FAIR VALUE OF FINANCIAL INSTRUMENTS (Carrying Amount and Estimated Fair Values of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial assets:
Securities available for sale	$ 445,747	$ 566,624
Securities held to maturity	437,300	380,100
Other investments
FRB Stock	11,400	7,400
FHLB Stock	9,200	3,100
Financial liabilities:
Noninterest-bearing demand deposits	2,422,151	3,668,673
Time deposits	52,063	78,986
Federal funds purchased	150,000
Federal Home Loan Bank of New York advances	100,000
Carrying Amount
Financial assets:
Cash and due from banks	26,780	28,864
Overnight deposits	230,638	2,330,486
Securities held to maturity	510,425	382,099
Loans, net	4,840,523	3,697,200
Other investments
FRB Stock	11,421	7,430
FHLB Stock	9,191	3,070
Disability Fund	1,000	1,000
Time deposits at banks	498
CRA - CD		498
Receivables from prepaid card programs, net	85,605	39,864
Accrued interest receivable	24,107	15,195
Financial liabilities:
Noninterest-bearing demand deposits	2,422,151	3,668,673
Money market and savings deposits	2,803,698	2,687,913
Time deposits	52,063	78,986
Federal funds purchased	150,000
Federal Home Loan Bank of New York advances	100,000
Trust preferred securities payable	20,620	20,620
Subordinated debt, net of issuance cost		24,712
Prepaid debit cardholder balances	10,579	8,847
Accrued interest payable	728	746
Secured Borrowings	7,725	32,461
Total Fair Value
Financial assets:
Cash and due from banks	26,780	28,864
Overnight deposits	230,638	2,330,486
Securities held to maturity	437,290	380,108
Loans, net	4,737,007	3,721,619
Other investments
Disability Fund	1,000	1,000
Time deposits at banks	498
CRA - CD		498
Receivables from prepaid card programs, net	85,605	39,864
Accrued interest receivable	24,107	15,195
Financial liabilities:
Noninterest-bearing demand deposits	2,422,151	3,668,673
Money market and savings deposits	2,803,698	2,687,913
Time deposits	51,058	79,187
Federal funds purchased	150,000
Federal Home Loan Bank of New York advances	100,000
Trust preferred securities payable	19,953	19,997
Subordinated debt, net of issuance cost		25,125
Prepaid debit cardholder balances	10,579	8,847
Accrued interest payable	728	746
Secured Borrowings	7,725	32,507
Fair Value, Inputs, Level 1
Financial assets:
Cash and due from banks	26,780	28,864
Overnight deposits	230,638	2,330,486
Other investments
Time deposits at banks	498
CRA - CD		498
Financial liabilities:
Noninterest-bearing demand deposits	2,422,151	3,668,673
Money market and savings deposits	2,803,698	2,687,913
Accrued interest payable	112	5
Fair Value, Inputs, Level 2
Financial assets:
Securities held to maturity	437,290	380,108
Other investments
Disability Fund	1,000	1,000
Accrued interest receivable	964	892
Financial liabilities:
Time deposits	51,058	79,187
Federal funds purchased	150,000
Federal Home Loan Bank of New York advances	100,000
Subordinated debt, net of issuance cost		25,125
Accrued interest payable	293	633
Secured Borrowings	7,725	32,507
Fair Value, Inputs, Level 3
Financial assets:
Loans, net	4,737,007	3,721,619
Other investments
Receivables from prepaid card programs, net	85,605	39,864
Accrued interest receivable	23,143	14,303
Financial liabilities:
Trust preferred securities payable	19,953	19,997
Prepaid debit cardholder balances	10,579	8,847
Accrued interest payable	$ 323	$ 108

The fair value portion of investment under Community Reinvestment Act.

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Amount of prepaid debit card holder balance.

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The fair value of secured borrowings as at the end of the reporting period.

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Trust Preferred Securities.

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Fair value portion of amount due from customers or clients for goods or services, including trade receivables, that have been delivered or sold in the normal course of business, and amounts due from others, including related parties.

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Fair value portion of accrued expenses.

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Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.

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Amount of investment in debt security measured at fair value with change in fair value recognized in other comprehensive income (available-for-sale).

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Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.

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Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts. Also includes amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written.

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Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.

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Amount of short term borrowing where a bank borrows, at the federal funds rate, from another bank.

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Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).

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Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).

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Fair value of investment in debt security measured at amortized cost (held-to-maturity).

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For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.

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The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.

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