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CONSOLIDATED STATEMENTS OF CASH FLOWS (unaudited) - USD ($)
$ in Thousands
 3 Months Ended
Mar. 31, 2025
Mar. 31, 2024
Cash flows from operating activities:    
Net income $ 5,763 $ 4,719
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 583 639
Provision for credit losses 800 80
Net accretion on securities (1,187) (508)
ESOP compensation 148 122
Loss on bank-owned life insurance 30 93
Net gain on sale or write-down of other real estate owned   (54)
Loss on sale, disposal or impairment of premises and equipment, net 4  
Net gain on equity securities   (386)
Stock-based compensation expense 351  
Deferred tax benefit (389) (569)
Increase in accrued interest receivable (442) (10)
Decrease (increase) in other assets 680 (182)
Decrease in other liabilities (9,868) (641)
Changes in operating leases 1 4
Net cash (used in) provided by operating activities (3,526) 3,307
Cash flows from investing activities:    
Proceeds from maturities, paydowns and calls of securities available for sale 61,589 28,174
Proceeds from sales of securities available for sale 0 0
Purchases of securities available for sale (47,783) (3,730)
Proceeds from maturities and paydowns of securities held to maturity 3,145 237
Purchases of securities held to maturity (9,241)  
Proceeds from sales of equity securities   3,149
Net redemptions (purchases) of FHLBNY and FRBNY stock 1,675 (175)
Net increase in loans receivable (53,672) (48,660)
Purchases of premises and equipment (1,365) (103)
Proceeds from sale of other real estate owned   106
Net cash used in investing activities (45,652) (21,002)
Cash flows from financing activities:    
Net increase in deposits 135,464 125,915
Net decrease in mortgagors' escrow deposits (1,589) (1,287)
FHLBNY repayment, net (40,000)  
Repurchase of common stock (1,572)  
Repayment of finance lease liability (20) (26)
Net cash provided by financing activities 92,283 124,602
Net increase in cash and cash equivalents 43,105 106,907
Cash and cash equivalents at beginning of period 96,521 139,634
Cash and cash equivalents at end of period 139,626 246,541
Cash paid during the period for:    
Interest $ 6,819 5,843
Non-cash investing and financing activity:    
Right of use assets obtained in exchange for new finance lease liabilities   $ 26