Federal funds sold and other short term investments
652,136
724,943
679,858
653,530
Total cash and cash equivalents
696,639
768,108
730,427
695,556
Securities available for sale
303,241
300,746
310,418
319,872
Held to maturity securities (3,867 and 4,389 fair value at june 30, 2026 and december 31, 2025, respectively)
3,842
4,097
4,339
4,593
Federal home loan bank stock
6,756
6,601
6,601
6,601
New York And Other States
-
-
245,799
245,585
FL
-
-
49,308
48,470
Commercial Portfolio Segment-Commercial Real Estate
-
-
295,107
294,055
New York And Other States
-
-
17,841
17,436
FL
-
-
495
-
Commercial Other Receivable-Commercial Portfolio Segment
-
-
18,336
17,436
New York And Other States
-
-
2,794,515
2,767,044
FL
-
-
1,604,709
1,591,761
First Mortgage-Residential Mortgage
-
-
4,399,224
4,358,805
New York And Other States
-
-
46,421
45,611
FL
-
-
17,615
16,397
Home Equity Loan-Residential Mortgage
-
-
64,036
62,008
New York And Other States
-
-
265,060
258,629
Individually evaluated for impairment
26,986
26,448
-
-
FL
-
-
199,141
188,606
Home Equity-Residential Mortgage
-
-
464,201
447,235
New York And Other States
-
-
8,497
8,998
FL
-
-
3,059
3,233
Consumer Loan
-
-
11,556
12,231
Collectively evaluated for impairment
5,350,249
5,263,730
-
-
Loans, net of deferred costs
5,377,235
5,290,178
5,252,460
5,191,770
Collectively evaluated for impairment
54,082
52,994
52,205
51,891
Less allowance for credit losses on loans
54,082
52,994
52,205
51,891
Net loans
5,323,153
5,237,184
5,200,255
5,139,879
Total bank premises and equipment
-
-
139,722
-
Accumulated depreciation and amortization
-
-
99,015
-
Bank premises and equipment, net
42,273
41,071
40,707
39,718
Operating lease right-of-use assets
33,872
33,305
33,638
35,291
Other assets
115,137
116,767
114,315
107,514
Total assets
6,524,913
6,507,879
6,440,700
6,349,024
Demand
824,717
811,637
814,908
795,508
Interest-bearing checking
1,089,746
1,078,520
1,077,141
1,025,582
Savings accounts
1,076,934
1,070,319
1,069,564
1,063,763
Money market deposit accounts
438,799
442,760
457,389
455,488
Time deposits
2,251,370
2,249,117
2,138,415
2,140,932
Total deposits
5,681,566
5,652,353
5,557,417
5,481,273
Short-term borrowings
108,382
112,930
120,054
97,749
Operating lease liabilities
36,361
35,920
36,391
38,180
Accrued expenses and other liabilities
42,595
35,756
40,249
39,809
Total liabilities
5,868,904
5,836,959
5,754,111
5,657,011
Capital stock par value 1.00 30,000,000 shares authorized 20,118,509 shares issued at both june 30, 2026 and december 31, 2025, 17,027,740 and 18,029,107 shares outstanding at june 30, 2026 and december 31, 2025, respectively
20,119
20,119
20,119
20,103
Surplus
261,283
260,808
260,333
259,980
Undivided profits
499,997
489,540
479,996
471,314
Accumulated other comprehensive income, net of tax
6,967
8,241
10,024
2,955
Treasury stock at cost - 3,090,769 and 2,089,402 shares at june 30, 2026 and december 31, 2025, respectively
132,357
107,788
83,883
62,339
Total shareholders equity
656,009
670,920
686,589
692,013
Total liabilities and shareholders equity
6,524,913
6,507,879
6,440,700
6,349,024
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Time Plot
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