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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($)
$ in Thousands
Mar. 31, 2026
Dec. 31, 2025
ASSETS    
Cash $ 101,405 $ 109,833
Interest-bearing deposits in other financial institutions 85,999 79,721
Cash and cash equivalents 187,404 189,554
Available-for-sale securities 513,846 523,831
Held-to-maturity securities 177,594 179,200
Mortgage loans held for sale 6,823 6,838
Loans receivable, net of allowance for credit losses of $64,784 - March 2026; $64,771 - December 2025 4,456,639 4,356,853
Interest receivable 19,716 18,068
Prepaid expenses and other assets 124,023 128,615
Other real estate owned and repossessions, net 6,615 6,036
Premises and equipment, net 132,113 133,257
Goodwill and other intangible assets 9,552 9,660
Federal Home Loan Bank stock and other interest-earning assets 27,720 20,079
Current and deferred income taxes 25,277 26,615
Total Assets 5,687,322 5,598,606
Liabilities:    
Deposits 4,445,161 4,482,774
Securities sold under reverse repurchase agreements with customers 37,198 48,467
Short-term borrowings and other interest-bearing liabilities 470,660 330,928
Subordinated debentures issued to capital trust 25,774 25,774
Accrued interest payable 3,250 3,612
Advances from borrowers for taxes and insurance 9,021 5,781
Accrued expenses and other liabilities 55,011 56,596
Liability for unfunded commitments 7,617 8,548
Total Liabilities 5,053,692 4,962,480
Stockholders' Equity:    
Serial preferred stock, $.01 par value; authorized 1,000,000 shares; issued and outstanding March 2026 and December 2025 - - 0 - shares
Common stock, $.01 par value; authorized 20,000,000 shares; issued and outstanding March 2026 - 10,873,847 shares; December 2025 - 11,062,252 shares 83 111
Additional paid-in capital 56,126 54,120
Retained earnings 612,570 614,095
Accumulated other comprehensive loss (35,149) (32,200)
Total Stockholders' Equity 633,630 636,126
Total Liabilities and Stockholders' Equity $ 5,687,322 $ 5,598,606