CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2026	Mar. 31, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 9,199	$ 6,023
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of right-of-use assets	211	194
Provision for credit losses	601	1,092
Losses on disposal of fixed assets, net	0	14
Depreciation and amortization of fixed assets	484	467
Amortization of premiums on securities, net	163	510
(Gains) on sales of loans held for sale, net	(21)	(40)
Proceeds from sales of loans held for sale	1,156	2,022
Loans originated and held for sale	(1,741)	(2,266)
Losses on sales of other real estate owned, net	0	11
Change in fair value of equity investments, net	71	47
Purchases of equity investments, net	(82)	(61)
Amortization of deferred costs on subordinated debt	26	0
Losses (gains) on interest rate swaps, net	(5)	61
Income from bank owned life insurance	(7)	(8)
Decrease (increase) in accrued interest receivable	(102)	242
Decrease (increase) in other assets	683	(709)
Increase (decrease) in accrued interest payable	589	(56)
(Decrease) in other liabilities	(2,334)	(470)
(Payments on) operating leases	(199)	(193)
Expense related to restricted stock units for directors' deferred compensation plan	6	6
Expense related to employee restricted stock awards	340	294
Net cash provided by operating activities	9,038	7,180
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales, maturities, calls, and principal paydowns on securities available for sale	5,556	13,635
Purchases of FHLBNY and FRBNY stock	(7,040)	(8,244)
Redemption of FHLBNY and FRBNY stock	7,542	9,321
Purchases of premises and equipment	(133)	(328)
Proceeds from sale of other real estate owned	0	158
Proceeds from bank owned life insurance	280	0
(Increase) in loans, net	(42,050)	(26,175)
Net cash (used in) investing activities	(35,845)	(11,633)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in demand, interest-bearing demand, savings, and insured money market deposits	48,897	61,510
(Decrease) in time deposits	(5,675)	(24,997)
(Decrease) in FHLBNY overnight advances, net	(11,400)	(24,110)
(Payments on) finance leases	(88)	(78)
Purchase of treasury stock	(173)	(85)
Sale of treasury stock	158	146
Cash dividends paid	(1,639)	(1,533)
Net cash provided by financing activities	30,080	10,853
Increase in cash and cash equivalents, net	3,273	6,400
Cash and cash equivalents, beginning of period	50,097	47,035
Cash and cash equivalents, end of period	53,370	53,435
Cash paid for:
Interest	9,412	11,937
Income taxes	123	443
Supplemental disclosure of non-cash activity:
Transfer of loans to other real estate owned	1,895	0
Right-of-use assets obtained through operating lease liabilities	$ 941	$ 80