Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and cash equivalents	$ 44,806	$ 47,063
Investment securities available for sale, at fair value	8,628	2,560
Investment securities held to maturity, at amortized cost (fair value of $371,305 and $364,922 at December 31, 2019 and December 31, 2018, respectively)	363,883	371,517
Loans held for sale	470	309
Loans receivable, net	1,584,784	1,574,714
Federal Home Loan Bank stock, at cost	8,723	8,093
Federal Reserve Bank stock, at cost	3,128	3,114
Accrued interest receivable	5,409	5,274
Premises and equipment, net	4,370	4,823
Right-of-use asset, net	11,580
Bank-owned life insurance	45,113	45,066
Deferred income tax assets, net	2,619	4,136
Prepaid expenses and other assets	2,800	2,537
Total assets	2,086,313	2,069,206
Liabilities:
Deposits	1,631,933	1,629,164
Advances from the Federal Home Loan Bank	156,000	142,200
Securities sold under agreements to repurchase	10,000	30,000
Accounts payable and accrued expenses	23,038	23,346
Lease liability	12,183
Income taxes payable	2,305	2,407
Advance payments by borrowers for taxes and insurance	6,964	7,010
Total liabilities	1,842,423	1,834,127
Stockholders' Equity:
Preferred stock, $0.01 par value; authorized 50,000,000 shares, no shares issued or outstanding
Common stock, $0.01 par value; authorized 100,000,000 shares; issued and outstanding 9,681,493 and 9,645,955 shares at December 31, 2019 and December 31, 2018, respectively	97	97
Additional paid-in capital	65,057	65,090
Unearned ESOP shares	(4,404)	(4,893)
Retained earnings	190,808	182,594
Accumulated other comprehensive loss	(7,668)	(7,809)
Total stockholders' equity	243,890	235,079
Total liabilities and stockholders' equity	$ 2,086,313	$ 2,069,206