CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2025	Dec. 31, 2024
ASSETS
Cash and due from financial institutions	$ 22,772	$ 26,224
Interest-earning deposits in other financial institutions	27,325	20,811
Total cash and cash equivalents	50,097	47,035
Equity investments, at fair value	3,765	3,235
Securities available for sale, at estimated fair value (amortized cost of $327,888, net of allowance for credit losses of $0 as of December 31, 2025; and amortized cost of $617,271, net of allowance for credit losses of $0 as of December 31, 2024)	280,598	531,442
Securities held to maturity, (estimated fair value of $640 as of December 31, 2025 and $808 as of December 31, 2024 net of allowance for credit losses of $0 as of December 31, 2025 and December 31, 2024)	640	808
FHLBNY and FRBNY Stock, at cost	9,466	9,117
Loans, net of deferred loan fees	2,269,561	2,071,419
Allowance for credit losses	(24,209)	(21,388)
Loans, net	2,245,352	2,050,031
Loans held for sale	2,102	0
Premises and equipment, net	15,401	16,375
Operating lease right-of-use assets	4,755	5,446
Goodwill	21,824	21,824
Bank owned life insurance	2,984	2,952
Interest rate swap assets	17,280	23,829
Accrued interest receivable and other assets	55,971	64,053
Total assets	2,710,235	2,776,147
Deposits:
Non interest-bearing	624,532	625,762
Interest-bearing	1,646,142	1,771,121
Total deposits	2,270,674	2,396,883
FHLBNY overnight advances	87,110	109,110
Subordinated debt, net of issuance costs of $972 and $0, respectively	44,028	0
Long-term finance lease obligation	3,444	3,779
Operating lease liabilities	4,937	5,629
Interest rate swap liabilities	17,412	23,851
Accrued interest payable and other liabilities	27,921	21,586
Total liabilities	2,455,526	2,560,838
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued as of December 31, 2025 and December 31, 2024	53	53
Additional-paid-in capital	49,547	48,783
Retained earnings	256,484	247,705
Treasury stock, at cost (519,079 shares as of December 31, 2025; 555,881 shares as of December 31, 2024)	(15,322)	(16,167)
Accumulated other comprehensive (loss)	(36,053)	(65,065)
Total shareholders' equity	254,709	215,309
Total liabilities and shareholders' equity	$ 2,710,235	$ 2,776,147