Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2024	Jun. 30, 2023
Interest and dividend income:
Interest on loans receivable		$ 31,281	$ 23,015	$ 61,945	$ 42,715
Interest on deposits due from banks		1,542	1,817	4,453	2,014
Interest and dividend on securities and FHLBNY stock		5,969	6,223	12,060	12,682
Total interest and dividend income		38,792	31,055	78,458	57,411
Interest expense:
Interest on certificates of deposits	[1]	6,358	3,881	12,738	7,106
Interest on other deposits	[1]	7,389	4,413	13,929	7,225
Interest on borrowings		7,141	6,479	15,064	11,553
Total interest expense		20,888	14,773	41,731	25,884
Net interest income		17,904	16,282	36,727	31,527
(Benefit) provision for credit losses (Note 3) (Note 5)		(374)	987	(554)	813
Net interest income after (benefit) provision for credit losses		18,278	15,295	37,281	30,714
Non-interest income:
Service charges and fees		492	481	965	972
Brokerage commissions		9	35	17	50
Late and prepayment charges		426	372	785	1,101
Income on sale of mortgage loans		274	82	576	181
Other		1,057	522	1,622	1,007
Total non-interest income		2,258	1,492	3,965	3,311
Non-interest expense:
Compensation and benefits		7,724	7,425	15,568	14,871
Occupancy and equipment		3,564	3,724	7,231	7,294
Data processing expenses		1,013	1,208	2,140	2,400
Direct loan expenses		633	345	1,365	757
(Benefit) provision for contingencies		(493)	517	(329)	1,502
Insurance and surety bond premiums		263	248	516	513
Office supplies, telephone and postage		233	489	482	888
Professional fees		1,369	1,904	3,092	3,359
Grain recoveries (Note 5)		(65)	(346)	(118)	(1,260)
Marketing and promotional expenses		145	303	245	431
Directors' fees and regulatory assessment		176	160	355	315
Other operating expenses		1,585	1,112	2,550	2,380
Total non-interest expense		16,147	17,089	33,097	33,450
Income (loss) before income taxes		4,389	(302)	8,149	575
Provision (benefit) for income taxes		1,197	(215)	2,543	331
Net income (loss)		3,192	(87)	5,606	244
Dividends on preferred shares		75	0	75	0
Net income (loss) available to common stockholders		$ 3,117	$ (87)	$ 5,531	$ 244
Earnings per common share (Note 10):
Basic		$ 0.14	$ (0)	$ 0.25	$ 0.01
Diluted		$ 0.14	$ (0)	$ 0.25	$ 0.01
Weighted average common shares outstanding (Note 10):
Basic		22,409,803	23,208,168	22,381,647	23,250,357
Diluted		22,419,309	23,208,168	22,393,018	23,275,201

[1] For the three and six months ended June 30, 2023, $1.5 million and $2.9 million, respectively, of interest expense were reclassified from Interest on other deposits to Interest on certificates of deposits.