Debt (Tables)

9 Months Ended

Sep. 30, 2025

Debt Disclosure [Abstract]

Schedule of Debt

Schedule of Borrowings:

	September 30, 2025		December 31, 2024
Balance:
FHLBNY Overnight Advances	—		—
FHLBNY Term Advances	4,265		8,600
Total Borrowings	$	4,265	$	8,600
Maximum Borrowing Capacity:
Federal Funds Purchased	$	23,000	$	23,000
Federal Home Loan Bank of New York	714,007		654,890
Federal Reserve Bank of New York	763,091		571,107
Available Borrowing Capacity:
Federal Funds Purchased	$	23,000	$	23,000
Federal Home Loan Bank of New York	679,741		616,290
Federal Reserve Bank of New York	763,091		571,107

Schedule of Maturities of Short-Term Debt

Maturity Schedule of FHLBNY Term Advances:

	Balances				Weighted Average Rate 1
Final Maturity	9/30/2025		12/31/2024		9/30/2025		12/31/2024
First Year	$	—	$	6,900	—	%	5.34	%
Second Year	—		—		—	%	—	%
Third Year	4,265		1,700		4.32	%	4.85	%
Fourth Year	—		—		—	%	—	%
Total	$	4,265	$	8,600	4.32	%	5.24	%
1The effective rate on the FHLBNY Advances is 0% due to subsidized funding in the form of interest rate credits.

Schedule of Long-Term Debt Instruments

Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures

	September 30, 2025			December 31, 2024
ACST II
Balance	$	10,000		$	10,000
Period End:
Variable Interest Rate	7.41		%	7.74		%
Fixed Interest Rate resulting from cash flow hedge agreement	4.00		%	4.00		%
ACST III
Balance	$	10,000		$	10,000
Period End:
Variable Interest Rate	6.26		%	6.59		%
Fixed Interest Rate resulting from cash flow hedge agreement	2.86		%	2.86		%