Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Cash and due from banks:
Cash	$ 32,061	$ 28,930
Interest-bearing deposits	123,751	110,260
Total cash and cash equivalents	155,812	139,190
Available-for-sale securities, at fair value (Note 3)	111,005	119,902
Held-to-maturity securities, net of allowance for credit losses of $207 at September 30, 2024 and $398 at December 31, 2023; at amortized cost (fair value 2024 $398,823; 2023 $450,042) (Note 3)	403,736	461,748
Placement with banks	249	249
Mortgage loans held for sale, at fair value (Note 4)	9,566	9,980
Loans receivable, net of allowance for credit losses of $23,966 at September 30, 2024 and $26,154 at December 31, 2023 (Note 5)	2,180,331	1,895,886
Accrued interest receivable	16,890	18,010
Premises and equipment, net	16,843	16,053
Right of use assets (Note 6)	29,785	31,272
Federal Home Loan Bank of New York (FHLBNY) stock, at cost	28,515	19,377
Deferred tax assets	11,845	14,332
Other assets	51,392	24,723
Total assets	3,015,969	2,750,722
Liabilities:
Deposits (Note 7)	1,870,323	1,507,620
Operating lease liabilities	31,343	32,684
Accrued interest payable	2,918	11,965
Advance payments by borrowers for taxes and insurance	13,733	10,778
Borrowings (Note 8)	580,421	684,421
Other liabilities	12,642	11,859
Total liabilities	2,511,380	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 September 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 23,819,463 shares outstanding as of September 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; 1,067,248 shares as of September 30, 2024 and 1,101,191 shares as of December 31, 2023	(9,445)	(9,747)
Additional paid-in-capital	208,478	207,106
Retained earnings	105,103	97,420
Accumulated other comprehensive loss (Note 14)	(12,686)	(15,649)
Unearned compensation - ESOP; 1,335,424 shares as of September 30, 2024 and 1,435,732 shares as of December 31, 2023	(12,110)	(12,984)
Total stockholders' equity	504,589	491,395
Total liabilities and stockholders' equity	$ 3,015,969	$ 2,750,722