FAIR VALUE OF FINANCIAL INSTRUMENTS (Carrying Amount and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Financial assets:
Debt securities available for sale	$ 234,942	$ 30,439
Securities held to maturity	3,712	4,403
Equity investments	2,224	2,110
Other investments
FRB Stock	7,300	7,300
FHLB Stock	8,100	9,500
Financial liabilities:
Noninterest-bearing demand deposits	1,090,479	798,563
Time deposits	110,375
Federal Home Loan Bank of New York advances	144,000	185,000
Carrying Amount
Financial assets:
Cash and due from banks	10,176	9,246
Overnight deposits	381,045	223,704
Debt securities available for sale	234,942	30,439
Securities held to maturity	3,722	4,571
Equity investments	2,224	2,110
Loans, net	2,646,677	1,846,274
Other investments
FRB Stock	7,317	7,250
FHLB Stock	8,122	9,537
SBA Loan Fund	5,000	5,000
Disability Fund	500
Certificates of deposit		500
Accrued interest receivable	8,862	5,507
Financial liabilities:
Noninterest-bearing demand deposits	1,090,479	798,563
Money market and savings deposits	1,589,920	764,990
Time deposits	110,375	97,001
Federal Home Loan Bank of New York advances	144,000	185,000
Trust preferred securities payable	20,620	20,620
Subordinated debt, net of issuance cost	24,601	24,545
Accrued interest payable	1,229	1,282
Total Fair Value
Financial assets:
Cash and due from banks	10,176	9,246
Overnight deposits	381,045	223,704
Debt securities available for sale	234,942	30,439
Securities held to maturity	3,712	4,403
Equity investments	2,224	2,110
Loans, net	2,609,233	1,796,462
Other investments
Disability Fund	500
Certificates of deposit		500
Accrued interest receivable	8,862	5,507
Financial liabilities:
Noninterest-bearing demand deposits	1,090,479	798,563
Money market and savings deposits	1,589,920	764,990
Time deposits	110,800	96,859
Federal Home Loan Bank of New York advances	144,229	184,999
Trust preferred securities payable	20,011	19,821
Subordinated debt, net of issuance cost	25,375	25,125
Accrued interest payable	1,229	1,282
Fair Value, Inputs, Level 1
Financial assets:
Cash and due from banks	10,176	9,246
Overnight deposits	381,045	223,704
Equity investments	2,224	2,110
Financial liabilities:
Noninterest-bearing demand deposits	1,090,479	798,563
Money market and savings deposits	1,589,920	764,990
Accrued interest payable	14	13
Fair Value, Inputs, Level 2
Financial assets:
Debt securities available for sale	234,942	30,439
Securities held to maturity	3,712	4,403
Other investments
Disability Fund	500
Certificates of deposit		500
Accrued interest receivable	544	127
Financial liabilities:
Time deposits	110,800	96,859
Federal Home Loan Bank of New York advances	144,229	184,999
Subordinated debt, net of issuance cost	25,375	25,125
Accrued interest payable	1,009	1,044
Fair Value, Inputs, Level 3
Financial assets:
Loans, net	2,609,233	1,796,462
Other investments
Accrued interest receivable	8,318	5,380
Financial liabilities:
Trust preferred securities payable	20,011	19,821
Accrued interest payable	$ 206	$ 225

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This elements represents amount of SBA Loan Fund.

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Trust Preferred Securities.

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Fair value portion of amount due from customers or clients for goods or services, including trade receivables, that have been delivered or sold in the normal course of business, and amounts due from others, including related parties.

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Fair value portion of accrued expenses.

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Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.

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Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

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Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.

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A savings certificate entitling the Entity (that is, bearer) to receive interest at an established maturity date, based upon a fixed interest rate. A certificate of deposit may be issued in any denomination. Certificates of deposit are generally issued by commercial banks and, therefore, insured by the FDIC (up to the prescribed limit). Certificates of deposit generally restrict holders from withdrawing funds on demand without the incurrence of penalties. Generally, only certificates of deposit with original maturities of three months or less qualify as cash equivalents. Original maturity means original maturity to the entity holding the investment. As a related example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three-years ago does not become a cash equivalent when its remaining maturity is three months.

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Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts. Also includes amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written.

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Amount of investment in equity security measured at fair value with change in fair value recognized in net income (FV-NI).

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Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.

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Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).

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Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).

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Fair value of investment in debt security measured at amortized cost (held-to-maturity).

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Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.

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The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.

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Amount of time deposit liabilities, including certificates of deposit.

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