Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 163,657	$ 90,485
Federal funds sold	151,374	182,106
Total cash and cash equivalents	315,031	272,591
Available-for-sale securities, at fair value	207,169	189,465
Loans receivable	3,954,623	3,889,279
Allowance for credit losses	(34,306)	(32,222)
Net Loans	3,920,317	3,857,057
Accrued interest receivable	17,843	17,284
Banking premises and equipment, net	35,106	35,531
Federal Home Loan Bank stock, at cost	4,357	14,558
Federal Reserve Bank stock, at cost	10,319	10,323
Non-public investments	13,619	13,852
Bank-owned life insurance ("BOLI")	50,917	50,516
Prepaid expenses and other assets	56,289	53,109
Deferred income tax asset, net	19,052	19,126
Total assets	4,650,019	4,533,412
Liabilities and shareholders' equity
Deposits	3,772,053	3,387,348
Mortgagors' escrow accounts	4,300	4,229
FHLB borrowings	60,837	283,338
Accrued expenses and other liabilities	60,760	81,325
Accrued retirement liabilities	18,231	19,213
Total liabilities	3,916,181	3,775,453
Shareholders' equity:
Preferred stock, $0.01 par value, 5,000,000 shares authorized; no shares issued and outstanding	0	0
Common stock, $0.01 par value, 120,000,000 shares authorized; 42,705,729 shares issued and outstanding	427	427
Additional paid-in capital	416,812	417,030
Unallocated common shares held by the Employee Stock Ownership Plan	(46,590)	(13,774)
Retained earnings	374,874	366,173
Accumulated other comprehensive loss	(11,685)	(11,897)
Total shareholders' equity	733,838	757,959
Total liabilities and shareholders' equity	$ 4,650,019	$ 4,533,412