Interest-earning deposits in other financial institutions
44,119
25,691
27,325
75,201
Total cash and cash equivalents
73,113
53,370
50,097
107,646
Equity investments, at estimated fair value
3,605
3,776
3,765
3,616
Securities available for sale, at estimated fair value (amortized cost of 316,202, at june30, 2026 and 327,888 at december 31, 2025, net of allowance for credit losses of 0 at june30, 2026 and december 31, 2025, respectively)
269,043
275,318
280,598
280,514
Securities held to maturity, at amortized cost (estimated fair value of 1,560 at june30, 2026 and 640 at december 31, 2025, net of allowance for credit losses of 0 at june30, 2026 and december 31, 2025, respectively)
1,560
640
640
680
Fhlbny and frbny stock, at cost
9,690
8,964
9,466
5,524
Loans, net of deferred loan fees
2,367,151
2,311,705
2,269,561
2,202,356
Allowance for credit losses
25,232
24,890
24,209
23,645
Loans, net
2,341,919
2,286,815
2,245,352
2,178,711
Loans held for sale
2,427
2,708
2,102
3,075
Premises and equipment, net
14,887
15,050
15,401
15,376
Operating lease right-of-use assets
5,242
5,485
4,755
4,943
Goodwill
21,824
21,824
21,824
21,824
Bank-owned life insurance
2,718
2,711
2,984
2,976
Interest rate swap assets
17,548
16,671
17,280
17,966
Accrued interest receivable and other assets
56,626
55,390
55,971
53,783
Total assets
2,820,202
2,748,722
2,710,235
2,696,634
Non interest-bearing
681,912
641,039
624,532
633,216
Interest-bearing
1,682,022
1,672,857
1,646,142
1,725,300
Total deposits
2,363,934
2,313,896
2,270,674
2,358,516
Overnight and short-term advances
89,590
75,710
87,110
0
Subordinated debt, net of issuance costs of 921 and 972, respectively
44,079
44,054
-
44,002
Long-term finance lease obligation
3,265
3,356
3,444
3,530
Operating lease liabilities
5,440
5,679
4,937
5,124
Interest rate swap liabilities
17,612
16,798
17,412
18,056
Accrued interest payable and other liabilities
25,921
26,300
27,921
22,098
Total liabilities
2,549,841
2,485,793
2,455,526
2,451,326
Common stock, 0.01 par value per share, 10,000,000 shares authorized 5,310,076 issued at june30, 2026 and december 31, 2025
53
53
53
53
Additional paid-in capital
49,638
49,194
49,547
49,027
Retained earnings
271,216
264,044
256,484
250,373
Treasury stock, at cost 489,798 shares at june30, 2026 and 519,079 shares at december 31, 2025
14,601
14,638
15,322
15,069
Accumulated other comprehensive loss
-35,945
-35,724
-36,053
-39,076
Total shareholders' equity
270,361
262,929
254,709
245,308
Total liabilities and shareholders' equity
2,820,202
2,748,722
2,710,235
2,696,634
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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