Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Interest and dividend income
Interest and fees on loans	$ 85,377	$ 69,192	$ 168,266	$ 136,708
Interest and dividends on securities:
Interest	9,172	4,929	16,412	8,674
Dividends	30	11	59	19
Other interest income	1,982	159	3,941	210
Total interest and dividend income	96,561	74,291	188,678	145,611
Interest expense
Deposits	46,249	4,686	85,305	8,094
Other interest expense	6,934	4,875	14,733	9,308
Total interest expense	53,183	9,561	100,038	17,402
Net interest income	43,378	64,730	88,640	128,209
Provision for credit losses	1,416	1,590	8,924	2,948
Net interest income after provision for credit losses	41,962	63,140	79,716	125,261
Non-interest income
Banking services fee income	1,780	1,166	3,191	2,540
Net gain on sale of loans	54	73	108	73
Net gain from fair value adjustments	294	2,533	2,913	724
Federal Home Loan Bank of New York stock dividends	534	407	1,231	804
Life insurance proceeds	561	1,536	561	1,536
Bank owned life insurance	1,134	1,115	2,243	2,229
Other income	663	523	1,630	760
Total non-interest income	5,020	7,353	11,877	8,666
Non-interest expense
Salaries and employee benefits	19,690	21,109	42,252	44,758
Occupancy and equipment	3,534	3,760	7,327	7,364
Professional services	2,291	2,285	4,552	4,507
FDIC deposit insurance	943	615	1,920	1,035
Data processing	1,473	1,383	2,908	2,807
Depreciation and amortization of bank premises and equipment	1,482	1,447	2,992	2,907
Other real estate owned / foreclosure expense	150	32	315	116
Other operating expenses	5,547	4,891	12,000	10,822
Total non-interest expense	35,110	35,522	74,266	74,316
Income before income taxes	11,872	34,971	17,327	59,611
Provision for income taxes
Federal	2,218	5,609	3,289	10,259
State and local	968	4,327	1,308	6,098
Total provision for income taxes	3,186	9,936	4,597	16,357
Net income	$ 8,686	$ 25,035	$ 12,730	$ 43,254
Basic earnings per common share	$ 0.29	$ 0.81	$ 0.42	$ 1.39
Diluted earnings per common share	0.29	0.81	0.42	1.39
Dividends per common share	$ 0.22	$ 0.22	$ 0.44	$ 0.44