CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income (loss)	$ 18,009	$ (429)
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of right-of-use assets	454	307
Provision for credit losses	1,162	2,237
Losses (gains) on disposal of fixed assets, net	0	(616)
Depreciation and amortization of fixed assets	970	941
Amortization of premiums on securities, net	324	1,097
(Gains) on sales of loans held for sale, net	(68)	(91)
Proceeds from sales of loans held for sale	3,670	4,842
Loans originated and held for sale	(3,927)	(6,963)
Losses on sales of other real estate owned, net	0	8
Change in fair value of equity investments, net	(201)	(61)
Losses on securities transactions, net	0	17,498
Write down of equity investments	289	0
Purchases of equity investments, net	(115)	(91)
Amortization of deferred costs on subordinated debt	51	4
Losses (gains) on interest rate swaps, net	(68)	66
Income from bank-owned life insurance	(14)	(16)
Decrease (increase) in accrued interest receivable	(236)	666
(Increase) in other assets	(271)	(1,059)
(Decrease) in accrued interest payable	(269)	(69)
(Decrease) in other liabilities	(1,788)	(1,687)
(Payments on) operating leases	(438)	(310)
Expense related to restricted stock units for directors' deferred compensation plan	12	11
Expense related to employee restricted stock awards	727	641
Net cash provided by operating activities	18,273	16,926
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales, maturities, calls, and principal paydowns on securities available for sale	11,362	255,645
Proceeds from sales, maturities and principal collected on securities held to maturity	80	128
Purchases of securities held to maturity	(1,000)	0
Purchases of FHLBNY and FRBNY stock	(12,180)	(10,322)
Redemption of FHLBNY and FRBNY stock	11,956	12,613
Proceeds from sales of fixed assets	0	1,300
Purchases of premises and equipment	(456)	(688)
Proceeds from sale of other real estate owned	0	347
Proceeds from bank owned life insurance	280	0
(Increase) in loans, net	(97,656)	(61,955)
Net cash provided by (used in) investing activities	(87,614)	197,068
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in demand, interest-bearing demand, savings, and insured money market deposits	124,502	77,521
(Decrease) in time deposits	(31,242)	(5,442)
(Decrease) in FHLBNY overnight advances, net	(44,520)	(54,110)
Increase in FHLBNY term advances, net	47,000	0
(Payments on) finance leases	(179)	(163)
Proceeds from subordinated debt	0	45,000
Payment of subordinated debt issuance costs	0	(858)
Purchase of treasury stock	(184)	(90)
Sale of treasury stock	257	229
Cash dividends paid	(3,277)	(3,065)
Net cash provided by financing activities	92,357	59,022
Increase in cash and cash equivalents, net	23,016	273,016
Cash and cash equivalents, beginning of period	50,097	47,035
Cash and cash equivalents, end of period	73,113	320,051
Cash paid for:
Interest	20,491	24,176
Income taxes	6,560	3,723
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