Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2025	Dec. 31, 2024
ASSETS:
Cash and due from banks	$ 11,985	$ 13,043
Interest-bearing deposits in other financial institutions	85,652	154,701
Total cash and cash equivalents	97,637	167,744
Trading securities	14,052	13,884
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at June 30, 2025 and December 31, 2024)	1,300,975	1,100,817
Debt securities held-to-maturity, at amortized cost (estimated fair value of $8,497 at June 30, 2025, and $8,762 at December 31, 2024, with no allowance for credit losses at June 30, 2025 and December 31, 2024)	8,454	9,303
Equity securities	6,278	14,261
Loans held-for-sale	0	4,897
Loans held-for-investment	3,920,613	4,022,224
Less: allowance for credit losses	(36,120)	(35,183)
Net loans held-for-investment	3,884,493	3,987,041
Accrued interest receivable	19,241	19,078
Bank-owned life insurance	179,134	175,759
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	43,664	35,894
Operating lease right-of-use assets	26,157	27,771
Premises and equipment, net	20,842	21,985
Goodwill	41,012	41,012
Other assets	37,352	46,932
Total assets	5,679,291	5,666,378
LIABILITIES:
Deposits	3,986,187	4,138,477
FHLB advances and other borrowings	831,920	666,402
Subordinated debentures, net of issuance costs	61,554	61,442
Operating lease liabilities	30,286	32,209
Advance payments by borrowers for taxes and insurance	25,287	24,057
Accrued expenses and other liabilities	33,783	39,095
Total liabilities	4,969,017	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 June 30, 2025 and December 31, 2024, 41,819,988 and 42,903,598 outstanding at June 30, 2025 and December 31, 2024, respectively	648	648
Additional paid-in-capital	590,264	591,336
Unallocated common stock held by employee stock ownership plan	(12,612)	(13,042)
Retained earnings	447,524	440,760
Accumulated other comprehensive loss	(8,391)	(20,296)
Treasury stock at cost: 22,950,887 and 21,867,277 shares at June 30, 2025 and December 31, 2024, respectively	(307,159)	(294,710)
Total stockholders’ equity	710,274	704,696
Total liabilities and stockholders’ equity	$ 5,679,291	$ 5,666,378