CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from financial institutions	$ 29,309	$ 17,365
Interest-earning deposits in other financial institutions	26,560	9,616
Total cash and cash equivalents	55,869	26,981
Equity investments, at fair value	2,830	2,964
Securities available for sale, at estimated fair value	632,589	792,026
Securities held to maturity	2,424	3,790
FHLBNY and FRBNY Stock, at cost	8,197	4,218
Loans, net of deferred loan fees	1,829,448	1,518,249
Allowance for loan losses	(19,659)	(21,025)
Total ending loans balance	1,809,789	1,497,224
Loans held for sale	0	396
Premises and equipment, net	16,113	17,969
Operating lease right-of-use assets	6,449	7,234
Goodwill	21,824	21,824
Other intangible assets, net	0	15
Bank owned life insurance	2,871	2,825
Derivative assets	27,141	9,270
Accrued interest and other assets	59,457	31,739
Total assets	2,645,553	2,418,475
Deposits:
Non-interest-bearing	733,329	739,607
Interest-bearing	1,593,898	1,415,826
Total deposits	2,327,227	2,155,433
FHLBNY overnight advances	95,810	14,570
Capital lease obligation	3,327	3,594
Operating lease liabilities	6,620	7,378
Dividends payable	1,455	1,450
Derivative liabilities	27,196	9,498
Accrued interest payable and other liabilities	17,530	15,097
Total liabilities	2,479,165	2,207,020
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized;   5,310,076 issued at December 31, 2022 and December 31, 2021	53	53
Additional-paid-in capital	47,331	46,901
Retained earnings	211,859	188,877
Treasury stock, at cost (615,448 shares at December 31, 2022; 636,720   shares at December 31, 2021)	(17,598)	(17,846)
Accumulated other comprehensive (loss) income	(75,257)	(6,530)
Total shareholders' equity	166,388	211,455
Total liabilities and shareholders' equity	$ 2,645,553	$ 2,418,475