CONSOLIDATED STATEMENTS OF CASH FLOWS $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Cash Flows from Operating Activities:
Net income	$ 16,580	$ 7,696
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization (accretion) of securities premiums and discounts, net	18	(2)
Provision for loan losses		3,610
Depreciation	892	837
Net amortization of deferred loan fees and costs	377	29
Deferred income tax benefit	(1,235)	(347)
Unrealized loss recognized on equity securities	1,636	215
Impairment of real estate owned	189
Earnings on bank owned life insurance	(450)	(447)
Gain on dispositions of premises and equipment	(98)	(7)
ESOP compensation expense	775	694
Increase in accrued interest receivable	(2,352)	(196)
Decrease in other assets	417	488
Decrease in accounts payable - loan closing	(2,520)	(69)
Increase in accounts payable and accrued expenses	218	149
Net Cash Provided by Operating Activities	14,447	12,650
Cash Flows from Investing Activities:
Net increase in loans	(149,344)	(91,604)
Proceeds from sale of loans	4,553	3,148
Principal repayments on securities held-to-maturity	1,168	4,274
Purchase of marketable equity securities		(5,000)
Purchase of securities held-to-maturity	(10,038)	(10,312)
Net redemptions of restricted stock	331	26
Purchases of premises and equipment	(3,236)	(5,699)
Net Cash Used in Investing Activities	(156,566)	(105,167)
Cash Flows from Financing Activities:
Net increase in deposits	60,460	45,129
Repayment of FHLB of NY advances	(7,000)
Loan to ESOP		(7,828)
Issuance of common stock funded by stock subscriptions		95,390
Stock repurchases	(3,195)
Increase (decrease) in advance payments by borrowers for taxes and insurance	413	(74)
Cash dividends paid	(5,896)	(1,278)
Net Cash Provided by Financing Activities	44,782	131,339
Net (Decrease) Increase in Cash and Cash Equivalents	(97,337)	38,822
Cash and Cash Equivalents - Beginning	152,269	69,191
Cash and Cash Equivalents - Ending	54,932	108,013
Supplementary Cash Flows Information:
Income taxes paid	5,485	3,296
Interest paid	4,491	$ 3,869
Supplementary Disclosure of Non-Cash Investing and Financing Activities:
Dividends declared and not paid	$ 968