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CONSOLIDATED STATEMENTS OF CASH FLOW - USD ($)
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 23,671,000 $ 25,000,000
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortization of right-of-use assets 202,000 801,000
Amortization of intangible assets 0 0
Deferred income tax (benefit) expense 1,121,000 (1,609,000)
Provision for credit losses (46,000) 3,425,000
Loss (gain) on disposal of fixed assets (39,000) 3,000
Depreciation and amortization of fixed assets 1,814,000 2,001,000
Amortization of premiums on securities, net 2,259,000 2,458,000
Gains on sales of loans held for sale, net (214,000) (144,000)
Proceeds from sales of loans held for sale 11,867,000 6,569,000
Loans originated and held for sale (11,653,000) (6,425,000)
Net (gains) on sale of other real estate owned 18,000 (37,000)
Write-downs on OREO 45,000 3,000
Net change in fair value of equity investments (179,000) (103,000)
Net purchases of equity investments (10,000) (113,000)
Net (gains) on interest rate swaps (17,000) (16,000)
(Increase) in other assets (2,653,000) (1,298,000)
Increase in accrued interest payable 487,000 2,115,000
Expense related to restricted stock units for directors' deferred compensation plan 21,000 20,000
Expense related to employee restricted stock awards 1,238,000 1,139,000
Payments on operating leases (198,000) (1,594,000)
Increase (decrease) in other liabilities 2,119,000 (1,271,000)
Income from bank owned life insurance (38,000) (43,000)
Net cash provided by operating activities 29,815,000 30,881,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Proceeds from sales, maturities, calls, and principal paydowns on securities available for sale 54,519,000 60,852,000
Proceeds from sales, maturities and principal collected on securities held to maturity 177,000 1,613,000
Purchases of securities available for sale (4,957,000) (3,209,000)
Purchases of securities held to maturity (200,000) 0
Purchase of FHLBNY and FRBNY stock (31,656,000) (99,926,000)
Redemption of FHLBNY and FRBNY stock 28,037,000 102,625,000
Proceeds from sales of fixed assets 44,000 0
Purchases of premises and equipment (3,626,000) (462,000)
Proceeds from sale of other real estate owned 403,000 288,000
Net (increase) in loans (100,464,000) (144,162,000)
Net cash (used by) provided by investing activities (57,723,000) (82,381,000)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net (decrease) in demand, interest-bearing demand, savings, and insured money market deposits (44,191,000) (107,681,000)
Net increase in time deposits 11,647,000 209,881,000
Net change in FHLBNY overnight advances 77,190,000 (63,890,000)
Increases in (payments on) finance leases 729,000 (277,000)
Purchase of treasury stock (344,000) (316,000)
Sale of treasury stock 430,000 601,000
Cash dividends paid (7,365,000) (5,840,000)
Net cash (used in) provided by financing activities 38,096,000 32,478,000
Net increase (decrease) in cash and cash equivalents 10,188,000 (19,022,000)
Cash and cash equivalents, beginning of period 36,847,000 55,869,000
Cash and cash equivalents, end of period 47,035,000 36,847,000
Cash paid during the year for:    
Interest 53,018,000 36,502,000
Income Taxes 6,084,000 7,863,000
Supplemental disclosure of non-cash activity:    
Transfer of loans to other real estate owned 552,000 378,000
Dividends declared, not yet paid 0 1,469,000
Right-of-use assets obtained through finance lease liabilities $ 935,000 $ 0