Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Interest on loans receivable		$ 30,664	$ 19,700
Interest on deposits due from banks		2,911	197
Interest and dividend on securities and FHLBNY stock		6,091	6,459
Total interest and dividend income		39,666	26,356
Interest expense:
Interest on certificates of deposits	[1]	6,380	3,225
Interest on other deposits	[1]	6,540	2,812
Interest on borrowings		7,923	5,074
Total interest expense		20,843	11,111
Net interest income		18,823	15,245
Benefit for credit losses (Note 3) (Note 5)		(180)	(174)
Net interest income after benefit for credit losses		19,003	15,419
Non-interest income:
Service charges and fees		473	491
Brokerage commissions		8	15
Late and prepayment charges		359	729
Income on sale of mortgage loans		302	99
Other		565	485
Total non-interest income		1,707	1,819
Non-interest expense:
Compensation and benefits		7,844	7,446
Occupancy and equipment		3,667	3,570
Data processing expenses		1,127	1,192
Direct loan expenses		732	412
Provision for contingencies		164	985
Insurance and surety bond premiums		253	265
Office supplies, telephone and postage		249	399
Professional fees		1,723	1,455
Grain recoveries (Note 5)		(53)	(914)
Marketing and promotional expenses		100	128
Directors' fees and regulatory assessment		179	155
Other operating expenses		965	1,268
Total non-interest expense		16,950	16,361
Income before income taxes		3,760	877
Provision for income taxes		1,346	546
Net income		$ 2,414	$ 331
Earnings per common share (Note 10):
Basic		$ 0.11	$ 0.01
Diluted		$ 0.11	$ 0.01
Weighted average common shares outstanding (Note 10):
Basic		22,353,492	23,293,013
Diluted		22,366,728	23,324,532

[1] For the three months ended March 31, 2023, $1.4 million of interest expense were reclassified from Interest on other deposits to Interest on certificates of deposits.