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CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income (loss) $ (429,000) $ 12,037,000
Adjustments to reconcile net income (loss) to net cash provided by operating activities:    
(Increases in) amortization of right-of-use assets 307,000 (179,000)
Provision (credit) for credit losses 2,237,000 (1,161,000)
Gain on disposal of fixed assets, net (616,000) (40,000)
Depreciation and amortization of fixed assets 941,000 936,000
Amortization of premiums on securities, net 1,097,000 1,114,000
(Gains) on sales of loans held for sale, net (91,000) (71,000)
Proceeds from sales of loans held for sale 4,842,000 3,866,000
Loans originated and held for sale (6,963,000) (4,176,000)
Losses on sale of other real estate owned, net 8,000 3,000
Change in fair value of equity investments, net (61,000) (115,000)
Losses on securities transactions, net 17,498,000 0
Proceeds from sales of equity investments 88,000 134,000
Purchase of equity investments (179,000) (63,000)
Amortization of deferred costs on subordinated debt 4,000 0
Increase in other assets and accrued interest receivable (393,000) (938,000)
(Decrease) increase in accrued interest payable (69,000) 2,718,000
Expense related to restricted stock units for directors' deferred compensation plan 11,000 10,000
Expense related to employee restricted stock awards 641,000 613,000
Increases in (payments on) operating lease liabilities (310,000) 182,000
(Gains) losses on interest rate swaps, net 66,000 (31,000)
Decrease in other liabilities (1,687,000) (398,000)
Income from bank owned life insurance (16,000) (19,000)
Net cash provided by operating activities 16,926,000 14,422,000
CASH FLOWS FROM INVESTING ACTIVITIES:    
Proceeds from sales of securities available for sale 227,305,000 0
Proceeds from maturities, calls, and principal paydowns on securities available for sale 28,340,000 26,657,000
Proceeds from maturities and principal collected on securities held to maturity 128,000 128,000
Purchases of FHLBNY and FRBNY stock (10,322,000) (18,165,000)
Redemption of FHLBNY and FRBNY stock 12,613,000 18,157,000
Proceeds from sales of fixed assets 1,300,000 44,000
Purchases of premises and equipment (688,000) (1,100,000)
Proceeds from sale of other real estate owned 347,000 185,000
Net increase in loans (61,955,000) (39,540,000)
Net cash provided by (used in) investing activities 197,068,000 (13,634,000)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net increase (decrease) in demand, interest-bearing demand, savings, and insured money market deposits 77,521,000 (7,941,000)
Net (decrease) in time deposits (5,442,000) (5,565,000)
Net increase (decrease) in FHLBNY advances (54,110,000) 48,080,000
Increases in (payments on) finance leases (163,000) 785,000
Proceeds from subordinated debt issuance 45,000,000 0
Payment of subordinated debt issuance costs (858,000) 0
Purchase of treasury stock (90,000) (82,000)
Sale of treasury stock 229,000 247,000
Cash dividends paid (3,065,000) (2,942,000)
Net cash provided by financing activities 59,022,000 32,582,000
Net increase in cash and cash equivalents 273,016,000 33,370,000
Cash and cash equivalents, beginning of period 47,035,000 36,847,000
Cash and cash equivalents, end of period 320,051,000 70,217,000
Cash paid for:    
Interest 24,176,000 24,037,000
Income taxes 3,723,000 3,284,000
Supplemental disclosure of non-cash activity:    
Transfer of loans to other real estate owned 0 407,000
Transfer of fixed assets to held for sale 0 671,000
Dividends declared, not yet paid 0 1,473,000
Right-of-use assets obtained through finance lease liabilities 0 935,000
Right-of-use assets obtained through operating lease liabilities $ 80,000 $ 570,000