Available-for-sale securities, at fair value (note 3)
87,150
92,196
94,822
96,562
Held-to-maturity securities, net of allowance for credit losses of 211 at march 31, 2026 and 236 at december 31, 2025 at amortized cost (fair value at march 31, 2026 258,007 and at december 31. 2025 268,875) (note 3)
263,514
272,982
285,125
336,879
Placements with banks
-
249
-
-
Placement with banks
249
-
249
249
Mortgage loans held for sale, at fair value (note 4)
2,127
3,388
5,794
5,703
Loans, gross
2,725,918
2,624,910
2,514,459
-
Net deferred loan origination fees
-1,031
-203
351
-
Allowance for credit losses
26,238
25,449
24,764
-
Loans receivable, net of allowance for credit losses of 26,238 at march 31, 2026 and 25,449 at december 31, 2025 (note 5)
2,698,649
2,599,258
2,490,046
2,458,712
Accrued interest receivable
19,274
17,905
18,903
19,126
Property, plant and equipment, gross
-
32,868
-
-
Less accumulated depreciation and amortization
-
17,230
-
-
Premises and equipment, net
15,159
15,638
16,129
16,067
Right of use assets (note 6)
27,633
27,583
28,295
28,806
Federal home loan bank of new york (fhlbny) stock, at cost
28,180
29,309
25,945
26,620
Federal reserve bank of new york (frbny) stock, at cost
10,706
10,698
-
-
Deferred tax assets
11,729
11,501
12,402
12,143
Other assets
19,141
17,109
32,790
26,363
Total assets
3,300,757
3,223,970
3,157,079
3,153,869
Deposits (note 7)
2,133,795
2,046,635
2,063,081
2,042,209
Borrowings (note 8)
571,100
596,100
521,100
536,100
Operating lease liabilities
29,429
29,353
30,028
30,501
Accrued interest payable
4,338
3,788
4,372
4,161
Advance payments by borrowers for taxes and insurance
-
-
-
10,942
Other liabilities
10,732
6,545
8,663
8,868
Total liabilities
2,749,394
2,682,421
2,627,244
2,632,781
Preferred stock, 0.01 par value 100,000,000 shares authorized series a, senior non-cumulative perpetual, 1,000 per share liquidation preference, 225,000 shares issued and outstanding as of march 31, 2026 and december 31, 2025
225,000
225,000
225,000
225,000
Common stock, 0.01 par value 200,000,000 shares authorized 24,886,711 shares issued at both march 31, 2026 and december 31, 2025 24,187,901 shares outstanding as of march 31, 2026 and 24,135,926 shares outstanding as of december 31, 2025
249
249
249
249
Treasury stock, at cost 698,810 shares as of march 31, 2026 and 750,785 shares as of december 31, 2025
5,738
6,164
7,270
7,404
Additional paid-in-capital
209,219
208,604
208,909
208,275
Retained earnings
143,674
135,332
125,477
119,250
Accumulated other comprehensive loss (note 13)
-10,680
-10,820
-11,586
-13,047
Unearned compensation - esop 1,134,808 shares as of march 31, 2026 and 1,168,244 shares as of december 31, 2025
10,361
10,652
10,944
11,235
Total stockholders' equity
551,363
541,549
529,835
521,088
Total liabilities and stockholders' equity
3,300,757
3,223,970
3,157,079
3,153,869
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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