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Debt (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2025
Debt Disclosure [Abstract] |
Schedule of Debt | Schedule of Borrowings:
| June 30, 2025 |  | December 31, 2024 |  |
Balance: |  |  |  |  |
FHLBNY Overnight Advances | — |  |  | — |  |  |
FHLBNY Term Advances | 8,600 |  |  | 8,600 |  |  |
Total Borrowings | $ | 8,600 |  |  | $ | 8,600 |  |  |
Maximum Borrowing Capacity: |  |  |  |  |
Federal Funds Purchased | $ | 23,000 |  |  | $ | 23,000 |  |  |
Federal Home Loan Bank of New York | 695,187 |  |  | 654,890 |  |  |
Federal Reserve Bank of New York | 761,715 |  |  | 571,107 |  |  |
Available Borrowing Capacity: |  |  |  |  |
Federal Funds Purchased | $ | 23,000 |  |  | $ | 23,000 |  |  |
Federal Home Loan Bank of New York | 656,587 |  |  | 616,290 |  |  |
Federal Reserve Bank of New York | 761,715 |  |  | 571,107 |  |  |
Schedule of Maturities of Short-Term Debt | Maturity Schedule of FHLBNY Term Advances:
|  | Balances |  | Weighted Average Rate 1
Final Maturity |  | 6/30/2025 |  | 12/31/2024 |  |  |  | 6/30/2025 |  | 12/31/2024 |  |
First Year |  | $ | 6,900 |  |  | $ | 6,900 |  |  |  |  | 5.34 | % |  | 5.34 | % |  |
Second Year |  | — |  |  | — |  |  |  |  | — | % |  | — | % |  |
Third Year |  | 1,700 |  |  | 1,700 |  |  |  |  | 4.85 | % |  | 4.85 | % |  |
Fourth Year |  | — |  |  | — |  |  |  |  | — | % |  | — | % |  |
Total |  | $ | 8,600 |  |  | $ | 8,600 |  |  |  |  | 5.24 | % |  | 5.24 | % |  |
1 The effective rate on the FHLBNY Advances is 0% due to subsidized funding in the form of interest rate credits.
Schedule of Long-Term Debt Instruments | Schedule of Guaranteed Preferred Beneficial Interests in Corporation's Junior Subordinated Debentures
| June 30, 2025 |  | December 31, 2024 |  |
ACST II |  |  |  |  |
Balance | $ | 10,000 |  |  | $ | 10,000 |  |  |
Period End: |  |  |  |  |
Variable Interest Rate | 7.71 | % |  | 7.74 | % |  |
Fixed Interest Rate resulting from cash flow hedge agreement | 4.00 | % |  | 4.00 | % |  |
ACST III |  |  |  |  |
Balance | $ | 10,000 |  |  | $ | 10,000 |  |  |
Period End: |  |  |  |  |
Variable Interest Rate | 6.56 | % |  | 6.59 | % |  |
Fixed Interest Rate resulting from cash flow hedge agreement | 2.86 | % |  | 2.86 | % |  |

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