Investment securities available for sale, at fair value
4,366
4,746
5,066
4,917
Investment securities held to maturity, net of allowance for credit losses
8,760
8,777
8,793
9,084
Total investment securities
13,126
13,523
13,859
14,001
Loans, net of unearned income
2,043,296
2,035,227
1,960,153
1,934,786
Less allowance for credit losses
34,921
34,649
33,904
33,770
Net loans
2,008,375
2,000,578
1,926,249
1,901,016
Accrued interest receivable
11,504
11,257
10,677
10,166
Property, plant and equipment, gross
-
12,979
-
-
Less accumulated depreciation and amortization
-
7,473
-
-
Premises and equipment, net
5,462
5,506
5,573
5,581
Restricted stock
8,566
8,085
5,366
6,691
Bank owned life insurance (boli)
35,541
35,320
32,947
29,404
Deferred tax asset
10,720
10,719
9,074
9,083
Other real estate owned (oreo)
2,862
2,862
1,562
1,562
Other
5,905
4,723
7,514
8,574
Total assets
2,212,935
2,249,436
2,172,134
2,170,332
Noninterest-bearing deposits
164,105
196,506
184,771
188,738
Interest-bearing deposits
1,534,639
1,562,163
1,567,810
1,504,724
Total deposits
1,698,744
1,758,669
1,752,581
1,693,462
Fhlbny borrowings
140,000
130,000
70,000
100,000
Subordinated debentures
13,403
13,403
13,403
43,395
Accrued interest payable
4,650
4,575
5,189
6,786
Accrued liabilities and other liabilities
-
18,271
-
-
Other
20,575
-
16,124
14,533
Total liabilities
1,877,372
1,924,918
1,857,297
1,858,176
Preferred stock, 1,000,000 shares authorized, 1,000 liquidation value series b non-cumulative convertible 325 shares outstanding at march 31, 2026 and december 31, 2025
325
325
325
325
Common stock, 0.10 par value authorized 15,000,000 shares issued 12,515,472 shares and 12,425,768 shares at march 31, 2026 and december 31, 2025, respectively
1,252
1,243
1,237
1,233
Additional paid-in capital
140,587
139,268
138,607
138,014
Retained earnings
207,391
197,671
188,684
180,141
Accumulated other comprehensive loss
-203
-200
-227
-251
Treasury stock, 784,522 shares at march 31, 2026 and december 31, 2025, at cost
13,789
13,789
13,789
7,306
Total shareholders equity
335,563
324,518
314,837
312,156
Total liabilities and shareholders' equity
2,212,935
2,249,436
2,172,134
2,170,332
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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