Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
Assets
Cash and due from banks	$ 6,370	$ 4,624
Interest bearing deposits with banks	152,943	216,903
Cash and cash equivalents	159,313	221,527
Investment securities available for sale, at fair value	5,066	5,551
Investment securities held to maturity, net of allowance for credit losses of $0 at September 30, 2025 and December 31, 2024 (fair value of $7,405 at September 30, 2025 and $7,492 at December 31, 2024)	8,793	9,209
Total investment securities	13,859	14,760
Loans, net of unearned income	1,960,153	1,868,153
Less: Allowance for credit losses	(33,904)	(32,573)
Net loans	1,926,249	1,835,580
Accrued interest receivable	10,677	9,659
Premises and equipment, net	5,573	5,316
Restricted stock	5,366	8,619
Bank owned life insurance (BOLI)	32,947	29,070
Deferred tax asset	9,074	9,113
Other real estate owned (OREO)	1,562	1,562
Other	7,514	7,030
Total assets	2,172,134	2,142,236
Deposits
Noninterest-bearing deposits	184,771	184,037
Interest-bearing deposits	1,567,810	1,447,013
Total deposits	1,752,581	1,631,050
FHLBNY borrowings	70,000	145,000
Subordinated debentures	13,403	43,300
Accrued interest payable	5,189	7,968
Other	16,124	14,845
Total liabilities	1,857,297	1,842,163
Shareholders' Equity
Preferred stock, 1,000,000 shares authorized, $1,000 liquidation value Series B non-cumulative convertible; 325 shares outstanding at September 30, 2025 and December 31, 2024	325	325
Common stock, $0.10 par value; authorized 15,000,000 shares; Issued: 12,372,075 shares and 12,313,489 shares at September 30, 2025 and December 31, 2024, respectively	1,237	1,231
Additional paid-in capital	138,607	137,784
Retained earnings	188,684	168,347
Accumulated other comprehensive loss	(227)	(337)
Treasury stock, 784,522 shares and 484,522 shares at September 30, 2025 and December 31, 2024, respectively, at cost	(13,789)	(7,277)
Total shareholders’ equity	314,837	300,073
Total liabilities and shareholders' equity	$ 2,172,134	$ 2,142,236