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Loans (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Receivables [Abstract] |
Past Due Financing Receivables | The following table presents loan balances outstanding as of December 31, 2024 and December 31, 2023 and an analysis of the recorded investment in loans that are past due at these dates. Loans held-for-sale of $759 and $165 as of December 31, 2024, and December 31, 2023, respectively, are included in the residential real estate balances for current loans.
Schedule of Past Due Loans by Loan Category
|  |  | Commercial |  |  |  |  |  |
| Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |
Loans Past Due 30-59 Days | $ | 355 |  |  | $ | — |  |  | $ | 11,211 |  |  | $ | 391 |  |  | $ | 11,957 |
Loans Past Due 60-89 Days | 156 |  |  | 318 |  |  | 5,417 |  |  | 2,685 |  |  | 8,576 |
Loans Past Due 90 or More Days | 102 |  |  | 14,902 |  |  | 2,225 |  |  | 2,239 |  |  | 19,468 |
Total Loans Past Due | 613 |  |  | 15,220 |  |  | 18,853 |  |  | 5,315 |  |  | 40,001 |
Current Loans | 158,378 |  |  | 781,145 |  |  | 1,100,128 |  |  | 1,314,889 |  |  | 3,354,540 |
Total Loans | $ | 158,991 |  |  | $ | 796,365 |  |  | $ | 1,118,981 |  |  | $ | 1,320,204 |  |  | $ | 3,394,541 |
December 31, 2023 |  |  |  |  |  |  |  |  |
Loans Past Due 30-59 Days | $ | 298 |  |  | $ | — |  |  | $ | 13,511 |  |  | $ | 3,715 |  |  | $ | 17,524 |
Loans Past Due 60-89 Days | 21 |  |  | 636 |  |  | 5,579 |  |  | 861 |  |  | 7,097 |
Loans Past Due 90 or More Days | 30 |  |  | 15,308 |  |  | 1,801 |  |  | 3,140 |  |  | 20,279 |
Total Loans Past Due | 349 |  |  | 15,944 |  |  | 20,891 |  |  | 7,716 |  |  | 44,900 |
Current Loans | 155,875 |  |  | 729,543 |  |  | 1,090,776 |  |  | 1,191,814 |  |  | 3,168,008 |
Total Loans | $ | 156,224 |  |  | $ | 745,487 |  |  | $ | 1,111,667 |  |  | $ | 1,199,530 |  |  | $ | 3,212,908 |
Schedule of Non Accrual Loans by Category
|  |  | Commercial |  |  |  |  |  |
December 31, 2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Loans 90 or More Days Past Due and Still Accruing Interest | $ | — |  |  | $ | — |  |  | $ | 19 |  |  | $ | 379 |  |  | $ | 398 |
Nonaccrual Loans | 102 |  |  | 14,902 |  |  | 2,241 |  |  | 3,376 |  |  | 20,621 |
Nonaccrual With No Allowance for Credit Loss | 102 |  |  | 14,902 |  |  | 2,241 |  |  | 3,376 |  |  | 20,621 |
Interest Income on Nonaccrual Loans | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2023 |  |  |  |  |  |  |  |  |
Loans 90 or More Days Past Due and Still Accruing Interest | $ | — |  |  | $ | — |  |  | $ | 6 |  |  | $ | 446 |  |  | $ | 452 |
Nonaccrual Loans | 30 |  |  | 15,308 |  |  | 1,877 |  |  | 3,430 |  |  | 20,645 |
Financing Receivable Supplemental Information | Schedule of Supplemental Loan Information
| 2024 |  | 2023
Supplemental Information: |  |  |
Unamortized deferred loan origination costs, net of deferred loan origination fees, included in the above balances | $ | 6,155 |  |  | $ | 6,240 |
Overdrawn deposit accounts, included in the above balances | 1,112 |  |  | 180 |
Pledged loans under a blanket collateral agreement to secure borrowings from the Federal Home Loan Bank of New York | 654,890 |  |  | 576,602 |
Residential real estate loans serviced for Freddie Mac, not included in the balances above | 168,653 |  |  | 178,284 |
Allowance for Credit Losses on Financing Receivables | The following table details activity in the allowance for credit losses on loans for the twelve months ended December 31, 2024 and December 31, 2023
Allowance for Credit Losses |
|  |  | Commercial |  |  |  |  |  |  |  |  |
| Commercial |  | Real Estate |  | Consumer |  | Residential |  |  |  | Total |
Rollforward of the Allowance for Credit Losses for the Year Ended: |  |  |  |  |  |  |  |  |  |  |
December 31, 2023 | $ | 1,958 |  |  | $ | 15,521 |  |  | $ | 2,566 |  |  | $ | 11,220 |  |  |  |  | $ | 31,265 |  |
Charge-offs | (9) |  |  | — |  |  | (5,837) |  |  | (49) |  |  |  |  | (5,895) |  |
Recoveries | — |  |  | — |  |  | 3,048 |  |  | — |  |  |  |  | 3,048 |  |
Provision | (24) |  |  | (1,014) |  |  | 4,105 |  |  | 2,113 |  |  |  |  | 5,180 |  |
December 31, 2024 | $ | 1,925 |  |  | $ | 14,507 |  |  | $ | 3,882 |  |  | $ | 13,284 |  |  |  |  | $ | 33,598 |  |
December 31, 2022 | $ | 1,961 |  |  | $ | 15,213 |  |  | $ | 2,585 |  |  | $ | 10,193 |  |  |  |  | $ | 29,952 |
Charge-offs | — |  |  | — |  |  | (5,123) |  |  | (54) |  |  |  |  | (5,177) |
Recoveries | — |  |  | — |  |  | 3,109 |  |  | — |  |  |  |  | 3,109 |
Provision | (3) |  |  | 308 |  |  | 1,995 |  |  | 1,081 |  |  |  |  | 3,381 |
December 31, 2023 | $ | 1,958 |  |  | $ | 15,521 |  |  | $ | 2,566 |  |  | $ | 11,220 |  |  |  |  | $ | 31,265 |
The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2024 and December 31, 2023:
December 31, 2024 | Collateral Type -Residential Real Estate |  | Collateral Type - Commercial Real Estate |  | Total Loans
Commercial | $ | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate | — |  |  | 14,902 |  |  | 14,902 |
Consumer | — |  |  | — |  |  | — |
Residential | 1,417 |  |  | — |  |  | 1,417 |
Total | $ | 1,417 |  |  | $ | 14,902 |  |  | $ | 16,319 |
December 31, 2023 | Collateral Type -Residential Real Estate |  | Collateral Type - Commercial Real Estate |  | Total Loans
Commercial | $ | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate | — |  |  | 15,308 |  |  | 15,308 |
Consumer | — |  |  | — |  |  | — |
Residential | 1,446 |  |  | — |  |  | 1,446 |
Total | $ | 1,446 |  |  | $ | 15,308 |  |  | $ | 16,754 |
Allowance for Credit Losses - Collectively and Individually Evaluated
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  |  |  | Total
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |
Ending Loan Balance - Collectively Evaluated | $ | 158,991 |  |  | $ | 781,463 |  |  | $ | 1,118,981 |  |  | $ | 1,318,787 |  |  |  |  | $ | 3,378,222 |
Allowance for Credit Losses - Loans Collectively Evaluated | 1,925 |  |  | 14,507 |  |  | 3,882 |  |  | 13,284 |  |  |  |  | 33,598 |
Ending Loan Balance - Individually Evaluated | — |  |  | 14,902 |  |  | — |  |  | 1,417 |  |  |  |  | 16,319 |
Allowance for Credit Losses - Loans Individually Evaluated | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |
| Commercial |  | Commercial Real Estate |  | Consumer |  | Residential |  |  |  | Total
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |
Ending Loan Balance - Collectively Evaluated | $ | 156,224 |  |  | $ | 730,179 |  |  | $ | 1,111,667 |  |  | $ | 1,198,084 |  |  |  |  | $ | 3,196,154 |
Allowance for Credit Losses - Loans Collectively Evaluated | 1,958 |  |  | 15,521 |  |  | 2,566 |  |  | 11,220 |  |  |  |  | $ | 31,265 |
Ending Loan Balance - Individually Evaluated | — |  |  | 15,308 |  |  | — |  |  | 1,446 |  |  |  |  | 16,754 |
Allowance for Credit Losses - Loans Individually Evaluated | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |
Financing Receivable Credit Quality Indicators | The following table presents credit quality indicators by total loans amortized cost basis by origination year as of December 31, 2024 and December 31, 2023:
| Term Loans Amortized Cost Basis by Origination Year | Revolving Loans Amortized Cost Basis |  | Total
December 31, 2024 | 2024 | 2023 | 2022 | 2021 | 2020 | Prior
Commercial: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Satisfactory | $ | 42,767 |  | $ | 28,988 |  | $ | 23,808 |  | $ | 16,941 |  | $ | 6,183 |  | $ | 19,211 |  | $ | 15,686 |  |  | $ | 153,584 |
Special mention | 107 |  | 229 |  | 930 |  | — |  | 72 |  | — |  | 483 |  |  | 1,821 |
Substandard | — |  | 280 |  | 264 |  | — |  | — |  | 3,030 |  | 12 |  |  | 3,586 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total Commercial Loans | $ | 42,874 |  | $ | 29,497 |  | $ | 25,002 |  | $ | 16,941 |  | $ | 6,255 |  | $ | 22,241 |  | $ | 16,181 |  |  | $ | 158,991 |
Current-period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 9 |  | $ | — |  |  |  | $ | 9 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Satisfactory | $ | 90,049 |  | $ | 96,783 |  | $ | 137,146 |  | $ | 109,086 |  | $ | 115,576 |  | $ | 187,202 |  | $ | 2,799 |  |  | $ | 738,641 |
Special mention | 3,002 |  | 200 |  | 12,680 |  | — |  | — |  | 9,506 |  | — |  |  | 25,388 |
Substandard | — |  | 146 |  | 172 |  | 1,985 |  | 2,309 |  | 26,853 |  | 871 |  |  | 32,336 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total Commercial Real Estate Loans | $ | 93,051 |  | $ | 97,129 |  | $ | 149,998 |  | $ | 111,071 |  | $ | 117,885 |  | $ | 223,561 |  | $ | 3,670 |  |  | $ | 796,365 |
Current-period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Performing | $ | 386,004 |  | $ | 297,698 |  | $ | 243,484 |  | $ | 121,803 |  | $ | 48,268 |  | $ | 18,994 |  | $ | 473 |  |  | $ | 1,116,724 |
Nonperforming | 345 |  | 424 |  | 602 |  | 593 |  | 178 |  | 115 |  | — |  |  | 2,257 |
Total Consumer Loans | $ | 386,349 |  | $ | 298,122 |  | $ | 244,086 |  | $ | 122,396 |  | $ | 48,446 |  | $ | 19,109 |  | $ | 473 |  |  | $ | 1,118,981 |
Current-period gross charge-offs | $ | 1,272 |  | $ | 949 |  | $ | 1,669 |  | $ | 1,270 |  | $ | 434 |  | $ | 243 |  |  |  | $ | 5,837 |
Residential: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Performing | $ | 162,087 |  | $ | 177,071 |  | $ | 225,398 |  | $ | 181,934 |  | $ | 106,695 |  | $ | 334,576 |  | $ | 128,687 |  |  | $ | 1,316,448 |
Nonperforming | — |  | 201 |  | 254 |  | 201 |  | 464 |  | 2,386 |  | 250 |  |  | 3,756 |
Total Residential Loans | $ | 162,087 |  | $ | 177,272 |  | $ | 225,652 |  | $ | 182,135 |  | $ | 107,159 |  | $ | 336,962 |  | $ | 128,937 |  |  | $ | 1,320,204 |
Current-period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 49 |  |  |  | $ | 49 |
Total Loans | $ | 684,361 |  | $ | 602,020 |  | $ | 644,738 |  | $ | 432,543 |  | $ | 279,745 |  | $ | 601,873 |  | $ | 149,261 |  |  | $ | 3,394,541 |
Total gross charge-offs | $ | 1,272 |  | $ | 949 |  | $ | 1,669 |  | $ | 1,270 |  | $ | 443 |  | $ | 292 |  |  |  | $ | 5,895 |
| Term Loans Amortized Cost Basis by Origination Year | Revolving Loans Amortized Cost Basis |  | Total
December 31, 2023 | 2023 | 2022 | 2021 | 2020 | 2019 | Prior
Commercial: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Satisfactory | $ | 54,584 |  | $ | 34,047 |  | $ | 23,470 |  | $ | 9,655 |  | $ | 4,107 |  | $ | 13,360 |  | $ | 8,586 |  |  | $ | 147,809 |
Special mention | — |  | — |  | — |  | 117 |  | — |  | — |  | — |  |  | 117 |
Substandard | — |  | — |  | — |  | — |  | — |  | 3,199 |  | 5,099 |  |  | 8,298 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total Commercial Loans | $ | 54,584 |  | $ | 34,047 |  | $ | 23,470 |  | $ | 9,772 |  | $ | 4,107 |  | $ | 16,559 |  | $ | 13,685 |  |  | $ | 156,224 |
Current-period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  |  | $ | — |
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Satisfactory | $ | 81,582 |  | $ | 151,818 |  | $ | 105,365 |  | $ | 120,845 |  | $ | 41,406 |  | $ | 174,516 |  | $ | 1,667 |  |  | $ | 677,199 |
Special mention | — |  | 10,439 |  | — |  | — |  | — |  | 4,084 |  | — |  |  | 14,523 |
Substandard | 150 |  | 9,169 |  | 1,670 |  | 2,533 |  | 791 |  | 38,955 |  | 497 |  |  | 53,765 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  |  | — |
Total Commercial Real Estate Loans | $ | 81,732 |  | $ | 171,426 |  | $ | 107,035 |  | $ | 123,378 |  | $ | 42,197 |  | $ | 217,555 |  | $ | 2,164 |  |  | $ | 745,487 |
Current-period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  |  |  | $ | — |
Consumer: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Performing | $ | 405,099 |  | $ | 355,217 |  | $ | 195,799 |  | $ | 93,708 |  | $ | 44,206 |  | $ | 15,252 |  | $ | — |  |  | $ | 1,109,281 |
Nonperforming | 208 |  | 783 |  | 551 |  | 210 |  | 81 |  | 85 |  | 468 |  |  | 2,386 |
Total Consumer Loans | $ | 405,307 |  | $ | 356,000 |  | $ | 196,350 |  | $ | 93,918 |  | $ | 44,287 |  | $ | 15,337 |  | $ | 468 |  |  | $ | 1,111,667 |
Current-period gross charge-offs | $ | 366 |  | $ | 1,368 |  | $ | 2,122 |  | $ | 604 |  | $ | 397 |  | $ | 266 |  |  |  | $ | 5,123 |
Residential: |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |
Performing | $ | 161,878 |  | $ | 231,365 |  | $ | 192,588 |  | $ | 116,451 |  | $ | 73,875 |  | $ | 296,935 |  | $ | 122,573 |  |  | $ | 1,195,665 |
Nonperforming | — |  | — |  | 444 |  | 666 |  | 127 |  | 2,268 |  | 360 |  |  | 3,865 |
Total Residential Loans | $ | 161,878 |  | $ | 231,365 |  | $ | 193,032 |  | $ | 117,117 |  | $ | 74,002 |  | $ | 299,203 |  | $ | 122,933 |  |  | $ | 1,199,530 |
Current-period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | 21 |  | $ | — |  | $ | 33 |  |  |  | $ | 54 |
Total Loans | $ | 703,501 |  | $ | 792,838 |  | $ | 519,887 |  | $ | 344,185 |  | $ | 164,593 |  | $ | 548,654 |  | $ | 139,250 |  |  | $ | 3,212,908 |
Total gross charge-offs | $ | 366 |  | $ | 1,368 |  | $ | 2,122 |  | $ | 625 |  | $ | 397 |  | $ | 299 |  |  |  | $ | 5,177 |

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