Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 76,109	$ 46,025
Securities available-for-sale, at fair value	290,806	283,766
Securities held-to-maturity, net (fair value of $29,257 at September 30, 2024 and $28,323 at December 31, 2023, and allowance for credit losses of $122 at September 30, 2024 and $158 at December 31, 2023)	33,119	33,254
FHLB stock and other investments	18,203	20,346
Loans receivable, net of allowance for credit losses of $13,012 at September 30, 2024 and $14,154 at December 31, 2023	1,537,971	1,546,576
Real estate owned, net	0	593
Interest and dividends receivable	8,386	7,595
Premises and equipment, net	30,161	32,475
Right-of-use assets	24,190	25,172
Bank owned life insurance	22,399	22,034
Other assets	13,749	27,127
Total assets	2,055,093	2,044,963
Liabilities
Deposits	1,318,670	1,244,904
Advances from the Federal Home Loan Bank	348,500	397,500
Advances by borrowers for taxes and insurance	9,909	8,929
Lease liabilities	25,870	26,777
Other liabilities	12,845	11,213
Total liabilities	1,715,794	1,689,323
Shareholders’ equity
Preferred stock, $0.01 par value, 10,000,000 authorized: none issued	0	0
Common stock $0.01 par value; 70,000,000 shares authorized; 28,522,500 shares issued at September 30, 2024 and December 31, 2023; 22,990,908 and 24,509,950 shares outstanding at September 30, 2024 and December 31, 2023, respectively	285	285
Additional paid-in capital	276,621	273,991
Retained earnings	155,116	164,340
Treasury stock, at cost: 5,531,592 and 4,012,550 shares at September 30, 2024 and December 31, 2023, respectively	(54,696)	(40,016)
Unallocated common shares held by Employee Stock Ownership Plan	(19,395)	(20,080)
Accumulated other comprehensive loss	(18,632)	(22,880)
Total shareholders’ equity	339,299	355,640
Total liabilities and shareholders’ equity	$ 2,055,093	$ 2,044,963