CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from financial institutions	$ 22,984	$ 22,247
Interest-earning deposits in other financial institutions	71,878	14,600
Total cash and cash equivalents	94,862	36,847
Equity investments, at estimated fair value	3,093	3,046
Securities available for sale, at estimated fair value (amortized cost of $656,640, at March 31, 2024 and $669,092 at December 31, 2023, net of allowance for credit losses on securities of $0 at March 31, 2024 and December 31, 2023, respectively)	566,028	583,993
Securities held to maturity	785	785
FHLBNY and FRBNY Stock, at cost	4,071	5,498
Loans, net of deferred loan fees	2,003,610	1,972,664
Allowance for credit losses	(20,471)	(22,517)
Loans, net	1,983,139	1,950,147
Loans held for sale	96	0
Premises and equipment, net	14,183	14,571
Operating lease right-of-use assets	6,018	5,648
Goodwill	21,824	21,824
Bank-owned life insurance	2,923	2,914
Interest rate swap assets	25,806	23,942
Accrued interest receivable and other assets	62,062	61,314
Total assets	2,784,890	2,710,529
Deposits:
Non-interest-bearing	656,330	653,166
Interest-bearing	1,824,442	1,776,261
Total deposits	2,480,772	2,429,427
FHLBNY overnight advances	0	31,920
FRB term advance	50,000	0
Long term finance lease obligation	2,979	3,050
Operating lease liabilities	6,197	5,827
Dividends payable	1,473	1,469
Interest rate swap liabilities	25,811	23,981
Accrued interest payable and other liabilities	20,530	19,614
Total liabilities	2,587,762	2,515,288
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2024 and December 31, 2023	53	53
Additional paid-in capital	47,794	47,773
Retained earnings	235,506	229,930
Treasury stock, at cost; 559,226 shares at March 31, 2024 and 572,663 shares at December 31, 2023	(16,147)	(16,502)
Accumulated other comprehensive loss	(70,078)	(66,013)
Total shareholders' equity	197,128	195,241
Total liabilities and shareholders' equity	$ 2,784,890	$ 2,710,529