Concentration of Credit Risk	12 Months Ended
Dec. 31, 2022
Notes to Financial Statements.
Concentration of Credit Risk	18. Concentration of Credit Risk The Company’s lending is concentrated in the New York City metropolitan area. The Company evaluates each customer’s creditworthiness on a case-by-case basis under the Company’s established underwriting policies. The collateral obtained by the Company generally consists of first liens on one-to-four family residential, multi-family residential, and commercial real estate. The largest amount the Bank could lend to one borrower was approximately $137.3 million and $126.0 million at December 31, 2022 and 2021, respectively. The Bank’s largest aggregate amount of outstanding loans to one borrower was $109.4 million, and $93.8 million at December 31, 2022 and 2021, respectively, all of which were performing according to their terms.

The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-URI https://asc.fasb.org/topic&trid=2134479

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