Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
ASSETS
Cash and amounts due from depository institutions	$ 24,985	$ 18,970
Interest-earning deposits	525,368	176,294
Total cash and cash equivalents	550,353	195,264
Interest-earning time deposits	735	735
Debt securities available for sale	91,613	119,335
Equity investments	2,500	7,672
Loans held for sale	917	1,153
Loans receivable, net of allowance for loan losses of $23,734 and $22,359, respectively	2,178,407	2,278,492
Federal Home Loan Bank of New York stock, at cost	13,821	13,405
Premises and equipment, net	19,920	20,293
Accrued interest receivable	8,318	8,378
Other real estate owned	1,623	1,333
Deferred income taxes	11,180	13,601
Goodwill and other intangibles	5,552	5,604
Operating lease right-of-use assets	13,246
Other assets	9,283	9,466
Total Assets	2,907,468	2,674,731
LIABILITIES
Non-interest bearing deposits	271,702	263,960
Interest bearing deposits	2,090,361	1,916,764
Total deposits	2,362,063	2,180,724
FHLB advances	245,800	245,800
Subordinated debentures	36,810	36,577
Operating lease liability	13,380
Other liabilities	9,942	11,415
Total Liabilities	2,667,995	2,474,516
STOCKHOLDERS' EQUITY
Preferred stock: $0.01 par value, 10,000,000 shares authorized; issued and outstanding 8,340 shares of noncumulative perpetual convertible preferred stock at December 31, 2019 and 7,807 shares of noncumulative perpetual preferred stock at December 31, 2018
Additional paid-in capital preferred stock	25,016	19,706
Common stock: no par value; 40,000,000 shares authorized; issued 19,484,046 and 18,352,748 at December 31, 2019 and December 31, 2018 respectively, outstanding 17,516,828 shares and 15,889,306 shares, at December 31, 2019 and December 31, 2018, respectively
Additional paid-in capital common stock	190,294	175,500
Retained earnings	48,429	38,405
Accumulated other comprehensive (loss)	(2,218)	(5,076)
Treasury stock, at cost, 1,967,218 and 2,463,442 shares at December 31, 2019 and December 31, 2018, respectively	(22,048)	(28,320)
Total Stockholders' Equity	239,473	200,215
Total Liabilities and Stockholders' Equity	$ 2,907,468	$ 2,674,731