term borrowings	(75,000)	20,000
Net increase in FHLBNY short-term borrowings	95,000	8,000
Net decrease in noninterest-bearing deposits	(33,690)	(121,430)
Net increase in interest-bearing deposits	39,746	78,430
Net cash provided by (used in) financing activities	17,733	(21,438)
Net decrease in cash and cash equivalents	(7,927)	(55,410)
Cash and Cash Equivalents, January 1,	180,376	182,150
Cash and Cash Equivalents, September 30,	172,449	126,740
Supplemental Disclosure of Cash Flow Information:
Interest paid	45,732	32,528
Income taxes paid	3,521	13,293
Non-cash Investing and Financing Items
Loans transferred to OREO	0	123
Accrued dividends payable	$ 2,147	$ 2,157