Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income
Interest and fees on loans	$ 92,959	$ 82,889
Interest and dividends on securities:
Interest	12,541	7,240
Dividends	33	29
Other interest income	3,966	1,959
Total interest and dividend income	109,499	92,117
Interest expense
Deposits	57,865	39,056
Other interest expense	9,237	7,799
Total interest expense	67,102	46,855
Net interest income	42,397	45,262
Provision (benefit) for credit losses	592	7,508
Net interest income after provision (benefit) for credit losses	41,805	37,754
Non-interest income
Banking services fee income	1,394	1,411
Net gain (loss) on sale of loans	110	54
Net gain (loss) from fair value adjustments	(834)	2,619
Federal Home Loan Bank of New York stock dividends	743	697
Bank owned life insurance	1,200	1,109
Other income	471	967
Total non-interest income (loss)	3,084	6,857
Non-interest expense
Salaries and employee benefits	22,113	22,562
Occupancy and equipment	3,779	3,793
Professional services	2,792	2,261
FDIC deposit insurance	1,652	977
Data processing	1,727	1,435
Depreciation and amortization of bank premises and equipment	1,457	1,510
Other real estate owned / foreclosure expense	145	165
Other operating expenses	6,227	6,453
Total non-interest expense	39,892	39,156
Income before income taxes	4,997	5,455
Provision for income taxes
Federal	901	1,071
State and local	412	340
Total provision for income taxes	1,313	1,411
Net income	$ 3,684	$ 4,044
Basic earnings per common share	$ 0.12	$ 0.13
Diluted earnings per common share	$ 0.12	$ 0.13