Interest-bearing deposits in other financial institutions
227,987
151,900
119,197
85,652
Total cash and cash equivalents
239,607
163,951
131,725
97,637
Trading securities
13,831
15,215
14,968
14,052
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at march31, 2026 and december31, 2025)
1,378,502
1,412,419
1,330,904
1,300,975
Gross unrealized gains
73
99
83
-
Gross unrealized losses
348
294
334
-
Estimated fair value
8,003
8,144
8,145
-
Debt securities held-to-maturity, at amortized cost (estimated fair value of 8,003 at march31, 2026, and 8,144 at december31, 2025, with no allowance for credit losses at march31, 2026 and december31, 2025)
8,278
8,339
8,396
8,454
Equity securities
5,000
5,000
5,000
6,278
Loans held-for-sale
-
0
0
0
Loans held-for-investment
3,807,957
3,856,773
3,900,346
3,920,613
Less allowance for credit losses
37,034
38,144
36,890
36,120
Net loans held-for-investment
3,770,923
3,818,629
3,863,456
3,884,493
Accrued interest receivable
20,087
20,118
19,411
19,241
Goodwill
-
0
41,012
41,012
Bank-owned life insurance
184,718
182,828
180,997
179,134
Federal home loan bank (fhlb) of new york stock, at cost
42,195
46,568
45,718
43,664
Operating lease right-of-use assets
24,588
25,789
24,959
26,157
Premises and equipment, net
19,383
19,938
20,369
20,842
Other assets
28,090
35,216
38,588
37,352
Total assets
5,735,202
5,754,010
5,725,503
5,679,291
Deposits
4,088,617
4,015,809
3,973,760
3,986,187
Fhlb advances and other borrowings
802,185
900,216
880,100
831,920
Subordinated debentures, net of issuance costs
61,721
61,665
61,610
61,554
Operating lease liabilities
28,348
29,643
28,919
30,286
Advance payments by borrowers for taxes and insurance
25,630
20,276
23,165
25,287
Accrued expenses and other liabilities
34,011
36,342
38,350
33,783
Total liabilities
5,040,512
5,063,951
5,005,904
4,969,017
Common stock, 0.01 par value 150,000,000 shares authorized, 64,770,875 shares issued at march31, 2026 and december31, 2025, 41,763,852 and 41,801,495 outstanding at march31, 2026 and december31, 2025, respectively
648
648
648
648
Additional paid-in-capital
593,135
592,473
591,219
590,264
Unallocated common stock held by employee stock ownership plan
11,523
11,728
12,393
12,612
Retained earnings
426,966
420,404
453,014
447,524
Accumulated other comprehensive loss
-6,571
-4,220
-5,611
-8,391
Treasury stock at cost 23,007,023 and 22,969,380 shares at march31, 2026 and december31, 2025, respectively
307,965
307,518
307,278
307,159
Total stockholders equity
694,690
690,059
719,599
710,274
Total liabilities and stockholders equity
5,735,202
5,754,010
5,725,503
5,679,291
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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