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FAIR VALUES (Tables)
 12 Months Ended
Dec. 31, 2024
Fair Value Disclosures [Abstract]  
Summary of Assets and Liabilities Measured at Fair Value on Recurring Basis
Assets and liabilities measured at fair value on a recurring basis are summarized below (in thousands):
Fair Value Measurement as of December 31, 2024 Using
Financial Assets:Fair ValueQuoted Prices
in Active Markets for Identical Assets
(Level 1)		Significant
Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
U.S. treasury notes and bonds$56,906 $56,906 $— $— 
Mortgage-backed securities, residential365,934 — 365,934 — 
Obligations of states and political subdivisions35,505 — 35,505 — 
Corporate bonds and notes22,016 — 9,884 12,132 
SBA loan pools51,081 — 51,081 — 
Total available for sale securities$531,442 $56,906 $462,404 $12,132 
Equity Investments$2,759 $2,759 $— $— 
Derivative assets23,829 — 23,829 — 
Financial Liabilities:
Derivative liabilities$23,851 $— $23,851 $— 

Fair Value Measurement as of December 31, 2023 Using
Financial Assets:Fair ValueQuoted Prices
in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
U.S. treasury notes and bonds$55,332 $55,332 $— $— 
Mortgage-backed securities, residential403,824 — 403,824 — 
Obligations of states and political subdivisions38,686 — 38,686 — 
Corporate bonds and notes20,669 — 13,139 7,530 
SBA loan pools65,482 — 65,482 — 
Total available for sale securities$583,993 $55,332 $521,131 $7,530 
Equity investments$2,552 $2,552 $— $— 
Derivative assets23,942 — 23,942 — 
Financial Liabilities:
Derivative liabilities$23,981 $— $23,981 $— 
Information Related To Level 3 Non-Recurring Fair Value Measurement
The tables below present a reconciliation of assets measured at fair value on a recurring basis using unobservable inputs (Level 3) and qualitative information regarding Level 3 significant unobservable inputs for the years ended December 31, 2024 and 2023.

Level 3 Financial Assets - Corporate Bonds20242023
Balance of recurring Level 3 assets as of January 1 $7,530 $— 
Total gains and losses for the period:
Included in other comprehensive income420 (1,096)
Transfers into Level 35,931 9,955 
Transfers out of Level 3(1,749)(1,329)
Balance of recurring Level 3 assets as of December 31$12,132 $7,530 

December 31, 2024Fair ValueValuation TechniquesUnobservable InputRange [Weighted Average] as of December 31, 2024
Corporate bonds and notes$12,132 Discounted cash flowMarket discount rate
7.25% -12.00% [10.82%]
December 31, 2023Fair
Value		Valuation TechniqueUnobservable InputsRange
[Weighted Average]
as of December 31, 2023
Corporate bonds and notes$7,530 Discounted cash flowMarket discount rate
12.50% - 12.50%
[12.50%]
The following tables present quantitative information regarding Level 3 significant unobservable inputs for assets and liabilities measured at fair value on a non-recurring basis as of December 31, 2024 and 2023 (in thousands):
DescriptionFair Value as of December 31, 2024Valuation TechniqueUnobservable InputsRange
[Weighted Average]
as of December 31, 2024
Individually analyzed loans:
Commercial and industrial$11 Net present valueDiscount rate
41.29% - 41.29%
[41.29%]
Commercial mortgages:
Commercial mortgages, other873 Income approachAdjustment to appraised value
16.86% - 16.86%
[16.86%]
Total individually analyzed loans$884 
Other real estate owned:
Residential mortgages$126 Sales comparisonAdjustment to appraised value
20.80% - 20.80%
[20.80%]
Consumer loans:
Home equity lines and loans285 Sales comparisonAdjustment to appraised value
20.80% - 20.80%
[20.80%]
Total other real estate owned, net$411 
DescriptionFair Value as of December 31, 2023Valuation TechniqueUnobservable InputsRange
[Weighted Average]
as of December 31, 2023
Individually analyzed loans:
Commercial and industrial$62 Net present valueDiscount rate
48.64% - 57.33%
[55.57%]
Total individually analyzed loans$62 
Other real estate owned:
Residential mortgages$116 Sales comparisonAdjustment to appraised value
20.80% - 20.80%
[20.80%]
Consumer loans:
Home equity lines and loans210 Sales comparisonAdjustment to appraised value
20.80% - 20.80%
[20.80%]
Total other real estate owned, net$326 
Schedule of Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis
Assets and liabilities measured at fair value on a non-recurring basis as of December 31, 2024 and 2023 are summarized below (in thousands):
 Fair Value Measurement as of December 31, 2024 Using
Financial Assets:Fair ValueQuoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Individually analyzed loans:
Commercial and industrial$11 $— $— $11 
Commercial mortgages:
Commercial mortgages, other873 — — 873 
Total individually analyzed loans$884 $— $— $884 
Other real estate owned:    
Residential mortgages$126 $— $— $126 
Consumer loans:    
Home equity lines and loans285 — — 285 
Total other real estate owned, net$411 $— $— $411 

The fair value of other real estate owned is presented net of a $32 thousand valuation allowance as of December 31, 2024.
 Fair Value Measurement as of December 31, 2023 Using
Financial Assets:Fair ValueQuoted Prices in Active Markets for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Individually analyzed loans:
Commercial and industrial$62 $— $— $62 
Total individually analyzed loans$62 $— $— $62 
Other real estate owned:    
Residential mortgages$116 $— $— $116 
Consumer loans:
Home equity lines and loans210 — — 210 
Total other real estate owned, net$326 $— $— $326 
Carrying Value and Estimated Fair Value of Other Financial Instruments
The carrying amounts and estimated fair values of other financial instruments, as of December 31, 2024 and December 31, 2023, are as follows (in thousands):
 Fair Value Measurements as of December 31, 2024 Using
Financial assets:Carrying AmountQuoted Prices
in Active Markets
for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Estimated Fair Value 1
Cash and due from financial institutions$26,224 $26,224 $— $— $26,224 
Interest-bearing deposits in other financial institutions
20,811 20,811 — — 20,811 
Equity investments3,235 3,235 — — 3,235 
Securities available for sale531,442 56,906 462,404 12,132 531,442 
Securities held to maturity808 — — 808 808 
FHLBNY and FRBNY stock9,117 — — — N/A
Loans, net and loans held for sale 2,071,419 — — 1,981,851 1,981,851 
Derivative assets23,829 — 23,829 — 23,829 
Financial liabilities:     
Deposits:     
Demand, savings, and insured money market deposits$1,772,971 $1,772,971 $— $— $1,772,971 
Time deposits623,912 — 622,920 — 622,920 
FHLBNY overnight advances109,110 — 109,083 — 109,083 
Derivative liabilities23,851 — 23,851 — 23,851 
1 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
 Fair Value Measurements as of December 31, 2023 Using
Financial Assets:Carrying AmountQuoted Prices
in Active Markets
for Identical Assets
(Level 1)		Significant Other Observable Inputs
(Level 2)		Significant Unobservable Inputs
(Level 3)
Estimated Fair Value 1
Cash and due from financial institutions$22,247 $22,247 $— $— $22,247 
Interest-bearing deposits in other financial institutions
14,600 14,600 — — 14,600 
Equity investments3,046 3,046 — — 3,046 
Securities available for sale583,993 55,332 521,131 7,530 583,993 
Securities held to maturity785 — — 785 785 
FHLBNY and FRBNY stock5,498 — — — N/A
Loans, net and loans held for sale1,972,664 — — 1,875,390 1,875,390 
Derivative assets23,942 — 23,942 — 23,942 
Financial liabilities:     
Deposits:     
Demand, savings, and insured money market deposits$1,817,162 $1,817,162 $— $— $1,817,162 
  Time deposits612,265 — 609,863 — 609,863 
FHLBNY overnight advances31,920 — 31,925 — 31,925 
Derivative liabilities23,981 — 23,981 — 23,981 
1 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.