Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
Cash and due from banks:
Cash	$ 23,128	$ 28,930
Interest-bearing deposits	80,038	110,260
Total cash and cash equivalents	103,166	139,190
Available-for-sale securities, at fair value (Note 3)	113,125	119,902
Held-to-maturity securities, net of allowance for credit losses of $218 at June 30, 2024 and $398 at December 31, 2023; at amortized cost (fair value 2024 $425,645; 2023 $450,042) (Note 3)	442,113	461,748
Placements with banks	249	249
Mortgage loans held for sale, at fair value (Note 4)	37,764	9,980
Loans receivable, net of allowance for credit losses of $24,061 at June 30, 2024 and $26,154 at December 31, 2023 (Note 5)	2,022,173	1,895,886
Accrued interest receivable	17,441	18,010
Premises and equipment, net	16,976	16,053
Right of use assets (Note 6)	30,349	31,272
Federal Home Loan Bank of New York (FHLBNY) stock, at cost	23,972	19,377
Deferred tax assets	13,172	14,332
Other assets	21,507	24,723
Total assets	2,842,007	2,750,722
Liabilities:
Deposits (Note 7)	1,606,097	1,507,620
Operating lease liabilities	31,861	32,684
Accrued interest payable	6,820	11,965
Advance payments by borrowers for taxes and insurance	10,838	10,778
Borrowings (Note 8)	680,421	684,421
Other liabilities	8,313	11,859
Total liabilities	2,344,350	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 June 30, 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 23,811,732 shares outstanding as of June 30, 2024 and 24,886,711 shares issued and 23,785,520 shares outstanding as of December 31, 2023	249	249
Treasury stock, at cost; 1,074,979 shares as of June 30, 2024 and 1,101,191 shares as of December 31, 2023	(9,519)	(9,747)
Additional paid-in-capital	207,934	207,106
Retained earnings	102,951	97,420
Accumulated other comprehensive loss (Note 14)	(16,557)	(15,649)
Unearned compensation - ESOP; 1,368,860 shares as of June 30, 2024 and 1,435,732 shares as of December 31, 2023	(12,401)	(12,984)
Total stockholders' equity	497,657	491,395
Total liabilities and stockholders' equity	$ 2,842,007	$ 2,750,722