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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Sep. 30, 2025
Dec. 31, 2024
ASSETS    
Cash $ 94,106 $ 109,366
Interest-bearing deposits in other financial institutions 102,129 86,390
Cash and cash equivalents 196,235 195,756
Available-for-sale securities 531,348 533,373
Held-to-maturity securities 181,315 187,433
Mortgage loans held for sale 5,593 6,937
Loans receivable, net of allowance for credit losses of $64,749 - September 2025; $64,760 - December 2024 4,467,683 4,690,393
Interest receivable 19,931 20,430
Prepaid expenses and other assets 133,412 136,594
Other real estate owned and repossessions, net 6,083 5,993
Premises and equipment, net 133,769 132,466
Goodwill and other intangible assets 9,769 10,094
Federal Home Loan Bank stock and other interest-earning assets 25,603 28,392
Current and deferred income taxes 27,126 33,767
Total Assets 5,737,867 5,981,628
Liabilities:    
Deposits 4,528,033 4,605,549
Securities sold under reverse repurchase agreements with customers 42,674 64,444
Short-term borrowings and other interest-bearing liabilities 425,907 514,247
Subordinated debentures issued to capital trust 25,774 25,774
Subordinated notes   74,876
Accrued interest payable 3,909 12,761
Advances from borrowers for taxes and insurance 9,904 5,272
Accrued expenses and other liabilities 61,074 70,634
Liability for unfunded commitments 7,666 8,503
Total Liabilities 5,104,941 5,382,060
Stockholders' Equity:    
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding September 2025 and December 2024 - - 0 - shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding September 2025 - 11,265,937 shares; December 2024 - 11,723,548 shares 113 117
Additional paid-in capital 52,855 50,336
Retained earnings 615,837 603,477
Accumulated other comprehensive loss (35,879) (54,362)
Total Stockholders' Equity 632,926 599,568
Total Liabilities and Stockholders' Equity $ 5,737,867 $ 5,981,628