CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from financial institutions	$ 24,371	$ 17,365
Interest-earning deposits in other financial institutions	5,397	9,616
Total cash and cash equivalents	29,768	26,981
Equity investments, at estimated fair value	2,750	2,964
Securities available for sale, at estimated fair value	692,995	792,026
Securities held to maturity, estimated fair value of $2,938 at June 30, 2022   and $3,796 at December 31, 2021	2,943	3,790
FHLBNY and FRBNY Stock, at cost	5,897	4,218
Loans, net of deferred loan fees	1,617,562	1,518,249
Allowance for loan losses	(17,485)	(21,025)
Loans, net	1,600,077	1,497,224
Loans held for sale	0	396
Premises and equipment, net	16,812	17,969
Operating lease right-of-use assets	6,841	7,234
Goodwill	21,824	21,824
Other intangible assets, net	0	15
Bank-owned life insurance	2,847	2,825
Accrued interest receivable and other assets	67,157	41,009
Total assets	2,449,911	2,418,475
Deposits:
Non-interest-bearing	704,996	739,607
Interest-bearing	1,477,795	1,415,826
Total deposits	2,182,791	2,155,433
FHLBNY overnight advances	45,870	14,570
Long term finance lease obligation	3,461	3,594
Operating lease liabilities	6,998	7,378
Dividends payable	1,449	1,450
Accrued interest payable and other liabilities	34,652	24,595
Total liabilities	2,275,221	2,207,020
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized;   5,310,076 issued at June 30, 2022 and December 31, 2021	53	53
Additional paid-in capital	47,196	46,901
Retained earnings	200,870	188,877
Treasury stock, at cost; 635,547 shares at June 30, 2022 and 636,720   shares at December 31, 2021	(18,084)	(17,846)
Accumulated other comprehensive income (loss)	(55,345)	(6,530)
Total shareholders' equity	174,690	211,455
Total liabilities and shareholders' equity	$ 2,449,911	$ 2,418,475