CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025
ASSETS
Cash and due from financial institutions	$ 28,994	$ 22,772
Interest-earning deposits in other financial institutions	44,119	27,325
Total cash and cash equivalents	73,113	50,097
Equity investments, at estimated fair value	3,605	3,765
Securities available for sale, at estimated fair value (amortized cost of $316,202, at June 30, 2026 and $327,888 at December 31, 2025, net of allowance for credit losses of $0 at June 30, 2026 and December 31, 2025, respectively)	269,043	280,598
Securities held to maturity, at amortized cost (estimated fair value of $1,560 at June 30, 2026 and $640 at December 31, 2025, net of allowance for credit losses of $0 at June 30, 2026 and December 31, 2025, respectively)	1,560	640
FHLBNY and FRBNY stock, at cost	9,690	9,466
Loans, net of deferred loan fees	2,367,151	2,269,561
Allowance for credit losses	(25,232)	(24,209)
Loans, net	2,341,919	2,245,352
Loans held for sale	2,427	2,102
Premises and equipment, net	14,887	15,401
Operating lease right-of-use assets	5,242	4,755
Goodwill	21,824	21,824
Bank-owned life insurance	2,718	2,984
Interest rate swap assets	17,548	17,280
Accrued interest receivable and other assets	56,626	55,971
Total assets	2,820,202	2,710,235
Deposits:
Non interest-bearing	681,912	624,532
Interest-bearing	1,682,022	1,646,142
Total deposits	2,363,934	2,270,674
Overnight and short-term advances	89,590	87,110
Subordinated debt, net of issuance costs of $921 and $972, respectively	44,079	44,028
Long-term finance lease obligation	3,265	3,444
Operating lease liabilities	5,440	4,937
Interest rate swap liabilities	17,612	17,412
Accrued interest payable and other liabilities	25,921	27,921
Total liabilities	2,549,841	2,455,526
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at June 30, 2026 and December 31, 2025	53	53
Additional paid-in capital	49,638	49,547
Retained earnings	271,216	256,484
Treasury stock, at cost; $489,798 shares at June 30, 2026 and $519,079 shares at December 31, 2025	(14,601)	(15,322)
Accumulated other comprehensive loss	(35,945)	(36,053)
Total shareholders' equity	270,361	254,709
Total liabilities and shareholders' equity	$ 2,820,202	$ 2,710,235