Debt (Tables)

3 Months Ended

Mar. 31, 2026

Debt Disclosure [Abstract]

Schedule of Debt

Schedule of Borrowings:

	March 31, 2026		December 31, 2025
Balance:
FHLBNY Overnight Advances	$	—	$	—
FHLBNY Term Advances	4,265		4,265
Total Borrowings	$	4,265	$	4,265
Maximum Borrowing Capacity:
Federal Funds Purchased	$	23,000	$	23,000
Federal Home Loan Bank of New York	753,393		756,968
Federal Reserve Bank of New York	717,806		707,839
Available Borrowing Capacity:
Federal Funds Purchased	$	23,000	$	23,000
Federal Home Loan Bank of New York	719,128		722,703
Federal Reserve Bank of New York	717,806		707,839

Schedule of Maturities of Short-Term Debt

Maturity Schedule of FHLBNY Term Advances:

	Balances				Weighted Average Rate 1
Final Maturity	3/31/2026		12/31/2025		3/31/2026		12/31/2025
First Year	$	—	$	—	—	%	—	%
Second Year	4,265		4,265		4.32	%	4.32	%
Third Year	—		—		—	%	—	%
Fourth Year	—		—		—	%	—	%
Total	$	4,265	$	4,265	4.32	%	4.32	%
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

	March 31, 2026			December 31, 2025
ACST II
Balance	$	10,000		$	10,000
Period End:
Variable Interest Rate	7.11		%	7.08		%
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	5.96		%	5.93		%
Fixed Interest Rate resulting from cash flow hedge agreement	2.86		%	2.86		%