CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from financial institutions		$ 52,563	$ 29,309
Interest-earning deposits in other financial institutions		23,017	26,560
Total cash and cash equivalents		75,580	55,869
Equity investments, at estimated fair value		2,811	2,830
Securities available for sale, at estimated fair value (amortized cost of $683,837, net of allowance for credit losses of $0 at September 30, 2023; and amortized cost of $729,198, net of allowance for credit losses on securities of $0 at December 31, 2022)		569,004	632,589
Securities held to maturity, estimated fair value of $1,779 at September 30, 2023 and $2,402 at December 31, 2022 (net of allowance for credit losses of $0 at September 30, 2023 and December 31, 2022, respectively)		1,804	2,424
FHLBNY and FRBNY Stock, at cost		4,053	8,197
Loans, net of deferred loan fees		1,930,688	1,829,448
Allowance for credit losses	[1]	(20,252)	(19,659)
Loans, net		1,910,436	1,809,789
Premises and equipment, net		15,036	16,113
Operating lease right-of-use assets		5,850	6,449
Goodwill		21,824	21,824
Bank-owned life insurance		2,903	2,871
Interest rate swap assets		32,923	27,141
Accrued interest receivable and other assets		65,610	59,457
Total assets		2,707,834	2,645,553
Deposits:
Non-interest-bearing		683,348	733,329
Interest-bearing		1,790,151	1,593,898
Total deposits		2,473,499	2,327,227
FHLBNY overnight advances		0	95,810
Long term finance lease obligation		3,120	3,327
Operating lease liabilities		6,028	6,620
Dividends payable		1,463	1,455
Interest rate swap liabilities		32,923	27,196
Accrued interest payable and other liabilities		20,737	17,530
Total liabilities		2,537,770	2,479,165
Shareholders' equity:
Common stock, $0.01 par value per share, 10,000,000 shares authorized;   5,310,076 issued at September 30, 2023 and December 31, 2022		53	53
Additional paid-in capital		47,974	47,331
Retained earnings		227,596	211,859
Treasury stock, at cost; 589,004 shares at September 30, 2023 and 615,448   shares at December 31, 2022		(16,880)	(17,598)
Accumulated other comprehensive loss		(88,679)	(75,257)
Total shareholders' equity		170,064	166,388
Total liabilities and shareholders' equity		$ 2,707,834	$ 2,645,553

[1] Effective January 1, 2023, the allowance calculation is based upon Current Expected Credit loss methodology. Prior to January 1, 2023, the allowance calculation was based upon incurred loss methodology. Refer to Note 1 for further discussion.