CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash	$ 90,349	$ 102,529
Interest-bearing deposits in other financial institutions	81,098	108,804
Cash and cash equivalents	171,447	211,333
Available-for-sale securities	465,308	478,207
Held-to-maturity securities	193,366	195,023
Mortgage loans held for sale	10,905	5,849
Loans receivable, net of allowance for credit losses of $65,087 - March 2024; $64,670 - December 2023	4,586,253	4,589,620
Interest receivable	21,639	21,206
Prepaid expenses and other assets	131,458	106,225
Other real estate owned and repossessions, net	1,042	23
Premises and equipment, net	136,276	138,591
Goodwill and other intangible assets	10,419	10,527
Federal Home Loan Bank stock and other interest-earning assets	16,887	26,313
Current and deferred income taxes	32,176	29,485
Total Assets	5,777,176	5,812,402
Liabilities:
Deposits	4,773,397	4,721,708
Securities sold under reverse repurchase agreements with customers	72,778	70,843
Short-term borrowings and other interest-bearing liabilities	181,347	252,610
Subordinated debentures issued to capital trust	25,774	25,774
Subordinated notes	74,653	74,579
Accrued interest payable	8,135	6,225
Advances from borrowers for taxes and insurance	6,359	4,946
Accrued expenses and other liabilities	61,954	76,401
Liability for unfunded commitments	7,617	7,487
Total Liabilities	5,212,014	5,240,573
Stockholders' Equity:
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding March 2024 and December 2023 - - 0- shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding March 2024 - 11,699,356 shares; December 2023 - 11,804,430 shares	117	118
Additional paid-in capital	44,807	44,320
Retained earnings	572,747	569,872
Accumulated other comprehensive loss	(52,509)	(42,481)
Total Stockholders' Equity	565,162	571,829
Total Liabilities and Stockholders' Equity	$ 5,777,176	$ 5,812,402