Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 90,059	$ 126,659
Investment securities available for sale, at fair value	19,483	20,171
Investment securities held to maturity, at amortized cost (fair value of $547,290 and $568,128 at March 31, 2024 and December 31, 2023, respectively)	677,578	685,728
Loans receivable	1,309,712	1,308,552
Allowance for credit losses	(5,142)	(5,121)
Loans receivable, net of allowance for credit losses	1,304,570	1,303,431
Federal Home Loan Bank stock, at cost	12,232	12,192
Federal Reserve Bank stock, at cost	3,182	3,180
Accrued interest receivable	6,281	6,105
Premises and equipment, net	7,144	7,185
Right-of-use asset, net	12,080	12,371
Bank-owned life insurance	48,884	48,638
Income taxes receivable	604	344
Deferred income tax assets, net	2,820	2,457
Prepaid expenses and other assets	8,112	8,211
Total assets	2,193,029	2,236,672
Liabilities:
Deposits	1,600,148	1,636,604
Advances from the Federal Home Loan Bank	242,000	242,000
Advances from the Federal Reserve Bank	50,000	50,000
Securities sold under agreements to repurchase	10,000	10,000
Accounts payable and accrued expenses	20,113	23,334
Lease liability	17,597	17,297
Advance payments by borrowers for taxes and insurance	3,155	6,351
Total liabilities	1,943,013	1,985,586
Stockholders' Equity:
Common stock, $0.01 par value; authorized 100,000,000 shares; issued and outstanding 8,826,613 shares at March 31, 2024 and December 31, 2023, respectively	88	88
Additional paid-in capital	48,098	48,022
Unearned ESOP shares	(2,324)	(2,447)
Retained earnings	210,771	211,644
Accumulated other comprehensive loss	(6,617)	(6,221)
Total stockholders' equity	250,016	251,086
Total liabilities and stockholders' equity	$ 2,193,029	$ 2,236,672