Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 13,043	$ 13,889
Interest-bearing deposits in other financial institutions	154,701	215,617
Total cash and cash equivalents	167,744	229,506
Trading securities	13,884	12,549
Debt securities available-for-sale, at estimated fair value (and no allowance for credit losses at December 31, 2024 and December 31, 2023)	1,100,817	795,464
Debt securities held-to-maturity, at amortized cost (estimated fair value of $8,762 at December 31, 2024, and $9,586 at December 31, 2023)	9,303	9,866
Equity securities	14,261	10,629
Loans held-for-sale	4,897	0
Loans held-for-investment, net	4,022,224	4,203,654
Allowance for credit losses	(35,183)	(37,535)
Net loans held-for-investment	3,987,041	4,166,119
Accrued interest receivable	19,078	18,491
Bank-owned life insurance	175,759	171,543
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	35,894	39,667
Operating lease right-of-use assets	27,771	30,202
Premises and equipment, net	21,985	24,771
Goodwill	41,012	41,012
Other assets	46,932	48,577
Total assets	5,666,378	5,598,396
LIABILITIES:
Deposits	4,138,477	3,878,435
Securities sold under agreements to repurchase	0	25,000
FHLB advances and other borrowings	666,402	834,272
Subordinated debentures, net of issuance costs	61,442	61,219
Operating lease liabilities	32,209	35,205
Advance payments by borrowers for taxes and insurance	24,057	25,102
Accrued expenses and other liabilities	39,095	39,718
Total liabilities	4,961,682	4,898,951
STOCKHOLDERS’ EQUITY:
Preferred stock, $0.01 par value; 25,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value; 150,000,000 shares authorized, 64,770,875 shares issued at December 31, 2024 and 2023, respectively, 42,903,598 and 44,524,929 shares outstanding at December 31, 2024 and 2023, respectively	648	648
Additional paid-in-capital	591,336	590,973
Unallocated common stock held by employee stock ownership plan	(13,042)	(14,340)
Retained earnings	440,760	433,227
Accumulated other comprehensive loss	(20,296)	(32,442)
Treasury stock at cost; 21,867,277 and 20,245,946 shares at December 31, 2024 and 2023, respectively	(294,710)	(278,621)
Total stockholders’ equity	704,696	699,445
Total liabilities and stockholders’ equity	$ 5,666,378	$ 5,598,396