Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Cash and due from banks:
Cash	$ 29,972	$ 28,930
Interest-bearing deposits	104,752	110,260
Total cash and cash equivalents	134,724	139,190
Available-for-sale securities, at fair value (Note 3)	116,044	119,902
Held-to-maturity securities, net of allowance for credit losses of $473 at March 31, 2024 and $398 at December 31, 2023; at amortized cost (fair value 2024 $438,113; 2023 $450,042) (Note 3)	452,955	461,748
Placements with banks	249	249
Mortgage loans held for sale, at fair value (Note 4)	7,860	9,980
Loans receivable, net of allowance for credit losses of $24,664 at March 31, 2024 and $26,154 at December 31, 2023 (Note 5)	1,981,428	1,895,886
Accrued interest receivable	18,063	18,010
Premises and equipment, net	17,396	16,053
Right of use assets (Note 6)	31,021	31,272
Federal Home Loan Bank of New York (FHLBNY) stock, at cost	23,892	19,377
Deferred tax assets	13,919	14,332
Other assets	21,151	24,723
Total assets	2,818,702	2,750,722
Liabilities:
Deposits (Note 7)	1,585,784	1,507,620
Operating lease liabilities	32,486	32,684
Accrued interest payable	4,218	11,965
Advance payments by borrowers for taxes and insurance	13,245	10,778
Borrowings (Note 8)	680,421	684,421
Other liabilities	8,866	11,859
Total liabilities	2,325,020	2,259,327
Commitments and contingencies (Note 11)
Stockholders' Equity:
Preferred stock, $0.01 par value; 100,000,000 shares authorized, 225,000 shares issued and outstanding as of March 31, 2024 and as of December 31, 2023.	225,000	225,000
Common stock, $0.01 par value; 200,000,000 shares authorized; 24,886,711 shares issued and 23,790,497 shares outstanding as of March 31, 2024 and 24,886,711 shares issued and 23,785,520 shares outstanding as of December 31, 2023	249	249
Treasury stock, at cost; 1,096,214 shares as of March 31, 2024 and 1,101,191 shares as of December 31, 2023	(9,702)	(9,747)
Additional paid-in-capital	207,584	207,106
Retained earnings	99,834	97,420
Accumulated other comprehensive loss (Note 14)	(16,590)	(15,649)
Unearned compensation - ESOP; 1,402,296 shares as of March 31, 2024 and 1,435,732 shares as of December 31, 2023	(12,693)	(12,984)
Total stockholders' equity	493,682	491,395
Total liabilities and stockholders' equity	$ 2,818,702	$ 2,750,722