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Loans (Tables)
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
Past Due Financing Receivables
The following table presents loan balances outstanding as of December 31, 2024 and December 31, 2023 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $759 and $165 as of December 31, 2024, and December 31, 2023, respectively, are included in the residential real estate balances for current loans.
Schedule of Past Due Loans by Loan Category
Commercial
CommercialReal EstateConsumerResidentialTotal
December 31, 2024
Loans Past Due 30-59 Days$355 $— $11,211 $391 $11,957 
Loans Past Due 60-89 Days156 318 5,417 2,685 8,576 
Loans Past Due 90 or More Days102 14,902 2,225 2,239 19,468 
Total Loans Past Due613 15,220 18,853 5,315 40,001 
Current Loans158,378 781,145 1,100,128 1,314,889 3,354,540 
Total Loans$158,991 $796,365 $1,118,981 $1,320,204 $3,394,541 
December 31, 2023
Loans Past Due 30-59 Days$298 $— $13,511 $3,715 $17,524 
Loans Past Due 60-89 Days21 636 5,579 861 7,097 
Loans Past Due 90 or More Days30 15,308 1,801 3,140 20,279 
Total Loans Past Due349 15,944 20,891 7,716 44,900 
Current Loans155,875 729,543 1,090,776 1,191,814 3,168,008 
Total Loans$156,224 $745,487 $1,111,667 $1,199,530 $3,212,908 
Schedule of Non Accrual Loans by Category
Commercial
December 31, 2024CommercialReal EstateConsumerResidentialTotal
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $19 $379 $398 
Nonaccrual Loans102 14,902 2,241 3,376 20,621 
Nonaccrual With No Allowance for Credit Loss102 14,902 2,241 3,376 20,621 
Interest Income on Nonaccrual Loans— — — — — 
December 31, 2023
Loans 90 or More Days Past Due
  and Still Accruing Interest		$— $— $6 $446 $452 
Nonaccrual Loans30 15,308 1,877 3,430 20,645 
Financing Receivable Supplemental Information
Schedule of Supplemental Loan Information
20242023
Supplemental Information:
Unamortized deferred loan origination costs, net of deferred loan
  origination fees, included in the above balances		$6,155 $6,240 
Overdrawn deposit accounts, included in the above balances1,112 180 
Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York654,890 576,602 
Residential real estate loans serviced for Freddie Mac, not included
   in the balances above		168,653 178,284 
Allowance for Credit Losses on Financing Receivables
The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2024 and December 31, 2023

Allowance for Credit Losses
Commercial
CommercialReal EstateConsumerResidentialTotal
Rollforward of the Allowance for Credit Losses for the Year Ended:
December 31, 2023$1,958 $15,521 $2,566 $11,220 $31,265 
Charge-offs(9)— (5,837)(49)(5,895)
Recoveries— — 3,048 — 3,048 
Provision(24)(1,014)4,105 2,113 5,180 
December 31, 2024$1,925 $14,507 $3,882 $13,284 $33,598 
December 31, 2022$1,961 $15,213 $2,585 $10,193 $29,952 
Charge-offs— — (5,123)(54)(5,177)
Recoveries— — 3,109 — 3,109 
Provision(3)308 1,995 1,081 3,381 
December 31, 2023$1,958 $15,521 $2,566 $11,220 $31,265 
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 and December 31, 2023:

December 31, 2024Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 14,902 14,902 
Consumer— — — 
Residential1,417 — 1,417 
Total$1,417 $14,902 $16,319 
December 31, 2023Collateral Type -Residential Real EstateCollateral Type - Commercial Real EstateTotal Loans
Commercial$— $— $— 
Commercial Real Estate— 15,308 15,308 
Consumer— — — 
Residential1,446 — 1,446 
Total$1,446 $15,308 $16,754 

Allowance for Credit Losses - Collectively and Individually Evaluated
CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2024
Ending Loan Balance - Collectively Evaluated$158,991 $781,463 $1,118,981 $1,318,787 $3,378,222 
Allowance for Credit Losses - Loans Collectively Evaluated1,925 14,507 3,882 13,284 33,598 
Ending Loan Balance - Individually Evaluated— 14,902 — 1,417 16,319 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 


CommercialCommercial Real EstateConsumerResidentialTotal
December 31, 2023
Ending Loan Balance - Collectively Evaluated$156,224 $730,179 $1,111,667 $1,198,084 $3,196,154 
Allowance for Credit Losses - Loans Collectively Evaluated1,958 15,521 2,566 11,220 $31,265 
Ending Loan Balance - Individually Evaluated— 15,308 — 1,446 16,754 
Allowance for Credit Losses - Loans Individually Evaluated— — — — — 
Financing Receivable Credit Quality Indicators
The following table presents credit quality indicators by total loans amortized cost basis by origination year as of December 31, 2024 and December 31, 2023:
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
December 31, 202420242023202220212020Prior
Commercial:
Risk rating
Satisfactory$42,767 $28,988 $23,808 $16,941 $6,183 $19,211 $15,686 $153,584 
Special mention107 229 930 — 72 — 483 1,821 
Substandard— 280 264 — — 3,030 12 3,586 
Doubtful— — — — — — — — 
Total
Commercial Loans		$42,874 $29,497 $25,002 $16,941 $6,255 $22,241 $16,181 $158,991 
Current-period
gross charge-offs		$— $— $— $— $9 $— $9 
Commercial Real Estate:
Risk rating
Satisfactory$90,049 $96,783 $137,146 $109,086 $115,576 $187,202 $2,799 $738,641 
Special mention3,002 200 12,680 — — 9,506 — 25,388 
Substandard— 146 172 1,985 2,309 26,853 871 32,336 
Doubtful— — — — — — — — 
Total Commercial
Real Estate Loans		$93,051 $97,129 $149,998 $111,071 $117,885 $223,561 $3,670 $796,365 
Current-period
gross charge-offs		$— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$386,004 $297,698 $243,484 $121,803 $48,268 $18,994 $473 $1,116,724 
Nonperforming345 424 602 593 178 115 — 2,257 
Total
Consumer Loans		$386,349 $298,122 $244,086 $122,396 $48,446 $19,109 $473 $1,118,981 
Current-period
gross charge-offs		$1,272 $949 $1,669 $1,270 $434 $243 $5,837 
Residential:
Risk rating
Performing$162,087 $177,071 $225,398 $181,934 $106,695 $334,576 $128,687 $1,316,448 
Nonperforming— 201 254 201 464 2,386 250 3,756 
Total
Residential Loans		$162,087 $177,272 $225,652 $182,135 $107,159 $336,962 $128,937 $1,320,204 
Current-period
gross charge-offs		$— $— $— $— $— $49 $49 
Total Loans$684,361 $602,020 $644,738 $432,543 $279,745 $601,873 $149,261 $3,394,541 
Total gross
charge-offs		$1,272 $949 $1,669 $1,270 $443 $292 $5,895 
Term Loans Amortized Cost Basis by Origination YearRevolving Loans Amortized Cost BasisTotal
December 31, 202320232022202120202019Prior
Commercial:
Risk rating
Satisfactory$54,584 $34,047 $23,470 $9,655 $4,107 $13,360 $8,586 $147,809 
Special mention— — — 117 — — — 117 
Substandard— — — — — 3,199 5,099 8,298 
Doubtful— — — — — — — — 
Total
Commercial Loans		$54,584 $34,047 $23,470 $9,772 $4,107 $16,559 $13,685 $156,224 
Current-period
gross charge-offs		$— $— $— $— $— $— $— 
Commercial Real Estate:
Risk rating
Satisfactory$81,582 $151,818 $105,365 $120,845 $41,406 $174,516 $1,667 $677,199 
Special mention— 10,439 — — — 4,084 — 14,523 
Substandard150 9,169 1,670 2,533 791 38,955 497 53,765 
Doubtful— — — — — — — — 
Total Commercial
Real Estate Loans		$81,732 $171,426 $107,035 $123,378 $42,197 $217,555 $2,164 $745,487 
Current-period
gross charge-offs		$— $— $— $— $— $— $— 
Consumer:
Risk rating
Performing$405,099 $355,217 $195,799 $93,708 $44,206 $15,252 $— $1,109,281 
Nonperforming208 783 551 210 81 85 468 2,386 
Total
Consumer Loans		$405,307 $356,000 $196,350 $93,918 $44,287 $15,337 $468 $1,111,667 
Current-period
gross charge-offs		$366 $1,368 $2,122 $604 $397 $266 $5,123 
Residential:
Risk rating
Performing$161,878 $231,365 $192,588 $116,451 $73,875 $296,935 $122,573 $1,195,665 
Nonperforming— — 444 666 127 2,268 360 3,865 
Total
Residential Loans		$161,878 $231,365 $193,032 $117,117 $74,002 $299,203 $122,933 $1,199,530 
Current-period
gross charge-offs		$— $— $— $21 $— $33 $54 
Total Loans$703,501 $792,838 $519,887 $344,185 $164,593 $548,654 $139,250 $3,212,908 
Total gross
charge-offs		$366 $1,368 $2,122 $625 $397 $299 $5,177