CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2026	Dec. 31, 2025
ASSETS
Cash and due from financial institutions	$ 27,679	$ 22,772
Interest-earning deposits in other financial institutions	25,691	27,325
Total cash and cash equivalents	53,370	50,097
Equity investments, at estimated fair value	3,776	3,765
Securities available for sale, at estimated fair value (amortized cost of $322,169, at March 31, 2026 and $327,888 at December 31, 2025, net of allowance for credit losses of $0 at March 31, 2026 and December 31, 2025, respectively)	275,318	280,598
Securities held to maturity, at amortized cost (estimated fair value of $640 at March 31, 2026 and December 31, 2025, net of allowance for credit losses of $0 at March 31, 2026 and December 31, 2025)	640	640
FHLBNY and FRBNY stock, at cost	8,964	9,466
Loans, net of deferred loan fees	2,311,705	2,269,561
Allowance for credit losses	(24,890)	(24,209)
Loans, net	2,286,815	2,245,352
Loans held for sale	2,708	2,102
Premises and equipment, net	15,050	15,401
Operating lease right-of-use assets	5,485	4,755
Goodwill	21,824	21,824
Bank-owned life insurance	2,711	2,984
Interest rate swap assets	16,671	17,280
Accrued interest receivable and other assets	55,390	55,971
Total assets	2,748,722	2,710,235
Deposits:
Non interest-bearing	641,039	624,532
Interest-bearing	1,672,857	1,646,142
Total deposits	2,313,896	2,270,674
Overnight and short-term advances	75,710	87,110
Subordinated debt, net of issuance costs of $946 and $972, respectively	44,054	44,028
Long term finance lease obligation	3,356	3,444
Operating lease liabilities	5,679	4,937
Interest rate swap liabilities	16,798	17,412
Accrued interest payable and other liabilities	26,300	27,921
Total liabilities	2,485,793	2,455,526
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at March 31, 2026 and December 31, 2025	53	53
Additional paid-in capital	49,194	49,547
Retained earnings	264,044	256,484
Treasury stock, at cost; $491,250 shares at March 31, 2026 and $519,079 shares at December 31, 2025	(14,638)	(15,322)
Accumulated other comprehensive loss	(35,724)	(36,053)
Total shareholders' equity	262,929	254,709
Total liabilities and shareholders' equity	$ 2,748,722	$ 2,710,235