Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2025	Dec. 31, 2024
Cash and due from banks:
Cash	$ 32,113	$ 35,478
Interest-bearing deposits	97,780	104,361
Total cash and cash equivalents	129,893	139,839
Available-for-sale securities, at fair value (Note 3)	103,570	104,970
Held-to-maturity securities, net of allowance for credit losses of $213 at March 31, 2025 and $216 at December 31, 2024; at amortized cost (fair value 2025 $349,518; 2024 $355,294) (Note 3)	358,024	367,938
Placement with banks	249	249
Mortgage loans held for sale, at fair value (Note 4)	8,567	10,736
Loans receivable, net of allowance for credit losses of $22,974 at March 31, 2025 and $22,502 at December 31, 2024 (Note 5)	2,370,931	2,286,599
Accrued interest receivable	19,008	17,771
Premises and equipment, net	16,417	16,794
Right of use assets (Note 6)	29,496	29,093
Federal Home Loan Bank of New York (FHLBNY) stock, at cost	25,807	29,182
Deferred tax assets	11,629	12,074
Other assets	16,245	24,693
Total assets	3,089,836	3,039,938
Liabilities:
Deposits (Note 7)	2,004,947	1,884,864
Operating lease liabilities	31,126	30,696
Accrued interest payable	4,628	3,712
Advance payments by borrowers for taxes and insurance	12,901	10,349
Borrowings (Note 8)	521,100	596,100
Other liabilities	1,248	8,717
Total liabilities	2,575,950	2,534,438
Commitments and contingencies (Note 10)
Stockholders' Equity:
Preferred stock, $0.01 par value; 100,000,000 shares authorized, 225,000 shares issued and outstanding as of March 31, 2025 and as of December 31, 2024.	225,000	225,000
Common stock, $0.01 par value; 200,000,000 shares authorized; 24,886,711 shares issued at both March 31, 2025 and December 31, 2024; 23,966,191 shares outstanding as of March 31, 2025 and 23,961,214 shares outstanding as of December 31, 2024	249	249
Treasury stock, at cost; 920,520 shares as of March 31, 2025 and 925,497 shares as of December 31, 2024	(7,641)	(7,707)
Additional paid-in-capital	207,888	207,319
Retained earnings	113,432	107,754
Accumulated other comprehensive loss (Note 13)	(13,515)	(15,297)
Unearned compensation -- ESOP; 1,268,552 shares as of March 31, 2025 and 1,301,988 shares as of December 31, 2024	(11,527)	(11,818)
Total stockholders' equity	513,886	505,500
Total liabilities and stockholders' equity	$ 3,089,836	$ 3,039,938