Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 14,575	$ 13,889
Interest-bearing deposits in other financial institutions	138,914	215,617
Total cash and cash equivalents	153,489	229,506
Trading securities	12,939	12,549
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at June 30, 2024 and December 31, 2023)	1,119,439	795,464
Debt securities held-to-maturity, at amortized cost (estimated fair value of $9,364 at June 30, 2024, and $9,586 at December 31, 2023, with no allowance for credit losses at June 30, 2024 and December 31, 2023)	9,749	9,866
Equity securities	13,964	10,629
Loans held-for-investment	4,091,220	4,203,654
Less: allowance for credit losses	(34,780)	(37,535)
Net loans held-for-investment	4,056,440	4,166,119
Accrued interest receivable	19,343	18,491
Bank-owned life insurance	173,483	171,543
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	41,785	39,667
Operating lease right-of-use assets	29,305	30,202
Premises and equipment, net	23,628	24,771
Goodwill	41,012	41,012
Other assets	51,785	48,577
Total assets	5,746,361	5,598,396
LIABILITIES:
Deposits	3,798,474	3,878,435
Securities sold under agreements to repurchase	0	25,000
FHLB advances and other borrowings	1,089,727	834,272
Subordinated debentures, net of issuance costs	61,331	61,219
Operating lease liabilities	34,035	35,205
Advance payments by borrowers for taxes and insurance	26,113	25,102
Accrued expenses and other liabilities	43,657	39,718
Total liabilities	5,053,337	4,898,951
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 June 30, 2024 and December 31, 2023, 43,466,961 and 44,524,929 outstanding at June 30, 2024 and December 31, 2023, respectively	648	648
Additional paid-in-capital	589,349	590,973
Unallocated common stock held by employee stock ownership plan	(13,909)	(14,340)
Retained earnings	434,310	433,227
Accumulated other comprehensive loss	(29,401)	(32,442)
Treasury stock at cost: 21,303,914 and 20,245,946 shares at June 30, 2024 and December 31, 2023, respectively	(287,973)	(278,621)
Total stockholders’ equity	693,024	699,445
Total liabilities and stockholders’ equity	$ 5,746,361	$ 5,598,396