Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS:
Cash and due from banks	$ 13,258	$ 14,530
Interest-bearing deposits in other financial institutions	67,298	31,269
Total cash and cash equivalents	80,556	45,799
Trading securities	11,504	10,751
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at September 30, 2023 and December 31, 2022)	743,699	952,173
Debt securities held-to-maturity, at amortized cost (estimated fair value of $9,371 at September 30, 2023, and $10,389 at December 31, 2022, with no allowance for credit losses at September 30, 2023 and December 31, 2022)	10,114	10,760
Equity securities	10,628	10,443
Loans held-for-sale	950	0
Loans held-for-investment	4,229,974	4,243,693
Less: allowance for credit losses	(38,480)	(42,617)
Net loans held-for-investment	4,191,494	4,201,076
Accrued interest receivable	17,355	17,426
Bank-owned life insurance	170,591	167,912
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	41,165	30,382
Operating lease right-of-use assets	31,407	34,288
Premises and equipment, net	24,154	24,844
Goodwill	41,012	41,012
Other assets	62,455	54,427
Total assets	5,437,084	5,601,293
LIABILITIES:
Deposits	3,668,513	4,150,219
Securities sold under agreements to repurchase	25,000	25,000
FHLB advances and other borrowings	893,973	558,859
Subordinated debentures, net of issuance costs	61,163	60,996
Operating lease liabilities	36,535	39,790
Advance payments by borrowers for taxes and insurance	25,968	25,995
Accrued expenses and other liabilities	41,857	39,044
Total liabilities	4,753,009	4,899,903
STOCKHOLDERS’ EQUITY:
Preferred stock, $0.01 par value: 25,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value: 150,000,000 shares authorized, 64,770,875 shares issued at September 30, 2023 and December 31, 2022, 44,956,118 and 47,442,488 outstanding at September 30, 2023 and December 31, 2022, respectively	648	648
Additional paid-in-capital	590,018	590,249
Unallocated common stock held by employee stock ownership plan	(14,958)	(15,650)
Retained earnings	430,535	418,353
Accumulated other comprehensive loss	(47,983)	(48,331)
Treasury stock at cost: 19,814,757 and 17,328,387 shares at September 30, 2023 and December 31, 2022, respectively	(274,185)	(243,879)
Total stockholders’ equity	684,075	701,390
Total liabilities and stockholders’ equity	$ 5,437,084	$ 5,601,293