Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
ASSETS:
Cash and due from banks	$ 12,523	$ 13,043
Interest-bearing deposits in other financial institutions	89,139	154,701
Total cash and cash equivalents	101,662	167,744
Trading securities	13,003	13,884
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at March 31, 2025 and December 31, 2024)	1,246,473	1,100,817
Debt securities held-to-maturity, at amortized cost (estimated fair value of $8,497 at March 31, 2025, and $8,762 at December 31, 2024, with no allowance for credit losses at March 31, 2025 and December 31, 2024)	8,883	9,303
Equity securities	10,855	14,261
Loans held-for-sale	4,897	4,897
Loans held-for-investment	3,991,529	4,022,224
Less: allowance for credit losses	(34,921)	(35,183)
Net loans held-for-investment	3,956,608	3,987,041
Accrued interest receivable	19,648	19,078
Bank-owned life insurance	177,398	175,759
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	38,350	35,894
Operating lease right-of-use assets	27,345	27,771
Premises and equipment, net	21,431	21,985
Goodwill	41,012	41,012
Other assets	42,435	46,932
Total assets	5,710,000	5,666,378
LIABILITIES:
Deposits	4,131,956	4,138,477
FHLB advances and other borrowings	709,159	666,402
Subordinated debentures, net of issuance costs	61,498	61,442
Operating lease liabilities	31,630	32,209
Advance payments by borrowers for taxes and insurance	29,270	24,057
Accrued expenses and other liabilities	35,338	39,095
Total liabilities	4,998,851	4,961,682
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 March 31, 2025 and December 31, 2024, 42,904,342 and 44,524,929 outstanding at March 31, 2025 and December 31, 2024, respectively	648	648
Additional paid-in-capital	589,477	591,336
Unallocated common stock held by employee stock ownership plan	(12,828)	(13,042)
Retained earnings	443,249	440,760
Accumulated other comprehensive loss	(12,168)	(20,296)
Treasury stock at cost: 22,094,601 and 21,867,277 shares at March 31, 2025 and December 31, 2024, respectively	(297,229)	(294,710)
Total stockholders’ equity	711,149	704,696
Total liabilities and stockholders’ equity	$ 5,710,000	$ 5,666,378