Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 126,659	$ 40,553
Investment securities available for sale, at fair value	20,171	20,821
Investment securities held to maturity, at amortized cost (fair value of $568,128 and $591,084 at December 31, 2023 and December 31, 2022, respectively)	685,728	717,773
Loans receivable	1,308,552	1,296,796
Loans receivable		1,296,796
Allowance for credit/loan losses	(5,121)	(2,032)
Allowance for credit/loan losses		(2,032)
Loans receivable, net of allowance for credit/loan losses	1,303,431
Loans receivable, net of allowance for credit/loan losses		1,294,764
Federal Home Loan Bank stock, at cost	12,192	8,197
Federal Reserve Bank stock, at cost	3,180	3,170
Accrued interest receivable	6,105	6,115
Premises and equipment, net	7,185	7,599
Right-of-use asset, net	12,371	14,498
Bank-owned life insurance	48,638	47,783
Income taxes receivable	344
Deferred income tax assets, net	2,457	1,643
Prepaid expenses and other assets	8,211	6,676
Total assets	2,236,672	2,169,592
Liabilities:
Deposits	1,636,604	1,716,152
Advances from the Federal Home Loan Bank	242,000	141,000
Advances from the Federal Reserve Bank	50,000
Securities sold under agreements to repurchase	10,000	10,000
Accounts payable and accrued expenses	23,334	24,180
Lease liability	17,297	15,295
Income taxes payable		838
Advance payments by borrowers for taxes and insurance	6,351	5,577
Total liabilities	1,985,586	1,913,042
Stockholders' Equity:
Common stock, $0.01 par value; authorized 100,000,000 shares; issued and outstanding 8,826,613 and 9,071,076 shares at December 31, 2023 and December 31, 2022, respectively	88	91
Additional paid-in capital	48,022	51,825
Unearned ESOP shares	(2,447)	(2,936)
Retained earnings	211,644	215,314
Accumulated other comprehensive loss	(6,221)	(7,744)
Total stockholders' equity	251,086	256,550
Total liabilities and stockholders' equity	$ 2,236,672	$ 2,169,592