Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2025	Mar. 31, 2024
Interest and dividend income:
Interest on loans receivable	$ 37,136	$ 30,664
Interest on deposits due from banks	1,668	2,911
Interest and dividend on securities and FHLBNY stock	5,193	6,091
Total interest and dividend income	43,997	39,666
Interest expense:
Interest on certificates of deposit	7,754	6,380
Interest on other deposits	8,554	6,540
Interest on borrowings	5,486	7,923
Total interest expense	21,794	20,843
Net interest income	22,203	18,823
Benefit for credit losses (Note 3) (Note 5)	(285)	(16)
Net interest income after benefit for credit losses	22,488	18,839
Non-interest income:
Service charges and fees	525	473
Brokerage commissions	4	8
Late and prepayment charges	697	359
Income on sale of mortgage loans	148	302
Income on sale of SBA loans	404
Other	603	565
Total non-interest income	2,381	1,707
Non-interest expense:
Compensation and benefits	7,780	7,844
Occupancy and equipment	3,913	3,667
Data processing expenses	1,152	1,127
Direct loan expenses	388	732
Insurance and surety bond premiums	315	253
Office supplies, telephone and postage	170	249
Professional fees	1,364	1,723
Microloans recoveries		(53)
Marketing and promotional expenses	83	100
Federal deposit insurance and regulatory assessment	461	389
Other operating expenses	1,262	755
Total non-interest expense	16,888	16,786
Income before income taxes	7,981	3,760
Provision for income taxes	2,022	1,346
Net income	5,959	2,414
Dividends on preferred shares	281	0
Net income available to common stockholders	$ 5,678	$ 2,414
Earnings per common share (Note 9):
Basic	$ 0.25	$ 0.11
Diluted	$ 0.25	$ 0.11
Weighted average common shares outstanding (Note 9):
Basic	22,662,916	22,353,492
Diluted	22,876,740	22,366,728