Consolidated Statements of Cash Flows - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash Flows From Operating Activities:
Net income (loss)	$ 3,352,000	$ (30,001,000)	$ 25,415,000
Adjustments to reconcile net income (loss) to net cash (used in) provided by operating activities
Amortization of premiums/discounts on securities, net	(118,000)	342,000	120,000
Gain on sale of mortgage loans	(558,000)	(184,000)	(69,000)
Loss (gain) on sale of real property		436,000	(20,270,000)
Gain on derivatives		(22,000)	(172,000)
Grain (recoveries) write-off	(1,481,000)	17,940,000
(Benefit) provision for credit losses	973,000	24,046,000	2,717,000
Depreciation and amortization	4,526,000	4,266,000	2,473,000
ESOP compensation expense	1,142,000	1,372,000	1,395,000
Share-based compensation expense	1,886,000	1,567,000	1,405,000
Deferred income taxes	1,258,000	(7,939,000)	1,260,000
Changes in assets and liabilities:
(Increase) decrease in mortgage loans held for sale, at fair value	(7,403,000)	13,857,000	(18,759,000)
Increase in accrued interest receivable	(2,961,000)	(2,687,000)	(966,000)
Increase in other assets	(10,735,000)	(11,774,000)	(10,579,000)
Increase in accrued interest payable	10,575,000	1,162,000	168,000
Decrease in operating lease liabilities	(2,421,000)	(2,149,000)
Increase in advance payments by borrowers	1,054,000	2,067,000	638,000
Decrease in mortgage loan funding payable			(1,483,000)
Net increase (decrease) in other liabilities	7,404,000	(2,500,000)	(2,258,000)
Net cash provided by operating activities	6,493,000	9,799,000	18,553,000
Cash Flows From Investing Activities:
Proceeds from redemption of FHLBNY Stock	241,818,000	213,416,000	1,111,000
Purchases of FHLBNY Stock	(236,545,000)	(232,076,000)	(686,000)
Purchases of available-for-sale securities		(58,383,000)	(109,878,000)
Purchases of held-to-maturity securities	0	(528,929,000)
Proceeds from sale of available-for-sale securities			3,641,000
Proceeds from maturities, calls and principal repayments on securities	60,954,000	40,318,000	9,251,000
Placements with banks	1,245,000	996,000	249,000
Proceeds from sales of loans	2,779,000	9,665,000	14,382,000
Net increase in loans	(402,748,000)	(221,576,000)	(162,657,000)
Proceeds from sale of real property			37,619,000
Purchases of premises and equipment	(411,000)	(492,000)	(4,171,000)
Net cash used in investing activities	(332,908,000)	(777,061,000)	(211,139,000)
Cash Flows From Financing Activities:
Net increase in deposits	255,208,000	47,696,000	175,137,000
Funds received in connection with second-step conversion			122,000,000
Common stock issued from vesting of restricted stock units		2,000
Proceeds from issuance of preferred stock		225,000,000
Repurchase of treasury stock	(11,009,000)		(1,607,000)
Proceeds from the sale of treasury stock			4,743,000
Contribution to the Ponce De Leon Foundation		(1,000,000)
Net proceeds from borrowings	167,046,000	411,120,000	(11,000,000)
Net advances on warehouse lines of credit		(15,090,000)	(14,871,000)
Net cash (used in) provided by financing activities	411,245,000	667,728,000	274,402,000
Net increase (decrease) in cash and cash equivalents	84,830,000	(99,534,000)	81,816,000
Cash and Cash Equivalents, including restricted cash:
Beginning	54,360,000	153,894,000	72,078,000
Ending	139,190,000	54,360,000	153,894,000
Cash paid during the year:
Interest	50,026,000	14,987,000	8,084,000
Income taxes	$ 1,006,000	173,000	$ 5,970,000
Supplemental disclosure related to adoption of ASU 2016-02, detailed in Note 7:
ROU Assets		35,870,000
Operating lease liabilities		$ 36,681,000