Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2025	Dec. 31, 2024
ASSETS:
Cash and due from banks	$ 42,026	$ 47,364
Federal funds sold and other short term investments	653,530	594,448
Total cash and cash equivalents	695,556	641,812
Securities available for sale	319,872	358,185
Held to maturity securities ($4,629 and $5,306 fair value at September 30, 2025 and December 31, 2024, respectively)	4,593	5,365
Federal Home Loan Bank stock	6,601	6,507
Loans, net of deferred costs	5,191,770	5,098,058
Less: Allowance for credit losses on loans	51,891	50,248
Net loans	5,139,879	5,047,810
Bank premises and equipment, net	39,718	33,782
Operating lease right-of-use assets	35,291	36,627
Other assets	107,514	108,656
Total assets	6,349,024	6,238,744
Deposits:
Demand	795,508	762,101
Interest-bearing checking	1,025,582	1,027,540
Savings accounts	1,063,763	1,086,534
Money market deposit accounts	455,488	465,049
Time deposits	2,140,932	2,049,759
Total deposits	5,481,273	5,390,983
Short-term borrowings	97,749	84,781
Operating lease liabilities	38,180	40,159
Accrued expenses and other liabilities	39,809	46,478
Total liabilities	5,657,011	5,562,401
SHAREHOLDERS’ EQUITY:
Capital stock par value $1.00; 30,000,000 shares authorized; 20,102,978 and 20,097,152 shares issued at September 30, 2025 and December 31, 2024, 18,553,583 and 19,019,749 shares outstanding at September 30, 2025 and December 31, 2024, respectively	20,103	20,097
Surplus	259,980	258,874
Undivided profits	471,314	446,503
Accumulated other comprehensive income (loss), net of tax	2,955	(3,861)
Treasury stock at cost - 1,549,395 and 1,077,403 shares at September 30, 2025 and December 31, 2024, respectively	(62,339)	(45,270)
Total shareholders’ equity	692,013	676,343
Total liabilities and shareholders’ equity	$ 6,349,024	$ 6,238,744