Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest and dividend income
Interest and fees on loans	$ 91,466	$ 75,546	$ 259,732	$ 212,254
Interest and dividends on securities:
Interest	10,383	5,676	26,795	14,350
Dividends.	33	17	92	36
Other interest income	2,154	506	6,095	716
Total interest and dividend income	104,036	81,745	292,714	227,356
Interest expense
Deposits	50,066	11,965	135,371	20,059
Other interest expense	9,543	8,574	24,276	17,882
Total interest expense	59,609	20,539	159,647	37,941
Net interest income	44,427	61,206	133,067	189,415
Provision for credit losses	596	2,145	9,520	5,093
Net interest income after provision for credit losses	43,831	59,061	123,547	184,322
Non-interest income
Banking services fee income	2,636	1,351	5,827	3,891
Net gain on sale of loans			108	73
Net (loss) gain from fair value adjustments	(1,246)	5,626	1,667	6,350
Federal Home Loan Bank of New York stock dividends	624	538	1,855	1,342
Life insurance proceeds	23		584	1,536
Bank owned life insurance	1,157	1,132	3,400	3,361
Other income	115	348	1,745	1,108
Total non-interest income	3,309	8,995	15,186	17,661
Non-interest expense
Salaries and employee benefits	20,346	21,438	62,598	66,196
Occupancy and equipment	3,371	3,541	10,698	10,905
Professional services	2,494	2,570	7,046	7,077
FDIC deposit insurance	912	738	2,832	1,773
Data processing	1,422	1,367	4,330	4,174
Depreciation and amortization of bank premises and equipment	1,482	1,488	4,474	4,395
Other real estate owned / foreclosure expense	185	143	500	259
Other operating expenses	6,176	4,349	18,176	15,171
Total non-interest expense	36,388	35,634	110,654	109,950
Income before income taxes	10,752	32,422	28,079	92,033
Provision for income taxes
Federal	2,029	5,783	5,318	16,042
State and local	888	3,197	2,196	9,295
Total provision for income taxes	2,917	8,980	7,514	25,337
Net income	$ 7,835	$ 23,442	$ 20,565	$ 66,696
Basic earnings per common share	$ 0.26	$ 0.76	$ 0.69	$ 2.15
Diluted earnings per common share	0.26	0.76	0.69	2.15
Dividends per common share	$ 0.22	$ 0.22	$ 0.66	$ 0.66