Northfield Bancorp, Inc. (NFBK) 10-K 1 Mar 22 2021 FY Annual report Financial data

Cover Page

Cover Page - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Feb. 25, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
Current Fiscal Year End Date	--12-31
Document Transition Report	false
Entity File Number	001-35791
Entity Registrant Name	Northfield Bancorp, Inc.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	80-0882592
Entity Address, Address Line One	581 Main Street,
Entity Address, City or Town	Woodbridge,
Entity Address, State or Province	NJ
Entity Address, Postal Zip Code	07095
City Area Code	732
Local Phone Number	499-7200
Title of 12(b) Security	Common Stock, par value $0.01 per share
Trading Symbol	NFBK
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 766.5
Entity Common Stock, Shares Outstanding		48,935,337
Documents Incorporated by Reference	Certain portions of the registrant’s Definitive Proxy Statement (the 2022 Proxy Statement) for the 2022 Annual Meeting of the Stockholders to be held May 26, 2022, will be incorporated by reference in Part III. The 2022 Proxy Statement will be filed within 120 days of December 31, 2021.
Amendment Flag	false
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	FY
Entity Central Index Key	0001493225

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2021
Auditor Information [Abstract]
Auditor Name	KPMG, LLP
Auditor Location	Short Hills, New Jersey
Auditor Firm ID	185

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS:
Cash and due from banks	$ 18,191	$ 16,115
Interest-bearing deposits in other financial institutions	72,877	71,429
Total cash and cash equivalents	91,068	87,544
Trading securities	13,461	12,291
Debt securities available-for-sale, at estimated fair value (and no allowance for credit losses at December 31, 2021)	1,208,237	1,264,805
Debt securities held-to-maturity, at amortized cost (estimated fair value of $5,475 at December 31, 2021, and $7,574 at December 31, 2020)	5,283	7,234
Equity securities	5,342	253
Loans held-for-sale	0	19,895
Total loans held-for-investment, net	3,806,617	3,823,238
Allowance for credit losses	(38,973)	(37,607)
Net loans held-for-investment	3,767,644	3,785,631
Accrued interest receivable	14,572	14,690
Bank-owned life insurance	164,500	161,924
Federal Home Loan Bank ("FHLB") of New York stock, at cost	22,336	28,641
Operating lease right-of-use assets	33,943	36,741
Premises and equipment, net	25,937	28,188
Goodwill	41,012	41,320
Other assets	37,207	25,387
Total assets	5,430,542	5,514,544
LIABILITIES:
Deposits	4,169,334	4,076,551
Securities sold under agreements to repurchase	50,000	75,000
FHLB advances and other borrowings	371,755	516,789
Operating lease liabilities	39,851	42,734
Advance payments by borrowers for taxes and insurance	24,909	19,677
Accrued expenses and other liabilities	34,810	29,812
Total liabilities	4,690,659	4,760,563
STOCKHOLDERS’ EQUITY:
Preferred stock, $0.01 par value; 25,000,000 shares authorized, none issued or outstanding	0	0
Common stock, $0.01 par value; 150,000,000 shares authorized, 64,770,875 shares issued at December 31, 2021 and 2020, respectively, 49,266,733 and 52,209,897 shares outstanding at December 31, 2021 and 2020, respectively	648	648
Additional paid-in-capital	589,972	590,506
Unallocated common stock held by employee stock ownership plan	(17,058)	(18,529)
Retained earnings	381,361	338,093
Accumulated other comprehensive income	2,063	13,160
Treasury stock at cost; 15,504,142 and 12,560,978 shares at December 31, 2021 and 2020, respectively	(217,103)	(169,897)
Total stockholders’ equity	739,883	753,981
Total liabilities and stockholders’ equity	$ 5,430,542	$ 5,514,544

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Debt securities, held-to-maturity	$ 5,475	$ 7,574
Preferred stock, par value (usd per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (shares)	25,000,000	25,000,000
Preferred stock, shares issued (shares)	0	0
Preferred stock, shares outstanding (shares)	0	0
Common stock, par value (usd per share)	$ 0.01	$ 0.01
Common stock, shares authorized (shares)	150,000,000	150,000,000
Common stock, shares issued (shares)	64,770,875	64,770,875
Common stock, shares outstanding (shares)	49,266,733	52,209,897
Treasury stock, shares (shares)	15,504,142	12,560,978

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income:
Loans	$ 158,217	$ 146,570	$ 136,133
Mortgage-backed securities	10,640	16,572	19,710
Other securities	1,965	2,871	6,331
FHLB of New York dividends	1,279	1,825	1,618
Deposits in other financial institutions	197	307	1,351
Total interest income	172,298	168,145	165,143
Interest expense:
Deposits	6,207	25,230	41,328
Borrowings	10,442	13,107	12,030
Total interest expense	16,649	38,337	53,358
Net interest income	155,649	129,808	111,785
(Benefit)/provision for credit losses	(6,184)	12,742	22
Net interest income after (benefit)/provision for credit losses	161,833	117,066	111,763
Non-interest income:
Fees and service charges for customer services	5,394	3,967	4,881
Income on bank-owned life insurance	4,103	3,774	7,023
Gains on available-for-sale debt securities, net	1,495	327	514
Gains on trading securities, net	1,703	1,601	1,988
Gains on sale of loans	1,401	665	0
Other	357	1,138	402
Total non-interest income	14,453	11,472	14,808
Non-interest expense:
Compensation and employee benefits	43,677	41,437	39,571
Occupancy	13,956	15,152	13,676
Furniture and equipment	1,737	1,519	1,085
Data processing	6,784	8,123	5,679
Professional fees	3,596	4,141	3,545
Advertising	2,358	2,088	3,442
Federal Deposit Insurance Corporation (FDIC) insurance	1,365	885	563
Other	5,686	5,168	5,988
Total non-interest expense	79,159	78,513	73,549
Income before income tax expense	97,127	50,025	53,022
Income tax expense	26,473	13,037	12,787
Net income	$ 70,654	$ 36,988	$ 40,235
Net income per common share:
Basic (usd per share)	$ 1.46	$ 0.76	$ 0.86
Diluted (usd per share)	$ 1.45	$ 0.76	$ 0.85
Basic weighted average shares outstanding (in shares)	48,416,495	48,721,504	46,783,442
Diluted weighted average shares outstanding (in shares)	48,754,263	48,785,963	47,163,804
Net income	$ 70,654	$ 36,988	$ 40,235
Unrealized (losses) gains on debt securities available-for-sale:
Net unrealized holding (losses) gains	(13,916)	12,077	19,666
Less: reclassification adjustment for net gains included in net income	(1,495)	(327)	(514)
Net unrealized (losses) gains	(15,411)	11,750	19,152
Post-retirement benefits adjustment	0	0	77
Other comprehensive (loss) income, before tax	(15,411)	11,750	19,229
Income tax benefit (expense) related to net unrealized holding (losses) gains on debt securities available-for-sale	3,895	(3,380)	(5,505)
Income tax expense related to reclassification adjustment for gains included in net income	419	91	144
Income tax expense related to post-retirement benefits adjustment	0	0	(22)
Other comprehensive (loss) income, net of tax	(11,097)	8,461	13,846
Comprehensive income	$ 59,557	$ 45,449	$ 54,081

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Cumulative Effect, Period of Adoption, Adjusted Balance	Common Stock	Common StockCumulative Effect, Period of Adoption, Adjusted Balance	Additional Paid-in Capital	Additional Paid-in CapitalCumulative Effect, Period of Adoption, Adjusted Balance	Unallocated Common Stock Held by the Employee Stock Ownership Plan	Unallocated Common Stock Held by the Employee Stock Ownership PlanCumulative Effect, Period of Adoption, Adjusted Balance	Retained Earnings	Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Retained EarningsCumulative Effect, Period of Adoption, Adjusted Balance	Accumulated Other Comprehensive Income (loss) Net of tax	Accumulated Other Comprehensive Income (loss) Net of taxCumulative Effect, Period of Adoption, Adjusted Balance	Treasury Stock	Treasury StockCumulative Effect, Period of Adoption, Adjusted Balance
Beginning Balance (in shares) at Dec. 31, 2018				49,635,673
Beginning Balance at Dec. 31, 2018	$ 666,439			$ 609		$ 546,219		$ (20,992)		$ 302,544			$ (9,147)		$ (152,794)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	40,235									40,235
Other comprehensive (loss) income, net of tax	13,846												13,846
ESOP shares allocated or committed to be released	2,340					1,088		1,252
Stock compensation expense	3,236					3,236
Net forfeitures of restricted stock (in shares)				(8,000)
Net forfeitures of restricted stock	0					118									(118)
Exercise of stock options (in shares)				583,574
Exercise of stock options, net	5,770					(2,175)									7,945
Cash dividends declared	(20,198)									(20,198)
Treasury stock (in shares)				(1,035,900)
Treasury stock	(15,815)														(15,815)
Ending Balance (in shares) at Dec. 31, 2019				49,175,347
Ending Balance at Dec. 31, 2019	$ 695,853			$ 609		548,486		(19,740)		322,581			4,699		(160,782)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2016-13
Net income	$ 36,988									36,988
Other comprehensive (loss) income, net of tax	8,461												8,461
ESOP shares allocated or committed to be released	1,780					569		1,211
Stock compensation expense	1,432					1,432
Net issuance of restricted stock (in shares)				83,744
Net issuance of restricted stock	0					(1,145)									1,145
Net forfeitures of restricted stock (in shares)				(3,573)
Net forfeitures of restricted stock	$ 0					34									(34)
Exercise of stock options (in shares)	13,000			13,000
Exercise of stock options, net	$ 175					(4)									179
Cash dividends declared	(21,476)									(21,476)
Issuance of stock for VSB Bancorp, Inc. acquisition (in shares)				3,837,168
Issuance of stock for VSB Bancorp, Inc. acquisition	41,173			$ 39		41,134
Treasury stock (in shares)				(3,342,700)
Treasury stock	(10,405)														(53,321)
Ending Balance (in shares) at Dec. 31, 2020				52,209,897	52,209,897
Ending Balance at Dec. 31, 2020	753,981	$ (3,087)	$ 750,894	$ 648	$ 648	590,506	$ 590,506	(18,529)	$ (18,529)	338,093	$ (3,087)	$ 335,006	13,160	$ 13,160	(169,897)	$ (169,897)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	70,654									70,654
Other comprehensive (loss) income, net of tax	(11,097)												(11,097)
ESOP shares allocated or committed to be released	2,649					1,178		1,471
Stock compensation expense	994					994
Net issuance of restricted stock (in shares)				147,315
Net issuance of restricted stock	0					(1,821)									1,821
Net forfeitures of restricted stock (in shares)				(13,280)
Net forfeitures of restricted stock	$ 0					178									(178)
Exercise of stock options (in shares)	394,045			265,501
Exercise of stock options, net	$ 3,409					(1,063)									4,472
Cash dividends declared	(24,299)									(24,299)
Treasury stock	(53,321)
Ending Balance (in shares) at Dec. 31, 2021				49,266,733
Ending Balance at Dec. 31, 2021	$ 739,883			$ 648		$ 589,972		$ (17,058)		$ 381,361			$ 2,063		$ (217,103)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Dividends declared (usd per share)	$ 0.50	$ 0.44	$ 0.43
Average cost of treasury stock (usd per share)	$ 15.91	$ 11.59	$ 15.26

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 70,654	$ 36,988	$ 40,235
Adjustments to reconcile net income to net cash provided by operating activities:
(Benefit)/provision for credit losses	(6,184)	12,742	22
ESOP and stock compensation expense	3,643	3,212	5,576
Depreciation	3,889	3,878	3,569
Amortization of premiums, and deferred loan costs, net of (accretion) of discounts, and deferred loan fees	2,587	4,073	4,344
Amortization of intangible assets	200	229	265
Amortization of mortgage servicing rights	4,395	4,586	5,069
Income on bank-owned life insurance	(4,103)	(3,774)	(7,023)
Net gain on sale of loans	(1,401)	(665)	0
Gains on available-for-sale debt securities, net	(1,495)	(327)	(514)
Gains on trading securities, net	(1,703)	(1,601)	(1,988)
Net sales (purchases) of trading securities	533	532	(266)
Decrease (increase) in accrued interest receivable	118	1,334	(1,650)
(Increase) decrease in other assets	(14,531)	1,294	2,679
Deferred taxes	3,159	(3,058)	(177)
Increase (decrease) in accrued expenses and other liabilities	4,998	(4,229)	1,011
Net cash used in operating activities	64,759	55,214	51,152
Cash flows from investing activities:
Net increase in loans receivable	(105,455)	(276,616)	(147,507)
Purchase of loans	0	0	(44,918)
Proceeds from sale of loans	151,559	48,165	0
Purchase of FHLB of New York stock	(220)	(10,497)	(38,546)
Redemption of FHLB of New York stock	6,525	21,735	21,488
Purchases of debt securities available-for-sale	(746,967)	(572,342)	(635,898)
Purchases of equity securities	(5,089)	(27)	(2,061)
Principal payments and maturities on debt securities available-for-sale	454,414	556,920	243,374
Principal payments and maturities on debt securities held-to-maturity	1,879	1,462	709
Proceeds from sale of debt securities available-for-sale	328,966	23,628	79,255
Proceeds from sale of equity securities	0	3,115	0
Proceeds from bank-owned life insurance	1,021	2,716	5,002
Purchases and improvements of premises and equipment	(1,638)	(3,059)	(3,623)
Net cash acquired in business combinations	0	72,875	0
Net cash provided by (used in) investing activities	84,995	(131,925)	(522,725)
Cash flows from financing activities:
Net increase in deposits	92,783	313,726	121,721
Dividends paid	(24,299)	(21,476)	(20,198)
Exercise of stock options	3,409	175	5,770
Purchase of treasury stock	(53,321)	(10,405)	(15,815)
Increase (decrease) in advance payments by borrowers for taxes and insurance	5,232	(368)	2,038
Repayments under capital lease obligations	0	0	(44)
Proceeds from securities sold under agreements to repurchase and other borrowings	0	370,785	1,206,659
Repayments related to securities sold under agreements to repurchase and other borrowings	(170,034)	(636,000)	(758,502)
Net cash (used in) provided by financing activities	(146,230)	16,437	541,629
Net increase (decrease) in cash and cash equivalents	3,524	(60,274)	70,056
Cash and cash equivalents at beginning of year	87,544	147,818	77,762
Cash and cash equivalents at end of year	91,068	87,544	147,818
Supplemental cash flow information:
Interest	17,451	39,584	51,634
Income taxes	28,476	15,169	11,092
Non-cash transactions:
Loans charged-off (recovered), net	2,803	3,842	(1,189)
Initial recognition of operating lease right-of-use assets	0	0	43,560
Initial recognition of operating lease liabilities	0	0	47,328
Transfers of loans held-for-investment to loans held-for-sale, at fair value	131,883	67,395	0
Transfers of loans held-for-sale at fair value to loans held-for-investment	1,612	0	0
Transfers of loans held-for-investment to loans to other real estate owned	100	0	0
Right-of-use assets obtained in exchange for new operating lease liabilities	1,596	3,568	1,013
Securities available-for-sale	0	126,931	0
Loans	0	180,431	0
Accrued interest receivable	0	1,415	0
Bank-owned life insurance	0	5,714	0
Premises and equipment	0	7,789	0
Goodwill and other intangible assets	0	2,909	0
Other assets	0	4,702	0
Total non-cash assets acquired	0	329,891	0
Deposits	0	354,592	0
Other liabilities	0	7,001	0
Total non-cash liabilities assumed	0	361,593	0
Net non-cash liabilities assumed	0	(31,702)	0
Net cash and cash equivalents acquired	0	72,875	0
Common stock issued in acquisition	$ 0	$ 41,173	$ 0

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies The following significant accounting and reporting policies of Northfield Bancorp, Inc. and subsidiaries (collectively, the “Company”), conform to U.S. generally accepted accounting principles (“U.S. GAAP”), and are used in preparing and presenting these consolidated financial statements. (a) Basis of Presentation The consolidated financial statements are comprised of the accounts of Northfield Bancorp, Inc. and its wholly owned subsidiaries, Northfield Investment, Inc. and Northfield Bank (the “Bank”), and the Bank’s wholly-owned significant subsidiaries, NSB Services Corp. and NSB Realty Trust. All significant intercompany accounts and transactions have been eliminated in consolidation. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheets and revenues and expenses during the reporting periods. Actual results may differ significantly from those estimates and assumptions. A material estimate that is particularly susceptible to significant change in the near term is the allowance for credit losses. In connection with the determination of this allowance, management generally obtains independent appraisals for significant properties. In addition, judgments related to the amount and timing of expected cash flows from purchased credit-deteriorated (“PCD”, or, previously, purchased credit-impaired “PCI”) loans, goodwill, securities valuation and impairment, and deferred income taxes, involve a higher degree of complexity and subjectivity and require estimates and assumptions about uncertain matters. Actual results may differ from the estimates and assumptions. Certain prior year amounts have been reclassified to conform to the current year presentation. (b) Adoption of New Accounting Standards ASU No. 2016-03. In June 2016, the FASB issued Accounting Standards Update (“ASU”) No. 2016-13, “Financial Instruments - Credit Losses (Topic 326): “Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”). This guidance was subsequently amended by ASU No. 2019-04, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments”; ASU No. 2019-05, “Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief”; and ASU No. 2019-11, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses”. ASU No. 2016-13 and its subsequent updates are collectively known as “CECL”. CECL replaces the current incurred loss impairment model that recognizes losses when a probable threshold is met with a requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. For available-for-sale debt securities where fair value is less than cost, credit-related impairment would be recognized in an allowance for credit losses and adjusted in each subsequent period for changes in credit risk. CECL also expands the disclosure requirements regarding an entity’s assumptions, models, and methods for estimating the allowance for credit losses. ASU 2016-13 and its related amendments were initially effective for financial statements for fiscal years and interim periods beginning after December 15, 2019. The Company elected to defer the adoption of the CECL methodology permitted by the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act, signed into law on March 27, 2020, which provided financial institutions with the option to defer adoption of ASU 2016-13 until the earlier of the end of the pandemic or December 31, 2020. This relief was further extended by the Consolidations Appropriations Act enacted on December 27, 2020, to the earlier of the first day of an entity's fiscal year after the date the national emergency terminates or January 1, 2022. The Company adopted ASU 2016-13 and its related amendments on January 1, 2021, using a modified retrospective approach. At adoption, the Company recorded an $11.1 million increase to its allowance for credit losses, including reserves of $10.4 million related to loans and $737,000 related to unfunded credit commitments. Of the $10.4 million increase in loan reserves, $6.8 million represents PCD loan-related reserves which were recognized through a gross-up that increases the amortized cost basis of loans with a corresponding increase to the allowance for credit losses, and therefore results in no impact to shareholders' equity. The non-PCD loan related increase to the allowance for credit losses of $4.3 million, including the reserves for unfunded loan commitments, was offset in shareholders' equity and deferred tax assets. For further details on the adoption of CECL see Note 6 - Loans Note 7 - Allowance for Credit Losses on Loans ASU No. 2019-12. In December 2019, the FASB issued ASU No. 2019-12, “Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes.” ASU No. 2019-12 simplifies accounting for income taxes by removing specific technical exceptions in ASC 740 related to the incremental approach for intra-period tax allocation, the methodology for calculating income taxes in an interim period and the recognition for deferred tax liabilities for outside basis differences. ASU No. 2019-12 also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The Company adopted ASU 2019-12 on January 1, 2021, which did not have a material impact on the Company's financial condition or results of operations. ASU No. 2018-15. In August 2018, the FASB issued ASU No. 2018-15, “Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract.” This guidance aligns the accounting for implementation costs related to a hosting arrangement that is a service contract with the guidance on capitalizing costs associated with developing or obtaining internal-use software. Specifically, where a cloud computing arrangement includes a license to internal-use software, the software license is accounted for by the customer in accordance with Subtopic 350-40, “Intangibles - Goodwill and Other-Internal-Use Software”. ASU No. 2018-15 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted. The Company adopted ASU No. 2018-15 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation. ASU No. 2018-13. In August 2018, the FASB issued ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement.” This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. ASU No. 2018-13 was effective for interim and annual reporting periods beginning after December 15, 2019. The Company adopted ASU No. 2018-13 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation. ASU No 2017-04. In January 2017, the FASB issued ASU No. 2017-04, “Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment.” The ASU eliminates Step 2 from the goodwill impairment test and also eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. The ASU is effective for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The Company adopted ASU No. 2017-04 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation. ASU No. 2016-02 . In February 2016, the FASB issued ASU No. 2016-02, Leases (“Topic 842” ), which requires all lessees to recognize a lease liability and a right-of-use asset, measured at the present value of the future minimum lease payments, at the lease commencement date for leases classified as operating leases as well as finance leases. Under this guidance, lessor accounting is largely unchanged. This ASU became effective for annual and interim periods for the Company on January 1, 2019. The Company adopted the standard by applying the alternative transition method whereby comparative periods were not restated, and no cumulative effect adjustment to the opening balance of retained earnings was recognized as of January 1, 2019. The Company also elected the ASU’s package of three practical expedients, which allowed the Company to forego a reassessment of (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases and (iii) the initial direct costs for any existing leases. The Company also elected not to apply the recognition requirements of the ASU to any short-term leases (as defined by related accounting guidance) and will account for lease and non-lease components separately because such amounts are readily determinable under most lease contracts. The adoption of this standard resulted in the Company recognizing operating lease right-of-use assets and related operating lease liabilities totaling $43.6 million and $47.3 million respectively, as of January 1, 2019. The adoption of this ASU did not have a material impact on the Company’s consolidated results of operations. ASU No. 2017-08 . In March 2017, the FASB issued ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. The amendments in this update require the premium on callable debt securities to be amortized to the earliest call date rather than the maturity date; however, securities held at a discount continue to be amortized to maturity. The amendments apply only to debt securities purchased at a premium that are callable at fixed prices and on preset dates. The amendments more closely align interest income recorded on debt securities held at a premium or discount with the economics of the underlying instrument. This ASU became effective for the Company on January 1, 2019, and did not have a material impact on the Company's consolidated financial statements. ASU No. 2018-07 . In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting , which is intended to align the accounting for share-based payment awards issued to employees and nonemployees. The guidance applies to nonemployee awards issued in exchange for goods or services used or consumed in an entity’s own operations and to awards granted by an investor to employees and nonemployees of an equity method investee for goods or services used or consumed in the investee’s operations. There are no new disclosure requirements. This ASU became effective for the Company on January 1, 2019. Adoption of this ASU did not have an impact on the Company's consolidated financial statements, as share-based payment awards to nonemployee directors are accounted for in the same manner as share-based payment awards for employees. (c) Business The Company, through its principal subsidiary, the Bank, provides a full range of banking services primarily to individuals and corporate customers in Richmond and Kings counties in New York, and Hunterdon, Mercer, Union and Middlesex counties in New Jersey. The Company is subject to competition from other financial institutions and to the regulations of certain federal and state agencies, and undergoes periodic examinations by those regulatory authorities. (d) Cash Equivalents Cash equivalents consist of cash on hand, due from banks, and interest-bearing deposits in other financial institutions with an original term of three months or less. (e) Securities Securities are classified at the time of purchase, based on management’s intention, as debt securities held-to-maturity, debt securities available-for-sale, trading account securities or equity securities. Debt securities held-to-maturity are those that management has the positive intent and ability to hold until maturity. Debt securities held-to-maturity are carried at amortized cost, adjusted for amortization of premiums and accretion of discounts using the level-yield method over the contractual term of the securities, adjusted for actual prepayments. Debt securities available-for-sale represents all securities not classified as either held-to-maturity, trading, or equity. Debt securities available-for-sale are carried at estimated fair value with unrealized holding gains and losses (net of related tax effects) on such securities excluded from earnings, but included as a separate component of stockholders’ equity, titled “Accumulated other comprehensive income (loss).” The cost of securities sold is determined using the specific-identification method. Security transactions are recorded on a trade-date basis. For securities available for sale, ASU 2016-13 eliminates the concept of other than temporary impairment and instead requires entities to determine if impairment is related to credit loss or non-credit loss. In making the assessment of whether a loss is from credit or other factors, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and adverse conditions related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows is less than the amortized cost basis, a credit loss exists and an allowance is created, limited by the amount that the fair value is less than the amortized cost basis. Subsequent activity related to the credit loss component in the form of write-offs or recoveries is recognized as part of the allowance for credit losses on securities available for sale. Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type. All of the held-to-maturity securities in the Company's portfolio are issued by U.S. government agencies and are either explicitly or implicitly guaranteed by the U.S government and therefore the expectation of nonpayment is zero. Therefore the Company is not required to estimate an allowance for credit losses related to these securities. Prior to the adoption of ASU 2016-13, our evaluation of other-than-temporary impairment considered our assessments of the reason for the decline in value, the duration and severity of the impairment, our intent and ability to hold the securities (as well as the likelihood of a near-term recovery), and our intent to sell the securities and whether it was more likely than not that we would be required to sell the securities before the recovery of their amortized cost basis. If a determination was made that a debt security was other-than-temporarily impaired, the Company would estimate the amount of the unrealized loss that was attributable to credit and all other non-credit related factors. If we intended to hold securities in an unrealized loss position until the loss was recovered, which may be at maturity, the credit related component was recognized as an other-than-temporary impairment charge in non-interest income. The non-credit related component was recorded as an adjustment to accumulated other comprehensive income (loss), net of tax. The estimated fair value of debt securities, including mortgage-backed securities and corporate debt obligations is furnished by an independent third-party pricing service. The third-party pricing service primarily utilizes pricing models and methodologies that incorporate observable market inputs, including among other things, benchmark yields, reported trades, and projected prepayment and default rates. Management reviews the data and assumptions used in pricing the securities by its third-party provider for reasonableness. The Company has made the accounting policy election to exclude accrued interest receivable on securities from the estimate of credit losses. Accrued interest receivable totaled $2.5 million at December 31, 2021 and is reported in accrued interest receivable on the consolidated balance sheet. Trading securities are securities that are bought and may be held for the purpose of selling them in the near term. Trading securities are reported at estimated fair value, using quoted prices in active markets, with unrealized holding gains and losses reported as a component of gain (loss) on securities, net in non-interest income. Equity securities with readily determinable fair values are stated at fair value with unrealized gains and losses reported as a component of gain (loss) on securities, net in non-interest income. Equity securities without readily determinable fair values are recorded at net asset value less any impairment, if any. (f) Loans and Allowance for Credit Losses The accounting and reporting for PCD loans and loans classified as held-for-sale differs substantially from those loans classified by the Company as held-for-investment. For purposes of reporting, discussion and analysis, management has classified its loan portfolio into three categories: (1) loans originated by the Company and held-for-sale, which are carried at the lower of aggregate cost or estimated fair value, less costs to sell, and therefore have no associated allowance for loan losses, (2) PCD loans, which are held-for-investment, and initially valued at estimated fair value on the date of acquisition, with no initial related allowance for credit losses, and (3) Loans held-for-investment, which include originated loans carried at amortized cost, and acquired loans, with no evidence of credit deterioration, initially valued at fair value on the date of acquisition, less net charge-offs and the allowance for credit losses. Net loans held-for-investment are stated at unpaid principal balance, adjusted by unamortized premiums and unearned discounts, deferred origination fees and certain direct origination costs, and the allowance for credit losses. Interest income on loans is accrued and credited to income as earned. Net loan origination fees/costs are deferred and accreted/amortized to interest income over the loan’s contractual life using the level-yield method, adjusted for actual prepayments. Generally, loans held-for-sale are designated at time of origination and generally consist of newly originated fixed rate residential loans and are recorded at the lower of aggregate cost or estimated fair value in the aggregate. During 2021 and 2020, the Company transferred from held-for-investment to held-for-sale certain performing and nonperforming loans. Transfers of loans from held-for-investment to held-for-sale are infrequent and occur at fair value less costs to sell, with any charge-off to allowance for credit losses. Gains are recognized on a settlement-date basis and are determined by the difference between the net sales proceeds and the carrying value of the loans, including any net deferred fees or costs. Net loans held-for-investment are deemed impaired when it is probable, based on current information, that the Company will not collect all amounts due in accordance with the contractual terms of the loan agreement. The Company has defined the population of impaired loans to be all non-accrual loans held-for-investment with an outstanding balance of $500,000 or greater and all loans restructured in troubled debt restructurings (“TDRs”). Loan held-for-investment are individually assessed to determine that the loan’s carrying value is not in excess of the expected future cash flows, discounted at the loan's original effective interest rate, or the fair value of the underlying collateral (less estimated costs to sell) if the loan is collateral dependent. Impairments, if any, are recognized through a charge to the allowance for credit losses on loans for the amount that the loan’s carrying value exceeds the discounted cash flow analysis or estimated fair value of collateral (less estimated costs to sell) if the loan is collateral dependent. Such amounts are charged-off when considered appropriate. Allowance for Credit Losses on Loans As noted previously, the Company adopted ASU 2016-13 on January 1, 2021, and thus 2021 follows the current expected credit losses methodology. Prior periods have been reported in accordance with previously applicable GAAP, which followed the incurred credit losses methodology. Under ASU 2016-13 the Company determines the allowance for credit losses on loans based upon a consideration of its historical portfolio loss experience, current borrower-specific risk characteristics, current conditions, forecasts of future economic conditions, reversion period, prepayments, and qualitative adjustments. The allowance is measured on a collective (loan segment) basis when similar risk characteristics exist. Loans that do not share common risk characteristics are evaluated on an individual basis and are excluded from the collective evaluation. Accrued interest on loans is excluded from the calculation of the allowance for credit losses due to the Company's non-accrual policy which results in the reversal of uncollectible accrued interest on non-accrual loans against interest income in a timely manner. Accrued interest receivable on loans held-for-investment totaled $9.4 million at December 31, 2021, and is reported in accrued interest receivable on the consolidated balance sheet. Allowance for Collectively Evaluated Loans Held-for-Investment . In estimating the quantitative component of the allowance on a collective basis, the Company uses a risk rating migration model which calculates an expected life of loan loss percentage for each loan by generating probability of default and loss given default metrics. These metrics are multiplied by the exposure at default, taking into consideration prepayments, to calculate the quantitative component of the allowance. The metrics are based on the migration of loans from performing to loss by credit risk rating or delinquency categories using historical life-of-loan analysis periods for each loan portfolio pool, and the severity of loss, based on the aggregate net lifetime losses incurred using the Company's own historical loss experience and comparable peer data loss history. The model's expected losses based on loss history are adjusted for qualitative adjustments to address risks that may not be adequately represented in the risk rating migration model. Among other things, these adjustments include and account for differences in: (i) changes in lending policies and procedures; (ii) changes in local, regional, national, and international economic and business conditions and developments that affect the collectability of our portfolio, including the condition of various market segments; (iii) changes in the experience, ability and depth of lending management and other relevant staff; (iv) changes in the quality of our loan review system; (v) the existence and effect of any concentrations of credit, and changes in the level of such concentrations; and (vi) the effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in our existing portfolio. The Company utilizes a two-year reasonable and supportable forecast period after which estimated losses revert to historical loss experience immediately for the remaining life of the loan. In establishing its estimate of expected credit losses, the Company utilizes five externally-sourced forward-looking economic scenarios developed by Moody's Analytics (“Moody's”). Management utilizes five different Moody's scenarios so as to incorporate uncertainties related to the economic environment arising from the COVID-19 pandemic. These scenarios, which range from more benign to more severe economic outlooks, include a ‘most likely outcome’ (the “Baseline” scenario) and four less likely scenarios referred to as the “Upside” and “Downside” scenarios. Each scenario is assigned a weighting with a majority of the weighting placed on the Baseline scenario and lower weights placed on both the Upside and Downside scenarios. The weighting assigned by management is based on the economic outlook and available information at the reporting date. The model projects economic variables under each scenario based on detailed statistical analyses. The Company has identified and selected key variables that most closely correlated to its historical credit performance, which include: Gross domestic product, unemployment, and three collateral indices: the Commercial Property Price Index, the Commercial Property Price Apartment Index and the Case-Shiller Home Price Index. Allowance for Individually Evaluated Loans. The Company measures specific reserves for individual loans that do not share common risk characteristics with other loans, consisting of all TDRs and non-accrual loans with an outstanding balance of $500,000 or greater. Loans individually evaluated for impairment are assessed to determine that the loan’s carrying value is not in excess of the estimated fair value of the collateral less cost to sell, if the loan is collateral-dependent, or the present value of the expected future cash flows, if the loan is not collateral-dependent. Management performs an evaluation of each impaired loan and generally obtains updated appraisals as part of the evaluation. In addition, management adjusts estimated fair values down to appropriately consider recent market conditions, our willingness to accept a lower sales price to effect a quick sale, and costs to dispose of any supporting collateral. Determining the estimated fair value of underlying collateral (and related costs to sell) can be difficult in illiquid real estate markets and is subject to significant assumptions and estimates. Management employs an independent third-party management firm that specializes in appraisal preparation and review to ascertain the reasonableness of updated appraisals. Projecting the expected cash flows under troubled debt restructurings which are not collateral-dependent is inherently subjective and requires, among other things, an evaluation of the borrower’s current and projected financial condition. Individually impaired loans that have no impairment losses are not considered for collective allowances described above. The Company elected to exclude accrued interest on loans from the amortized cost of loans held for investment. The accrued interest is reported in accrued interest receivable on the consolidated balance shee t and totaled $9.4 million at December 31, 2021. PCD/PCI Loans The Company adopted CECL using the prospective transition approach for PCD loans that were previously classified as PCI loans and accounted for under Accounting Standards Codification (“ASC”) Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality,” . In accordance with the standard, management did not reassess whether PCI loans met the criteria of PCD loans as of the date of adoption. On January 1, 2021, the amortized cost basis of the PCD assets was adjusted to reflect the addition of the $6.8 million of the allowance for credit losses. The remaining noncredit discount (based on the adjusted amortized cost basis)will be accreted into interest income at the effective interest rate as of January 1, 2021. Upon adoption of CECL, the Company elected to maintain pools of loans that were previously accounted for under ASC Subtopic 310-30 and will continue to account for these pools as a unit of account. Loans are only removed from existing pools if they are written off, paid off, or sold. Upon adoption of CECL, the allowance for credit losses was determined for each pool and added to the pool's carrying amount to establish a new amortized cost basis. The difference between the unpaid principal balance of the pool and the new amortized cost basis is the noncredit premium or discount which will be amortized into interest income over the remaining life of the pool. Changes to the allowance for credit losses after adoption are recorded through provision expense. The Company also maintains a reserve for estimated losses on off-balance sheet credit risks related to loan commitments and stand-by letters of credit. The reserve for off-balance sheet exposures is determined using the CECL reserve factor in the related funded loan segment, adjusted for an average historical funding rate. The allowance for credit losses for off-balance sheet credit exposures is recorded in other liabilities on the consolidated balance sheets and the corresponding provision is included in other non-interest expense. While management uses available information to estimate credit losses on loans, future additions may be necessary based on changes in conditions, including changes in economic conditions and forecasts, particularly in Richmond and Kings counties in New York, and Hunterdon, Mercer, Union and Middlesex counties in New Jersey and to a lesser extent eastern Pennsylvania. Accordingly, as with most financial institutions in the market area, the ultimate collectability of a substantial portion of the Company’s loan portfolio is susceptible to changes in conditions in the Company’s marketplace. In addition, future changes in laws and regulations could make it more difficult for the Company to collect all contractual amounts due on its loans and mortgage-backed securities. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. TDRs are loans where terms have been modified because of deterioration in the financial condition of the borrower. Modifications could include extension of the repayment terms of the loan, reduced interest rates, or forgiveness of accrued interest and/or principal. Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full or, if the obligation yields a market rate (a rate equal to the rate the Company was willing to accept at the time of the restructuring for a new loan with comparable risk), until the year subsequent to the year in which the restructuring takes place, provided the borrower has performed under the modified terms for a consecutive six-month period. The Company records an impairment charge equal to the difference between the present value of estimated future cash flows under the restructured terms discounted at the original loan’s effective interest rate, or the underlying collateral value, less estimated costs to sell, if the loan is collateral dependent. Changes in present values attributable to the passage of time are recorded as a component of the provision for loan losses. The CARES Act includes provisions that provide temporary relief from TDR accounting for certain types of modifications. Under these provisions, modifications deemed to be Coronavirus (“COVID-19”) related would not be considered a TDR if the loan was not more than 30 days past due as of December 31, 2019 and the deferral was executed between March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency or December 31, 2020. The termination of these provisions was extended, to the earlier of 60 days after the COVID-19 national emergency date or January 1, 2022, with the Consolidated Appropriations Act of 2021. The banking regulators issued similar guidance, which also clarified that a COVID-

Business Combinations

Business Combinations	12 Months Ended
	Dec. 31, 2021
Business Combination and Asset Acquisition [Abstract]
Business Combinations	Business Combinations On July 1, 2020, the Company completed its acquisition of VSB Bancorp, Inc. (“Victory”), parent company of Victory State Bank, in a stock transaction, which after purchase accounting adjustments added $402.8 million to total assets, including $180.4 million to loans, and $354.6 million to deposits, and six branch offices in Staten Island, New York. Under the terms of the merger agreement, each share of Victory common stock was exchanged for 2.0463 shares of Northfield common stock with fractional shares paid out in cash. The transaction was accounted for under the acquisition method of accounting. Under this method of accounting, the purchase price has been allocated to the respective assets acquired and liabilities assumed based upon their estimated fair values, net of tax, as of July 1, 2020, and results of operations have been included in the Company's consolidated statements of income from that date forward. The excess of consideration paid over the fair value of the net assets acquired has been recorded as goodwill. Direct costs related to the acquisition were expensed as incurred. During the year ended December 31, 2020, the Company incurred $4.3 million, respectively, of merger-related expenses, pre-tax, which are included in non-interest expense in the Company's consolidated statement of income. The following table summarizes the estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition for Victory (in thousands): At July 1, 2020 Fair Value Total Purchase Price $ 41,173 Assets acquired: Cash and cash equivalents $ 72,875 Debt securities available-for-sale 126,931 Loans 180,431 Accrued interest receivable 1,415 Bank-owned life insurance 5,714 Premises and equipment 7,789 Other assets 5,010 Total assets acquired 400,165 Liabilities assumed: Deposits 354,592 Other liabilities 7,001 Total liabilities assumed 361,593 Net assets acquired $ 38,572 Goodwill recorded in the merger $ 2,601 The calculation of goodwill is subject to change for up to one year after the date of acquisition as additional information that existed as of the acquisition date estimates and uncertainties become available. As of June 30, 2021, the Company finalized its review of the acquired assets and liabilities and recorded an adjustment to the carrying value of goodwill and a corresponding adjustment to deferred tax assets of $304,000. Fair Value Measurement of Assets Assumed and Liabilities Assumed Described below are the methods used to determine the fair value of the significant assets acquired and liabilities assumed in the Victory acquisition. Cash and cash equivalents. The estimated fair values of cash and cash equivalents approximate their stated face amounts, as these financial instruments are either due on demand or have short-term maturities. Debt securities Available-for-Sale. The estimated fair values of the securities were calculated utilizing Level 2 inputs. Prices for the securities were obtained from an independent nationally recognized third-party pricing service. Loans. The acquired loan portfolio was valued based on current guidance which defines fair value as the price that would be received to sell an asset or transfer a liability in an orderly transaction between market participants at the measurement date. Level 3 inputs were utilized to value the portfolio and included the use of present value techniques employing cash flow estimates and the incorporated assumptions that marketplace participants would use in estimating fair values. In instances where reliable market information was not available, the Company used its own assumptions in an effort to determine reasonable fair value. Specifically, management utilized three separate fair value analyses which a market participant would employ in estimating the total fair value adjustment. The three separate fair valuation methodologies used were: 1) interest rate loan fair value analysis; 2) general credit fair value adjustment; and 3) specific credit fair value adjustment. To prepare the interest rate fair value analysis, loans were grouped by characteristics such as loan type, term, collateral and rate. Market rates for similar loans were obtained from various external data sources and reviewed by Company management for reasonableness. The average of these rates was used as the fair value interest rate a market participant would utilize. A present value approach was utilized to calculate the interest rate fair value adjustment. The general credit fair value adjustment was calculated using a two-part general credit fair value analysis: 1) expected credit losses; and 2) estimated fair value adjustment for qualitative adjustments. The expected credit losses were calculated using an average of historical losses of the acquired bank and industry bench mark loss rates observed for loans with similar underlying characteristics. The adjustment related to qualitative adjustments was impacted by general economic conditions and the risk related to lack of familiarity with the originator's underwriting process. To calculate the specific credit fair value adjustment, management reviewed the acquired loan portfolio for loans meeting the definition of an impaired loan with deteriorated credit quality. Loans meeting this definition were reviewed by comparing the contractual cash flows to expected collectible cash flows. The aggregate expected cash flows less the acquisition date fair value resulted in an accretable yield amount. The accretable yield amount will be recognized over the life of the loans on a level yield basis as an adjustment to yield. The following is a summary of the credit impaired loans acquired in the Victory acquisition as of the closing date (in thousands): July 1, 2020 Contractually required principal and interest $ 7,809 Contractual cash flows not expected to be collected (non-accretable discount) 3,315 Expected cash flows to be collected at acquisition 4,494 Interest component of expected cash flows (accretable yield) (599) Fair value of acquired loans $ 3,895 Leases. Five lease obligations were added as part of the acquisition, and the Company recorded a $2.5 million operating lease right-of-use asset and operating lease liability for these lease obligations.

Debt Securities Available-for-S

Debt Securities Available-for-Sale	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities Available-for-Sale	Debt Securities Available-for-Sale The following is a comparative summary of mortgage-backed securities and other debt securities available-for-sale at December 31, 2021 and 2020 (in thousands): December 31, 2021 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 2,344 $ — $ (54) $ 2,290 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 579,035 5,233 (2,862) 581,406 Real estate mortgage investment conduits ("REMICs"): GSE 390,755 2,398 (1,443) 391,710 969,790 7,631 (4,305) 973,116 Other debt securities: Municipal bonds 71 1 — 72 Corporate bonds 233,311 192 (744) 232,759 233,382 193 (744) 232,831 Total debt securities available-for-sale $ 1,205,516 $ 7,824 $ (5,103) $ 1,208,237 December 31, 2020 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 3,168 $ — $ (10) $ 3,158 Mortgage-backed securities: Pass-through certificates: GSE 270,867 10,720 (244) 281,343 REMICs: GSE 884,414 7,027 (476) 890,965 Non-GSE 4 — — 4 1,155,285 17,747 (720) 1,172,312 Other debt securities: Municipal bonds 122 1 — 123 Corporate bonds 87,319 1,099 — 88,418 Asset-backed securities 779 15 — 794 88,220 1,115 — 89,335 Total debt securities available-for-sale $ 1,246,673 $ 18,862 $ (730) $ 1,264,805 The following is a summary of the expected maturity distribution of debt securities available-for-sale other than mortgage-backed securities at December 31, 2021 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 57,299 $ 57,295 Due after one year through five years 161,074 160,835 Due after five years through ten years 17,353 16,991 $ 235,726 $ 235,121 Contractual maturities for mortgage-backed securities are not included above, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties. Certain securities available-for-sale are pledged or encumbered to secure borrowings under Pledge Agreements and Repurchase Agreements and for other purposes required by law. At December 31, 2021, and December 31, 2020, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $522.1 million and $542.1 million, respectively. See Note 10 - “Borrowings” for further discussion regarding securities pledged or encumbered for borrowings. For the year ended December 31, 2021, the Company had gross proceeds of $329.0 million on sales of securities available-for-sale with gross realized gains of $1.5 million and no gross realized losses. For the year ended December 31, 2020, the Company had gross proceeds of $23.6 million on sales of securities available-for-sale with gross realized gains of $350,000 and gross realized losses of $23,000. For the year ended December 31, 2019, the Company had gross proceeds of $79.3 million on sales of securities available-for-sale with gross realized gains of $514,000 and no gross realized losses. The Company recognized net gains of $1.7 million, $1.6 million, and $2.0 million on its trading securities portfolio during the years ended December 31, 2021 and December 31, 2020, and December 31, 2019 respectively. The Company routinely sells securities when market pricing presents, in management’s assessment, an economic benefit that outweighs holding such security, and when smaller balance securities become cost prohibitive to carry. Gross unrealized losses on mortgage-backed securities and other debt securities available-for-sale, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020, were as follows (in thousands): December 31, 2021 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value U.S. Government agency securities $ — $ — $ (54) $ 2,290 $ (54) $ 2,290 Mortgage-backed securities: Pass-through certificates: GSE (2,543) 417,291 (318) 14,625 (2,861) 431,916 REMICs: GSE (1,350) 125,725 (94) 4,413 (1,444) 130,138 Other debt securities: Corporate bonds (744) 146,853 — — (744) 146,853 Total $ (4,637) $ 689,869 $ (466) $ 21,328 $ (5,103) $ 711,197 December 31, 2020 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value U.S. Government agency securities $ (10) $ 3,158 $ — $ — $ (10) $ 3,158 Mortgage-backed securities: Pass-through certificates: GSE (233) 28,419 (11) 459 (244) 28,878 REMICs: GSE (476) 210,569 — — (476) 210,569 Total $ (719) $ 242,146 $ (11) $ 459 $ (730) $ 242,605 The Company held 15 pass-through mortgage-backed securities issued or guaranteed by GSEs, 20 REMIC mortgage-backed securities issued or guaranteed by GSEs, and one U.S. Government agency security that were in a continuous unrealized loss position of twelve months or greater at December 31, 2021. There were 27 pass-through mortgage-backed securities issued or guaranteed by GSEs, 28 REMIC mortgage-backed securities issued or guaranteed by GSEs, and 21 corporate bonds that were in an unrealized loss position of less than twelve months at December 31, 2021. All securities referred to above were rated investment grade at December 31, 2021. Available-for-sale debt securities in unrealized loss positions are evaluated for impairment related to credit losses on a quarterly basis. In performing an assessment of whether any decline in fair value is due to a credit loss, the Company considers the extent to which the fair value is less than the amortized cost, changes in credit ratings, any adverse economic conditions, as well as all relevant information at the individual security level such as credit deterioration of the issuer or collateral underlying the security. In assessing the impairment, the Company compares the present value of cash flows expected to be collected with the amortized cost basis of the security. If it is determined that the decline in fair value was due to credit losses, an allowance for credit losses is recorded, limited to the amount the fair value is less than amortized cost basis. The Company did not recognize any allowance for credit losses on its available-for-sale debt securities during the year ended December 31, 2021. The non-credit related decrease in the fair value, such as a decline due to changes in market interest rates, is recorded in other comprehensive income, net of tax. The Company also assesses the intent to sell the securities (as well as the likelihood of a near-term recovery). If the Company intends to sell an available for sale debt security or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis, the debt security is written down to its fair value and the write down is charged to the debt security’s fair value at the reporting date with any incremental impairment reported in earnings. The Company has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Accrued interest receivable associated with debt securities available-for-sale totaling $2.5 million at December 31, 2021 was reported in accrued interest receivable on the consolidated balance sheet.

Debt Securities Held-to-Maturit

Debt Securities Held-to-Maturity	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Debt Securities Held-to-Maturity	Debt Securities Held-to-Maturity The following is a summary of mortgage-backed securities held-to-maturity at December 31, 2021 and 2020 (in thousands): December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSEs $ 5,283 $ 192 $ — $ 5,475 Total securities held-to-maturity $ 5,283 $ 192 $ — $ 5,475 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSEs $ 7,234 $ 340 $ — $ 7,574 Total securities held-to-maturity $ 7,234 $ 340 $ — $ 7,574 Contractual maturities for mortgage-backed securities are not presented, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties. There were no sales of held-to-maturity securities for the years ended December 31, 2021, 2020 and 2019. At December 31, 2021, and December 31, 2020, debt securities held-to-maturity with a carrying value of $2.1 million and $5.9 million, respectively, were pledged to secure repurchase agreements and deposits. See Note 10 - “Borrowings” for further discussion regarding securities pledged or encumbered for borrowings. At December 31, 2021 and 2020, there were no debt securities held-to-maturity in an unrealized loss position. The Company's held-to-maturity securities are residential mortgage-backed securities issued by Ginnie Mae, Freddie Mac and Fannie Mae, and it is expected that the securities will not be settled at prices less than the amortized cost bases of the securities as such securities are backed by the full faith and credit of and/or guaranteed by the U.S. Government. Accordingly, no allowance for credit losses has been recorded for these securities. The Company has made the accounting policy election to exclude accrued interest receivable on held-to-maturity securities from the estimate of credit losses. Accrued interest receivable associated with held-to-maturity securities totaling $16,000 at December 31, 2021 was reported in accrued interest receivable on the consolidated balance sheet.

Equity Securities

Equity Securities	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Equity Securities	Debt Securities Available-for-Sale The following is a comparative summary of mortgage-backed securities and other debt securities available-for-sale at December 31, 2021 and 2020 (in thousands): December 31, 2021 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 2,344 $ — $ (54) $ 2,290 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 579,035 5,233 (2,862) 581,406 Real estate mortgage investment conduits ("REMICs"): GSE 390,755 2,398 (1,443) 391,710 969,790 7,631 (4,305) 973,116 Other debt securities: Municipal bonds 71 1 — 72 Corporate bonds 233,311 192 (744) 232,759 233,382 193 (744) 232,831 Total debt securities available-for-sale $ 1,205,516 $ 7,824 $ (5,103) $ 1,208,237 December 31, 2020 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 3,168 $ — $ (10) $ 3,158 Mortgage-backed securities: Pass-through certificates: GSE 270,867 10,720 (244) 281,343 REMICs: GSE 884,414 7,027 (476) 890,965 Non-GSE 4 — — 4 1,155,285 17,747 (720) 1,172,312 Other debt securities: Municipal bonds 122 1 — 123 Corporate bonds 87,319 1,099 — 88,418 Asset-backed securities 779 15 — 794 88,220 1,115 — 89,335 Total debt securities available-for-sale $ 1,246,673 $ 18,862 $ (730) $ 1,264,805 The following is a summary of the expected maturity distribution of debt securities available-for-sale other than mortgage-backed securities at December 31, 2021 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 57,299 $ 57,295 Due after one year through five years 161,074 160,835 Due after five years through ten years 17,353 16,991 $ 235,726 $ 235,121 Contractual maturities for mortgage-backed securities are not included above, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties. Certain securities available-for-sale are pledged or encumbered to secure borrowings under Pledge Agreements and Repurchase Agreements and for other purposes required by law. At December 31, 2021, and December 31, 2020, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $522.1 million and $542.1 million, respectively. See Note 10 - “Borrowings” for further discussion regarding securities pledged or encumbered for borrowings. For the year ended December 31, 2021, the Company had gross proceeds of $329.0 million on sales of securities available-for-sale with gross realized gains of $1.5 million and no gross realized losses. For the year ended December 31, 2020, the Company had gross proceeds of $23.6 million on sales of securities available-for-sale with gross realized gains of $350,000 and gross realized losses of $23,000. For the year ended December 31, 2019, the Company had gross proceeds of $79.3 million on sales of securities available-for-sale with gross realized gains of $514,000 and no gross realized losses. The Company recognized net gains of $1.7 million, $1.6 million, and $2.0 million on its trading securities portfolio during the years ended December 31, 2021 and December 31, 2020, and December 31, 2019 respectively. The Company routinely sells securities when market pricing presents, in management’s assessment, an economic benefit that outweighs holding such security, and when smaller balance securities become cost prohibitive to carry. Gross unrealized losses on mortgage-backed securities and other debt securities available-for-sale, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020, were as follows (in thousands): December 31, 2021 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value U.S. Government agency securities $ — $ — $ (54) $ 2,290 $ (54) $ 2,290 Mortgage-backed securities: Pass-through certificates: GSE (2,543) 417,291 (318) 14,625 (2,861) 431,916 REMICs: GSE (1,350) 125,725 (94) 4,413 (1,444) 130,138 Other debt securities: Corporate bonds (744) 146,853 — — (744) 146,853 Total $ (4,637) $ 689,869 $ (466) $ 21,328 $ (5,103) $ 711,197 December 31, 2020 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value U.S. Government agency securities $ (10) $ 3,158 $ — $ — $ (10) $ 3,158 Mortgage-backed securities: Pass-through certificates: GSE (233) 28,419 (11) 459 (244) 28,878 REMICs: GSE (476) 210,569 — — (476) 210,569 Total $ (719) $ 242,146 $ (11) $ 459 $ (730) $ 242,605 The Company held 15 pass-through mortgage-backed securities issued or guaranteed by GSEs, 20 REMIC mortgage-backed securities issued or guaranteed by GSEs, and one U.S. Government agency security that were in a continuous unrealized loss position of twelve months or greater at December 31, 2021. There were 27 pass-through mortgage-backed securities issued or guaranteed by GSEs, 28 REMIC mortgage-backed securities issued or guaranteed by GSEs, and 21 corporate bonds that were in an unrealized loss position of less than twelve months at December 31, 2021. All securities referred to above were rated investment grade at December 31, 2021. Available-for-sale debt securities in unrealized loss positions are evaluated for impairment related to credit losses on a quarterly basis. In performing an assessment of whether any decline in fair value is due to a credit loss, the Company considers the extent to which the fair value is less than the amortized cost, changes in credit ratings, any adverse economic conditions, as well as all relevant information at the individual security level such as credit deterioration of the issuer or collateral underlying the security. In assessing the impairment, the Company compares the present value of cash flows expected to be collected with the amortized cost basis of the security. If it is determined that the decline in fair value was due to credit losses, an allowance for credit losses is recorded, limited to the amount the fair value is less than amortized cost basis. The Company did not recognize any allowance for credit losses on its available-for-sale debt securities during the year ended December 31, 2021. The non-credit related decrease in the fair value, such as a decline due to changes in market interest rates, is recorded in other comprehensive income, net of tax. The Company also assesses the intent to sell the securities (as well as the likelihood of a near-term recovery). If the Company intends to sell an available for sale debt security or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis, the debt security is written down to its fair value and the write down is charged to the debt security’s fair value at the reporting date with any incremental impairment reported in earnings. The Company has made the accounting policy election to exclude accrued interest receivable on available-for-sale securities from the estimate of credit losses. Accrued interest receivable associated with debt securities available-for-sale totaling $2.5 million at December 31, 2021 was reported in accrued interest receivable on the consolidated balance sheet.

Loans

Loans	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Loans	Loans On January 1, 2021, the Company adopted the CECL standard for measuring credit losses, which replaced the incurred loss methodology. As a result of adopting CECL, the Company combined its originated loan portfolio and the acquired loan portfolio into the respective portfolio segments. Other than to combine the originated and non-PCD acquired loan portfolios, the Company's portfolio segments and loan classes remain unchanged following the adoption of the CECL standard. Prior period disclosures have been revised to conform to current period presentation (by combining originated and acquired portfolio segments), however, the Company did not recast comparative financial information and that is still presented in accordance with previous applicable provisions of U.S. GAAP. The following table summarizes the Company's loans held-for-investment, net, (in thousands): December 31, 2021 2020 Real estate loans: Multifamily $ 2,518,065 $ 2,509,310 Commercial mortgage 808,597 716,973 One-to-four family residential mortgage 183,665 210,817 Home equity and lines of credit 109,956 91,126 Construction and land 27,495 74,318 Total real estate loans 3,647,778 3,602,544 Commercial and industrial loans (1) 141,005 194,352 Other loans 2,015 3,029 Total commercial and industrial and other loans 143,020 197,381 Deferred origination loan fees, net (2) — 4,795 Loans held-for-investment, net (excluding PCD/PCI) 3,790,798 3,804,720 PCD/PCI Loans 15,819 18,518 Total loans held-for-investment, net 3,806,617 3,823,238 Allowance for credit losses (38,973) (37,607) Net loans held-for-investment $ 3,767,644 $ 3,785,631 (1) Included in commercial and industrial loans at December 31, 2021 and 2020 are PPP loans totaling $40.5 million and $126.5 million, respectively. (2) Under CECL, origination deferred fees, deferred fees on acquired loans, and purchase accounting adjustments in connection with loans acquired are included in loans by respective portfolio. The Company had no loans held-for-sale at December 31, 2021. At December 31, 2020, loans held-for-sale totaled $19.9 million. In addition to originating loans, the Company may acquire loans through portfolio purchases or acquisitions of other companies. Purchased loans that have evidence of more than insignificant credit deterioration since origination are deemed PCD loans. In accordance with ASU 2016-13, with its adoption of the CECL standard, the Company did not reassess whether previously recognized PCI loans accounted for under prior accounting guidance met the criteria of a PCD loan as of the date of adoption. All loans considered to be PCI prior to the adoption of CECL were converted to PCD upon adoption. For PCD loans, each loan pool is accounted for as a single asset with a single composite interest rate and an aggregate expectation of cash flows. PCD loans totaled $15.8 million at December 31, 2021, as compared to $18.5 million at December 31, 2020. The majority of the PCD loan balance was attributable to those loans acquired as part of a FDIC-assisted transaction. At December 31, 2021, PCD loans consisted of approximately 16% one-to-four family residential loans, 25% commercial real estate loans, and 48% commercial and industrial loans, with the remaining balance in construction and land and home equity loans. At December 31, 2020, PCD loans consisted of approximately 22% one-to-four family residential loans, 23% commercial real estate loans, and 40% commercial and industrial loans, with the remaining balance in construction and land and home equity loans. Credit Quality Indicators The Company monitors the credit quality of its loan portfolio on a regular basis. Credit quality is monitored by reviewing certain credit quality indicators. Management has determined that loan-to-value ratios (at period end) and internally assigned credit risk ratings by loan type are the key credit quality indicators that best measure the credit quality of the Company’s loan receivables. Loan-to-value (“LTV”) ratios used by management in monitoring credit quality are based on current period loan balances and original appraised values at the time of origination (unless a current appraisal has been obtained as a result of the loan being deemed impaired). The Company maintains a credit risk rating system as part of the risk assessment of its loan portfolio. The Company’s lending officers are required to assign a credit risk rating to each loan in their portfolio at origination. This risk rating is reviewed periodically and adjusted if necessary. Monthly, management presents monitored assets to the loan committee. In addition, the Company engages a third-party independent loan reviewer that performs semi-annual reviews of a sample of loans, validating the credit risk ratings assigned to such loans. The credit risk ratings play an important role in the establishment of the provision for credit losses on loans and the allowance for credit losses for loans held-for-investment. After determining the loss factor for each portfolio segment held-for-investment, the collectively evaluated for impairment balance of the held-for-investment portfolio is multiplied by the collectively evaluated for impairment loss factor for the respective portfolio segment in order to determine the allowance for loans collectively evaluated for impairment. When assigning a credit risk rating to a loan, management utilizes the Bank’s internal nine-point credit risk rating system. 1. Strong 2. Good 3. Acceptable 4. Adequate 5. Watch 6. Special Mention 7. Substandard 8. Doubtful 9. Loss Loans rated 1 to 5 are considered pass ratings. An asset is classified substandard if it is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Substandard assets have well defined weaknesses based on objective evidence, and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Assets classified as doubtful have all of the weaknesses inherent in those classified substandard with the added characteristic that the weaknesses present make collection or liquidation in full highly questionable and improbable based on current circumstances. Assets classified as loss are those considered uncollectible and of such little value that their continuance as assets is not warranted. Assets which do not currently expose the Company to sufficient risk to warrant classification in one of the aforementioned categories, but possess weaknesses, are required to be designated special mention. The following table presents the Company’s loans held-for-investment, excluding PCD loans, by loan class, credit risk ratings and year of origination, at December 31, 2021 (in thousands): December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 723,029 $ 525,078 $ 322,067 $ 238,692 $ 231,647 $ 461,834 $ 184 $ 2,502,531 Special mention — — — — — 425 — 425 Substandard — — 1,724 5,401 — 7,984 — 15,109 Total multifamily 723,029 525,078 323,791 244,093 231,647 470,243 184 2,518,065 Commercial Pass 153,803 72,718 97,228 99,165 65,750 274,195 2,589 765,448 Special mention — — 505 — 1,095 8,559 — 10,159 Substandard 10,881 — 7,866 — 2,854 11,389 — 32,990 Total commercial 164,684 72,718 105,599 99,165 69,699 294,143 2,589 808,597 One-to-four family residential Pass 12,095 9,040 11,244 13,299 10,232 120,693 1,004 177,607 Special mention — — 467 — — 2,336 — 2,803 Substandard — — 517 — — 2,738 — 3,255 Total one-to-four family residential 12,095 9,040 12,228 13,299 10,232 125,767 1,004 183,665 Home equity and lines of credit Pass 18,449 12,244 7,347 6,031 2,592 11,162 51,494 109,319 Special mention — — — — — 103 — 103 Substandard — — 96 50 — 388 — 534 Total home equity and lines of credit 18,449 12,244 7,443 6,081 2,592 11,653 51,494 109,956 Construction and land Pass 9,883 5,755 2,039 4,062 1,809 3,467 480 27,495 Total construction and land 9,883 5,755 2,039 4,062 1,809 3,467 480 27,495 Total real estate loans 928,140 624,835 451,100 366,700 315,979 905,273 55,751 3,647,778 Commercial and industrial Pass 45,426 10,087 4,378 2,316 640 9,298 61,728 133,873 Special mention — — 166 — 132 224 50 572 Substandard — 361 154 595 — 726 4,724 6,560 Total commercial and industrial 45,426 10,448 4,698 2,911 772 10,248 66,502 141,005 Other Pass 1,715 156 19 26 — 49 50 2,015 Total other 1,715 156 19 26 — 49 50 2,015 Total loans held-for-investment, net $ 975,281 $ 635,439 $ 455,817 $ 369,637 $ 316,751 $ 915,570 $ 122,303 $ 3,790,798 The following table details the recorded investment of loans held-for-investment, excluding PCI loans, net of deferred fees and costs, by loan type and credit quality indicator at December 31, 2020 (in thousands): December 31, 2020 Real Estate Multifamily Commercial One-to-Four Family Home Equity and Lines of Credit Construction and Land Commercial and Industrial Other Total Internal Risk Rating Pass $ 2,497,556 $ 667,568 $ 207,633 $ 92,385 $ 74,351 $ 189,372 $ 3,026 $ 3,731,891 Special Mention 458 20,422 2,456 311 — 498 — 24,145 Substandard 14,920 29,576 2,133 441 — 1,611 3 48,684 Total loans held-for-investment, net $ 2,512,934 $ 717,566 $ 212,222 $ 93,137 $ 74,351 $ 191,481 $ 3,029 $ 3,804,720 Past Due and Non-Accrual Loans Included in loans receivable held-for-investment are loans for which the accrual of interest income has been discontinued due to deterioration in the financial condition of the borrowers. The recorded investment of these non-accrual loans was $7.6 million and $8.5 million at December 31, 2021, and December 31, 2020, respectively. Generally, originated loans are placed on non-accrual status when they become 90 days or more delinquent, or sooner if considered appropriate by management, and remain on non-accrual status until they are brought current, have six consecutive months of performance under the loan terms, and factors indicating reasonable doubt about the timely collection of payments no longer exist. Therefore, loans may be current in accordance with their loan terms, or may be less than 90 days delinquent and still be on a non-accruing status. When an individual loan no longer demonstrates the similar credit risk characteristics as other loans within its current segment, the Company evaluates each for expected credit losses on an individual basis. All non-accrual loans $500,000 and above and all loans designated as TDRs are individually evaluated. The non-accrual amounts included in loans individually evaluated for impairment were $4.2 million and $5.5 million at December 31, 2021, and December 31, 2020, respectively. Loans on non-accrual status with principal balances less than $500,000, and therefore not meeting the Company’s definition of an impaired loan, amounted to $3.4 million at December 31, 2021, and $3.0 million at December 31, 2020. Loans past due 90 days or more and still accruing interest were $384,000 and $1.1 million at December 31, 2021, and December 31, 2020, respectively, and consisted of loans that are well secured and in the process of collection. The Company had no loans held-for-sale at December 31, 2021. At December 31, 2020, the Company had $19.9 million in loans held-for-sale. At December 31, 2020, the loans held-for-sale were comprised of high risk commercial real estate and multifamily loans, primarily accommodation (hotel or motel) loans that were modified in the form of interest and/or principal payment deferrals due to COVID-19 related hardships, and have not returned to contractual payments after 180 days of relief. The sale of these loans was completed in the first quarter of 2021. The following tables set forth the detail, and delinquency status, of non-performing loans (non-accrual loans and loans past due 90 days or more and still accruing), net of deferred fees and costs, at December 31, 2021, and December 31, 2020, excluding PCD/PCI loans (in thousands): December 31, 2021 Total Non-Performing Loans Non-Accruing Loans Current 30-89 Days Past Due 90 Days or More Past Due Total 90 Days or More Past Due and Accruing Total Non-Performing Loans Loans held-for-investment: Real estate loans: Multifamily Substandard $ — $ 280 $ 1,602 $ 1,882 $ — $ 1,882 Total multifamily — 280 1,602 1,882 — 1,882 Commercial Special Mention — — 280 280 — 280 Substandard 2,944 — 1,893 4,837 147 4,984 Total commercial 2,944 — 2,173 5,117 147 5,264 One-to-four family residential Substandard — — 314 314 165 479 Total one-to-four family residential — — 314 314 165 479 Home equity and lines of credit Substandard — — 281 281 — 281 Total home equity and lines of credit — — 281 281 — 281 Total real estate 2,944 280 4,370 7,594 312 7,906 Commercial and industrial loans Pass — — — — 72 72 Substandard 28 — — 28 — 28 Total commercial and industrial loans 28 — — 28 72 100 Total non-performing loans $ 2,972 $ 280 $ 4,370 $ 7,622 $ 384 $ 8,006 December 31, 2020 Total Non-Performing Loans Non-Accruing Loans Current 30-89 Days Past Due 90 Days or More Past Due Total 90 Days or More Past Due and Accruing Total Non-Performing Loans Loans held-for-investment: Real estate loans: Multifamily Substandard $ — $ — $ 1,153 $ 1,153 $ — $ 1,153 Total multifamily — — 1,153 1,153 — 1,153 Commercial Pass — — — — 500 500 Substandard 2,829 537 2,863 6,229 — 6,229 Total commercial 2,829 537 2,863 6,229 500 6,729 One-to-four family residential Substandard 413 — 493 906 174 1,080 Total one-to-four family residential 413 — 493 906 174 1,080 Home equity and lines of credit Substandard 60 — 131 191 — 191 Total home equity and lines of credit 60 — 131 191 — 191 Total real estate 3,302 537 4,640 8,479 674 9,153 Commercial and industrial loans Pass — — — — 101 101 Special mention — — — — 85 85 Substandard — — 37 37 250 287 Total commercial and industrial loans — — 37 37 436 473 Other loans Pass — — — — 3 3 Total other — — — — 3 3 Total non-performing loans $ 3,302 $ 537 $ 4,677 $ 8,516 $ 1,113 $ 9,629 The following tables set forth the detail and delinquency status of loans held-for-investment, excluding PCD/PCI loans, net of deferred fees and costs, at December 31, 2021 and December 31, 2020 (in thousands): December 31, 2021 Past Due Loans 30-89 Days Past Due 90 Days or More Past Due 90 Days or More Past Due and Accruing Total Past Due Current Total Loans Receivable, net Loans held-for-investment: Real estate loans: Multifamily Pass $ — $ — $ — $ — $ 2,502,531 $ 2,502,531 Special mention — — — — 425 425 Substandard 280 1,602 — 1,882 13,227 15,109 Total multifamily 280 1,602 — 1,882 2,516,183 2,518,065 Commercial Pass 77 — — 77 765,371 765,448 Special mention 67 280 — 347 9,812 10,159 Substandard — 1,893 147 2,040 30,950 32,990 Total commercial 144 2,173 147 2,464 806,133 808,597 One-to-four family residential Pass 206 — — 206 177,401 177,607 Special mention 387 — — 387 2,416 2,803 Substandard — 314 165 479 2,776 3,255 Total one-to-four family residential 593 314 165 1,072 182,593 183,665 Home equity and lines of credit Pass 316 — — 316 109,003 109,319 Special mention — — — — 103 103 Substandard 96 281 — 377 157 534 Total home equity and lines of credit 412 281 — 693 109,263 109,956 Construction and land Pass — — — — 27,495 27,495 Total construction and land — — — — 27,495 27,495 Total real estate 1,429 4,370 312 6,111 3,641,667 3,647,778 Commercial and industrial Pass 2 — 72 74 133,799 133,873 Special mention — — — — 572 572 Substandard — — — — 6,560 6,560 Total commercial and industrial 2 — 72 74 140,931 141,005 Other loans Pass 15 — — 15 2,000 2,015 Total other loans 15 — — 15 2,000 2,015 Total loans held-for-investment $ 1,446 $ 4,370 $ 384 $ 6,200 $ 3,784,598 $ 3,790,798 December 31, 2020 Past Due Loans 30-89 Days Past Due 90 Days or More Past Due 90 Days or More Past Due and Accruing Total Past Due Current Total Loans Receivable, net Loans held-for-investment: Real estate loans: Multifamily Pass $ 1,283 $ — $ — $ 1,283 $ 2,496,273 $ 2,497,556 Special mention — — — — 458 458 Substandard 610 1,153 — 1,763 13,157 14,920 Total multifamily 1,893 1,153 — 3,046 2,509,888 2,512,934 Commercial Pass 6,072 — 500 6,572 660,996 667,568 Special mention 72 — — 72 20,350 20,422 Substandard 3,185 2,863 — 6,048 23,528 29,576 Total commercial 9,329 2,863 500 12,692 704,874 717,566 One-to-four family residential Pass 282 — — 282 207,351 207,633 Special mention 870 — — 870 1,586 2,456 Substandard — 493 174 667 1,466 2,133 Total one-to-four family residential 1,152 493 174 1,819 210,403 212,222 Home equity and lines of credit Pass 80 — — 80 92,305 92,385 Special mention 200 — — 200 111 311 Substandard 100 131 — 231 210 441 Total home equity and lines of credit 380 131 — 511 92,626 93,137 Construction and land Pass 994 — — 994 73,357 74,351 Total construction and land 994 — — 994 73,357 74,351 Total real estate 13,748 4,640 674 19,062 3,591,148 3,610,210 Commercial and industrial Pass 632 — 101 733 188,639 189,372 Special mention 61 — 85 146 352 498 Substandard 67 37 250 354 1,257 1,611 Total commercial and industrial 760 37 436 1,233 190,248 191,481 Other loans Pass 11 — 3 14 3,012 3,026 Substandard — — — — 3 3 Total other loans 11 — 3 14 3,015 3,029 Total loans held-for-investment $ 14,519 $ 4,677 $ 1,113 $ 20,309 $ 3,784,411 $ 3,804,720 The following tables summarize information on non-accrual loans, excluding PCD loans, at December 31, 2021 (in thousands): For the Year Ended December 31, 2021 December 31, 2021 Recorded Investment Unpaid Principal Balance With No Related Allowance Interest Income Real estate loans: Multifamily $ 1,882 $ 1,891 $ 512 $ 70 Commercial 5,117 5,627 3,729 85 One-to-four family residential 314 346 — 10 Home equity and lines of credit 281 530 — 2 Commercial and industrial 28 349 — 8 Total non-accrual loans $ 7,622 $ 8,743 $ 4,241 $ 175 The following table summarizes impaired loans, excluding PCI loans, at December 31, 2020 (in thousands): December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance With No Allowance Recorded: Real estate loans: Multifamily $ 626 $ 1,097 $ — Commercial 8,838 10,076 — One-to-four family residential 1,903 2,032 — Home equity and lines of credit 15 15 — Total real estate 11,382 13,220 — With a Related Allowance Recorded: Real estate loans: Commercial 1,812 2,244 (66) Home equity and lines of credit 32 32 (3) Total real estate 1,844 2,276 (69) Commercial and industrial loans 16 16 (4) Total: Real estate loans Multifamily 626 1,097 — Commercial 10,650 12,320 (66) One-to-four family residential 1,903 2,032 — Home equity and lines of credit 47 47 (3) Commercial and industrial loans 16 16 (4) $ 13,242 $ 15,512 $ (73) Included in the table above at December 31, 2020, are impaired loans with carrying balances of $7.8 million that were not written down by charge-offs or for which there are no specific reserves in our allowance for credit losses. Loans not written down by charge-offs or specific reserves at December 31, 2020, are considered to have sufficient collateral values, less costs to sell, to support the carrying balances of the loans. The following table summarizes the average recorded investment in impaired loans, excluding PCI loans, and interest income recognized as of, and for, the year ended December 31, 2020 (in thousands): For the Year Ended December 31, 2020 Average Recorded Investment Interest Income With No Allowance Recorded: Real estate loans: Multifamily $ 808 $ 50 Commercial 13,299 400 One-to-four family residential 2,134 94 Home equity and lines of credit 19 1 Commercial and industrial loans 30 — With a Related Allowance Recorded: Real estate loans: Commercial 2,374 107 One-to-four family residential 104 — Home equity and lines of credit 32 1 Commercial and industrial loans 17 1 Total: Real estate loans Multifamily 808 50 Commercial 15,673 507 One-to-four family residential 2,238 94 Home equity and lines of credit 51 2 Commercial and industrial loans 47 1 $ 18,817 $ 654 Collateral-Dependent Loans Loans for which the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral are considered to be collateral-dependent loans. Collateral can have a significant financial effect in mitigating exposure to credit risk and, where there is sufficient collateral, an allowance for credit losses is not recognized or is minimal. For collateral-dependent loans, the allowance for credit losses is individually assessed based on the fair value of the collateral less estimated costs of sale. The Company's collateral-dependent loans are secured by real estate. Collateral values are generally based on appraisals which are adjusted for changes in market indices. As of December 31, 2021, and December 31, 2020, the Company had $7.4 million and $10.2 million of collateral-dependent impaired loans, respectively. The collateral-dependent loans at December 31, 2021 consisted of $5.9 million of commercial real estate loans, $1.1 million of multifamily loans, and $365,000 of one-to-four family residential loans. For the year ended December 31, 2021, there was no significant deterioration or changes in the collateral securing these loans. Troubled Debt Restructured Loans The following tables summarize loans that were modified in a TDR during the years ended December 31, 2021 and 2020: Year Ended December 31, 2021 Number of Relationships Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (1) (Dollars in thousands) Troubled Debt Restructurings Commercial and industrial 2 $ 96 $ 96 Total Troubled Debt Restructurings 2 $ 96 $ 96 (1) Amounts are at time of modification. Year Ended December 31, 2020 Number of Relationships Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (1) (Dollars in thousands) Troubled Debt Restructurings Residential 1 $ 187 $ 187 Commercial Real Estate 2 544 544 Total Troubled Debt Restructurings 3 $ 731 $ 731 (1) Amounts are at time of modification. There were four commercial and industrial loans to two borrowers modified as TDRs during the year ended December 31, 2021, which were modified to reduce the interest rate, extend the maturity date, and restructure payment terms of the loans. There were four loans (to three borrowers) in the second table above, that requested COVID-19 relief and were modified as TDRs during the year ended December 31, 2020, all of which were modified to restructure payment terms. All four of the loans were delinquent and on non-accrual status prior to the implementation of our COVID-19 customer relief program (discussed further below) and were therefore considered to be TDRs. In response to the COVID-19 pandemic and its economic impact to customers, a short-term modification program that complied with Section 4013 of the CARES Act and the Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus was implemented to provide temporary payment relief to those borrowers directly impacted by COVID-19. The program allows for deferral of payments for 90 days, which may extend for an additional 90 day period, with modifications in the form of payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment. As of December 31, 2021, substantially all of the borrowers who had requested relief have returned to contractual payments. Two borrowers, with loans totaling $774,000, did not return to their contractual status; however, they are making partial payments. Loans in deferment status (“COVID-19 Modified Loans”) have continued to accrue interest during the deferment period unless otherwise classified as non-performing. COVID-19 Modified Loans are required to make escrow payments for real estate taxes and insurance, if applicable. The COVID-19 Modified Loan agreements also require loans to be brought back to their fully contractual terms within 12 to 18 months and include covenants that prohibit distributions, bonuses, or payments of management fees to related entities until all deferred payments are made. Consistent with industry regulatory guidance, borrowers who were otherwise current on loan payments and were granted COVID-19 related financial hardship payment deferrals will continue to be reported as current loans throughout the agreed upon deferral period. Borrowers who were delinquent in their payments to the Bank prior to requesting a COVID-19 related financial hardship payment deferral are reviewed on a case by case basis for TDR classification and non-performing loan status. At December 31, 2021 and 2020, the Company had TDRs of $9.0 million and $12.1 million, respectively. Management classifies all TDRs as loans individually evaluated for impairment. Loans individually evaluated for impairment are assessed to determine that the loan’s carrying value is not in excess of the estimated fair value of the collateral less cost to sell, if the loan is collateral-dependent, or the present value of the expected future cash flows, if the loan is not collateral-dependent. Management performs an evaluation of each impaired loan and generally obtains updated appraisals as part of the evaluation. In addition, management adjusts estimated fair values down to appropriately consider recent market conditions, our willingness to accept a lower sales price to effect a quick sale, and costs to dispose of any supporting collateral. Determining the estimated fair value of underlying collateral (and related costs to sell) can be difficult in illiquid real estate markets and is subject to significant assumptions and estimates. Management employs an independent third-party management firm that specializes in appraisal preparation and review to ascertain the reasonableness of updated appraisals. Projecting the expected cash flows under TDRs which are not collateral-dependent is inherently subjective and requires, among other things, an evaluation of the borrower’s current and projected financial condition. Actual results may be significantly different than our projections and our established allowance for credit losses on these loans, which could have a material effect on our financial results. There were no loans modified in the year December 31, 2021 that subsequently defaulted. Two commercial real estate loans modified during the year ended December 31, 2020, totaling $462,500 subsequently defaulted and were 90 days or more past due at December 31, 2020.

Allowance for Credit Losses (_A

Allowance for Credit Losses (“ACL”) on Loans	12 Months Ended
	Dec. 31, 2021
Credit Loss [Abstract]
Allowance for Credit Losses (“ACL”) on Loans	Allowance for Credit Losses ("ACL") on Loans On January 1, 2021, the Company adopted the CECL standard, which requires the measurement of expected credit losses for financial assets measured at amortized cost, including loans, and certain off-balance-sheet credit exposures. As a result of the adoption of CECL, the Company recorded a $10.4 million increase to its allowance for credit losses on loans, including $6.8 million related to PCD loans. For PCD loans, the allowance for credit losses recorded is recognized through a gross-up that increases the amortized cost basis of loans with a corresponding increase to the allowance for credit losses, and therefore results in no impact to shareholders' equity. Under the CECL standard, the Company determines the ACL on loans based upon a consideration of its historical portfolio loss experience, current borrower-specific risk characteristics, current conditions, forecasts of future economic conditions, reversion period, prepayments, and qualitative adjustments. The allowance is measured on a collective (loan segment) basis when similar risk characteristics exist. Loans that do not share common risk characteristics are evaluated on an individual basis and are excluded from the collective evaluation. Accrued interest on loans is excluded from the calculation of the ACL due to the Company's non-accrual policy which results in the reversal of uncollectible accrued interest on non-accrual loans against interest income in a timely manner. Accrued interest receivable on loans held-for-investment totaled $9.4 million at December 31, 2021, and is reported in accrued interest receivable on the consolidated balance sheet. The Company’s loan portfolio segmentation includes: multifamily, commercial real estate, one-to-four family residential mortgage, home equity and lines of credit, construction, commercial and industrial, and other consumer loans. Allowance for Collectively Evaluated Loans Held-for-Investment In estimating the quantitative component of the allowance on a collective basis, the Company uses a risk rating migration model which calculates an expected life of loan loss percentage for each loan by generating probability of default and loss given default metrics. These metrics are multiplied by the exposure at default, taking into consideration prepayments, to calculate the quantitative component of the ACL. The metrics are based on the migration of loans from performing to loss by credit risk rating or delinquency categories using historical life-of-loan analysis periods for each loan portfolio pool, and the severity of loss, based on the aggregate net lifetime losses incurred using the Company's own historical loss experience and comparable peer data loss history. The model's expected losses based on loss history are adjusted for qualitative adjustments to address risks that may not be adequately represented in the risk rating migration model. Among other things, these adjustments include and account for differences in: (i) changes in lending policies and procedures; (ii) changes in local, regional, national, and international economic and business conditions and developments that affect the collectability of our portfolio, including the condition of various market segments; (iii) changes in the experience, ability and depth of lending management and other relevant staff; (iv) changes in the quality of our loan review system; (v) the existence and effect of any concentrations of credit, and changes in the level of such concentrations; and (vi) the effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in our existing portfolio. The Company utilizes a two-year reasonable and supportable forecast period after which estimated losses revert to historical loss experience immediately for the remaining life of the loan. In establishing its estimate of expected credit losses, the Company utilizes five externally-sourced forward-looking economic scenarios developed by Moody's Analytics (“Moody's”). Management utilizes five different Moody's scenarios so as to incorporate uncertainties related to the economic environment arising from the COVID-19 pandemic. These scenarios, which range from more benign to more severe economic outlooks, include a ‘most likely outcome’ (the “Baseline” scenario) and four less likely scenarios referred to as the “Upside” and “Downside” scenarios. Each scenario is assigned a weighting with a majority of the weighting placed on the Baseline scenario and lower weights placed on both the Upside and Downside scenarios. The weighting assigned by management is based on the economic outlook and available information at the reporting date. The model projects economic variables under each scenario based on detailed statistical analyses. The Company has identified and selected key variables that most closely correlated to its historical credit performance, which include: Gross domestic product, unemployment, and three collateral indices: the Commercial Property Price Index, the Commercial Property Price Apartment Index and the Case-Shiller Home Price Index. Allowance for Individually Evaluated Loans The Company measures specific reserves for individual loans that do not share common risk characteristics with other loans, consisting of all TDRs and non-accrual loans with an outstanding balance of $500,000 or greater. Loans individually evaluated for impairment are assessed to determine that the loan’s carrying value is not in excess of the estimated fair value of the collateral less cost to sell, if the loan is collateral-dependent, or the present value of the expected future cash flows, if the loan is not collateral-dependent. Management performs an evaluation of each impaired loan and generally obtains updated appraisals as part of the evaluation. In addition, management adjusts estimated fair values down to appropriately consider recent market conditions, our willingness to accept a lower sales price to effect a quick sale, and costs to dispose of any supporting collateral. Determining the estimated fair value of underlying collateral (and related costs to sell) can be difficult in illiquid real estate markets and is subject to significant assumptions and estimates. Management employs an independent third-party management firm that specializes in appraisal preparation and review to ascertain the reasonableness of updated appraisals. Projecting the expected cash flows under troubled debt restructurings which are not collateral-dependent is inherently subjective and requires, among other things, an evaluation of the borrower’s current and projected financial condition. Actual results may be significantly different than our projections and our established allowance for credit losses on these loans, which could have a material effect on our financial results. Individually impaired loans that have no impairment losses are not considered for collective allowances described earlier. At December 31, 2021 and December 31, 2020, the ACL for loans individually evaluated for impairment was $30,200 and $73,000, respectively. PCD Loans The Company adopted CECL using the prospective transition approach for PCD loans that were previously classified as PCI loans and accounted for under Accounting Standards Codification (“ASC”) Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality,” . In accordance with the standard, management did not reassess whether PCI loans met the criteria of PCD loans as of the date of adoption. On January 1, 2021, the amortized cost basis of the PCD assets was adjusted to reflect the addition of the $6.8 million of the allowance for credit losses. The remaining noncredit discount (based on the adjusted amortized cost basis)will be accreted into interest income at the effective interest rate as of January 1, 2021. Upon adoption of CECL, the Company elected to maintain pools of loans that were previously accounted for under ASC Subtopic 310-30 and will continue to account for these pools as a unit of account. Loans are only removed from existing pools if they are written off, paid off, or sold. Upon adoption of CECL, the allowance for credit losses was determined for each pool and added to the pool's carrying amount to establish a new amortized cost basis. The difference between the unpaid principal balance of the pool and the new amortized cost basis is the noncredit premium or discount which will be amortized into interest income over the remaining life of the pool. Changes to the allowance for credit losses after adoption are recorded through provision expense. Allowance for Credit Losses – Off-Balance Sheet Exposures An ACL for off-balance-sheet exposures represents an estimate of expected credit losses arising from off-balance sheet exposures such as loan commitments, standby letters of credit and unused lines of credit (loans on books already). Commitments to fund unused lines of credit are agreements to lend additional funds to customers as long as there have been no violations of any of the conditions established in the agreements (original or restructured). Commitments to originate loans generally have a fixed expiration or other termination clauses, which may require payment of a fee. Since some of these loan commitments are expected to expire without being drawn upon, total commitments do not necessarily represent future cash requirements. The reserve for off-balance sheet exposures is determined using the CECL reserve factor in the related funded loan segment, adjusted for an average historical funding rate. The allowance for credit losses for off-balance sheet credit exposures is recorded in other liabilities on the consolidated balance sheets and the corresponding provision is included in other non-interest expense. The table below summarizes the allowance for credit losses for off-balance sheet credit exposures (in thousands): Year Ended December 31, 2021 Balance at beginning of period $ 808 Impact of CECL adoption 737 Balance at beginning of period 1,545 Provision for credit losses 307 Balance at end of period $ 1,852 A summary of changes in the allowance for credit losses for the years ended December 31, 2021, 2020, and 2019 follows (in thousands): December 31, 2021 2020 2019 Balance at beginning of year $ 37,607 $ 28,707 $ 27,497 Impact of CECL adoption 10,353 — — Balance at January 1 47,960 28,707 27,497 (Benefit)/provision for credit losses (6,184) 12,742 22 Recoveries 278 465 2,175 Charge-offs (3,081) (4,307) (987) Balance at end of year $ 38,973 $ 37,607 $ 28,707 The following tables set forth activity in our allowance for credit losses by loan type, as of, and for the years ended, December 31, 2021, and December 31, 2020. The following tables also detail the amount of loans receivable held-for-investment, net of deferred loan fees and costs, that are evaluated, individually and collectively, for impairment, and the related portion of allowance for credit losses that is allocated to each loan portfolio segment (in thousands): December 31, 2021 Real Estate Commercial (1) One-to-Four Family Home Equity and Lines of Credit Construction and Land Commercial and Industrial Other Total Loans (excluding PCD) PCD Total Allowance for credit losses: Beginning balance $ 33,005 $ 207 $ 260 $ 1,214 $ 1,842 $ 198 $ 36,726 $ 881 $ 37,607 Impact of CECL adoption (1,949) 5,233 419 (921) 947 (188) 3,541 6,812 10,353 Balance at January 1, 2021 31,056 5,440 679 293 2,789 10 40,267 7,693 47,960 Charge-offs — (21) — — (646) (3) (670) (2,411) (3,081) Recoveries 60 29 26 — 39 5 159 119 278 Provisions (credit) (4,331) (1,903) (145) (124) 991 (3) (5,515) (669) (6,184) Ending balance $ 26,785 $ 3,545 $ 560 $ 169 $ 3,173 $ 9 $ 34,241 $ 4,732 $ 38,973 Ending balance: individually evaluated for impairment $ 25 $ 2 $ 2 $ — $ 1 $ — $ 30 $ — $ 30 Ending balance: collectively evaluated for impairment $ 26,760 $ 3,543 $ 558 $ 169 $ 3,172 $ 9 $ 34,211 $ — $ 34,211 Ending balance: PCD loans evaluated for impairment (2) $ — $ — $ — $ — $ — $ — $ — $ 4,732 $ 4,732 Loans, net: Ending balance $ 3,326,662 $ 183,665 $ 109,956 $ 27,495 $ 141,005 $ 2,015 $ 3,790,798 $ 15,819 $ 3,806,617 Ending balance: individually evaluated for impairment $ 8,352 $ 1,562 $ 38 $ — $ 34 $ — $ 9,986 $ — $ 9,986 Ending balance: collectively evaluated for impairment $ 3,318,310 $ 182,103 $ 109,918 $ 27,495 $ 100,454 $ 2,015 $ 3,740,295 $ — $ 3,740,295 Ending balance: PCD loans evaluated for impairment (2) $ — $ — $ — $ — $ — $ — $ — $ 15,819 $ 15,819 PPP loans not evaluated for impairment (3) $ — $ — $ — $ — $ 40,517 $ — $ 40,517 $ — $ 40,517 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. (2) Upon adoption of CECL, the Company elected to maintain pools of PCD loans that were previously accounted for under ASC 310-30, and will continue to evaluate PCD loans under this guidance. (3) PPP loans are guaranteed by the SBA and therefore excluded from the allowance for credit losses. The allowance for credit losses on loans increased to $39.0 million at December 31, 2021, compared to $37.6 million at December 31, 2020, primarily due to the adoption of ASU 2016-13, partially offset by an improvement in the economic forecast, specifically an improvement in the forecast for unemployment and gross domestic product, as well as an improvement in asset quality. The improvement in asset quality is primarily attributable to an improvement in risk ratings as loans previously modified for COVID-19 relief returned to consistent payment status. December 31, 2020 Real Estate Commercial Multifamily One-to-Four Family Home Equity and Lines of Credit Construction and Land Commercial and Industrial Other Total Loans (excluding PCI) PCI Total Allowance for credit losses: Beginning balance $ 4,891 $ 20,203 $ 180 $ 317 $ 536 $ 1,640 $ 151 $ 27,918 $ 789 $ 28,707 Charge-offs (4,213) — — — — (94) — (4,307) — (4,307) Recoveries 414 — 5 27 — 13 6 465 — 465 Provisions (credit) 4,918 6,792 22 (84) 678 283 41 12,650 92 12,742 Ending balance $ 6,010 $ 26,995 $ 207 $ 260 $ 1,214 $ 1,842 $ 198 $ 36,726 $ 881 $ 37,607 Ending balance: individually evaluated for impairment $ 66 $ — $ — $ 3 $ — $ 4 $ — $ 73 $ — $ 73 Ending balance: collectively evaluated for impairment $ 5,944 $ 26,995 $ 207 $ 257 $ 1,214 $ 1,838 $ 198 $ 36,653 $ 881 $ 37,534 Loans, net: Ending balance $ 717,566 $ 2,512,934 $ 212,222 $ 93,137 $ 74,351 $ 191,481 $ 3,029 $ 3,804,720 $ 18,518 $ 3,823,238 Ending balance: individually evaluated for impairment $ 10,650 $ 626 $ 1,903 $ 47 $ — $ 16 $ — 13,242 $ — $ 13,242 Ending balance: collectively evaluated for impairment $ 706,916 $ 2,512,308 $ 210,319 $ 93,090 $ 74,351 $ 64,930 $ 3,029 $ 3,664,943 $ 18,518 $ 3,683,461 PPP loans not evaluated for impairment (1) $ — $ — $ — $ — $ — $ 126,535 $ — $ 126,535 $ — $ 126,535 (1) PPP loans are guaranteed by the SBA and therefore excluded from the allowance for credit losses.

Premises and Equipment, Net

Premises and Equipment, Net	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment, Net	Premises and Equipment, Net At December 31, 2021 and 2020, premises and equipment, less accumulated depreciation and amortization, consists of the following (in thousands): December 31, 2021 2020 At cost: Land $ 5,156 $ 5,156 Buildings and improvements 13,150 13,078 Capital leases 2,600 2,600 Furniture, fixtures, and equipment 31,269 29,880 Leasehold improvements 28,148 27,971 80,323 78,685 Accumulated depreciation and amortization (54,386) (50,497) Premises and equipment, net $ 25,937 $ 28,188

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	Deposits Deposit account balances are summarized as follows (dollars in thousands): As of December 31, 2021 2020 Amount Weighted Average Rate Amount Weighted Average Rate Transaction: Negotiable orders of withdrawal and interest-bearing checking $ 1,112,292 0.06 % $ 905,208 0.11 % Non-interest bearing checking 898,490 — % 695,831 — % Total transaction 2,010,782 0.03 % 1,601,039 0.06 % Savings: Money market 609,430 0.07 % 813,168 0.10 % Savings 1,166,761 0.10 % 1,140,717 0.19 % Total savings 1,776,191 0.09 % 1,953,885 0.15 % Certificates of deposit: Under $100,000 154,320 0.59 % 241,862 1.05 % $100,000 or more 228,041 0.75 % 279,765 0.71 % Total certificates of deposit 382,361 0.69 % 521,627 0.87 % Total deposits $ 4,169,334 0.12 % $ 4,076,551 0.21 % The Company had brokered deposits (included in certificates of deposit in the table above) of $31.0 million and $47.8 million at December 31, 2021 and 2020, respectively. Additionally included in the table above are $100.0 million of brokered money market deposits held as of December 31, 2020. Scheduled maturities of certificates of deposit are summarized as follows (in thousands): December 31, 2021 2022 $ 295,838 2023 51,691 2024 16,765 2025 13,363 2026 4,704 Total $ 382,361 Interest expense on deposits is summarized as follows (in thousands): December 31, 2021 2020 2019 Transaction $ 805 $ 2,372 $ 4,623 Savings and money market 2,226 7,869 15,850 Certificates of deposit 3,176 14,989 20,855 $ 6,207 $ 25,230 $ 41,328

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Borrowings	Borrowings Borrowings consisted of FHLB advances, securities sold under agreements to repurchase (repurchase agreements), and floating rate advances and are summarized as follows (in thousands): December 31, 2021 2020 Repurchase agreements $ 50,000 $ 75,000 Other borrowings: FHLB advances 365,000 510,000 Floating rate advances 6,755 6,789 $ 421,755 $ 591,789 FHLB advances are secured by a blanket lien on unencumbered securities and the Company’s FHLB capital stock. At December 31, 2021 and 2020, FHLB advances and repurchase agreements had contractual maturities as follows (in thousands): December 31, 2021 FHLB Repurchase Advances Agreements 2022 $ 95,000 $ 25,000 2023 87,500 — 2024 25,000 25,000 2025 112,500 — Thereafter 45,000 — $ 365,000 $ 50,000 December 31, 2020 FHLB Repurchase Advances Agreements 2021 $ 145,000 $ 25,000 2022 95,000 25,000 2023 87,500 — 2024 25,000 25,000 2025 112,500 — Thereafter 45,000 — $ 510,000 $ 75,000 Further information regarding FHLB advances and repurchase agreements is summarized as follows (in thousands): December 31, 2021 2020 2021 2020 FHLB Advances Repurchase Agreements Average balance during year $ 434,422 $ 562,467 $ 60,068 $ 75,000 Maximum outstanding at any month end $ 510,000 $ 695,000 $ 75,000 $ 75,000 Weighted average interest rate at end of year 2.10 % 2.05 % 2.36 % 2.30 % Weighted average interest rate during year 2.08 % 2.01 % 2.36 % 2.35 % All of the repurchase agreements mature after more than 90 days. The repurchase agreements were secured primarily by mortgage-backed securities with an amortized cost of $52.6 million and a fair value of $53.8 million as of December 31, 2021. At December 31, 2020, the repurchase agreements were secured primarily by mortgage-backed securities with an amortized cost of $88.9 million and a fair value of $91.4 million. The Company has the ability to obtain additional funding from the FHLB and Federal Reserve Bank discount window of approximately $2.09 billion, utilizing unencumbered and unpledged securities of $647.5 million and multifamily loans of $1.44 billion at December 31, 2021. The Company expects to have sufficient funds available to meet current commitments in the normal course of business. Interest expense on borrowings is summarized as follows (in thousands): December 31, 2021 2020 2019 Repurchase agreements $ 1,416 $ 1,762 $ 1,065 FHLB advances 9,026 11,323 10,795 Floating rate advances — 22 170 $ 10,442 $ 13,107 $ 12,030

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes Income tax expense (benefit) consists of the following (in thousands): December 31, 2021 2020 2019 Federal tax expense (benefit): Current $ 15,313 $ 11,270 $ 8,543 Deferred 3,107 (2,391) 376 18,420 8,879 8,919 State and local tax expense (benefit): Current 8,001 4,825 4,067 Deferred 52 (667) (199) 8,053 4,158 3,868 Total income tax expense $ 26,473 $ 13,037 $ 12,787 Reconciliation between the amount of reported total income tax expense and the amount computed by multiplying the applicable statutory income tax rate for the years ended December 31, 2021, 2020, and 2019, is as follows (dollars in thousands): December 31, 2021 2020 2019 Tax expense at statutory rate $ 20,397 $ 10,505 $ 11,135 Applicable statutory federal income tax rate 21 % 21 % 21 % Increase (decrease) in taxes resulting from: State tax, net of federal income tax 6,362 3,285 3,056 Bank owned life insurance (862) (793) (1,475) ESOP fair market value adjustment 102 42 187 Incentive stock options 6 18 81 Merger related costs — 147 — Excess tax benefits from employee share based payments — — (110) Other, net 468 (167) (87) Income tax expense $ 26,473 $ 13,037 $ 12,787 New Jersey State Taxation On July 1, 2018, the State of New Jersey enacted new legislation which established a 2.5% surtax on businesses that have New Jersey allocated net income in excess of $1.0 million. As originally enacted, the surtax was effective as of January 1, 2018 and continued through 2019, and was scheduled to decrease to 1.5% for 2020 and 2021, and expired beginning on or after January 1, 2022. New legislation enacted on September 29, 2020, extended the surtax rate of 2.5% through December 31, 2023, to be applied retrospectively to January 1, 2020. In addition, effective for taxable years beginning on or after January 1, 2019, banks are required to file combined reports of taxable income including their parent holding company. In May 2019, the State of New Jersey issued a tax technical bulletin, subsequently revised in December 2019, which gives guidance on the treatment of real estate investment trusts in connection with the combined reporting for New Jersey corporate business tax purposes. Real estate investment trusts and investment companies will be excluded from the combined group and will continue to file separate New Jersey tax returns. As a result of this guidance, the Company recorded an additional $889,000 of state tax expense net of federal benefit for the year ended December 31, 2019. The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020, are as follows (in thousands): December 31, 2021 2020 Deferred tax assets: Allowance for credit losses $ 11,057 $ 10,348 Deferred compensation 3,145 3,233 Accrued salaries 1,338 775 Postretirement benefits 354 346 Equity awards 2,051 2,170 Straight-line leases adjustment 1,713 1,533 Asset retirement obligation 68 71 Reserve for accrued interest receivable 620 675 Reserve for loan commitments 537 226 Employee Stock Ownership Plan 645 647 Other 317 293 Depreciation 3,229 2,798 Fair value adjustments of acquired loans 1,440 4,967 Fair value adjustments of pension benefit obligations 139 140 Total gross deferred tax assets 26,653 28,222 Deferred tax liabilities: Unrealized gains on securities – AFS 761 5,083 Unrealized actuarial gains on post retirement benefits 15 15 Fair value adjustments of acquired securities 580 825 Fair value adjustments of deposit liabilities 28 3 Deferred loan fees 2,010 1,387 Other 23 26 Total gross deferred tax liabilities 3,417 7,339 Net deferred tax asset $ 23,236 $ 20,883 Net deferred tax assets are included in other assets on the consolidated balance sheets. On January 1, 2021, the Company recorded $1.2 million of deferred tax assets as a result of the adoption of CECL. In 2020, the Company recorded net deferred tax assets of approximately $1.4 million as a result of the Victory acquisition. The Company has determined that it is not required to establish a valuation reserve for the deferred tax asset since it is “more likely than not” that the deferred tax asset will be realized through future reversals of existing taxable temporary differences. The conclusion that it is “more likely than not” that the deferred tax asset will be realized is based on the history of earnings and the prospects for continued profitability. Management will continue to review the tax criteria related to the recognition of deferred tax assets. As a savings institution, the Bank is subject to a special federal tax provision regarding its frozen tax bad debt reserve. At December 31, 2021 and December 31, 2020, the Bank’s federal tax bad debt base-year reserve was $5.9 million, with a related net deferred tax liability of $2.8 million, which has not been recognized since the Bank does not expect that this reserve will become taxable in the foreseeable future. Events that would result in taxation of this reserve include redemptions of the Bank’s stock or certain excess distributions by the Bank to the Company. A reconciliation of the Company’s uncertain tax positions are as follows (in thousands): December 31, 2021 2020 2019 Beginning balance $ 157 $ 190 $ 530 Settlements based on tax positions related to prior years (125) (33) (530) Additions based on tax positions related to prior years 109 — 190 Ending balance $ 141 $ 157 $ 190 The Company recognizes interest and penalties on income taxes in income tax expense. The following years are open for examination or under examination: • Federal tax filings for 2018 through present. • New York State tax filings 2015 through present. The 2015 through 2017 filings are currently under examination. • New York City tax filings 2018 through present. The 2018 and 2019 filings are currently under examination. • State of New Jersey 2017 through present.

Retirement Benefits

Retirement Benefits	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Retirement Benefits	Retirement Benefits The Company has a 401(k) plan for its employees, which grants eligible employees (those salaried employees with at least three months of service) the opportunity to invest from 2% to 100% (subject to certain IRS limitations) of their base compensation in certain investment alternatives. The Company contributes an amount equal to 25% of employee contributions on the first 6% of base compensation contributed by eligible employees for the first three years of participation. Subsequent years of participation in excess of three years will increase the Company matching contribution from 25% to 50% of an employee’s contributions, on the first 6% of base compensation contributed by eligible employees. A member becomes fully vested in the Company’s contributions upon (a) completion of five years of service, or (b) normal retirement, early retirement, permanent disability, or death. The Company’s contribution to this plan amounted to approximately $515,000, $508,000, and $426,000 for the years ended December 31, 2021, 2020, and 2019, respectively. The Company maintains the Northfield Bank ESOP. The ESOP is a tax-qualified plan designed to invest primarily in the Company’s common stock. The ESOP provides employees with the opportunity to receive a funded retirement benefit from the Bank, based primarily on the value of the Company’s common stock. The ESOP purchased 2,463,884 shares of the Company’s common stock in the Company’s initial public offering at a price of $7.13 per share, as adjusted. This purchase was funded with a loan from Northfield Bancorp, Inc. to the ESOP. The outstanding balance at December 31, 2021 and 2020 was $8.5 million and $9.5 million, respectively. The shares of the Company’s common stock purchased in the initial public offering are pledged as collateral for the loan. Shares are released for allocation to participants as loan payments are made. A total of 123,460 and 92,769 shares were released and allocated to participants of the ESOP for the years ended December 31, 2021 and 2020, respectively. Cash dividends on unallocated shares are utilized to satisfy required debt payments. Dividends on allocated shares are utilized to prepay debt which releases additional shares to participants. Upon completion of the Company’s second-step conversion, a second ESOP was established for employees in 2013, which purchased 1,422,357 shares of the Company’s common stock at a price of $10.00 per share. The purchase was funded with a loan from Northfield Bancorp, Inc. to the second ESOP. The outstanding balance at December 31, 2021 and 2020 was $10.8 million and $11.3 million, respectively. The shares of the Company’s common stock purchased in the second-step conversion are pledged as collateral for the loan. Shares are released for allocation to participants as loan payments are made. A total of 59,064 and 54,986 shares were released and allocated to participants of the second ESOP for the years ended December 31, 2021 and 2020, respectively. Cash dividends on unallocated shares are utilized to satisfy required debt payments. Dividends on allocated shares are utilized to prepay debt which releases additional shares to participants. ESOP compensation expense for both plans for the years ended December 31, 2021, 2020, and 2019 was $1.9 million, $1.4 million, and $1.9 million, respectively. The Company maintains a Supplemental Employee Stock Ownership Plan (the "SESOP"), a non-qualified plan, that provides supplemental benefits to certain executives who are prevented from receiving the full benefits contemplated by the ESOP’s benefit formula due to tax law limits for tax-qualified plans. The supplemental payments for the SESOP consist of cash payments representing the value of Company shares that cannot be allocated to participants under the ESOP due to legal limitations imposed on tax-qualified plans. The Company's required contributions to the SESOP plan were $41,000, $57,000, and $41,000 for the years ended December 31, 2021, 2020, and 2019, respectively. The Company provides post-retirement medical and life insurance to a limited number of retired individuals. The Company also provides retiree life insurance benefits to all qualified employees, up to certain limits. The following tables set forth the funded status and components of postretirement benefit costs at December 31 measurement dates (in thousands): 2021 2020 2019 Accumulated postretirement benefit obligation beginning of year $ 1,133 $ 1,241 $ 1,359 Service cost — — 9 Interest cost 22 33 52 Actuarial gain (77) (44) (76) Benefits paid (99) (97) (103) Accumulated postretirement benefit obligation end of year 979 1,133 1,241 Accrued liability (included in accrued expenses and other liabilities) $ 979 $ 1,133 $ 1,241 The following table sets forth the amounts recognized in accumulated other comprehensive income (loss) (in thousands): December 31, 2021 2020 Net loss $ 11 $ 87 Prior service credit (152) (171) Loss recognized in accumulated other comprehensive income (loss) $ (141) $ (84) The estimated net loss and prior service credit that will be amortized from accumulated other comprehensive income (loss) into net periodic cost in 2022, are $0 and $19,000, respectively. The following table sets forth the components of net periodic postretirement benefit costs for the years ended December 31, 2021, 2020, and 2019 (in thousands): December 31, 2021 2020 2019 Service cost $ — $ — $ 9 Interest cost 22 33 52 Amortization of prior service credits (20) (20) — Amortization of unrecognized loss — 1 2 Net postretirement benefit cost included in compensation and employee benefits $ 2 $ 14 $ 63 The assumed discount rate related to plan obligations reflects the weighted average of published market rates for high-quality corporate bonds with terms similar to those of the plans expected benefit payments, rounded to the nearest quarter percentage point. The Company’s discount rate and rate of compensation increase used in accounting for the plan are as follows: 2021 2020 2019 Assumptions used to determine benefit obligation at period end: Discount rate 2.50 % 2.00 % 2.75 % Rate of increase in compensation (1) N/A N/A 4.00 % Assumptions used to determine net periodic benefit cost for the year: Discount rate 2.00 % 2.75 % 4.00 % Rate of increase in compensation (1) N/A N/A 4.00 % (1) For 2021 and 2020, since the covered population is only retirees, a compensation rate increase assumption was not used. At December 31, 2021, a medical cost trend rate of 8.75% decreasing 0.50% per year thereafter until an ultimate rate of 4.75% is reached, was used in the plan’s valuation. The Company’s healthcare cost trend rates are based, among other things, on the Company’s own experience and third-party analysis of recent and projected healthcare cost trends. A one percentage-point change in assumed healthcare cost trends would have the following effects (in thousands): One Percentage Point Increase One Percentage Point Decrease 2021 2020 2021 2020 Effect on benefits earned and interest cost $ 2 $ 3 $ (2) $ (2) Effect on accumulated postretirement benefit obligation 78 97 (68) (84) A one percentage-point change in assumed healthcare cost trends would have the following effects (in thousands): One Percentage Point Increase One Percentage Point Decrease 2021 2020 2019 2021 2020 2019 Aggregate of service and interest $ 2 $ 3 $ 4 $ (2) $ (2) $ (4) Benefit payments of approximately $99,000, $97,000, and $103,000 were made in 2021, 2020, and 2019, respectively. The benefits expected to be paid under the postretirement health benefits plan for the next five years are as follows: $92,000 in 2022; $92,000 in 2023; $76,000 in 2024; $74,000 in 2025; and $71,000 in 2026. The benefit payments expected to be paid in the aggregate for the years 2027 through 2031 are $306,000. The expected benefits are based on the same assumptions used to measure the Company’s benefit obligation at December 31, 2021, and include estimated future employee service.

Equity Incentive Plan

Equity Incentive Plan	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Equity Incentive Plan	Equity Incentive Plans On May 22, 2019, the Northfield Bancorp, Inc. 2019 Equity Incentive Plan (the “2019 EIP”) was approved by stockholders of the Company. Under the 2019 EIP, the maximum number of shares of stock that may be delivered to participants in the form of stock options and stock appreciation rights (“SARs”) is 6,000,000. To the extent an equity award is issued in the form of a restricted stock grant, or restricted stock unit, the number of stock options/SARs that can be granted is reduced by 4.5. The maximum number of shares of stock that may be delivered to participants in the form of restricted stock awards and restricted stock units is 1,333,333 shares. As of December 31, 2021, a total of 4,737,701 stock options, SARs and restricted stock awards or restricted stock units remained available for issuance under the 2019 EIP, of which the maximum number of restricted stock awards and restricted stock units available for issuance was 1,052,822. Prior to May 22, 2019, the Company also maintained the Northfield Bancorp, Inc. 2014 Equity Incentive Plan (the “2014 EIP”) which allowed the Company to grant common stock or options to purchase common stock at specific prices to directors and employees of the Company. The 2014 EIP provided for the issuance or delivery of up to 4,978,249 shares (1,422,357 restricted shares and 3,555,892 stock options) of Northfield Bancorp, Inc. common stock subject to certain plan limitations. Upon approval of the 2019 EIP, the 2014 EIP was frozen and equity awards that would otherwise have been available for issuance were no longer available for grant, however, options previously granted under the 2014 EIP still remain outstanding and exercisable. There were no stock options granted in 2021, 2020 or 2019. During the years ended December 31, 2021, 2020, and 2019, the Company recorded, $994,000, $1.4 million, and $3.2 million of stock-based compensation, respectively. The following table is a summary of the Company’s stock options as of December 31, 2021, and changes therein during the year then ended: Number of Stock Options Weighted Average Grant Date Fair Value Weighted Average Exercise Price Weighted Average Contractual Life (years) Outstanding- December 31, 2019 2,227,193 $ 4.01 $ 13.93 4.96 Exercised (13,000) 3.93 13.38 — Outstanding- December 31, 2020 2,214,193 4.01 13.94 3.96 Forfeited (50,169) 13.62 Exercised (394,045) 3.96 13.90 — Outstanding- December 31, 2021 1,769,979 4.02 13.95 2.95 Exercisable- December 31, 2021 1,769,979 $ 4.02 $ 13.95 2.95 There was no remaining future stock option expense related to the options outstanding as of December 31, 2021, as all are vested. On January 29, 2021, the Company granted to directors and employees, under the 2019 Equity Incentive Plan, 147,315 restricted stock units with a total grant-date fair value of $1.8 million. Of these grants, 32,769 vest one year from the date of grant and 114,546 vest in equal installments over a five-year period beginning one year from the date of grant. The Company also issued 29,615 performance-based restricted stock units to its executive officers with a total grant date fair value of $366,041. Vesting of the performance-based restricted stock units will be based on achievement of certain levels of Core Return on Average Assets and will cliff-vest after a three-year measurement period ended January 29, 2024, based on the Company's performance relative to a peer group as determined by the Compensation Committee of the Board. At the end of the performance period, the number of actual shares to be awarded may vary between 0% and 225% of target amounts. On February 17, 2020, the Company granted to directors and employees, under the 2019 EIP, 83,744 restricted stock units with a total grant-date fair value of $1.3 million. Of these grants, 28,460 vest one year from the date of grant and 55,284 vest in equal installments over a five-year period beginning one year from the date of grant. The Company also issued 19,837 performance-based restricted stock units to its executive officers with a total grant date fair value of $313,623. Vesting of the performance-based restricted stock units will be based on achievement of certain levels of Core Return on Average Assets and will cliff-vest after a three-year measurement period ended December 31, 2022, based on the Company's performance relative to a peer group as determined by the Compensation Committee of the Board. At the end of the performance period, the number of actual shares to be awarded may vary between 0% and 225% of target amounts. The following is a summary of the status of the Company’s restricted shares as of December 31, 2021, and changes therein during the year then ended: Number of Shares Awarded Weighted Average Grant Date Fair Value Non-vested at December 31, 2019 71,102 $ 15.36 Granted 103,581 15.81 Vested (67,100) 15.18 Forfeited (3,573) 15.81 Non-vested at December 31, 2020 104,010 15.91 Granted 176,930 12.36 Vested (42,470) 16.06 Forfeited (15,626) 13.80 Non-vested at December 31, 2021 222,844 $ 13.21 Expected future stock award expense related to the non-vested restricted awards as of December 31, 2021, is $1.7 million over an average period of 3.42 years. Upon the exercise of stock options, management expects to utilize treasury stock as the source of issuance for these shares.

Commitments and Contingencies

Commitments and Contingencies	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies	Commitments and Contingencies The Company, in the normal course of business, is party to commitments that involve, to varying degrees, elements of risk in excess of the amounts recognized in the consolidated financial statements. These commitments include unused lines of credit and commitments to extend credit. At December 31, 2021 and 2020, the following commitment and contingent liabilities existed that are not reflected in the accompanying consolidated financial statements (in thousands): December 31, 2021 2020 Commitments to extend credit $ 159,403 $ 81,288 Unused lines of credit 245,860 153,960 Standby letters of credit 3,266 3,313 The Company’s maximum exposure to credit losses in the event of nonperformance by the other party to these commitments is represented by the contractual amount. The Company uses the same credit policies in granting commitments and conditional obligations as it does for amounts recorded in the consolidated balance sheets. These commitments and obligations do not necessarily represent future cash flow requirements. The Company evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary, is based on management’s assessment of risk. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third-party. The guarantees generally extend for a term of up to one year and are fully collateralized. For each guarantee issued, if the customer defaults on a payment to the third-party, the Company would have to perform under the guarantee. The unamortized fee on standby letters of credit approximates their fair value; such fees were insignificant at both December 31, 2021 and 2020. The Company maintains an allowance for credit losses on commitments to extend credit in other liabilities. The reserve for off-balance sheet exposures is determined using the CECL reserve factor in the related funded loan segment, adjusted for an average historical funding rate. At December 31, 2021 and 2020, the allowance was $1.9 million and $808,000, respectively, and is recorded in other liabilities on the consolidated balance sheets. The corresponding provision is included in other non-interest expense. For further details on the allowance for credit losses on off-balance sheet exposures refer to Note 7 - “Allowance for Credit Losses (“ACL”) on Loans.” At December 31, 2021, the Company was obligated under non-cancelable operating leases on property used for banking purposes. Most leases contain escalation clauses and renewal options which provide for increased rentals as well as for increases in certain property costs including real estate taxes, common area maintenance, and insurance. For further details on leases see Note 20 - “Leases.” In the normal course of business, the Company may be a party to various outstanding legal proceedings and claims. In the opinion of management, the consolidated financial statements will not be materially affected by the outcome of such legal proceedings and claims.

Regulatory Requirements

Regulatory Requirements	12 Months Ended
	Dec. 31, 2021
Regulatory Requirements [Abstract]
Regulatory Requirements	Regulatory Requirements Federal regulations require federally insured depository institutions to meet several minimum capital standards: a common equity Tier 1 capital to risk-based assets ratio of 4.5%, a Tier 1 capital to risk-based assets ratio of 6.0%, a total capital to risk-based assets of 8.0%, and a 4.0% Tier 1 capital to total assets leverage ratio. Under prompt corrective action regulations, the OCC is required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution. Such actions could have a direct material effect on the institution’s financial statements. The regulations establish a framework for the classification of savings institutions into five categories: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. Generally, an institution is considered well capitalized if it has a leverage (Tier 1) ratio of 5.0% or greater, a common equity Tier 1 ratio of 6.5% or greater, a Tier 1 risk-based capital ratio of 8.0% or greater, and a total risk-based capital ratio of 10.0% or greater. The foregoing capital ratios are based in part on specific quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. Capital amounts and classifications also are subject to qualitative judgments by the regulators about capital components, risk weighting, and other factors. Under the U.S. Basel III capital framework, both Northfield Bank and the Company must maintain minimum capital requirements which include: (i) a common equity Tier 1 capital to risk-based assets ratio of 4.5%; (ii) a Tier 1 capital to risk-based assets ratio of 6%; (iii) a total capital to risk-based assets of 8%; and (iv) a Tier 1 capital to total assets leverage ratio of 4%. In addition to establishing the minimum regulatory capital requirements, the regulations limit capital distributions and certain discretionary bonus payments to management if the institution does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. The capital conservation buffer requirement was phased in beginning January 1, 2016, at 0.625% of risk-weighted assets and increased each year until it was fully implemented at 2.5% on January 1, 2019. As a result of the Economic Growth, Regulatory Relief, and Consumer Protection Act, the federal banking agencies developed a “Community Bank Leverage Ratio” (“CBLR”) (the ratio of a bank’s tangible equity capital to average total consolidated assets) for financial institutions with assets of less than $10 billion. A qualifying community bank that exceeds this ratio will be deemed to be in compliance with all other capital and leverage requirements, including the capital requirements to be considered “well capitalized” under Prompt Corrective Action statutes. The federal banking agencies approved 9% as the minimum capital for the CBLR. Effective March 31, 2020, a financial institution could elect to be subject to this new definition. Northfield Bank and Northfield Bancorp have elected to opt into the “CBLR” framework, beginning with the Call Reports filed for the first quarter of 2020. The CBLR replaced the risk-based and leverage capital requirements in the generally applicable capital rules. On April 6, 2020, the federal banking regulators, implementing the applicable provisions of the CARES Act, modified the CBLR framework so that the minimum CBLR was 8% beginning in the second quarter and for the remainder of calendar year 2020, 8.5% for calendar year 2021, and 9% thereafter. At December 31, 2021, and 2020, as set forth in the following tables, both Northfield Bank and the Company exceeded all of the regulatory capital requirements to which they were subject at such dates. The following is a summary of Northfield Bank’s regulatory capital amounts and ratios compared to the regulatory requirements as of December 31, 2021 and 2020, for classification as a well-capitalized institution and minimum capital (dollars in thousands): For Well For Capital Capitalized Adequacy Under Prompt Corrective Actual Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2021: CBLR $ 659,522 12.24 % $ 457,872 8.50 % $ 457,872 8.50 % As of December 31, 2020: CBLR $ 656,324 11.96 % $ 439,124 8.00 % $ 439,124 8.00 % The following is a summary of the Company's regulatory capital amounts and ratios compared to the regulatory requirements as of December 31, 2021 and 2020, for classification as well-capitalized and minimum capital (dollars in thousands). For Well For Capital Capitalized Adequacy Under Prompt Corrective Actual Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2021: CBLR $ 696,368 12.93 % $ 457,751 8.50 % $ 457,751 8.50 % As of December 31, 2020: CBLR $ 698,864 12.73 % $ 439,219 8.00 % $ 439,219 8.00 %

Fair Value Measurement

Fair Value Measurement	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Fair Value Measurement	Fair Value Measurement The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of December 31, 2021 and 2020, by level within the fair value hierarchy as required by the Fair Value Measurements and Disclosures Topic of the FASB Accounting Standards Codification ("ASC"). Financial assets and liabilities are classified in their entirety based on the level of input that is significant to the fair value measurement. The fair value hierarchy is as follows: • Level 1 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (for example, interest rates, volatilities, prepayment speeds, loss severities, credit risks and default rates) or inputs that are derived principally from or corroborated by observable market data by correlations or other means. • Level 3 Inputs – Significant unobservable inputs that reflect the Company’s own assumptions that market participants would use in pricing the assets or liabilities. Fair Value Measurements at December 31, 2021 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Significant Unobservable (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S. Government agency securities $ 2,290 $ — $ 2,290 $ — Mortgage-backed securities: Pass-through certificates: GSE 581,406 — 581,406 — REMICs: GSE 391,710 — 391,710 — 973,116 — 973,116 — Other debt securities: Municipal bonds 72 — 72 — Corporate bonds 232,759 — 232,759 — 232,831 — 232,831 — Total debt securities available-for-sale 1,208,237 — 1,208,237 — Trading securities 13,461 13,461 — — Equity securities (1) 328 328 — — Total $ 1,222,026 $ 13,789 $ 1,208,237 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 3,599 $ — $ — $ 3,599 One-to-four family residential mortgage 169 — — 169 Home equity and lines of credit 27 — — 27 Total individually evaluated real estate loans 3,795 — — 3,795 Commercial and industrial loans 12 — — 12 Other real estate owned 100 — — 100 Total $ 3,907 $ — $ — $ 3,907 (1) Excludes investment measured at net asset value of $5.0 million at December 31, 2021, which has not been classified in the fair value hierarchy. Fair Value Measurements at December 31, 2020 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Significant Unobservable (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S Government agency securities $ 3,158 $ — $ 3,158 $ — Mortgage-backed securities Pass-through certificate GSE 281,343 — 281,343 — REMICs: GSE 890,965 $ — 890,965 — Non-GSE 4 — 4 — 1,172,312 — 1,172,312 — Other debt securities: Municipal bonds 123 — 123 — Corporate bonds 88,418 — 88,418 — Asset-backed securities 794 — 794 — 89,335 — 89,335 — Total debt securities available-for sale 1,264,805 — 1,264,805 — Trading securities 12,291 12,291 — — Equity securities 253 253 — — Total $ 1,277,349 $ 12,544 $ 1,264,805 $ — Measured on a non-recurring basis: Assets: Impaired loans: Real estate loans: Commercial real estate $ 5,268 $ — $ — $ 5,268 Multifamily 16 — — 16 Home equity and lines of credit 28 — — 28 Total impaired real estate loans 5,312 — — 5,312 Commercial and industrial loans 13 — — 13 Total $ 5,325 $ — $ — $ 5,325 The following table presents qualitative information for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2021 (dollars in thousands): Fair Value Valuation Methodology Unobservable Inputs Range of Inputs (in thousands) Individually evaluated loans $ 3,807 Appraisals Discount for costs to sell 7.0% Discount for quick sale 10.0% Discounted cash flows Interest rates 4.88% - 6.25% Other real estate owned 100 Appraisals Discount for costs to sell 7.0% The following table presents qualitative information for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2020 (dollars in thousands): Fair Value Valuation Methodology Unobservable Inputs Range of Inputs (in thousands) Impaired loans $ 5,325 Appraisals Discount for costs to sell 7.0% Discount for quick sale 10.0% Discounted cash flows Interest rates 4.88% - 6.25% The valuation techniques described below were used to measure fair value of financial instruments in the tables below on a recurring and non-recurring basis as of December 31, 2021 and 2020. Debt Securities Available-for-Sale: The estimated fair values for mortgage-backed securities, corporate, and other debt securities are obtained from an independent nationally recognized third-party pricing service. The estimated fair values are derived primarily from cash flow models, which include assumptions for interest rates, credit losses, and prepayment speeds. Broker/dealer quotes are utilized as well, when such quotes are available and deemed representative of the market. The significant inputs utilized in the cash flow models are based on market data obtained from sources independent of the Company (Observable Inputs), and are therefore classified as Level 2 within the fair value hierarchy. There were no transfers of securities between Level 1 and Level 2 during the years ended December 31, 2021 and 2020. Trading Securities: Fair values are derived from quoted market prices in active markets. The assets consist of publicly traded mutual funds. Equity Securities: Fair values of equity securities consisting of publicly traded mutual funds are derived from quoted market prices in active markets. Loans Individually Evaluated for Impairment: At December 31, 2021, and December 31, 2020, the Company had loans individually evaluated for impairment (excluding PCD/PCI loans) with outstanding principal balances of $5.8 million and $7.4 million, respectively, which were recorded at their estimated fair value of $3.8 million and $5.3 million, respectively. The Company recorded net decreases in the specific reserve for impaired loans of $43,000 and $69,000 for the years ended December 31, 2021 and 2020, respectively. The Company recorded net charge-offs of $2.8 million for the year ended December 31, 2021, as compared to net charge-offs of $3.8 million for the year ended December 31, 2020, utilizing Level 3 inputs. For purposes of estimating the fair value of impaired loans, management utilizes independent appraisals, if the loan is collateral-dependent, adjusted downward by management, as necessary, for changes in relevant valuation factors subsequent to the appraisal date, or the present value of expected future cash flows for non-collateral-dependent loans and TDRs. Other Real Estate Owned: At December 31, 2021, the Company had assets acquired through foreclosure of $100,000, recorded at estimated fair value, less estimated selling costs when acquired, thus establishing a new cost basis. Estimated fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers’ market knowledge and experience, and are considered Level 3 inputs. When an asset is acquired, the excess of the loan balance over fair value, less estimated selling costs, is charged to the allowance for credit losses. If the estimated fair value of the asset declines, a write-down is recorded through non-interest expense. The valuation of foreclosed assets is subjective in nature and may be adjusted in the future because of changes in the economic conditions. In addition, the Company may be required, from time to time, to measure the fair value of certain other financial assets on a non-recurring basis in accordance with U.S. GAAP. The adjustments to fair value usually result from the application of lower-of-cost-or-market accounting or write downs of individual assets. Fair Value of Financial Instruments The FASB ASC Topic for Financial Instruments requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring or non-recurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value on a recurring or non-recurring basis are discussed above. The following methods and assumptions were used to estimate the fair value of other financial assets and financial liabilities not already discussed above: (a) Cash and Cash Equivalents Cash and cash equivalents are short-term in nature with original maturities of three months or less; the carrying amount approximates fair value. Certificates of deposit having original terms of six-months or less; the carrying value generally approximates fair value. Certificates of deposit with an original maturity of six months or greater; the fair value is derived from discounted cash flows. (b) Debt Securities (Held-to-Maturity) The estimated fair values for substantially all of our securities are obtained from an independent, nationally recognized pricing service. The independent pricing service utilizes market prices of same or similar securities whenever such prices are available. Prices involving distressed sellers are not utilized in determining fair value. Where necessary, the independent third-party pricing service estimates fair value using models employing techniques such as discounted cash flow analysis. The assumptions used in these models typically include assumptions for interest rates, credit losses, and prepayments, utilizing market observable data where available. (c) Investments in Equity Securities at Net Asset Value Per Share The Company uses net asset value as a practical expedient to record its investment in a private SBA Loan Fund since the shares in the fund are not publicly traded, do not have a readily determinable fair value, and the net asset value per share is calculated in a manner consistent with the measurement principles of an investment company. (d) FHLBNY Stock The fair value for FHLBNY stock is its carrying value, since this is the amount for which it could be redeemed and there is no active market for this stock. (e) Loans (Held-for-Investment) Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as originated and purchased, and further segregated by residential mortgage, construction, land, multifamily, commercial and consumer. Each loan category is further segmented into amortizing and non-amortizing and fixed and adjustable rate interest terms and by performing and non-performing categories. The fair value of loans is estimated using a discounted cash flow analysis. The discount rates used to determine fair value use interest rate spreads that reflect factors such as liquidity, credit, and non-performance risk of the loans. (f) Loans (Held-for-Sale) Held-for-sale loans are carried at the lower of aggregate cost or estimated fair value, less costs to sell, and therefore fair value is equal to carrying value. (g) Deposits The fair value of deposits with no stated maturity, such as interest and non-interest-bearing demand deposits, savings, NOW and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. (h) Commitments to Extend Credit and Standby Letters of Credit The fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of off-balance-sheet commitments is insignificant and therefore not included in the following table. (i) Borrowings The fair value of borrowed funds is estimated by discounting future cash flows based on rates currently available for debt with similar terms and remaining maturity. (j) Advance Payments by Borrowers for Taxes and Insurance Advance payments by borrowers for taxes and insurance have no stated maturity; the fair value is equal to the amount currently payable. (k) Derivatives The fair value of the Company's derivatives is determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs. The estimated fair values of the Company’s significant financial instruments at December 31, 2021 and 2020, are presented in the following tables (in thousands): December 31, 2021 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 91,068 $ 91,068 $ — $ — $ 91,068 Trading securities 13,461 13,461 — — 13,461 Debt securities available-for-sale 1,208,237 — 1,208,237 — 1,208,237 Debt securities held-to-maturity 5,283 — 5,475 — 5,475 Equity securities (1) 328 328 — — 328 FHLBNY stock, at cost 22,336 — 22,336 — 22,336 Net loans held-for-investment 3,767,644 — — 3,904,026 3,904,026 Derivative assets 923 — 923 — 923 Financial liabilities: Deposits $ 4,169,334 $ — $ 4,172,125 $ — $ 4,172,125 Borrowed funds 421,755 — 426,235 — 426,235 Advance payments by borrowers for taxes and insurance 24,909 — 24,909 — 24,909 Derivative liabilities 925 — 925 — 925 (1) Excludes investments measured at net asset value in the amount of $5.0 million at December 31, 2021, which have not been classified in the fair value hierarchy. December 31, 2020 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 87,544 $ 87,544 $ — $ — $ 87,544 Trading securities 12,291 12,291 — — 12,291 Debt securities available-for-sale 1,264,805 — 1,264,805 — 1,264,805 Debt securities held-to-maturity 7,234 — 7,574 — 7,574 Equity securities 253 253 — — 253 FHLBNY stock, at cost 28,641 — 28,641 — 28,641 Loans held-for-sale 19,895 — — 19,895 19,895 Net loans held-for-investment 3,785,631 — — 3,842,054 3,842,054 Derivative assets 1,498 — 1,498 — 1,498 Financial liabilities: Deposits $ 4,076,551 $ — $ 4,082,538 $ — $ 4,082,538 Borrowed funds 591,789 — 609,900 — 609,900 Advance payments by borrowers for taxes and insurance 19,677 — 19,677 — 19,677 Derivative liabilities 1,502 — 1,502 — 1,502 Limitations Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected losses, current economic conditions, risk characteristics of various financial instruments, and other factors. 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 estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimates.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share The following is a summary of the Company’s earnings per share calculations and reconciliation of basic to diluted earnings per share for the periods indicated (in thousands, except share and per share data): December 31, 2021 2020 2019 Net income available to common stockholders $ 70,654 $ 36,988 $ 40,235 Weighted average shares outstanding-basic 48,416,495 48,721,504 46,783,442 Effect of non-vested restricted stock and stock options outstanding 337,768 64,459 380,362 Weighted average shares outstanding-diluted 48,754,263 48,785,963 47,163,804 Earnings per share-basic $ 1.46 $ 0.76 $ 0.86 Earnings per share-diluted $ 1.45 $ 0.76 $ 0.85 Anti-dilutive shares 323,466 1,972,136 546,120

Stock Repurchase Program

Stock Repurchase Program	12 Months Ended
	Dec. 31, 2021
Equity [Abstract]
Stock Repurchase Program	Stock Repurchase Program On April 24, 2019, and March 18, 2021, the Company's Board of Directors approved stock repurchase programs of $37.2 million and $54.2 million, respectively. Under the stock repurchase programs, the Company is authorized to repurchase shares and anticipates conducting such repurchases in accordance with Rule 10b5-1 of the Securities and Exchange Commission. The timing of the repurchases will depend on certain factors, including but not limited to, market conditions and prices, the Company’s liquidity and capital requirements, and alternative uses of capital. Any repurchased shares will be held as treasury stock and will be available for general corporate purposes. The repurchases may be suspended, terminated or modified at any time for any reason, including market conditions, the cost of repurchasing shares, the availability of alternative investment opportunities, liquidity, and other factors deemed appropriate. These factors may also affect the timing and amount of share repurchases. The Company is not obligated to purchase any particular number of shares. During the year ended December 31, 2021, the Company repurchased 3,342,700 shares of its common stock outstanding at an average price of $15.91 for a total of $53.2 million pursuant to the stock repurchase plan. At December 31, 2021, the maximum dollar value of shares remaining for repurchase under the plan was $8.3 million. During the year ended December 31, 2020, the Company repurchased 885,535 shares of its common stock outstanding at an average price of $11.59 for a total of $10.3 million, pursuant to the stock repurchase plan. At December 31, 2020, there were 564,488 shares remaining for repurchase.

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Revenue Recognition	Revenue Recognition The Company records revenue from contracts with customers in accordance with ASU 2014-09, Revenue from Contracts with Customers ("Topic 606") . The standard’s core principle is that a company will recognize revenue when it transfers promised goods or services to customers in an amount that reflects the consideration to which the company expects to be entitled in exchange for those goods or services. Topic 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities, which comprise the majority of the Company’s revenue. The Company’s revenue streams that are within the scope of Topic 606 include service charges on deposit accounts, ATM and card interchange fees, investment services fees, and other miscellaneous income. Fees and service charges for customer services include: (i) service charges on deposit accounts, including account maintenance fees, overdraft fees, insufficient funds fees, wire fees, and other deposit related fees; (ii) ATM and card interchange fees, which include fees generated when a Bank cardholder uses a non-Bank ATM or a non-Bank cardholder uses a Bank ATM, and fees earned whenever the Bank's debit cards are processed through card payment networks such as Visa; and (iii) investment services fees earned through partnering with a third-party investment and brokerage service firm to provide insurance and investment products to customers. The Company's performance obligation for fees and service charges is satisfied and related revenue recognized immediately or in the month of performance of services. For the year ended December 31, 2021, other income primarily included rental income from subleasing one of the Company's branches to a third party and loan servicing fees. In prior years, other income primarily included fee income on interest rate swaps, rental income from subleasing one of the Company's branches to a third party and income and gains or losses, net, related to other real estate owned. The following table summarizes non-interest income for the periods indicated (in thousands): December 31, 2021 2020 2019 Fees and service charges for customer services: Service charges $ 3,075 $ 2,356 $ 3,309 ATM and card interchange fees 1,893 1,326 1,310 Investment fees 426 285 262 Total fees and service charges for customer services 5,394 3,967 4,881 Income on bank-owned life insurance (1) 4,103 3,774 7,023 Gains on available-for-sale debt securities, net (1) 1,495 327 514 Gains on trading securities, net (1) 1,703 1,601 1,988 Gains on sale of loans (1) 1,401 665 — Other (1) 357 1,138 402 Total non-interest income $ 14,453 $ 11,472 $ 14,808 (1) Not within the scope of Topic 606

Leases

Leases	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Leases	Leases The Company’s leases primarily relate to real estate property for branches and office space with terms extending from one month up to 33.5 years. At December 31, 2021, all of the Company's leases are classified as operating leases, which are required to be recognized on the consolidated statements of financial condition as a right-of-use asset and a corresponding lease liability. The Company determines if an arrangement is a lease at inception. Operating leases are included in operating lease right-of-use assets and operating lease liabilities in the consolidated balance sheets. Right-of-use assets represent the right to use an underlying asset for the lease term and lease liabilities represent the obligation to make lease payments arising from the lease. Operating lease right-of-use assets and liabilities are recorded at the present value of lease payments over the lease term. As the Company's leases do not provide an implicit rate, the Company uses its incremental borrowing rate, at lease inception, over a similar term in determining the present value of lease payments. Certain leases include options to renew, with one or more renewal terms ranging from five At December 31, 2021, the Company’s operating lease right-of-use assets and operating lease liabilities included in the consolidated balance sheet were $33.9 million and $39.9 million, respectively. At December 31, 2020, the Company’s operating lease right-of-use assets and operating lease liabilities included in the consolidated balance sheet were $36.7 million and $42.7 million, respectively. Operating lease expense is recognized on a straight-line basis over the lease term, while variable lease payments are recognized as incurred. Variable lease payments include common area maintenance charges, real estate taxes, repairs and maintenance costs and utilities. Operating and variable lease expenses are recorded in occupancy expense in the consolidated statements of comprehensive income. Supplemental lease information at or for the years ended December 31, 2021 and 2020 is as follows (dollars in thousands): At or for the Year Ended December 31, 2021 December 31, 2020 December 31, 2019 Operating lease cost $ 5,797 $ 6,160 $ 6,119 Variable lease cost 4,092 3,276 2,813 Net lease cost $ 9,889 $ 9,436 $ 8,932 Cash paid for amounts included in measurement of operating lease liabilities $ 6,538 $ 6,490 $ 5,901 Right-of-use assets obtained in exchange for new operating lease liabilities $ 1,596 $ 3,568 $ 1,013 Weighted average remaining lease term (in years) 11.84 years 12.28 years 12.77 years Weighted average discount rate 3.55 % 3.60 % 3.62 % The following table summarizes lease payment obligations for each of the next five years and thereafter in addition to a reconcilement to the Company's current lease liability (dollars in thousands): Year Amount 2022 $ 5,923 2023 5,803 2024 5,372 2025 5,024 2026 4,253 Thereafter 24,128 Total lease payments 50,503 Less: imputed interest (10,652) Present value of lease liabilities $ 39,851 Net rental expense included in occupancy expense was approximately $5.9 million, $8.0 million, and $6.8 million for the years ended December 31, 2021, 2020, and 2019, respectively. Included in rental expense for the years ended December 31, 2020 and 2019 is approximately $1.8 million and $579,000 of accelerated rental expense related to the branch consolidations. As of December 31, 2021, the Company had not entered into any leases that have not yet commenced.

Derivatives

Derivatives	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Derivatives	Derivatives The Company has interest rate derivatives resulting from a service provided to certain qualified borrowers in a loan-related transaction and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. The interest rate swap agreement which the Company executes with the commercial borrower is collateralized by the borrower’s commercial real estate financed by the Company. The collateral exceeds the maximum potential amount of future payments under the credit derivative. As these interest rate swaps do not meet the hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. At December 31, 2021, the Company had seven interest rate swaps with a notional amount of $38.1 million. At December 31, 2020, the Company had seven interest rate swaps with a notional amount of $39.2 million. For the years ended December 31, 2021 and 2020, the Company recorded fee income of approximately $0 and $797,000, respectively. The table below presents the fair value of derivatives as well as their location on the consolidated balance sheets (in thousands): Fair Value December 31, Balance Sheet Location 2021 2020 Other assets $ 923 $ 1,498 Other liabilities 925 1,502

Parent-only Financial Informati

Parent-only Financial Information	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Parent-only Financial Information	Parent-only Financial Information The following condensed parent company-only financial information reflects Northfield Bancorp, Inc.’s investment in its wholly-owned consolidated subsidiary, Northfield Bank, using the equity method of accounting. Northfield Bancorp, Inc. Condensed Balance Sheets December 31, 2021 2020 (in thousands) Assets Cash in Northfield Bank $ 14,411 $ 21,456 Interest-earning deposits in other financial institutions — 21 Investment in Northfield Bank 703,036 711,441 ESOP loan receivable 19,283 20,836 Other assets 3,412 474 Total assets $ 740,142 $ 754,228 Liabilities and Stockholders' Equity Total liabilities $ 259 $ 247 Total stockholders' equity 739,883 753,981 Total liabilities and stockholders' equity $ 740,142 $ 754,228 Northfield Bancorp, Inc. Condensed Statements of Comprehensive Income Years Ended December 31, 2021 2020 2019 (in thousands) Interest on ESOP loan $ 677 $ 1,043 $ 1,263 Interest income on deposits in other financial institutions 18 129 229 Gains on securities, net — — 10 Undistributed earnings of Northfield Bank 70,956 37,544 40,012 Total income 71,651 38,716 41,514 Other expenses 831 1,647 863 Income tax expense 166 81 416 Total expenses 997 1,728 1,279 Net income $ 70,654 $ 36,988 $ 40,235 Comprehensive income: Net income $ 70,654 $ 36,988 $ 40,235 Other comprehensive (loss) income, net of tax (11,097) 8,461 13,846 Comprehensive income $ 59,557 $ 45,449 $ 54,081 Northfield Bancorp, Inc. Condensed Statements of Cash Flows December 31, 2021 2020 2019 (in thousands) Cash flows from operating activities Net income $ 70,654 $ 36,988 $ 40,235 Adjustments to reconcile net income to net cash used in operating activities: Increase in other assets (4,034) (1,008) (1,073) Gains on securities, net — — (10) Increase (decrease) in other liabilities 12 (1,499) (36) Undistributed earnings of Northfield Bank (70,956) (37,544) (40,012) Net cash used in operating activities (4,324) (3,063) (896) Cash flows from investing activities Cash and cash equivalents acquired in business acquisition — 5,903 — Dividends from Northfield Bank 69,916 16,174 41,277 Net cash provided by investing activities 69,916 22,077 41,277 Cash flows from financing activities Principal payments on ESOP loan receivable 1,553 1,061 1,065 Purchase of treasury stock (53,321) (10,405) (15,815) Dividends paid (24,299) (21,476) (20,198) Exercise of stock options 3,409 175 5,770 Net cash used in financing activities (72,658) (30,645) (29,178) Net (decrease) increase in cash and cash equivalents (7,066) (11,631) 11,203 Cash and cash equivalents at beginning of year 21,477 33,108 21,905 Cash and cash equivalents at end of year $ 14,411 $ 21,477 $ 33,108

Selected Quarterly Financial Da

Selected Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Selected Quarterly Financial Data (Unaudited)	Selected Quarterly Financial Data (Unaudited) The following tables are a summary of certain quarterly financial data for the years ended December 31, 2021 and 2020 : 2021 Quarter Ended March 31 June 30 September 30 December 31 (Dollars in thousands, except per share data) Selected Operating Data: Interest income $ 45,067 $ 43,236 $ 42,146 $ 41,849 Interest expense 4,891 4,549 3,729 3,480 Net interest income 40,176 38,687 38,417 38,369 (Benefit)/provision for credit losses (2,374) (3,701) (148) 39 Net interest income after (benefit)/provision for credit losses 42,550 42,388 38,565 38,330 Other income 2,636 4,916 2,628 4,273 Other expenses 19,563 19,871 19,035 20,690 Income before income tax expense 25,623 27,433 22,158 21,913 Income tax expense 6,946 7,639 6,078 5,810 Net income $ 18,677 $ 19,794 $ 16,080 $ 16,103 Net income per basic common share $ 0.38 $ 0.40 $ 0.33 $ 0.34 Net income per diluted common share $ 0.38 $ 0.40 $ 0.33 $ 0.34 2020 Quarter Ended March 31 June 30 September 30 December 31 (Dollars in thousands, except per share data) Selected Operating Data: Interest income $ 42,732 $ 40,911 $ 41,457 $ 43,045 Interest expense 12,799 10,681 8,849 6,008 Net interest income 29,933 30,230 32,608 37,037 Provision for loan losses 8,183 1,921 165 2,473 Net interest income after provision for loan losses 21,750 28,309 32,443 34,564 Other income 108 4,238 3,022 4,104 Other expenses 15,682 17,855 23,788 21,188 Income before income tax expense 6,176 14,692 11,677 17,480 Income tax expense 1,625 3,899 3,095 4,418 Net income $ 4,551 $ 10,793 $ 8,582 $ 13,062 Net income per basic common share $ 0.10 $ 0.23 $ 0.17 $ 0.26 Net income per diluted common share $ 0.10 $ 0.23 $ 0.17 $ 0.26

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2021
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The consolidated financial statements are comprised of the accounts of Northfield Bancorp, Inc. and its wholly owned subsidiaries, Northfield Investment, Inc. and Northfield Bank (the “Bank”), and the Bank’s wholly-owned significant subsidiaries, NSB Services Corp. and NSB Realty Trust. All significant intercompany accounts and transactions have been eliminated in consolidation. In preparing the consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the balance sheets and revenues and expenses during the reporting periods. Actual results may differ significantly from those estimates and assumptions. A material estimate that is particularly susceptible to significant change in the near term is the allowance for credit losses. In connection with the determination of this allowance, management generally obtains independent appraisals for significant properties. In addition, judgments related to the amount and timing of expected cash flows from purchased credit-deteriorated (“PCD”, or, previously, purchased credit-impaired “PCI”) loans, goodwill, securities valuation and impairment, and deferred income taxes, involve a higher degree of complexity and subjectivity and require estimates and assumptions about uncertain matters. Actual results may differ from the estimates and assumptions. Certain prior year amounts have been reclassified to conform to the current year presentation. (b) Adoption of New Accounting Standards
Adoption of New Accounting Standards	ASU No. 2016-03. In June 2016, the FASB issued Accounting Standards Update (“ASU”) No. 2016-13, “Financial Instruments - Credit Losses (Topic 326): “Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”). This guidance was subsequently amended by ASU No. 2019-04, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments”; ASU No. 2019-05, “Financial Instruments-Credit Losses (Topic 326): Targeted Transition Relief”; and ASU No. 2019-11, “Codification Improvements to Topic 326, Financial Instruments-Credit Losses”. ASU No. 2016-13 and its subsequent updates are collectively known as “CECL”. CECL replaces the current incurred loss impairment model that recognizes losses when a probable threshold is met with a requirement to recognize lifetime expected credit losses immediately when a financial asset is originated or purchased. For available-for-sale debt securities where fair value is less than cost, credit-related impairment would be recognized in an allowance for credit losses and adjusted in each subsequent period for changes in credit risk. CECL also expands the disclosure requirements regarding an entity’s assumptions, models, and methods for estimating the allowance for credit losses. ASU 2016-13 and its related amendments were initially effective for financial statements for fiscal years and interim periods beginning after December 15, 2019. The Company elected to defer the adoption of the CECL methodology permitted by the Coronavirus Aid, Relief, and Economic Security (“CARES”) Act, signed into law on March 27, 2020, which provided financial institutions with the option to defer adoption of ASU 2016-13 until the earlier of the end of the pandemic or December 31, 2020. This relief was further extended by the Consolidations Appropriations Act enacted on December 27, 2020, to the earlier of the first day of an entity's fiscal year after the date the national emergency terminates or January 1, 2022. The Company adopted ASU 2016-13 and its related amendments on January 1, 2021, using a modified retrospective approach. At adoption, the Company recorded an $11.1 million increase to its allowance for credit losses, including reserves of $10.4 million related to loans and $737,000 related to unfunded credit commitments. Of the $10.4 million increase in loan reserves, $6.8 million represents PCD loan-related reserves which were recognized through a gross-up that increases the amortized cost basis of loans with a corresponding increase to the allowance for credit losses, and therefore results in no impact to shareholders' equity. The non-PCD loan related increase to the allowance for credit losses of $4.3 million, including the reserves for unfunded loan commitments, was offset in shareholders' equity and deferred tax assets. For further details on the adoption of CECL see Note 6 - Loans Note 7 - Allowance for Credit Losses on Loans ASU No. 2019-12. In December 2019, the FASB issued ASU No. 2019-12, “Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes.” ASU No. 2019-12 simplifies accounting for income taxes by removing specific technical exceptions in ASC 740 related to the incremental approach for intra-period tax allocation, the methodology for calculating income taxes in an interim period and the recognition for deferred tax liabilities for outside basis differences. ASU No. 2019-12 also simplifies aspects of the accounting for franchise taxes and enacted changes in tax laws or rates and clarifies the accounting for transactions that result in a step-up in the tax basis of goodwill. The amendments in this update are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2020. The Company adopted ASU 2019-12 on January 1, 2021, which did not have a material impact on the Company's financial condition or results of operations. ASU No. 2018-15. In August 2018, the FASB issued ASU No. 2018-15, “Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract.” This guidance aligns the accounting for implementation costs related to a hosting arrangement that is a service contract with the guidance on capitalizing costs associated with developing or obtaining internal-use software. Specifically, where a cloud computing arrangement includes a license to internal-use software, the software license is accounted for by the customer in accordance with Subtopic 350-40, “Intangibles - Goodwill and Other-Internal-Use Software”. ASU No. 2018-15 is effective for fiscal years beginning after December 15, 2019, with early adoption permitted. The Company adopted ASU No. 2018-15 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation. ASU No. 2018-13. In August 2018, the FASB issued ASU No. 2018-13, “Fair Value Measurement (Topic 820): Disclosure Framework-Changes to the Disclosure Requirements for Fair Value Measurement.” This ASU eliminates, adds and modifies certain disclosure requirements for fair value measurements. Among the changes, entities will no longer be required to disclose the amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, but will be required to disclose the range and weighted average used to develop significant unobservable inputs for Level 3 fair value measurements. ASU No. 2018-13 was effective for interim and annual reporting periods beginning after December 15, 2019. The Company adopted ASU No. 2018-13 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation. ASU No 2017-04. In January 2017, the FASB issued ASU No. 2017-04, “Intangibles—Goodwill and Other (Topic 350): Simplifying the Test for Goodwill Impairment.” The ASU eliminates Step 2 from the goodwill impairment test and also eliminates the requirements for any reporting unit with a zero or negative carrying amount to perform a qualitative assessment and, if it fails that qualitative test, to perform Step 2 of the goodwill impairment test. An entity still has the option to perform the qualitative assessment for a reporting unit to determine if the quantitative impairment test is necessary. The ASU is effective for annual or any interim goodwill impairment tests in fiscal years beginning after December 15, 2019. The Company adopted ASU No. 2017-04 on January 1, 2020, and it did not have an impact on the Company's financial condition or results of operation. ASU No. 2016-02 . In February 2016, the FASB issued ASU No. 2016-02, Leases (“Topic 842” ), which requires all lessees to recognize a lease liability and a right-of-use asset, measured at the present value of the future minimum lease payments, at the lease commencement date for leases classified as operating leases as well as finance leases. Under this guidance, lessor accounting is largely unchanged. This ASU became effective for annual and interim periods for the Company on January 1, 2019. The Company adopted the standard by applying the alternative transition method whereby comparative periods were not restated, and no cumulative effect adjustment to the opening balance of retained earnings was recognized as of January 1, 2019. The Company also elected the ASU’s package of three practical expedients, which allowed the Company to forego a reassessment of (i) whether any expired or existing contracts are or contain leases, (ii) the lease classification for any expired or existing leases and (iii) the initial direct costs for any existing leases. The Company also elected not to apply the recognition requirements of the ASU to any short-term leases (as defined by related accounting guidance) and will account for lease and non-lease components separately because such amounts are readily determinable under most lease contracts. The adoption of this standard resulted in the Company recognizing operating lease right-of-use assets and related operating lease liabilities totaling $43.6 million and $47.3 million respectively, as of January 1, 2019. The adoption of this ASU did not have a material impact on the Company’s consolidated results of operations. ASU No. 2017-08 . In March 2017, the FASB issued ASU No. 2017-08, Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20): Premium Amortization on Purchased Callable Debt Securities. The amendments in this update require the premium on callable debt securities to be amortized to the earliest call date rather than the maturity date; however, securities held at a discount continue to be amortized to maturity. The amendments apply only to debt securities purchased at a premium that are callable at fixed prices and on preset dates. The amendments more closely align interest income recorded on debt securities held at a premium or discount with the economics of the underlying instrument. This ASU became effective for the Company on January 1, 2019, and did not have a material impact on the Company's consolidated financial statements. ASU No. 2018-07 . In June 2018, the FASB issued ASU No. 2018-07, Compensation - Stock Compensation (Topic 718): Improvements to Nonemployee Share-Based Payment Accounting , which is intended to align the accounting for share-based payment awards issued to employees and nonemployees. The guidance applies to nonemployee awards issued in exchange for goods or services used or consumed in an entity’s own operations and to awards granted by an investor to employees and nonemployees of an equity method investee for goods or services used or consumed in the investee’s operations. There are no new disclosure requirements. This ASU became effective for the Company on January 1, 2019. Adoption of this ASU did not have an impact on the Company's consolidated financial statements, as share-based payment awards to nonemployee directors are accounted for in the same manner as share-based payment awards for employees.
Business	Business The Company, through its principal subsidiary, the Bank, provides a full range of banking services primarily to individuals and corporate customers in Richmond and Kings counties in New York, and Hunterdon, Mercer, Union and Middlesex counties in New Jersey. The Company is subject to competition from other financial institutions and to the regulations of certain federal and state agencies, and undergoes periodic examinations by those regulatory authorities.
Cash Equivalents	Cash Equivalents Cash equivalents consist of cash on hand, due from banks, and interest-bearing deposits in other financial institutions with an original term of three months or less.
Securities	Securities Securities are classified at the time of purchase, based on management’s intention, as debt securities held-to-maturity, debt securities available-for-sale, trading account securities or equity securities. Debt securities held-to-maturity are those that management has the positive intent and ability to hold until maturity. Debt securities held-to-maturity are carried at amortized cost, adjusted for amortization of premiums and accretion of discounts using the level-yield method over the contractual term of the securities, adjusted for actual prepayments. Debt securities available-for-sale represents all securities not classified as either held-to-maturity, trading, or equity. Debt securities available-for-sale are carried at estimated fair value with unrealized holding gains and losses (net of related tax effects) on such securities excluded from earnings, but included as a separate component of stockholders’ equity, titled “Accumulated other comprehensive income (loss).” The cost of securities sold is determined using the specific-identification method. Security transactions are recorded on a trade-date basis. For securities available for sale, ASU 2016-13 eliminates the concept of other than temporary impairment and instead requires entities to determine if impairment is related to credit loss or non-credit loss. In making the assessment of whether a loss is from credit or other factors, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and adverse conditions related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows is less than the amortized cost basis, a credit loss exists and an allowance is created, limited by the amount that the fair value is less than the amortized cost basis. Subsequent activity related to the credit loss component in the form of write-offs or recoveries is recognized as part of the allowance for credit losses on securities available for sale. Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type. All of the held-to-maturity securities in the Company's portfolio are issued by U.S. government agencies and are either explicitly or implicitly guaranteed by the U.S government and therefore the expectation of nonpayment is zero. Therefore the Company is not required to estimate an allowance for credit losses related to these securities. Prior to the adoption of ASU 2016-13, our evaluation of other-than-temporary impairment considered our assessments of the reason for the decline in value, the duration and severity of the impairment, our intent and ability to hold the securities (as well as the likelihood of a near-term recovery), and our intent to sell the securities and whether it was more likely than not that we would be required to sell the securities before the recovery of their amortized cost basis. If a determination was made that a debt security was other-than-temporarily impaired, the Company would estimate the amount of the unrealized loss that was attributable to credit and all other non-credit related factors. If we intended to hold securities in an unrealized loss position until the loss was recovered, which may be at maturity, the credit related component was recognized as an other-than-temporary impairment charge in non-interest income. The non-credit related component was recorded as an adjustment to accumulated other comprehensive income (loss), net of tax. The estimated fair value of debt securities, including mortgage-backed securities and corporate debt obligations is furnished by an independent third-party pricing service. The third-party pricing service primarily utilizes pricing models and methodologies that incorporate observable market inputs, including among other things, benchmark yields, reported trades, and projected prepayment and default rates. Management reviews the data and assumptions used in pricing the securities by its third-party provider for reasonableness. The Company has made the accounting policy election to exclude accrued interest receivable on securities from the estimate of credit losses. Accrued interest receivable totaled $2.5 million at December 31, 2021 and is reported in accrued interest receivable on the consolidated balance sheet. Trading securities are securities that are bought and may be held for the purpose of selling them in the near term. Trading securities are reported at estimated fair value, using quoted prices in active markets, with unrealized holding gains and losses reported as a component of gain (loss) on securities, net in non-interest income.
Loans and Allowance for Credit Losses	Loans and Allowance for Credit Losses The accounting and reporting for PCD loans and loans classified as held-for-sale differs substantially from those loans classified by the Company as held-for-investment. For purposes of reporting, discussion and analysis, management has classified its loan portfolio into three categories: (1) loans originated by the Company and held-for-sale, which are carried at the lower of aggregate cost or estimated fair value, less costs to sell, and therefore have no associated allowance for loan losses, (2) PCD loans, which are held-for-investment, and initially valued at estimated fair value on the date of acquisition, with no initial related allowance for credit losses, and (3) Loans held-for-investment, which include originated loans carried at amortized cost, and acquired loans, with no evidence of credit deterioration, initially valued at fair value on the date of acquisition, less net charge-offs and the allowance for credit losses. Net loans held-for-investment are stated at unpaid principal balance, adjusted by unamortized premiums and unearned discounts, deferred origination fees and certain direct origination costs, and the allowance for credit losses. Interest income on loans is accrued and credited to income as earned. Net loan origination fees/costs are deferred and accreted/amortized to interest income over the loan’s contractual life using the level-yield method, adjusted for actual prepayments. Generally, loans held-for-sale are designated at time of origination and generally consist of newly originated fixed rate residential loans and are recorded at the lower of aggregate cost or estimated fair value in the aggregate. During 2021 and 2020, the Company transferred from held-for-investment to held-for-sale certain performing and nonperforming loans. Transfers of loans from held-for-investment to held-for-sale are infrequent and occur at fair value less costs to sell, with any charge-off to allowance for credit losses. Gains are recognized on a settlement-date basis and are determined by the difference between the net sales proceeds and the carrying value of the loans, including any net deferred fees or costs. Net loans held-for-investment are deemed impaired when it is probable, based on current information, that the Company will not collect all amounts due in accordance with the contractual terms of the loan agreement. The Company has defined the population of impaired loans to be all non-accrual loans held-for-investment with an outstanding balance of $500,000 or greater and all loans restructured in troubled debt restructurings (“TDRs”). Loan held-for-investment are individually assessed to determine that the loan’s carrying value is not in excess of the expected future cash flows, discounted at the loan's original effective interest rate, or the fair value of the underlying collateral (less estimated costs to sell) if the loan is collateral dependent. Impairments, if any, are recognized through a charge to the allowance for credit losses on loans for the amount that the loan’s carrying value exceeds the discounted cash flow analysis or estimated fair value of collateral (less estimated costs to sell) if the loan is collateral dependent. Such amounts are charged-off when considered appropriate. Allowance for Credit Losses on Loans As noted previously, the Company adopted ASU 2016-13 on January 1, 2021, and thus 2021 follows the current expected credit losses methodology. Prior periods have been reported in accordance with previously applicable GAAP, which followed the incurred credit losses methodology. Under ASU 2016-13 the Company determines the allowance for credit losses on loans based upon a consideration of its historical portfolio loss experience, current borrower-specific risk characteristics, current conditions, forecasts of future economic conditions, reversion period, prepayments, and qualitative adjustments. The allowance is measured on a collective (loan segment) basis when similar risk characteristics exist. Loans that do not share common risk characteristics are evaluated on an individual basis and are excluded from the collective evaluation. Accrued interest on loans is excluded from the calculation of the allowance for credit losses due to the Company's non-accrual policy which results in the reversal of uncollectible accrued interest on non-accrual loans against interest income in a timely manner. Accrued interest receivable on loans held-for-investment totaled $9.4 million at December 31, 2021, and is reported in accrued interest receivable on the consolidated balance sheet. Allowance for Collectively Evaluated Loans Held-for-Investment . In estimating the quantitative component of the allowance on a collective basis, the Company uses a risk rating migration model which calculates an expected life of loan loss percentage for each loan by generating probability of default and loss given default metrics. These metrics are multiplied by the exposure at default, taking into consideration prepayments, to calculate the quantitative component of the allowance. The metrics are based on the migration of loans from performing to loss by credit risk rating or delinquency categories using historical life-of-loan analysis periods for each loan portfolio pool, and the severity of loss, based on the aggregate net lifetime losses incurred using the Company's own historical loss experience and comparable peer data loss history. The model's expected losses based on loss history are adjusted for qualitative adjustments to address risks that may not be adequately represented in the risk rating migration model. Among other things, these adjustments include and account for differences in: (i) changes in lending policies and procedures; (ii) changes in local, regional, national, and international economic and business conditions and developments that affect the collectability of our portfolio, including the condition of various market segments; (iii) changes in the experience, ability and depth of lending management and other relevant staff; (iv) changes in the quality of our loan review system; (v) the existence and effect of any concentrations of credit, and changes in the level of such concentrations; and (vi) the effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in our existing portfolio. The Company utilizes a two-year reasonable and supportable forecast period after which estimated losses revert to historical loss experience immediately for the remaining life of the loan. In establishing its estimate of expected credit losses, the Company utilizes five externally-sourced forward-looking economic scenarios developed by Moody's Analytics (“Moody's”). Management utilizes five different Moody's scenarios so as to incorporate uncertainties related to the economic environment arising from the COVID-19 pandemic. These scenarios, which range from more benign to more severe economic outlooks, include a ‘most likely outcome’ (the “Baseline” scenario) and four less likely scenarios referred to as the “Upside” and “Downside” scenarios. Each scenario is assigned a weighting with a majority of the weighting placed on the Baseline scenario and lower weights placed on both the Upside and Downside scenarios. The weighting assigned by management is based on the economic outlook and available information at the reporting date. The model projects economic variables under each scenario based on detailed statistical analyses. The Company has identified and selected key variables that most closely correlated to its historical credit performance, which include: Gross domestic product, unemployment, and three collateral indices: the Commercial Property Price Index, the Commercial Property Price Apartment Index and the Case-Shiller Home Price Index. Allowance for Individually Evaluated Loans. The Company measures specific reserves for individual loans that do not share common risk characteristics with other loans, consisting of all TDRs and non-accrual loans with an outstanding balance of $500,000 or greater. Loans individually evaluated for impairment are assessed to determine that the loan’s carrying value is not in excess of the estimated fair value of the collateral less cost to sell, if the loan is collateral-dependent, or the present value of the expected future cash flows, if the loan is not collateral-dependent. Management performs an evaluation of each impaired loan and generally obtains updated appraisals as part of the evaluation. In addition, management adjusts estimated fair values down to appropriately consider recent market conditions, our willingness to accept a lower sales price to effect a quick sale, and costs to dispose of any supporting collateral. Determining the estimated fair value of underlying collateral (and related costs to sell) can be difficult in illiquid real estate markets and is subject to significant assumptions and estimates. Management employs an independent third-party management firm that specializes in appraisal preparation and review to ascertain the reasonableness of updated appraisals. Projecting the expected cash flows under troubled debt restructurings which are not collateral-dependent is inherently subjective and requires, among other things, an evaluation of the borrower’s current and projected financial condition. Individually impaired loans that have no impairment losses are not considered for collective allowances described above. The Company elected to exclude accrued interest on loans from the amortized cost of loans held for investment. The accrued interest is reported in accrued interest receivable on the consolidated balance shee t and totaled $9.4 million at December 31, 2021. PCD/PCI Loans The Company adopted CECL using the prospective transition approach for PCD loans that were previously classified as PCI loans and accounted for under Accounting Standards Codification (“ASC”) Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality,” . In accordance with the standard, management did not reassess whether PCI loans met the criteria of PCD loans as of the date of adoption. On January 1, 2021, the amortized cost basis of the PCD assets was adjusted to reflect the addition of the $6.8 million of the allowance for credit losses. The remaining noncredit discount (based on the adjusted amortized cost basis)will be accreted into interest income at the effective interest rate as of January 1, 2021. Upon adoption of CECL, the Company elected to maintain pools of loans that were previously accounted for under ASC Subtopic 310-30 and will continue to account for these pools as a unit of account. Loans are only removed from existing pools if they are written off, paid off, or sold. Upon adoption of CECL, the allowance for credit losses was determined for each pool and added to the pool's carrying amount to establish a new amortized cost basis. The difference between the unpaid principal balance of the pool and the new amortized cost basis is the noncredit premium or discount which will be amortized into interest income over the remaining life of the pool. Changes to the allowance for credit losses after adoption are recorded through provision expense. The Company also maintains a reserve for estimated losses on off-balance sheet credit risks related to loan commitments and stand-by letters of credit. The reserve for off-balance sheet exposures is determined using the CECL reserve factor in the related funded loan segment, adjusted for an average historical funding rate. The allowance for credit losses for off-balance sheet credit exposures is recorded in other liabilities on the consolidated balance sheets and the corresponding provision is included in other non-interest expense. While management uses available information to estimate credit losses on loans, future additions may be necessary based on changes in conditions, including changes in economic conditions and forecasts, particularly in Richmond and Kings counties in New York, and Hunterdon, Mercer, Union and Middlesex counties in New Jersey and to a lesser extent eastern Pennsylvania. Accordingly, as with most financial institutions in the market area, the ultimate collectability of a substantial portion of the Company’s loan portfolio is susceptible to changes in conditions in the Company’s marketplace. In addition, future changes in laws and regulations could make it more difficult for the Company to collect all contractual amounts due on its loans and mortgage-backed securities. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to recognize additions to the allowance based on their judgments about information available to them at the time of their examination. TDRs are loans where terms have been modified because of deterioration in the financial condition of the borrower. Modifications could include extension of the repayment terms of the loan, reduced interest rates, or forgiveness of accrued interest and/or principal. Once an obligation has been restructured because of such credit problems, it continues to be considered restructured until paid in full or, if the obligation yields a market rate (a rate equal to the rate the Company was willing to accept at the time of the restructuring for a new loan with comparable risk), until the year subsequent to the year in which the restructuring takes place, provided the borrower has performed under the modified terms for a consecutive six-month period. The Company records an impairment charge equal to the difference between the present value of estimated future cash flows under the restructured terms discounted at the original loan’s effective interest rate, or the underlying collateral value, less estimated costs to sell, if the loan is collateral dependent. Changes in present values attributable to the passage of time are recorded as a component of the provision for loan losses. The CARES Act includes provisions that provide temporary relief from TDR accounting for certain types of modifications. Under these provisions, modifications deemed to be Coronavirus (“COVID-19”) related would not be considered a TDR if the loan was not more than 30 days past due as of December 31, 2019 and the deferral was executed between March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency or December 31, 2020. The termination of these provisions was extended, to the earlier of 60 days after the COVID-19 national emergency date or January 1, 2022, with the Consolidated Appropriations Act of 2021. The banking regulators issued similar guidance, which also clarified that a COVID-19-related modification should not be considered a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and if the modification is considered to be short-term. The provisions include short-term (e.g., up to six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that are insignificant. The Company implemented a short-term loan modification program in late March 2020 to provide temporary payment relief to borrowers impacted by COVID-19. The program allows for a deferral of payments typically for 90 days, which may be extended for an additional 90 days, for a maximum of 180 days on a cumulative basis. Additionally, loans with deferrals granted due to COVID-19 are not generally reported as past due or non-accrual. A loan is considered past due when it is not paid in accordance with its contractual terms. The accrual of income on loans, including impaired loans held-for-investment, and other loans in the process of foreclosure, is generally discontinued when a loan becomes 90 days or more delinquent, or sooner when certain factors indicate that the ultimate collection of principal and interest is in doubt. Loans on which the accrual of income has been discontinued are designated as non-accrual loans. All previously accrued interest is reversed against interest income, and income is recognized subsequently only in the period that cash is received, provided no principal payments are due and the remaining principal balance outstanding is deemed collectible. A non-accrual loan is not returned to accrual status until both principal and interest payments are brought current and factors indicating doubtful collection no longer exist, including performance by the borrower under the loan terms for a consecutive six-month period.
Federal Home Loan Bank ("FHLB") Stock	Federal Home Loan Bank (“FHLB”) Stock The Bank, as a member of the FHLB of New York (“FHLBNY”), is required to hold shares of capital stock in the FHLB as a condition to both becoming a member and engaging in certain transactions with the FHLB. The minimum investment requirement is determined by a “membership” investment component and an “activity-based” investment component. The membership investment component is the greater of 0.125% of the Bank’s mortgage-related assets, as defined by the FHLB, or $1,000. The activity-based investment component is equal to 4.5% of the Bank’s outstanding advances with the FHLB. The activity-based investment component also considers other transactions, including assets originated for or sold to the FHLB, and delivery commitments issued by the FHLB. The Company currently does not enter into these other types of transactions with the FHLB. On at least a quarterly basis, we perform our other-than-temporary impairment analysis of FHLB stock, we evaluate, among other things, (i) its earnings performance, including the significance of any decline in net assets of the FHLB as compared to the regulatory capital amount of the FHLB, (ii) the commitment by the FHLB to continue dividend payments, and (iii) the liquidity position of the FHLB. We did not consider our investment in FHLB stock to be other-than-temporarily impaired at December 31, 2021 and 2020.
Operating Leases	During the normal course of business, the Company enters into agreements, and at inception it determines if a particular agreement is a lease. The Company's operating lease agreements relate primarily to its corporate offices and bank branch offices. The agreements are recorded as operating lease right-of-use assets and operating lease liabilities on the consolidated balance sheets. Operating lease right of use assets and operating lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term, and represent the right to use an underlying asset for the lease term and the obligation to make lease payments arising from the lease. As the Company's leases do not provide an implicit rate, the Company uses its incremental borrowing rate in determining the present value of lease payments. The Company's lease terms may include options to extend or terminate the lease when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the term of the lease.
Premises and Equipment, Net	Premises and Equipment, Net Premises and equipment, including leasehold improvements, are carried at cost, less accumulated depreciation and amortization. Depreciation and amortization of premises and equipment, including capital leases, are computed on a straight-line basis over the estim1ted useful lives of the related assets. The estimated useful lives of significant classes of assets are generally as follows: buildings - forty years; furniture and equipment - five
Bank Owned Life Insurance	Bank-Owned Life Insurance The Company has purchased bank-owned life insurance contracts to help fund its obligations for certain employee benefit costs. The Company’s investment in such insurance contracts has been reported in the consolidated balance sheets at their cash surrender values. Changes in cash surrender values and death benefit proceeds received in excess of the related cash surrender values are recorded as non-interest income.
Goodwill	Goodwill Intangible assets resulting from acquisitions under the purchase method of accounting consist of goodwill and other intangible assets. Goodwill is not amortized and is subject to an annual assessment for impairment. The goodwill impairment analysis was generally a two-step test. However, on January 1, 2020, we adopted Accounting Standards Update (“ASU”) 2017-04, “Simplifying the Test for Goodwill Impairment” which simplifies how an entity is required to test goodwill for impairment. The guidance removed step two of the goodwill impairment test, which had required a hypothetical purchase price allocation. The ASU does not change the optional qualitative assessment which allows companies to assess qualitative factors to determine whether it is more likely than not that the carrying amount of a reporting unit exceeds its fair value, commonly referred to as the qualitative assessment or step 0. Goodwill is allocated to Northfield’s reporting unit at the date goodwill is actually recorded. As of December 31, 2021, the carrying value of goodwill totaled $41.0 million. The Company qualitatively assessed the current economic environment, including the estimated impact of the COVID-19 pandemic on macroeconomic variables and economic forecasts, and on the Company's stock price which has experienced a decline in value, and how these might impact the fair value of its reporting unit. After consideration of the results of the annual 2021 impairment test and the results for the year ended December 31, 2021, the Company determined that it was more-likely-than-not that the fair value of its reporting unit was above its book value as of December 31, 2021, which did not indicate impairment for our reporting unit, nor was our reporting unit at risk. The Company will test goodwill for impairment between annual test dates if an event occurs or circumstances change that would indicate the fair value of the reporting unit is below its carrying amount. No events have occurred and no circumstances have changed since the annual impairment test date that would indicate the fair value of the reporting unit is below its carrying amount.
Income Taxes	Income Taxes Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply in the year in which those temporary differences are expected to be recovered or settled. When applicable, deferred tax assets are reduced by a valuation allowance for any portions determined not likely to be realized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Income tax benefits are recognized and measured based upon a two-step model: 1) a tax position must be more-likely-than-not to be sustained based solely on its technical merits in order to be recognized, and 2) the benefit is measured as the largest dollar amount of that position that is more-likely-than-not to be sustained upon settlement. The difference between the benefit recognized and the tax benefit claimed on a tax return is referred to as an unrecognized tax benefit. The Company records income tax-related interest and penalties, if applicable, within income tax expense.
Impairment of Long-Lived Assets	Impairment of Long-Lived Assets Long-lived assets are reviewed for impairment whenever events or changes in circumstances indicate that the carrying amount of the asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted (and without interest) net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying amount of the assets exceeds the fair value of the assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value, less estimated costs to sell.
Securities Sold Under Agreements to Repurchase and Other Borrowings	Securities Sold Under Agreements to Repurchase and Other Borrowings The Company enters into sales of securities under agreements to repurchase (Repurchase Agreements) and collateral pledge agreements (Pledge Agreements) with selected dealers and banks. Such agreements are accounted for as secured financing transactions since the Company maintains effective control over the transferred or pledged securities and the transfer meets the other accounting and recognition criteria as required by the transfer and servicing topic of the Financial Accounting Standards Board (“FASB”) Accounting Standards. Obligations under these agreements are reflected as a liability in the consolidated balance sheets. Securities underlying the agreements are maintained at selected dealers and banks as collateral for each transaction executed and may be sold or pledged by the counterparty. Collateral underlying Repurchase Agreements that permit the counterparty to sell or pledge the underlying collateral is disclosed on the consolidated balance sheets as “encumbered.” The Company retains the right under all Repurchase Agreements and Pledge Agreements to substitute acceptable collateral throughout the terms of the agreement.
Comprehensive Income (Loss)	Comprehensive Income (Loss) Comprehensive income (loss) includes net income and the change in unrealized holding gains and losses on debt securities available-for-sale, change in actuarial gains and losses on other post-retirement benefits, and change in service cost on other postretirement benefits, net of taxes. Comprehensive income (loss) and its components is presented in the Consolidated Statements of Comprehensive Income.
Benefits	Benefits The Company sponsors a defined postretirement benefit plan that provides for medical and life insurance coverage to a limited number of retirees, as well as life insurance to all qualifying employees of the Company. The estimated cost of postretirement benefits earned is accrued during an individual’s estimated service period to the Company. The Company recognizes in its balance sheet the over-funded or under-funded status of a defined benefit postretirement plan measured as the difference between the fair value of plan assets and the benefit obligation at the end of our calendar year. The actuarial gains and losses and the prior service costs and credits that arise during the period are recognized as a component of other comprehensive income (loss), net of tax. Funds borrowed by the Employee Stock Ownership Plan (the “ESOP”) from the Company to purchase the Company’s common stock are being repaid from the Bank’s contributions over a period of up to 30 years. The Company’s common stock not yet allocated to participants is recorded as a reduction of stockholders’ equity at cost. The Company records compensation expense related to the ESOP at an amount equal to the shares committed to be released by the ESOP multiplied by the average fair value of our common stock during the reporting period. The Company recognizes the grant-date fair value of stock based awards issued to participants' as compensation cost in the consolidated statements of comprehensive income. The fair value of common stock awards is based on the closing price of our common stock as reported on the NASDAQ Stock Market on the grant date. The expense related to stock options is based on the estimated fair value of the options at the date of the grant using the Black-Scholes pricing model. The awards are fixed in nature and compensation cost related to stock based awards is recognized on a straight-line basis over the requisite service periods. The Company accounts for forfeitures as they occur.
Segment Reporting	Segment Reporting As a community-focused financial institution, substantially all of the Company’s operations involve the delivery of loan and deposit products to customers. Management makes operating decisions and assesses performance based on an ongoing review of these community banking operations, which constitute the Company’s only operating segment for financial reporting purposes.
Net Income per Common Share	Net Income per Common Share Net income per common share-basic is computed by dividing the net income available to common stockholders by the weighted average number of common shares outstanding, excluding unallocated ESOP shares and unearned common stock award shares. The weighted average common shares outstanding includes the average number of shares of common stock outstanding, including shares allocated or committed to be released ESOP shares. Net income per common share-diluted is computed using the same method as basic earnings per share, but reflects the potential dilution that could occur if stock options and unvested shares of restricted stock were exercised and converted into common stock. These potentially dilutive shares are included in the weighted average number of shares outstanding for the period using the treasury stock method. In March 2016, the FASB issued ASU No. 2016-09, Compensation—Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting, a new standard that simplifies certain aspects of accounting for share-based payments. The Company adopted ASU No. 2016-09 effective January 1, 2017. The update amended the diluted earnings per share calculation in that excess tax benefits are no longer included in assumed proceeds when determining average diluted shares outstanding under the treasury stock method. This guidance was applied prospectively upon adoption. When applying the treasury stock method for the years ended December 31, 2018 and 2017, we added the assumed proceeds from option exercises and the average unamortized compensation costs related to unvested shares of restricted stock and stock options. We then divided this sum by our average stock price for the period to calculate assumed shares repurchased. The excess of the number of shares issuable over the number of shares assumed to be repurchased is added to basic weighted average common shares to calculate diluted earnings per share. For the year ended December 31, 2016, we added (1) the assumed proceeds from option exercises; (2) the tax benefit that would have been credited to additional paid-in capital assuming exercise of non-qualified stock options and vesting of shares of restricted stock; and (3) the average unamortized compensation costs related to unvested shares of restricted stock and stock options. We then divided this sum by our average stock price for the period to calculate assumed shares repurchased. The excess of the number of shares issuable over the number of shares assumed to be repurchased is added to basic weighted average common shares to calculate diluted earnings per share.
Other Real Estate Owned	Other Real Estate Owned Assets acquired through loan foreclosure, or deed-in-lieu of, are held for sale and are initially recorded at estimated fair value, less estimated selling costs, when acquired, thus establishing a new cost basis. Costs after acquisition are generally expensed. If the estimated fair value of the asset subsequently declines, a write-down is recorded through other non-interest expense.
Advertising Costs	Advertising costs are expensed in the period they are incurred. (u) Derivatives
Derivatives	The Company records all derivatives on the Consolidated Balance Sheets at fair value. The Company has interest rate derivatives resulting from a service provided to certain qualified borrowers in a loan related transaction and, therefore, are not used to manage interest rate risk in the Company’s assets or liabilities. As such, all changes in fair value of the Company’s interest rate derivatives are recognized directly in earnings. The fair value of the Company's derivatives is determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs.
Fair Value Measurement	The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of December 31, 2021 and 2020, by level within the fair value hierarchy as required by the Fair Value Measurements and Disclosures Topic of the FASB Accounting Standards Codification ("ASC"). Financial assets and liabilities are classified in their entirety based on the level of input that is significant to the fair value measurement. The fair value hierarchy is as follows: • Level 1 Inputs – Unadjusted quoted prices in active markets for identical assets or liabilities that the reporting entity has the ability to access at the measurement date. • Level 2 Inputs – Inputs other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly. These include quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability (for example, interest rates, volatilities, prepayment speeds, loss severities, credit risks and default rates) or inputs that are derived principally from or corroborated by observable market data by correlations or other means. • Level 3 Inputs – Significant unobservable inputs that reflect the Company’s own assumptions that market participants would use in pricing the assets or liabilities.
Fair Value of Financial Instruments	Fair Value of Financial Instruments The FASB ASC Topic for Financial Instruments requires disclosure of the fair value of financial assets and financial liabilities, including those financial assets and financial liabilities that are not measured and reported at fair value on a recurring or non-recurring basis. The methodologies for estimating the fair value of financial assets and financial liabilities that are measured at fair value on a recurring or non-recurring basis are discussed above. The following methods and assumptions were used to estimate the fair value of other financial assets and financial liabilities not already discussed above: (a) Cash and Cash Equivalents Cash and cash equivalents are short-term in nature with original maturities of three months or less; the carrying amount approximates fair value. Certificates of deposit having original terms of six-months or less; the carrying value generally approximates fair value. Certificates of deposit with an original maturity of six months or greater; the fair value is derived from discounted cash flows. (b) Debt Securities (Held-to-Maturity) The estimated fair values for substantially all of our securities are obtained from an independent, nationally recognized pricing service. The independent pricing service utilizes market prices of same or similar securities whenever such prices are available. Prices involving distressed sellers are not utilized in determining fair value. Where necessary, the independent third-party pricing service estimates fair value using models employing techniques such as discounted cash flow analysis. The assumptions used in these models typically include assumptions for interest rates, credit losses, and prepayments, utilizing market observable data where available. (c) Investments in Equity Securities at Net Asset Value Per Share The Company uses net asset value as a practical expedient to record its investment in a private SBA Loan Fund since the shares in the fund are not publicly traded, do not have a readily determinable fair value, and the net asset value per share is calculated in a manner consistent with the measurement principles of an investment company. (d) FHLBNY Stock The fair value for FHLBNY stock is its carrying value, since this is the amount for which it could be redeemed and there is no active market for this stock. (e) Loans (Held-for-Investment) Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as originated and purchased, and further segregated by residential mortgage, construction, land, multifamily, commercial and consumer. Each loan category is further segmented into amortizing and non-amortizing and fixed and adjustable rate interest terms and by performing and non-performing categories. The fair value of loans is estimated using a discounted cash flow analysis. The discount rates used to determine fair value use interest rate spreads that reflect factors such as liquidity, credit, and non-performance risk of the loans. (f) Loans (Held-for-Sale) Held-for-sale loans are carried at the lower of aggregate cost or estimated fair value, less costs to sell, and therefore fair value is equal to carrying value. (g) Deposits The fair value of deposits with no stated maturity, such as interest and non-interest-bearing demand deposits, savings, NOW and money market accounts, is equal to the amount payable on demand. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. (h) Commitments to Extend Credit and Standby Letters of Credit The fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counterparties. For fixed-rate loan commitments, fair value also considers the difference between current levels of interest rates and the committed rates. The fair value of off-balance-sheet commitments is insignificant and therefore not included in the following table. (i) Borrowings The fair value of borrowed funds is estimated by discounting future cash flows based on rates currently available for debt with similar terms and remaining maturity. (j) Advance Payments by Borrowers for Taxes and Insurance Advance payments by borrowers for taxes and insurance have no stated maturity; the fair value is equal to the amount currently payable. (k) Derivatives The fair value of the Company's derivatives is determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs.

Business Combinations (Tables)

Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2021
Business Combination and Asset Acquisition [Abstract]
Schedule of Business Acquisitions, by Acquisition	The following table summarizes the estimated fair values of the assets acquired and the liabilities assumed at the date of acquisition for Victory (in thousands): At July 1, 2020 Fair Value Total Purchase Price $ 41,173 Assets acquired: Cash and cash equivalents $ 72,875 Debt securities available-for-sale 126,931 Loans 180,431 Accrued interest receivable 1,415 Bank-owned life insurance 5,714 Premises and equipment 7,789 Other assets 5,010 Total assets acquired 400,165 Liabilities assumed: Deposits 354,592 Other liabilities 7,001 Total liabilities assumed 361,593 Net assets acquired $ 38,572 Goodwill recorded in the merger $ 2,601
Schedule of Credit Impaired Loans Acquired in Acquisition	The following is a summary of the credit impaired loans acquired in the Victory acquisition as of the closing date (in thousands): July 1, 2020 Contractually required principal and interest $ 7,809 Contractual cash flows not expected to be collected (non-accretable discount) 3,315 Expected cash flows to be collected at acquisition 4,494 Interest component of expected cash flows (accretable yield) (599) Fair value of acquired loans $ 3,895

Debt Securities Available-for_2

Debt Securities Available-for-Sale (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Comparative Summary Of Mortgage-Backed Securities And Other Securities Available-for-Sale	The following is a comparative summary of mortgage-backed securities and other debt securities available-for-sale at December 31, 2021 and 2020 (in thousands): December 31, 2021 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 2,344 $ — $ (54) $ 2,290 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 579,035 5,233 (2,862) 581,406 Real estate mortgage investment conduits ("REMICs"): GSE 390,755 2,398 (1,443) 391,710 969,790 7,631 (4,305) 973,116 Other debt securities: Municipal bonds 71 1 — 72 Corporate bonds 233,311 192 (744) 232,759 233,382 193 (744) 232,831 Total debt securities available-for-sale $ 1,205,516 $ 7,824 $ (5,103) $ 1,208,237 December 31, 2020 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 3,168 $ — $ (10) $ 3,158 Mortgage-backed securities: Pass-through certificates: GSE 270,867 10,720 (244) 281,343 REMICs: GSE 884,414 7,027 (476) 890,965 Non-GSE 4 — — 4 1,155,285 17,747 (720) 1,172,312 Other debt securities: Municipal bonds 122 1 — 123 Corporate bonds 87,319 1,099 — 88,418 Asset-backed securities 779 15 — 794 88,220 1,115 — 89,335 Total debt securities available-for-sale $ 1,246,673 $ 18,862 $ (730) $ 1,264,805
Summary Of Expected Maturity Distribution Of Debt Securities Available-for-Sale, Other Than Mortgage-Backed Securities	The following is a summary of the expected maturity distribution of debt securities available-for-sale other than mortgage-backed securities at December 31, 2021 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 57,299 $ 57,295 Due after one year through five years 161,074 160,835 Due after five years through ten years 17,353 16,991 $ 235,726 $ 235,121
Gross Unrealized Losses On Mortgage-Backed Securities	Gross unrealized losses on mortgage-backed securities and other debt securities available-for-sale, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at December 31, 2021 and 2020, were as follows (in thousands): December 31, 2021 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value U.S. Government agency securities $ — $ — $ (54) $ 2,290 $ (54) $ 2,290 Mortgage-backed securities: Pass-through certificates: GSE (2,543) 417,291 (318) 14,625 (2,861) 431,916 REMICs: GSE (1,350) 125,725 (94) 4,413 (1,444) 130,138 Other debt securities: Corporate bonds (744) 146,853 — — (744) 146,853 Total $ (4,637) $ 689,869 $ (466) $ 21,328 $ (5,103) $ 711,197 December 31, 2020 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value U.S. Government agency securities $ (10) $ 3,158 $ — $ — $ (10) $ 3,158 Mortgage-backed securities: Pass-through certificates: GSE (233) 28,419 (11) 459 (244) 28,878 REMICs: GSE (476) 210,569 — — (476) 210,569 Total $ (719) $ 242,146 $ (11) $ 459 $ (730) $ 242,605

Debt Securities Held-to-Matur_2

Debt Securities Held-to-Maturity (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Summary Of Mortgage-Backed Securities Held-to-Maturity	The following is a summary of mortgage-backed securities held-to-maturity at December 31, 2021 and 2020 (in thousands): December 31, 2021 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSEs $ 5,283 $ 192 $ — $ 5,475 Total securities held-to-maturity $ 5,283 $ 192 $ — $ 5,475 December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSEs $ 7,234 $ 340 $ — $ 7,574 Total securities held-to-maturity $ 7,234 $ 340 $ — $ 7,574

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Receivables [Abstract]
Net Loans Held-For-Investment	The following table summarizes the Company's loans held-for-investment, net, (in thousands): December 31, 2021 2020 Real estate loans: Multifamily $ 2,518,065 $ 2,509,310 Commercial mortgage 808,597 716,973 One-to-four family residential mortgage 183,665 210,817 Home equity and lines of credit 109,956 91,126 Construction and land 27,495 74,318 Total real estate loans 3,647,778 3,602,544 Commercial and industrial loans (1) 141,005 194,352 Other loans 2,015 3,029 Total commercial and industrial and other loans 143,020 197,381 Deferred origination loan fees, net (2) — 4,795 Loans held-for-investment, net (excluding PCD/PCI) 3,790,798 3,804,720 PCD/PCI Loans 15,819 18,518 Total loans held-for-investment, net 3,806,617 3,823,238 Allowance for credit losses (38,973) (37,607) Net loans held-for-investment $ 3,767,644 $ 3,785,631 (1) Included in commercial and industrial loans at December 31, 2021 and 2020 are PPP loans totaling $40.5 million and $126.5 million, respectively.
Investment Of Originated Loans Held-For-Investment, Net Of Deferred Fees And Costs, By Loan Type And Credit Quality Indicator	The following table presents the Company’s loans held-for-investment, excluding PCD loans, by loan class, credit risk ratings and year of origination, at December 31, 2021 (in thousands): December 31, 2021 2021 2020 2019 2018 2017 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 723,029 $ 525,078 $ 322,067 $ 238,692 $ 231,647 $ 461,834 $ 184 $ 2,502,531 Special mention — — — — — 425 — 425 Substandard — — 1,724 5,401 — 7,984 — 15,109 Total multifamily 723,029 525,078 323,791 244,093 231,647 470,243 184 2,518,065 Commercial Pass 153,803 72,718 97,228 99,165 65,750 274,195 2,589 765,448 Special mention — — 505 — 1,095 8,559 — 10,159 Substandard 10,881 — 7,866 — 2,854 11,389 — 32,990 Total commercial 164,684 72,718 105,599 99,165 69,699 294,143 2,589 808,597 One-to-four family residential Pass 12,095 9,040 11,244 13,299 10,232 120,693 1,004 177,607 Special mention — — 467 — — 2,336 — 2,803 Substandard — — 517 — — 2,738 — 3,255 Total one-to-four family residential 12,095 9,040 12,228 13,299 10,232 125,767 1,004 183,665 Home equity and lines of credit Pass 18,449 12,244 7,347 6,031 2,592 11,162 51,494 109,319 Special mention — — — — — 103 — 103 Substandard — — 96 50 — 388 — 534 Total home equity and lines of credit 18,449 12,244 7,443 6,081 2,592 11,653 51,494 109,956 Construction and land Pass 9,883 5,755 2,039 4,062 1,809 3,467 480 27,495 Total construction and land 9,883 5,755 2,039 4,062 1,809 3,467 480 27,495 Total real estate loans 928,140 624,835 451,100 366,700 315,979 905,273 55,751 3,647,778 Commercial and industrial Pass 45,426 10,087 4,378 2,316 640 9,298 61,728 133,873 Special mention — — 166 — 132 224 50 572 Substandard — 361 154 595 — 726 4,724 6,560 Total commercial and industrial 45,426 10,448 4,698 2,911 772 10,248 66,502 141,005 Other Pass 1,715 156 19 26 — 49 50 2,015 Total other 1,715 156 19 26 — 49 50 2,015 Total loans held-for-investment, net $ 975,281 $ 635,439 $ 455,817 $ 369,637 $ 316,751 $ 915,570 $ 122,303 $ 3,790,798 The following table details the recorded investment of loans held-for-investment, excluding PCI loans, net of deferred fees and costs, by loan type and credit quality indicator at December 31, 2020 (in thousands): December 31, 2020 Real Estate Multifamily Commercial One-to-Four Family Home Equity and Lines of Credit Construction and Land Commercial and Industrial Other Total Internal Risk Rating Pass $ 2,497,556 $ 667,568 $ 207,633 $ 92,385 $ 74,351 $ 189,372 $ 3,026 $ 3,731,891 Special Mention 458 20,422 2,456 311 — 498 — 24,145 Substandard 14,920 29,576 2,133 441 — 1,611 3 48,684 Total loans held-for-investment, net $ 2,512,934 $ 717,566 $ 212,222 $ 93,137 $ 74,351 $ 191,481 $ 3,029 $ 3,804,720
Estimated Expected Future Cash Flows Of Each PCI Loan Pool	The following tables set forth the detail, and delinquency status, of non-performing loans (non-accrual loans and loans past due 90 days or more and still accruing), net of deferred fees and costs, at December 31, 2021, and December 31, 2020, excluding PCD/PCI loans (in thousands): December 31, 2021 Total Non-Performing Loans Non-Accruing Loans Current 30-89 Days Past Due 90 Days or More Past Due Total 90 Days or More Past Due and Accruing Total Non-Performing Loans Loans held-for-investment: Real estate loans: Multifamily Substandard $ — $ 280 $ 1,602 $ 1,882 $ — $ 1,882 Total multifamily — 280 1,602 1,882 — 1,882 Commercial Special Mention — — 280 280 — 280 Substandard 2,944 — 1,893 4,837 147 4,984 Total commercial 2,944 — 2,173 5,117 147 5,264 One-to-four family residential Substandard — — 314 314 165 479 Total one-to-four family residential — — 314 314 165 479 Home equity and lines of credit Substandard — — 281 281 — 281 Total home equity and lines of credit — — 281 281 — 281 Total real estate 2,944 280 4,370 7,594 312 7,906 Commercial and industrial loans Pass — — — — 72 72 Substandard 28 — — 28 — 28 Total commercial and industrial loans 28 — — 28 72 100 Total non-performing loans $ 2,972 $ 280 $ 4,370 $ 7,622 $ 384 $ 8,006 December 31, 2020 Total Non-Performing Loans Non-Accruing Loans Current 30-89 Days Past Due 90 Days or More Past Due Total 90 Days or More Past Due and Accruing Total Non-Performing Loans Loans held-for-investment: Real estate loans: Multifamily Substandard $ — $ — $ 1,153 $ 1,153 $ — $ 1,153 Total multifamily — — 1,153 1,153 — 1,153 Commercial Pass — — — — 500 500 Substandard 2,829 537 2,863 6,229 — 6,229 Total commercial 2,829 537 2,863 6,229 500 6,729 One-to-four family residential Substandard 413 — 493 906 174 1,080 Total one-to-four family residential 413 — 493 906 174 1,080 Home equity and lines of credit Substandard 60 — 131 191 — 191 Total home equity and lines of credit 60 — 131 191 — 191 Total real estate 3,302 537 4,640 8,479 674 9,153 Commercial and industrial loans Pass — — — — 101 101 Special mention — — — — 85 85 Substandard — — 37 37 250 287 Total commercial and industrial loans — — 37 37 436 473 Other loans Pass — — — — 3 3 Total other — — — — 3 3 Total non-performing loans $ 3,302 $ 537 $ 4,677 $ 8,516 $ 1,113 $ 9,629
Detail and Delinquency Status of Originated Loans Held-For-Investment, Net Of Deferred Fees and Costs, By Performing And Non-Performing Loans	The following tables set forth the detail and delinquency status of loans held-for-investment, excluding PCD/PCI loans, net of deferred fees and costs, at December 31, 2021 and December 31, 2020 (in thousands): December 31, 2021 Past Due Loans 30-89 Days Past Due 90 Days or More Past Due 90 Days or More Past Due and Accruing Total Past Due Current Total Loans Receivable, net Loans held-for-investment: Real estate loans: Multifamily Pass $ — $ — $ — $ — $ 2,502,531 $ 2,502,531 Special mention — — — — 425 425 Substandard 280 1,602 — 1,882 13,227 15,109 Total multifamily 280 1,602 — 1,882 2,516,183 2,518,065 Commercial Pass 77 — — 77 765,371 765,448 Special mention 67 280 — 347 9,812 10,159 Substandard — 1,893 147 2,040 30,950 32,990 Total commercial 144 2,173 147 2,464 806,133 808,597 One-to-four family residential Pass 206 — — 206 177,401 177,607 Special mention 387 — — 387 2,416 2,803 Substandard — 314 165 479 2,776 3,255 Total one-to-four family residential 593 314 165 1,072 182,593 183,665 Home equity and lines of credit Pass 316 — — 316 109,003 109,319 Special mention — — — — 103 103 Substandard 96 281 — 377 157 534 Total home equity and lines of credit 412 281 — 693 109,263 109,956 Construction and land Pass — — — — 27,495 27,495 Total construction and land — — — — 27,495 27,495 Total real estate 1,429 4,370 312 6,111 3,641,667 3,647,778 Commercial and industrial Pass 2 — 72 74 133,799 133,873 Special mention — — — — 572 572 Substandard — — — — 6,560 6,560 Total commercial and industrial 2 — 72 74 140,931 141,005 Other loans Pass 15 — — 15 2,000 2,015 Total other loans 15 — — 15 2,000 2,015 Total loans held-for-investment $ 1,446 $ 4,370 $ 384 $ 6,200 $ 3,784,598 $ 3,790,798 December 31, 2020 Past Due Loans 30-89 Days Past Due 90 Days or More Past Due 90 Days or More Past Due and Accruing Total Past Due Current Total Loans Receivable, net Loans held-for-investment: Real estate loans: Multifamily Pass $ 1,283 $ — $ — $ 1,283 $ 2,496,273 $ 2,497,556 Special mention — — — — 458 458 Substandard 610 1,153 — 1,763 13,157 14,920 Total multifamily 1,893 1,153 — 3,046 2,509,888 2,512,934 Commercial Pass 6,072 — 500 6,572 660,996 667,568 Special mention 72 — — 72 20,350 20,422 Substandard 3,185 2,863 — 6,048 23,528 29,576 Total commercial 9,329 2,863 500 12,692 704,874 717,566 One-to-four family residential Pass 282 — — 282 207,351 207,633 Special mention 870 — — 870 1,586 2,456 Substandard — 493 174 667 1,466 2,133 Total one-to-four family residential 1,152 493 174 1,819 210,403 212,222 Home equity and lines of credit Pass 80 — — 80 92,305 92,385 Special mention 200 — — 200 111 311 Substandard 100 131 — 231 210 441 Total home equity and lines of credit 380 131 — 511 92,626 93,137 Construction and land Pass 994 — — 994 73,357 74,351 Total construction and land 994 — — 994 73,357 74,351 Total real estate 13,748 4,640 674 19,062 3,591,148 3,610,210 Commercial and industrial Pass 632 — 101 733 188,639 189,372 Special mention 61 — 85 146 352 498 Substandard 67 37 250 354 1,257 1,611 Total commercial and industrial 760 37 436 1,233 190,248 191,481 Other loans Pass 11 — 3 14 3,012 3,026 Substandard — — — — 3 3 Total other loans 11 — 3 14 3,015 3,029 Total loans held-for-investment $ 14,519 $ 4,677 $ 1,113 $ 20,309 $ 3,784,411 $ 3,804,720
Financing Receivable, Nonaccrual	The following tables summarize information on non-accrual loans, excluding PCD loans, at December 31, 2021 (in thousands): For the Year Ended December 31, 2021 December 31, 2021 Recorded Investment Unpaid Principal Balance With No Related Allowance Interest Income Real estate loans: Multifamily $ 1,882 $ 1,891 $ 512 $ 70 Commercial 5,117 5,627 3,729 85 One-to-four family residential 314 346 — 10 Home equity and lines of credit 281 530 — 2 Commercial and industrial 28 349 — 8 Total non-accrual loans $ 7,622 $ 8,743 $ 4,241 $ 175
Summary of Impaired Loans	The following table summarizes impaired loans, excluding PCI loans, at December 31, 2020 (in thousands): December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance With No Allowance Recorded: Real estate loans: Multifamily $ 626 $ 1,097 $ — Commercial 8,838 10,076 — One-to-four family residential 1,903 2,032 — Home equity and lines of credit 15 15 — Total real estate 11,382 13,220 — With a Related Allowance Recorded: Real estate loans: Commercial 1,812 2,244 (66) Home equity and lines of credit 32 32 (3) Total real estate 1,844 2,276 (69) Commercial and industrial loans 16 16 (4) Total: Real estate loans Multifamily 626 1,097 — Commercial 10,650 12,320 (66) One-to-four family residential 1,903 2,032 — Home equity and lines of credit 47 47 (3) Commercial and industrial loans 16 16 (4) $ 13,242 $ 15,512 $ (73) The following table summarizes the average recorded investment in impaired loans, excluding PCI loans, and interest income recognized as of, and for, the year ended December 31, 2020 (in thousands): For the Year Ended December 31, 2020 Average Recorded Investment Interest Income With No Allowance Recorded: Real estate loans: Multifamily $ 808 $ 50 Commercial 13,299 400 One-to-four family residential 2,134 94 Home equity and lines of credit 19 1 Commercial and industrial loans 30 — With a Related Allowance Recorded: Real estate loans: Commercial 2,374 107 One-to-four family residential 104 — Home equity and lines of credit 32 1 Commercial and industrial loans 17 1 Total: Real estate loans Multifamily 808 50 Commercial 15,673 507 One-to-four family residential 2,238 94 Home equity and lines of credit 51 2 Commercial and industrial loans 47 1 $ 18,817 $ 654
Troubled Debt Restructurings on Financing Receivables	The following tables summarize loans that were modified in a TDR during the years ended December 31, 2021 and 2020: Year Ended December 31, 2021 Number of Relationships Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (1) (Dollars in thousands) Troubled Debt Restructurings Commercial and industrial 2 $ 96 $ 96 Total Troubled Debt Restructurings 2 $ 96 $ 96 (1) Amounts are at time of modification. Year Ended December 31, 2020 Number of Relationships Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (1) (Dollars in thousands) Troubled Debt Restructurings Residential 1 $ 187 $ 187 Commercial Real Estate 2 544 544 Total Troubled Debt Restructurings 3 $ 731 $ 731 (1) Amounts are at time of modification.

Allowance for Credit Losses (_2

Allowance for Credit Losses (“ACL”) on Loans (Tables)	12 Months Ended
	Dec. 31, 2021
Credit Loss [Abstract]
Schedule of Allowance for Credit Losses for Off-Balance Sheet credit Exposures	The table below summarizes the allowance for credit losses for off-balance sheet credit exposures (in thousands): Year Ended December 31, 2021 Balance at beginning of period $ 808 Impact of CECL adoption 737 Balance at beginning of period 1,545 Provision for credit losses 307 Balance at end of period $ 1,852 A summary of changes in the allowance for credit losses for the years ended December 31, 2021, 2020, and 2019 follows (in thousands): December 31, 2021 2020 2019 Balance at beginning of year $ 37,607 $ 28,707 $ 27,497 Impact of CECL adoption 10,353 — — Balance at January 1 47,960 28,707 27,497 (Benefit)/provision for credit losses (6,184) 12,742 22 Recoveries 278 465 2,175 Charge-offs (3,081) (4,307) (987) Balance at end of year $ 38,973 $ 37,607 $ 28,707
Activity In Allowance For Loan Losses	The following tables set forth activity in our allowance for credit losses by loan type, as of, and for the years ended, December 31, 2021, and December 31, 2020. The following tables also detail the amount of loans receivable held-for-investment, net of deferred loan fees and costs, that are evaluated, individually and collectively, for impairment, and the related portion of allowance for credit losses that is allocated to each loan portfolio segment (in thousands): December 31, 2021 Real Estate Commercial (1) One-to-Four Family Home Equity and Lines of Credit Construction and Land Commercial and Industrial Other Total Loans (excluding PCD) PCD Total Allowance for credit losses: Beginning balance $ 33,005 $ 207 $ 260 $ 1,214 $ 1,842 $ 198 $ 36,726 $ 881 $ 37,607 Impact of CECL adoption (1,949) 5,233 419 (921) 947 (188) 3,541 6,812 10,353 Balance at January 1, 2021 31,056 5,440 679 293 2,789 10 40,267 7,693 47,960 Charge-offs — (21) — — (646) (3) (670) (2,411) (3,081) Recoveries 60 29 26 — 39 5 159 119 278 Provisions (credit) (4,331) (1,903) (145) (124) 991 (3) (5,515) (669) (6,184) Ending balance $ 26,785 $ 3,545 $ 560 $ 169 $ 3,173 $ 9 $ 34,241 $ 4,732 $ 38,973 Ending balance: individually evaluated for impairment $ 25 $ 2 $ 2 $ — $ 1 $ — $ 30 $ — $ 30 Ending balance: collectively evaluated for impairment $ 26,760 $ 3,543 $ 558 $ 169 $ 3,172 $ 9 $ 34,211 $ — $ 34,211 Ending balance: PCD loans evaluated for impairment (2) $ — $ — $ — $ — $ — $ — $ — $ 4,732 $ 4,732 Loans, net: Ending balance $ 3,326,662 $ 183,665 $ 109,956 $ 27,495 $ 141,005 $ 2,015 $ 3,790,798 $ 15,819 $ 3,806,617 Ending balance: individually evaluated for impairment $ 8,352 $ 1,562 $ 38 $ — $ 34 $ — $ 9,986 $ — $ 9,986 Ending balance: collectively evaluated for impairment $ 3,318,310 $ 182,103 $ 109,918 $ 27,495 $ 100,454 $ 2,015 $ 3,740,295 $ — $ 3,740,295 Ending balance: PCD loans evaluated for impairment (2) $ — $ — $ — $ — $ — $ — $ — $ 15,819 $ 15,819 PPP loans not evaluated for impairment (3) $ — $ — $ — $ — $ 40,517 $ — $ 40,517 $ — $ 40,517 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. (2) Upon adoption of CECL, the Company elected to maintain pools of PCD loans that were previously accounted for under ASC 310-30, and will continue to evaluate PCD loans under this guidance. (3) PPP loans are guaranteed by the SBA and therefore excluded from the allowance for credit losses. December 31, 2020 Real Estate Commercial Multifamily One-to-Four Family Home Equity and Lines of Credit Construction and Land Commercial and Industrial Other Total Loans (excluding PCI) PCI Total Allowance for credit losses: Beginning balance $ 4,891 $ 20,203 $ 180 $ 317 $ 536 $ 1,640 $ 151 $ 27,918 $ 789 $ 28,707 Charge-offs (4,213) — — — — (94) — (4,307) — (4,307) Recoveries 414 — 5 27 — 13 6 465 — 465 Provisions (credit) 4,918 6,792 22 (84) 678 283 41 12,650 92 12,742 Ending balance $ 6,010 $ 26,995 $ 207 $ 260 $ 1,214 $ 1,842 $ 198 $ 36,726 $ 881 $ 37,607 Ending balance: individually evaluated for impairment $ 66 $ — $ — $ 3 $ — $ 4 $ — $ 73 $ — $ 73 Ending balance: collectively evaluated for impairment $ 5,944 $ 26,995 $ 207 $ 257 $ 1,214 $ 1,838 $ 198 $ 36,653 $ 881 $ 37,534 Loans, net: Ending balance $ 717,566 $ 2,512,934 $ 212,222 $ 93,137 $ 74,351 $ 191,481 $ 3,029 $ 3,804,720 $ 18,518 $ 3,823,238 Ending balance: individually evaluated for impairment $ 10,650 $ 626 $ 1,903 $ 47 $ — $ 16 $ — 13,242 $ — $ 13,242 Ending balance: collectively evaluated for impairment $ 706,916 $ 2,512,308 $ 210,319 $ 93,090 $ 74,351 $ 64,930 $ 3,029 $ 3,664,943 $ 18,518 $ 3,683,461 PPP loans not evaluated for impairment (1) $ — $ — $ — $ — $ — $ 126,535 $ — $ 126,535 $ — $ 126,535 (1) PPP loans are guaranteed by the SBA and therefore excluded from the allowance for credit losses.

Premises and Equipment, Net (Ta

Premises and Equipment, Net (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises And Equipment Less Accumulated Depreciation And Amortization	At December 31, 2021 and 2020, premises and equipment, less accumulated depreciation and amortization, consists of the following (in thousands): December 31, 2021 2020 At cost: Land $ 5,156 $ 5,156 Buildings and improvements 13,150 13,078 Capital leases 2,600 2,600 Furniture, fixtures, and equipment 31,269 29,880 Leasehold improvements 28,148 27,971 80,323 78,685 Accumulated depreciation and amortization (54,386) (50,497) Premises and equipment, net $ 25,937 $ 28,188

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposit Account Balances	Deposit account balances are summarized as follows (dollars in thousands): As of December 31, 2021 2020 Amount Weighted Average Rate Amount Weighted Average Rate Transaction: Negotiable orders of withdrawal and interest-bearing checking $ 1,112,292 0.06 % $ 905,208 0.11 % Non-interest bearing checking 898,490 — % 695,831 — % Total transaction 2,010,782 0.03 % 1,601,039 0.06 % Savings: Money market 609,430 0.07 % 813,168 0.10 % Savings 1,166,761 0.10 % 1,140,717 0.19 % Total savings 1,776,191 0.09 % 1,953,885 0.15 % Certificates of deposit: Under $100,000 154,320 0.59 % 241,862 1.05 % $100,000 or more 228,041 0.75 % 279,765 0.71 % Total certificates of deposit 382,361 0.69 % 521,627 0.87 % Total deposits $ 4,169,334 0.12 % $ 4,076,551 0.21 %
Maturities Of Certificates Of Deposit	Scheduled maturities of certificates of deposit are summarized as follows (in thousands): December 31, 2021 2022 $ 295,838 2023 51,691 2024 16,765 2025 13,363 2026 4,704 Total $ 382,361
Interest Expense On Deposits	Interest expense on deposits is summarized as follows (in thousands): December 31, 2021 2020 2019 Transaction $ 805 $ 2,372 $ 4,623 Savings and money market 2,226 7,869 15,850 Certificates of deposit 3,176 14,989 20,855 $ 6,207 $ 25,230 $ 41,328

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Summary of Borrowings	Borrowings consisted of FHLB advances, securities sold under agreements to repurchase (repurchase agreements), and floating rate advances and are summarized as follows (in thousands): December 31, 2021 2020 Repurchase agreements $ 50,000 $ 75,000 Other borrowings: FHLB advances 365,000 510,000 Floating rate advances 6,755 6,789 $ 421,755 $ 591,789
Contractual Maturities Repurchase Agreements And FHLB Advances	At December 31, 2021 and 2020, FHLB advances and repurchase agreements had contractual maturities as follows (in thousands): December 31, 2021 FHLB Repurchase Advances Agreements 2022 $ 95,000 $ 25,000 2023 87,500 — 2024 25,000 25,000 2025 112,500 — Thereafter 45,000 — $ 365,000 $ 50,000 December 31, 2020 FHLB Repurchase Advances Agreements 2021 $ 145,000 $ 25,000 2022 95,000 25,000 2023 87,500 — 2024 25,000 25,000 2025 112,500 — Thereafter 45,000 — $ 510,000 $ 75,000 Further information regarding FHLB advances and repurchase agreements is summarized as follows (in thousands): December 31, 2021 2020 2021 2020 FHLB Advances Repurchase Agreements Average balance during year $ 434,422 $ 562,467 $ 60,068 $ 75,000 Maximum outstanding at any month end $ 510,000 $ 695,000 $ 75,000 $ 75,000 Weighted average interest rate at end of year 2.10 % 2.05 % 2.36 % 2.30 % Weighted average interest rate during year 2.08 % 2.01 % 2.36 % 2.35 %
Summary of Interest Expense on Borrowings	Interest expense on borrowings is summarized as follows (in thousands): December 31, 2021 2020 2019 Repurchase agreements $ 1,416 $ 1,762 $ 1,065 FHLB advances 9,026 11,323 10,795 Floating rate advances — 22 170 $ 10,442 $ 13,107 $ 12,030

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
Income Tax Disclosure [Abstract]
Income Tax Expense (Benefit)	Income tax expense (benefit) consists of the following (in thousands): December 31, 2021 2020 2019 Federal tax expense (benefit): Current $ 15,313 $ 11,270 $ 8,543 Deferred 3,107 (2,391) 376 18,420 8,879 8,919 State and local tax expense (benefit): Current 8,001 4,825 4,067 Deferred 52 (667) (199) 8,053 4,158 3,868 Total income tax expense $ 26,473 $ 13,037 $ 12,787
Reconciliation Between The Amount Of Reported Total Income Tax Expense And The Amount Computed By Multiplying The Applicable Statutory Income Tax Rate	Reconciliation between the amount of reported total income tax expense and the amount computed by multiplying the applicable statutory income tax rate for the years ended December 31, 2021, 2020, and 2019, is as follows (dollars in thousands): December 31, 2021 2020 2019 Tax expense at statutory rate $ 20,397 $ 10,505 $ 11,135 Applicable statutory federal income tax rate 21 % 21 % 21 % Increase (decrease) in taxes resulting from: State tax, net of federal income tax 6,362 3,285 3,056 Bank owned life insurance (862) (793) (1,475) ESOP fair market value adjustment 102 42 187 Incentive stock options 6 18 81 Merger related costs — 147 — Excess tax benefits from employee share based payments — — (110) Other, net 468 (167) (87) Income tax expense $ 26,473 $ 13,037 $ 12,787
Tax Effects Of Temporary Differences That Give Rise To Significant Portions Of The Deferred Tax Assets And Deferred Tax Liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2021 and 2020, are as follows (in thousands): December 31, 2021 2020 Deferred tax assets: Allowance for credit losses $ 11,057 $ 10,348 Deferred compensation 3,145 3,233 Accrued salaries 1,338 775 Postretirement benefits 354 346 Equity awards 2,051 2,170 Straight-line leases adjustment 1,713 1,533 Asset retirement obligation 68 71 Reserve for accrued interest receivable 620 675 Reserve for loan commitments 537 226 Employee Stock Ownership Plan 645 647 Other 317 293 Depreciation 3,229 2,798 Fair value adjustments of acquired loans 1,440 4,967 Fair value adjustments of pension benefit obligations 139 140 Total gross deferred tax assets 26,653 28,222 Deferred tax liabilities: Unrealized gains on securities – AFS 761 5,083 Unrealized actuarial gains on post retirement benefits 15 15 Fair value adjustments of acquired securities 580 825 Fair value adjustments of deposit liabilities 28 3 Deferred loan fees 2,010 1,387 Other 23 26 Total gross deferred tax liabilities 3,417 7,339 Net deferred tax asset $ 23,236 $ 20,883
Schedule of Unrecognized Tax Benefits Roll Forward	A reconciliation of the Company’s uncertain tax positions are as follows (in thousands): December 31, 2021 2020 2019 Beginning balance $ 157 $ 190 $ 530 Settlements based on tax positions related to prior years (125) (33) (530) Additions based on tax positions related to prior years 109 — 190 Ending balance $ 141 $ 157 $ 190

Retirement Benefits (Tables)

Retirement Benefits (Tables)	12 Months Ended
	Dec. 31, 2021
Retirement Benefits [Abstract]
Funded Status and Components of Postretirement Benefit Costs	The following tables set forth the funded status and components of postretirement benefit costs at December 31 measurement dates (in thousands): 2021 2020 2019 Accumulated postretirement benefit obligation beginning of year $ 1,133 $ 1,241 $ 1,359 Service cost — — 9 Interest cost 22 33 52 Actuarial gain (77) (44) (76) Benefits paid (99) (97) (103) Accumulated postretirement benefit obligation end of year 979 1,133 1,241 Accrued liability (included in accrued expenses and other liabilities) $ 979 $ 1,133 $ 1,241
Amounts Recognized In Accumulated Other Comprehensive Income (Loss)	The following table sets forth the amounts recognized in accumulated other comprehensive income (loss) (in thousands): December 31, 2021 2020 Net loss $ 11 $ 87 Prior service credit (152) (171) Loss recognized in accumulated other comprehensive income (loss) $ (141) $ (84)
Components Of Net Periodic Postretirement Benefit Cost	The following table sets forth the components of net periodic postretirement benefit costs for the years ended December 31, 2021, 2020, and 2019 (in thousands): December 31, 2021 2020 2019 Service cost $ — $ — $ 9 Interest cost 22 33 52 Amortization of prior service credits (20) (20) — Amortization of unrecognized loss — 1 2 Net postretirement benefit cost included in compensation and employee benefits $ 2 $ 14 $ 63
Assumptions Used In Accounting For The Plan	The Company’s discount rate and rate of compensation increase used in accounting for the plan are as follows: 2021 2020 2019 Assumptions used to determine benefit obligation at period end: Discount rate 2.50 % 2.00 % 2.75 % Rate of increase in compensation (1) N/A N/A 4.00 % Assumptions used to determine net periodic benefit cost for the year: Discount rate 2.00 % 2.75 % 4.00 % Rate of increase in compensation (1) N/A N/A 4.00 %
Schedule of Defined Benefit Plans Disclosures	A one percentage-point change in assumed healthcare cost trends would have the following effects (in thousands): One Percentage Point Increase One Percentage Point Decrease 2021 2020 2021 2020 Effect on benefits earned and interest cost $ 2 $ 3 $ (2) $ (2) Effect on accumulated postretirement benefit obligation 78 97 (68) (84) A one percentage-point change in assumed healthcare cost trends would have the following effects (in thousands): One Percentage Point Increase One Percentage Point Decrease 2021 2020 2019 2021 2020 2019 Aggregate of service and interest $ 2 $ 3 $ 4 $ (2) $ (2) $ (4)

Equity Incentive Plan (Tables)

Equity Incentive Plan (Tables)	12 Months Ended
	Dec. 31, 2021
Share-based Payment Arrangement [Abstract]
Stock Options Outstanding	The following table is a summary of the Company’s stock options as of December 31, 2021, and changes therein during the year then ended: Number of Stock Options Weighted Average Grant Date Fair Value Weighted Average Exercise Price Weighted Average Contractual Life (years) Outstanding- December 31, 2019 2,227,193 $ 4.01 $ 13.93 4.96 Exercised (13,000) 3.93 13.38 — Outstanding- December 31, 2020 2,214,193 4.01 13.94 3.96 Forfeited (50,169) 13.62 Exercised (394,045) 3.96 13.90 — Outstanding- December 31, 2021 1,769,979 4.02 13.95 2.95 Exercisable- December 31, 2021 1,769,979 $ 4.02 $ 13.95 2.95
Status of the Company's Restricted Share Awards	The following is a summary of the status of the Company’s restricted shares as of December 31, 2021, and changes therein during the year then ended: Number of Shares Awarded Weighted Average Grant Date Fair Value Non-vested at December 31, 2019 71,102 $ 15.36 Granted 103,581 15.81 Vested (67,100) 15.18 Forfeited (3,573) 15.81 Non-vested at December 31, 2020 104,010 15.91 Granted 176,930 12.36 Vested (42,470) 16.06 Forfeited (15,626) 13.80 Non-vested at December 31, 2021 222,844 $ 13.21

Commitments and Contingencies (

Commitments and Contingencies (Tables)	12 Months Ended
	Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
Commitment And Contingent Liabilities Not Reflected In Consolidated Financial Statements	At December 31, 2021 and 2020, the following commitment and contingent liabilities existed that are not reflected in the accompanying consolidated financial statements (in thousands): December 31, 2021 2020 Commitments to extend credit $ 159,403 $ 81,288 Unused lines of credit 245,860 153,960 Standby letters of credit 3,266 3,313

Regulatory Requirements (Tables

Regulatory Requirements (Tables)	12 Months Ended
	Dec. 31, 2021
Regulatory Requirements [Abstract]
Bank's Regulatory Capital Amounts And Ratios Compared To Regulatory Requirements	The following is a summary of Northfield Bank’s regulatory capital amounts and ratios compared to the regulatory requirements as of December 31, 2021 and 2020, for classification as a well-capitalized institution and minimum capital (dollars in thousands): For Well For Capital Capitalized Adequacy Under Prompt Corrective Actual Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2021: CBLR $ 659,522 12.24 % $ 457,872 8.50 % $ 457,872 8.50 % As of December 31, 2020: CBLR $ 656,324 11.96 % $ 439,124 8.00 % $ 439,124 8.00 % The following is a summary of the Company's regulatory capital amounts and ratios compared to the regulatory requirements as of December 31, 2021 and 2020, for classification as well-capitalized and minimum capital (dollars in thousands). For Well For Capital Capitalized Adequacy Under Prompt Corrective Actual Purposes Action Provisions Amount Ratio Amount Ratio Amount Ratio As of December 31, 2021: CBLR $ 696,368 12.93 % $ 457,751 8.50 % $ 457,751 8.50 % As of December 31, 2020: CBLR $ 698,864 12.73 % $ 439,219 8.00 % $ 439,219 8.00 %

Fair Value Measurement (Tables)

Fair Value Measurement (Tables)	12 Months Ended
	Dec. 31, 2021
Fair Value Disclosures [Abstract]
Significant Fair Value Of Assets And Liabilities Measured On Recurring And Non Recurring Basis	Fair Value Measurements at December 31, 2021 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Significant Unobservable (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S. Government agency securities $ 2,290 $ — $ 2,290 $ — Mortgage-backed securities: Pass-through certificates: GSE 581,406 — 581,406 — REMICs: GSE 391,710 — 391,710 — 973,116 — 973,116 — Other debt securities: Municipal bonds 72 — 72 — Corporate bonds 232,759 — 232,759 — 232,831 — 232,831 — Total debt securities available-for-sale 1,208,237 — 1,208,237 — Trading securities 13,461 13,461 — — Equity securities (1) 328 328 — — Total $ 1,222,026 $ 13,789 $ 1,208,237 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 3,599 $ — $ — $ 3,599 One-to-four family residential mortgage 169 — — 169 Home equity and lines of credit 27 — — 27 Total individually evaluated real estate loans 3,795 — — 3,795 Commercial and industrial loans 12 — — 12 Other real estate owned 100 — — 100 Total $ 3,907 $ — $ — $ 3,907 (1) Excludes investment measured at net asset value of $5.0 million at December 31, 2021, which has not been classified in the fair value hierarchy. Fair Value Measurements at December 31, 2020 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Significant Unobservable (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S Government agency securities $ 3,158 $ — $ 3,158 $ — Mortgage-backed securities Pass-through certificate GSE 281,343 — 281,343 — REMICs: GSE 890,965 $ — 890,965 — Non-GSE 4 — 4 — 1,172,312 — 1,172,312 — Other debt securities: Municipal bonds 123 — 123 — Corporate bonds 88,418 — 88,418 — Asset-backed securities 794 — 794 — 89,335 — 89,335 — Total debt securities available-for sale 1,264,805 — 1,264,805 — Trading securities 12,291 12,291 — — Equity securities 253 253 — — Total $ 1,277,349 $ 12,544 $ 1,264,805 $ — Measured on a non-recurring basis: Assets: Impaired loans: Real estate loans: Commercial real estate $ 5,268 $ — $ — $ 5,268 Multifamily 16 — — 16 Home equity and lines of credit 28 — — 28 Total impaired real estate loans 5,312 — — 5,312 Commercial and industrial loans 13 — — 13 Total $ 5,325 $ — $ — $ 5,325
Level 3 Assets Measured At Fair Value On A Non-Recurring Basis	The following table presents qualitative information for Level 3 assets measured at fair value on a non-recurring basis at December 31, 2021 (dollars in thousands): Fair Value Valuation Methodology Unobservable Inputs Range of Inputs (in thousands) Individually evaluated loans $ 3,807 Appraisals Discount for costs to sell 7.0% Discount for quick sale 10.0% Discounted cash flows Interest rates 4.88% - 6.25% Other real estate owned 100 Appraisals Discount for costs to sell 7.0% Fair Value Valuation Methodology Unobservable Inputs Range of Inputs (in thousands) Impaired loans $ 5,325 Appraisals Discount for costs to sell 7.0% Discount for quick sale 10.0% Discounted cash flows Interest rates 4.88% - 6.25%
Estimated Fair Values Of Significant Financial Instruments	The estimated fair values of the Company’s significant financial instruments at December 31, 2021 and 2020, are presented in the following tables (in thousands): December 31, 2021 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 91,068 $ 91,068 $ — $ — $ 91,068 Trading securities 13,461 13,461 — — 13,461 Debt securities available-for-sale 1,208,237 — 1,208,237 — 1,208,237 Debt securities held-to-maturity 5,283 — 5,475 — 5,475 Equity securities (1) 328 328 — — 328 FHLBNY stock, at cost 22,336 — 22,336 — 22,336 Net loans held-for-investment 3,767,644 — — 3,904,026 3,904,026 Derivative assets 923 — 923 — 923 Financial liabilities: Deposits $ 4,169,334 $ — $ 4,172,125 $ — $ 4,172,125 Borrowed funds 421,755 — 426,235 — 426,235 Advance payments by borrowers for taxes and insurance 24,909 — 24,909 — 24,909 Derivative liabilities 925 — 925 — 925 (1) Excludes investments measured at net asset value in the amount of $5.0 million at December 31, 2021, which have not been classified in the fair value hierarchy. December 31, 2020 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 87,544 $ 87,544 $ — $ — $ 87,544 Trading securities 12,291 12,291 — — 12,291 Debt securities available-for-sale 1,264,805 — 1,264,805 — 1,264,805 Debt securities held-to-maturity 7,234 — 7,574 — 7,574 Equity securities 253 253 — — 253 FHLBNY stock, at cost 28,641 — 28,641 — 28,641 Loans held-for-sale 19,895 — — 19,895 19,895 Net loans held-for-investment 3,785,631 — — 3,842,054 3,842,054 Derivative assets 1,498 — 1,498 — 1,498 Financial liabilities: Deposits $ 4,076,551 $ — $ 4,082,538 $ — $ 4,082,538 Borrowed funds 591,789 — 609,900 — 609,900 Advance payments by borrowers for taxes and insurance 19,677 — 19,677 — 19,677 Derivative liabilities 1,502 — 1,502 — 1,502

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
Earnings Per Share [Abstract]
Earnings Per Share Calculations And Reconciliation	The following is a summary of the Company’s earnings per share calculations and reconciliation of basic to diluted earnings per share for the periods indicated (in thousands, except share and per share data): December 31, 2021 2020 2019 Net income available to common stockholders $ 70,654 $ 36,988 $ 40,235 Weighted average shares outstanding-basic 48,416,495 48,721,504 46,783,442 Effect of non-vested restricted stock and stock options outstanding 337,768 64,459 380,362 Weighted average shares outstanding-diluted 48,754,263 48,785,963 47,163,804 Earnings per share-basic $ 1.46 $ 0.76 $ 0.86 Earnings per share-diluted $ 1.45 $ 0.76 $ 0.85 Anti-dilutive shares 323,466 1,972,136 546,120

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2021
Revenue from Contract with Customer [Abstract]
Schedule of Non-Interest Income	The following table summarizes non-interest income for the periods indicated (in thousands): December 31, 2021 2020 2019 Fees and service charges for customer services: Service charges $ 3,075 $ 2,356 $ 3,309 ATM and card interchange fees 1,893 1,326 1,310 Investment fees 426 285 262 Total fees and service charges for customer services 5,394 3,967 4,881 Income on bank-owned life insurance (1) 4,103 3,774 7,023 Gains on available-for-sale debt securities, net (1) 1,495 327 514 Gains on trading securities, net (1) 1,703 1,601 1,988 Gains on sale of loans (1) 1,401 665 — Other (1) 357 1,138 402 Total non-interest income $ 14,453 $ 11,472 $ 14,808 (1) Not within the scope of Topic 606

Leases (Tables)

Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Leases [Abstract]
Lease, Cost	Supplemental lease information at or for the years ended December 31, 2021 and 2020 is as follows (dollars in thousands): At or for the Year Ended December 31, 2021 December 31, 2020 December 31, 2019 Operating lease cost $ 5,797 $ 6,160 $ 6,119 Variable lease cost 4,092 3,276 2,813 Net lease cost $ 9,889 $ 9,436 $ 8,932 Cash paid for amounts included in measurement of operating lease liabilities $ 6,538 $ 6,490 $ 5,901 Right-of-use assets obtained in exchange for new operating lease liabilities $ 1,596 $ 3,568 $ 1,013 Weighted average remaining lease term (in years) 11.84 years 12.28 years 12.77 years Weighted average discount rate 3.55 % 3.60 % 3.62 %
Lessee, Operating Lease, Liability, Maturity	The following table summarizes lease payment obligations for each of the next five years and thereafter in addition to a reconcilement to the Company's current lease liability (dollars in thousands): Year Amount 2022 $ 5,923 2023 5,803 2024 5,372 2025 5,024 2026 4,253 Thereafter 24,128 Total lease payments 50,503 Less: imputed interest (10,652) Present value of lease liabilities $ 39,851

Derivatives (Tables)

Derivatives (Tables)	12 Months Ended
	Dec. 31, 2021
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Liabilities at Fair Value	The table below presents the fair value of derivatives as well as their location on the consolidated balance sheets (in thousands): Fair Value December 31, Balance Sheet Location 2021 2020 Other assets $ 923 $ 1,498 Other liabilities 925 1,502
Schedule of Derivative Assets at Fair Value	The table below presents the fair value of derivatives as well as their location on the consolidated balance sheets (in thousands): Fair Value December 31, Balance Sheet Location 2021 2020 Other assets $ 923 $ 1,498 Other liabilities 925 1,502

Parent-only Financial Informa_2

Parent-only Financial Information (Tables) - Parent Company	12 Months Ended
	Dec. 31, 2021
Condensed Balance Sheets	Northfield Bancorp, Inc. Condensed Balance Sheets December 31, 2021 2020 (in thousands) Assets Cash in Northfield Bank $ 14,411 $ 21,456 Interest-earning deposits in other financial institutions — 21 Investment in Northfield Bank 703,036 711,441 ESOP loan receivable 19,283 20,836 Other assets 3,412 474 Total assets $ 740,142 $ 754,228 Liabilities and Stockholders' Equity Total liabilities $ 259 $ 247 Total stockholders' equity 739,883 753,981 Total liabilities and stockholders' equity $ 740,142 $ 754,228
Condensed Statements of Comprehensive Income	Northfield Bancorp, Inc. Condensed Statements of Comprehensive Income Years Ended December 31, 2021 2020 2019 (in thousands) Interest on ESOP loan $ 677 $ 1,043 $ 1,263 Interest income on deposits in other financial institutions 18 129 229 Gains on securities, net — — 10 Undistributed earnings of Northfield Bank 70,956 37,544 40,012 Total income 71,651 38,716 41,514 Other expenses 831 1,647 863 Income tax expense 166 81 416 Total expenses 997 1,728 1,279 Net income $ 70,654 $ 36,988 $ 40,235 Comprehensive income: Net income $ 70,654 $ 36,988 $ 40,235 Other comprehensive (loss) income, net of tax (11,097) 8,461 13,846 Comprehensive income $ 59,557 $ 45,449 $ 54,081
Condensed Statements of Cash Flows	Northfield Bancorp, Inc. Condensed Statements of Cash Flows December 31, 2021 2020 2019 (in thousands) Cash flows from operating activities Net income $ 70,654 $ 36,988 $ 40,235 Adjustments to reconcile net income to net cash used in operating activities: Increase in other assets (4,034) (1,008) (1,073) Gains on securities, net — — (10) Increase (decrease) in other liabilities 12 (1,499) (36) Undistributed earnings of Northfield Bank (70,956) (37,544) (40,012) Net cash used in operating activities (4,324) (3,063) (896) Cash flows from investing activities Cash and cash equivalents acquired in business acquisition — 5,903 — Dividends from Northfield Bank 69,916 16,174 41,277 Net cash provided by investing activities 69,916 22,077 41,277 Cash flows from financing activities Principal payments on ESOP loan receivable 1,553 1,061 1,065 Purchase of treasury stock (53,321) (10,405) (15,815) Dividends paid (24,299) (21,476) (20,198) Exercise of stock options 3,409 175 5,770 Net cash used in financing activities (72,658) (30,645) (29,178) Net (decrease) increase in cash and cash equivalents (7,066) (11,631) 11,203 Cash and cash equivalents at beginning of year 21,477 33,108 21,905 Cash and cash equivalents at end of year $ 14,411 $ 21,477 $ 33,108

Selected Quarterly Financial _2

Selected Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2021
Parent Company
Selected Quarterly Financial Data (Unaudited)	The following tables are a summary of certain quarterly financial data for the years ended December 31, 2021 and 2020 : 2021 Quarter Ended March 31 June 30 September 30 December 31 (Dollars in thousands, except per share data) Selected Operating Data: Interest income $ 45,067 $ 43,236 $ 42,146 $ 41,849 Interest expense 4,891 4,549 3,729 3,480 Net interest income 40,176 38,687 38,417 38,369 (Benefit)/provision for credit losses (2,374) (3,701) (148) 39 Net interest income after (benefit)/provision for credit losses 42,550 42,388 38,565 38,330 Other income 2,636 4,916 2,628 4,273 Other expenses 19,563 19,871 19,035 20,690 Income before income tax expense 25,623 27,433 22,158 21,913 Income tax expense 6,946 7,639 6,078 5,810 Net income $ 18,677 $ 19,794 $ 16,080 $ 16,103 Net income per basic common share $ 0.38 $ 0.40 $ 0.33 $ 0.34 Net income per diluted common share $ 0.38 $ 0.40 $ 0.33 $ 0.34 2020 Quarter Ended March 31 June 30 September 30 December 31 (Dollars in thousands, except per share data) Selected Operating Data: Interest income $ 42,732 $ 40,911 $ 41,457 $ 43,045 Interest expense 12,799 10,681 8,849 6,008 Net interest income 29,933 30,230 32,608 37,037 Provision for loan losses 8,183 1,921 165 2,473 Net interest income after provision for loan losses 21,750 28,309 32,443 34,564 Other income 108 4,238 3,022 4,104 Other expenses 15,682 17,855 23,788 21,188 Income before income tax expense 6,176 14,692 11,677 17,480 Income tax expense 1,625 3,899 3,095 4,418 Net income $ 4,551 $ 10,793 $ 8,582 $ 13,062 Net income per basic common share $ 0.10 $ 0.23 $ 0.17 $ 0.26 Net income per diluted common share $ 0.10 $ 0.23 $ 0.17 $ 0.26

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018
Schedule Of Significant Accounting Policies [Line Items]
Allowance for estimated losses on commitments	$ 38,973	$ 37,607	$ 28,707		$ 27,497
Unfounded credit commitment	1,852	808
Operating lease right-of-use assets	33,943	36,741		$ 43,600
Operating lease liabilities	39,851	42,734		$ 47,300
Accrued interest receivable associated with debt securities available-for-sale	2,500
Ending balance: individually evaluated for impairment	9,986	13,242
Financing receivable, accrued interest receivable	$ 9,400
Threshold of membership investment component, percentage	0.125%
Threshold of membership investment component	$ 1
Activity based investment component as a percentage of outstanding advances	4.50%
Goodwill	$ 41,012	$ 41,320
ESOP repayment period (years)	30 years
Effect of non-vested restricted stock and stock options outstanding (in shares)	337,768	64,459	380,362
Cumulative Effect, Period of Adoption, Adjustment
Schedule Of Significant Accounting Policies [Line Items]
Increase in allowance for credit losses		$ 11,100
Allowance for estimated losses on commitments	$ 10,400	10,353	$ 0		$ 0
Unfounded credit commitment		737
PCD loan related reserves	$ 6,800	6,800
Non-PCD loan related reserves		$ 4,300
COVID-19
Schedule Of Significant Accounting Policies [Line Items]
Loan modification program, payment deferral period	90 days
Loan modification program, extension for payment deferral period	90 days
Loan modification program, maximum deferral period	180 days
Minimum
Schedule Of Significant Accounting Policies [Line Items]
Ending balance: individually evaluated for impairment	$ 500
Building
Schedule Of Significant Accounting Policies [Line Items]
Estimated useful lives of significant classes of assets (years)	40 years
Furniture And Equipment | Minimum
Schedule Of Significant Accounting Policies [Line Items]
Estimated useful lives of significant classes of assets (years)	5 years
Furniture And Equipment | Maximum
Schedule Of Significant Accounting Policies [Line Items]
Estimated useful lives of significant classes of assets (years)	7 years
Software
Schedule Of Significant Accounting Policies [Line Items]
Estimated useful lives of significant classes of assets (years)	3 years

Business Combinations - Additio

Business Combinations - Additional Information (Details) $ in Thousands	Jul. 01, 2020USD ($)lease_obligationbranchshares	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2021USD ($)	Jan. 01, 2019USD ($)
Business Acquisition [Line Items]
Total assets			$ 5,514,544	$ 5,430,542
Net loans held-for-investment			3,785,631	3,767,644
Deposits			4,076,551	4,169,334
Operating lease right-of-use assets			36,741	33,943	$ 43,600
Operating lease liabilities			42,734	$ 39,851	$ 47,300
Victory
Business Acquisition [Line Items]
Total assets	$ 402,800
Net loans held-for-investment	180,400
Deposits	$ 354,600
Number of branches | branch	6
Victory
Business Acquisition [Line Items]
Common stock exchange rate (shares) | shares	2.0463
Merger-related expenses			$ 4,300
Adjustment to the carrying value of goodwill		$ 304
Adjustment to deferred tax assets		$ 304
Number of lease obligations | lease_obligation	5
Operating lease right-of-use assets	$ 2,500
Operating lease liabilities	$ 2,500

Business Combinations - Fair Va

Business Combinations - Fair Value of Assets Acquired and Liabilities Assumed (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Jul. 01, 2020
Liabilities assumed:
Goodwill recorded in the merger	$ 41,012	$ 41,320
Victory
Business Acquisition [Line Items]
Total Purchase Price			$ 41,173
Assets acquired:
Cash and cash equivalents			72,875
Debt securities available-for-sale			126,931
Loans			180,431
Accrued interest receivable			1,415
Bank-owned life insurance			5,714
Premises and equipment			7,789
Other assets			5,010
Total assets acquired			400,165
Liabilities assumed:
Deposits			354,592
Other liabilities			7,001
Total liabilities assumed			361,593
Net assets acquired			38,572
Goodwill recorded in the merger			$ 2,601

Business Combinations - Summary

Business Combinations - Summary of Credit Impaired Loans Acquired (Details) - Victory $ in Thousands	Jul. 01, 2020USD ($)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Line Items]
Contractually required principal and interest	$ 7,809
Contractual cash flows not expected to be collected (non-accretable discount)	3,315
Expected cash flows to be collected at acquisition	4,494
Interest component of expected cash flows (accretable yield)	(599)
Fair value of acquired loans	$ 3,895

Debt Securities Available-for_3

Debt Securities Available-for-Sale - Comparative Summary Of Mortgage-Backed Securities And Other Securities Available-for-Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 1,205,516	$ 1,246,673
Gross unrealized gains	7,824	18,862
Gross unrealized losses	(5,103)	(730)
Estimated fair value	1,208,237	1,264,805
U.S. Government agency securities
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	2,344	3,168
Gross unrealized gains	0	0
Gross unrealized losses	(54)	(10)
Estimated fair value	2,290	3,158
Pass-through certificates | GSE
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	579,035	270,867
Gross unrealized gains	5,233	10,720
Gross unrealized losses	(2,862)	(244)
Estimated fair value	581,406	281,343
Real estate mortgage investment conduits (REMICs)
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	969,790	1,155,285
Gross unrealized gains	7,631	17,747
Gross unrealized losses	(4,305)	(720)
Estimated fair value	973,116	1,172,312
Real estate mortgage investment conduits (REMICs) | GSE
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	390,755	884,414
Gross unrealized gains	2,398	7,027
Gross unrealized losses	(1,443)	(476)
Estimated fair value	391,710	890,965
Real estate mortgage investment conduits (REMICs) | Non-GSE
Schedule of Available-for-sale Securities [Line Items]
Amortized cost		4
Gross unrealized gains		0
Gross unrealized losses		0
Estimated fair value		4
Other debt securities
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	233,382	88,220
Gross unrealized gains	193	1,115
Gross unrealized losses	(744)	0
Estimated fair value	232,831	89,335
Other debt securities | Municipal bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	71	122
Gross unrealized gains	1	1
Gross unrealized losses	0	0
Estimated fair value	72	123
Other debt securities | Corporate bonds
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	233,311	87,319
Gross unrealized gains	192	1,099
Gross unrealized losses	(744)	0
Estimated fair value	$ 232,759	88,418
Other debt securities | Asset-backed securities
Schedule of Available-for-sale Securities [Line Items]
Amortized cost		779
Gross unrealized gains		15
Gross unrealized losses		0
Estimated fair value		$ 794

Debt Securities Available-for_4

Debt Securities Available-for-Sale - Summary Of Expected Maturity Distribution Of Debt Securities Available-For-Sale, Other Than Mortgage-Backed Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized cost
Amortized cost	$ 1,205,516	$ 1,246,673
Estimated fair value
Estimated fair value	1,208,237	$ 1,264,805
Other Than Mortgage Backed Securities
Amortized cost
Due in one year or less	57,299
Due after one year through five years	161,074
Due after five years through ten years	17,353
Amortized cost	235,726
Estimated fair value
Due in one year or less	57,295
Due after one year through five years	160,835
Due after five years through ten years	16,991
Estimated fair value	$ 235,121

Debt Securities Available-for_5

Debt Securities Available-for-Sale - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)securityinstrument	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Schedule of Available-for-sale Securities [Line Items]
Carrying value of securities available-for-sale	$ 522,100	$ 542,100
Gross proceeds on sales of securities	328,966	23,628	$ 79,255
Debt securities, available-for-sale, realized gain	1,500	350	514
Debt securities, available-for-sale, realized loss	0	23	0
Debt securities, trading, realized gain (loss)	1,700	$ 1,600	$ 2,000
Accrued interest receivable associated with debt securities available-for-sale	$ 2,500
Continuous Unrealized Loss Position Less Than 12 Months | REMIC | Non-pass through certificates
Schedule of Available-for-sale Securities [Line Items]
Number of debt securities, unrealized loss position less than 12 months | security	28
GSE | REMIC
Schedule of Available-for-sale Securities [Line Items]
Number of debt securities, unrealized loss position less than 12 months | instrument	1
GSE | Continuous Unrealized Loss Position 12 Months Or Longer | REMIC
Schedule of Available-for-sale Securities [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | security	20
GSE | Continuous Unrealized Loss Position 12 Months Or Longer | REMIC | Pass-through certificates
Schedule of Available-for-sale Securities [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | security	15
GSE | Continuous Unrealized Loss Position Less Than 12 Months | REMIC | Pass-through certificates
Schedule of Available-for-sale Securities [Line Items]
Number of debt securities, unrealized loss position less than 12 months | security	27
Municipal Bonds | REMIC
Schedule of Available-for-sale Securities [Line Items]
Number of debt securities, unrealized loss position less than 12 months | instrument	21

Debt Securities Available-for_6

Debt Securities Available-for-Sale - Gross Unrealized Losses On Mortgage-Backed Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Available-for-sale Securities [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$ (4,637)	$ (719)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	689,869	242,146
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(466)	(11)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	21,328	459
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	(5,103)	(730)
Debt Securities, Available-for-sale, Unrealized Loss Position	711,197	242,605
U.S. Government agency securities
Schedule of Available-for-sale Securities [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	0	(10)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	0	3,158
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(54)	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	2,290	0
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	(54)	(10)
Debt Securities, Available-for-sale, Unrealized Loss Position	2,290	3,158
Pass-through certificates | GSE
Schedule of Available-for-sale Securities [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(2,543)	(233)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	417,291	28,419
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(318)	(11)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	14,625	459
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	(2,861)	(244)
Debt Securities, Available-for-sale, Unrealized Loss Position	431,916	28,878
REMICs | GSE
Schedule of Available-for-sale Securities [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(1,350)	(476)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	125,725	210,569
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	(94)	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	4,413	0
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	(1,444)	(476)
Debt Securities, Available-for-sale, Unrealized Loss Position	130,138	$ 210,569
Other debt securities | Corporate bonds
Schedule of Available-for-sale Securities [Line Items]
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	(744)
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months	146,853
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	0
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer	0
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	(744)
Debt Securities, Available-for-sale, Unrealized Loss Position	$ 146,853

Debt Securities Held-to-Matur_3

Debt Securities Held-to-Maturity - Summary of Mortgage-Backed Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 5,283	$ 7,234
Gross Unrealized Gains	192	340
Gross Unrealized Losses	0	0
Estimated Fair Value	5,475	7,574
Mortgage-Backed Securities, Pass-Through Certificates
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	5,283	7,234
Gross Unrealized Gains	192	340
Gross Unrealized Losses	0	0
Estimated Fair Value	$ 5,475	$ 7,574

Debt Securities Held-to-Matur_4

Debt Securities Held-to-Maturity - Additional Information (Details)	12 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)
Schedule of Investments [Abstract]
Held-to-maturity securities sold	$ 0	$ 0	$ 0
Held-to-maturity securities pledged to secure borrowings and deposits	$ 2,100,000	$ 5,900,000
Held-to-maturity securities unrealized loss position | security	0	0
Accrued interest receivable associated with held-to-maturity securities	$ 16,000

Equity Securities (Details)

Equity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Schedule of Trading Securities and Other Trading Assets [Line Items]
Equity securities	$ 5,342	$ 253
Equity securities, fair value	328	253
Money Market Funds
Schedule of Trading Securities and Other Trading Assets [Line Items]
Equity securities, fair value	328	253
SBA Loan Fund
Schedule of Trading Securities and Other Trading Assets [Line Items]
Equity securities without readily determinable fair value	$ 5,000	$ 0

Loans - Net Loans Held-for-Inve

Loans - Net Loans Held-for-Investment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	$ 3,806,617	$ 3,823,238
Allowance for credit losses	(38,973)	(37,607)	$ (28,707)	$ (27,497)
Net loans held-for-investment	3,767,644	3,785,631
Financial Asset Originated
Loans and Leases Receivable Disclosure [Line Items]
Deferred origination loan fees, net	0	4,795
Total loans held-for-investment, net	3,790,798	3,804,720
PCD/PCI Loans
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	15,819	18,518
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	3,790,798	3,804,720
Allowance for credit losses	(34,241)	(36,726)	(27,918)
Real Estate | Financial Asset Originated
Loans and Leases Receivable Disclosure [Line Items]
Loans	3,647,778	3,602,544
Real Estate | Financial Asset Originated | Multifamily
Loans and Leases Receivable Disclosure [Line Items]
Loans	2,518,065	2,509,310
Real Estate | Financial Asset Originated | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Loans	808,597	716,973
Real Estate | Financial Asset Originated | One-to-four family residential mortgage
Loans and Leases Receivable Disclosure [Line Items]
Loans	183,665	210,817
Real Estate | Financial Asset Originated | Home Equity and Lines of Credit
Loans and Leases Receivable Disclosure [Line Items]
Loans	109,956	91,126
Real Estate | Financial Asset Originated | Construction and land
Loans and Leases Receivable Disclosure [Line Items]
Loans	27,495	74,318
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	3,647,778	3,610,210
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Multifamily
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	2,518,065	2,512,934
Allowance for credit losses		(26,995)	(20,203)
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	808,597	717,566
Allowance for credit losses		(6,010)	(4,891)
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | One-to-four family residential mortgage
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	183,665	212,222
Allowance for credit losses	(3,545)	(207)	(180)
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Home Equity and Lines of Credit
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	109,956	93,137
Allowance for credit losses	(560)	(260)	(317)
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Construction and land
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	27,495	74,351
Allowance for credit losses	(169)	(1,214)	(536)
Commercial and Industrial and Other Portfolio Segment | Financial Asset Originated
Loans and Leases Receivable Disclosure [Line Items]
Loans	143,020	197,381
Commercial and Industrial | Financial Asset Originated
Loans and Leases Receivable Disclosure [Line Items]
Loans	141,005	194,352
Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	141,005	191,481
Allowance for credit losses	(3,173)	(1,842)	(1,640)
Other loans | Financial Asset Originated
Loans and Leases Receivable Disclosure [Line Items]
Loans	2,015	3,029
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment, net	2,015	3,029
Allowance for credit losses	(9)	(198)	$ (151)
Paycheck Protection Program | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Loans	$ 40,500	$ 126,500

Loans - Narrative, Net Loans He

Loans - Narrative, Net Loans Held-for-Investment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans receivable held-for-sale, amount	$ 0	$ 19,895
PCI loans	3,806,617	3,823,238
Purchased Credit-Impaired
Accounts, Notes, Loans and Financing Receivable [Line Items]
PCI loans	$ 15,819	$ 18,518
One-to-Four Family
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchased credit-impaired (PCI) loan percent	16.00%	22.00%
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchased credit-impaired (PCI) loan percent	25.00%	23.00%
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Purchased credit-impaired (PCI) loan percent	48.00%	40.00%

Loans - Loans Held-for-Investme

Loans - Loans Held-for-Investment, Excluding PCD Loans, Net of Deferred Fees and Costs (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net	$ 3,806,617	$ 3,823,238
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	975,281
2020	635,439
2019	455,817
2018	369,637
2017	316,751
Prior	915,570
Revolving Loans	122,303
Loans held-for-investment, net	3,790,798	3,804,720
Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		3,731,891
Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		24,145
Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		48,684
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	928,140
2020	624,835
2019	451,100
2018	366,700
2017	315,979
Prior	905,273
Revolving Loans	55,751
Loans held-for-investment, net	3,647,778	3,610,210
Real Estate | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	723,029
2020	525,078
2019	323,791
2018	244,093
2017	231,647
Prior	470,243
Revolving Loans	184
Loans held-for-investment, net	2,518,065	2,512,934
Real Estate | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	723,029
2020	525,078
2019	322,067
2018	238,692
2017	231,647
Prior	461,834
Revolving Loans	184
Loans held-for-investment, net	2,502,531	2,497,556
Real Estate | Multifamily | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	425
Revolving Loans	0
Loans held-for-investment, net	425	458
Real Estate | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	1,724
2018	5,401
2017	0
Prior	7,984
Revolving Loans	0
Loans held-for-investment, net	15,109	14,920
Real Estate | Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	164,684
2020	72,718
2019	105,599
2018	99,165
2017	69,699
Prior	294,143
Revolving Loans	2,589
Loans held-for-investment, net	808,597	717,566
Real Estate | Commercial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	153,803
2020	72,718
2019	97,228
2018	99,165
2017	65,750
Prior	274,195
Revolving Loans	2,589
Loans held-for-investment, net	765,448	667,568
Real Estate | Commercial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	505
2018	0
2017	1,095
Prior	8,559
Revolving Loans	0
Loans held-for-investment, net	10,159	20,422
Real Estate | Commercial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	10,881
2020	0
2019	7,866
2018	0
2017	2,854
Prior	11,389
Revolving Loans	0
Loans held-for-investment, net	32,990	29,576
Real Estate | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	12,095
2020	9,040
2019	12,228
2018	13,299
2017	10,232
Prior	125,767
Revolving Loans	1,004
Loans held-for-investment, net	183,665	212,222
Real Estate | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	12,095
2020	9,040
2019	11,244
2018	13,299
2017	10,232
Prior	120,693
Revolving Loans	1,004
Loans held-for-investment, net	177,607	207,633
Real Estate | One-to-four family residential mortgage | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	467
2018	0
2017	0
Prior	2,336
Revolving Loans	0
Loans held-for-investment, net	2,803	2,456
Real Estate | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	517
2018	0
2017	0
Prior	2,738
Revolving Loans	0
Loans held-for-investment, net	3,255	2,133
Real Estate | Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	18,449
2020	12,244
2019	7,443
2018	6,081
2017	2,592
Prior	11,653
Revolving Loans	51,494
Loans held-for-investment, net	109,956	93,137
Real Estate | Home Equity and Lines of Credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	18,449
2020	12,244
2019	7,347
2018	6,031
2017	2,592
Prior	11,162
Revolving Loans	51,494
Loans held-for-investment, net	109,319	92,385
Real Estate | Home Equity and Lines of Credit | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	0
2018	0
2017	0
Prior	103
Revolving Loans	0
Loans held-for-investment, net	103	311
Real Estate | Home Equity and Lines of Credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	96
2018	50
2017	0
Prior	388
Revolving Loans	0
Loans held-for-investment, net	534	441
Real Estate | Construction and Land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	9,883
2020	5,755
2019	2,039
2018	4,062
2017	1,809
Prior	3,467
Revolving Loans	480
Loans held-for-investment, net	27,495	74,351
Real Estate | Construction and Land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	9,883
2020	5,755
2019	2,039
2018	4,062
2017	1,809
Prior	3,467
Revolving Loans	480
Loans held-for-investment, net	27,495	74,351
Real Estate | Construction and Land | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		0
Real Estate | Construction and Land | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		0
Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	45,426
2020	10,448
2019	4,698
2018	2,911
2017	772
Prior	10,248
Revolving Loans	66,502
Loans held-for-investment, net	141,005	191,481
Commercial and Industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	45,426
2020	10,087
2019	4,378
2018	2,316
2017	640
Prior	9,298
Revolving Loans	61,728
Loans held-for-investment, net	133,873	189,372
Commercial and Industrial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	0
2019	166
2018	0
2017	132
Prior	224
Revolving Loans	50
Loans held-for-investment, net	572	498
Commercial and Industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	0
2020	361
2019	154
2018	595
2017	0
Prior	726
Revolving Loans	4,724
Loans held-for-investment, net	6,560	1,611
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,715
2020	156
2019	19
2018	26
2017	0
Prior	49
Revolving Loans	50
Loans held-for-investment, net	2,015	3,029
Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
2021	1,715
2020	156
2019	19
2018	26
2017	0
Prior	49
Revolving Loans	50
Loans held-for-investment, net	$ 2,015	3,026
Other loans | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		0
Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Losses [Line Items]
Loans held-for-investment, net		$ 3

Loans - Investment of Originate

Loans - Investment of Originated Loans Held-for-Investment by Loan Type and Credit Quality Indicator (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	$ 3,806,617	$ 3,823,238
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	3,790,798	3,804,720
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	3,647,778	3,610,210
Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	141,005	191,481
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	2,015	3,029
Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		3,731,891
Pass | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	133,873	189,372
Pass | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	2,015	3,026
Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		24,145
Special Mention | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	572	498
Special Mention | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		0
Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		48,684
Substandard | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	6,560	1,611
Substandard | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		3
Multifamily | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	2,518,065	2,512,934
Multifamily | Pass | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	2,502,531	2,497,556
Multifamily | Special Mention | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	425	458
Multifamily | Substandard | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	15,109	14,920
Commercial | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	808,597	717,566
Commercial | Pass | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	765,448	667,568
Commercial | Special Mention | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	10,159	20,422
Commercial | Substandard | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	32,990	29,576
One-to-Four Family | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	183,665	212,222
One-to-Four Family | Pass | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	177,607	207,633
One-to-Four Family | Special Mention | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	2,803	2,456
One-to-Four Family | Substandard | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	3,255	2,133
Home Equity and Lines of Credit | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	109,956	93,137
Home Equity and Lines of Credit | Pass | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	109,319	92,385
Home Equity and Lines of Credit | Special Mention | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	103	311
Home Equity and Lines of Credit | Substandard | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	534	441
Construction and Land | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	27,495	74,351
Construction and Land | Pass | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net	$ 27,495	74,351
Construction and Land | Special Mention | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		0
Construction and Land | Substandard | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Recorded Investment [Line Items]
Total loans held-for-investment, net		$ 0

Loans - Narrative, Past Due and

Loans - Narrative, Past Due and Non-Accrual Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Investment in non accrual loans	$ 7,600	$ 8,500
Delinquent status classification term	90 days	90 days
Principal balance of loans on non accrual status	$ 500
Impairment of loans	4,200	$ 5,500
Loans on non accrual status with principal balances below threshold definition of an impaired loan	3,400	3,000
Loans past 90 days and still accruing	384	1,100
Loans receivable held-for-sale, amount	0	19,895
Impaired loans not written down by charge-offs		$ 7,800
Minimum
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal balance of loans on non accrual status	$ 500

Loans - Details and Delinquency

Loans - Details and Delinquency Status of Nonperforming Loans (detail, and delinquency status, of non-performing loans (Non-Accrual Loans and Loans Past Due 90 Days or More and Still Accruing) (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	$ 3,806,617	$ 3,823,238
Non-accrual loans	7,622
90 Days or More Past Due and Accruing	384	1,100
Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	1,882
Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	5,117
Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	314
Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	281
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	28
Non-Performing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	8,006	9,629
Non-accrual loans	7,622	8,516
90 Days or More Past Due and Accruing	384	1,113
Non-Performing Loans | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	7,906	9,153
Non-accrual loans	7,594	8,479
90 Days or More Past Due and Accruing	312	674
Non-Performing Loans | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,882	1,153
Non-accrual loans	1,882	1,153
90 Days or More Past Due and Accruing	0	0
Non-Performing Loans | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	5,264	6,729
Non-accrual loans	5,117	6,229
90 Days or More Past Due and Accruing	147	500
Non-Performing Loans | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	479	1,080
Non-accrual loans	314	906
90 Days or More Past Due and Accruing	165	174
Non-Performing Loans | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	281	191
Non-accrual loans	281	191
90 Days or More Past Due and Accruing	0	0
Non-Performing Loans | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	100	473
Non-accrual loans	28	37
90 Days or More Past Due and Accruing	72	436
Non-Performing Loans | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		3
Non-accrual loans		0
90 Days or More Past Due and Accruing		3
Non-Performing Loans | Substandard | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,882	1,153
Non-accrual loans	1,882	1,153
90 Days or More Past Due and Accruing	0	0
Non-Performing Loans | Substandard | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	4,984	6,229
Non-accrual loans	4,837	6,229
90 Days or More Past Due and Accruing	147	0
Non-Performing Loans | Substandard | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	479	1,080
Non-accrual loans	314	906
90 Days or More Past Due and Accruing	165	174
Non-Performing Loans | Substandard | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	281	191
Non-accrual loans	281	191
90 Days or More Past Due and Accruing	0	0
Non-Performing Loans | Substandard | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	28	287
Non-accrual loans	28	37
90 Days or More Past Due and Accruing	0	250
Non-Performing Loans | Special Mention | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280
Non-accrual loans	280
90 Days or More Past Due and Accruing	0
Non-Performing Loans | Special Mention | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		85
Non-accrual loans		0
90 Days or More Past Due and Accruing		85
Non-Performing Loans | Pass | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		500
Non-accrual loans		0
90 Days or More Past Due and Accruing		500
Non-Performing Loans | Pass | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	72	101
Non-accrual loans	0	0
90 Days or More Past Due and Accruing	72	101
Non-Performing Loans | Pass | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		3
Non-accrual loans		0
90 Days or More Past Due and Accruing		3
Non-Performing Loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,972	3,302
Non-Performing Loans | Current | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,944	3,302
Non-Performing Loans | Current | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | Current | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,944	2,829
Non-Performing Loans | Current | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	413
Non-Performing Loans | Current | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	60
Non-Performing Loans | Current | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	28	0
Non-Performing Loans | Current | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | Current | Substandard | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | Current | Substandard | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,944	2,829
Non-Performing Loans | Current | Substandard | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	413
Non-Performing Loans | Current | Substandard | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	60
Non-Performing Loans | Current | Substandard | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	28	0
Non-Performing Loans | Current | Special Mention | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0
Non-Performing Loans | Current | Special Mention | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | Current | Pass | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | Current | Pass | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | Current | Pass | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 30-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	537
Non-Performing Loans | 30-89 Days Past Due | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	537
Non-Performing Loans | 30-89 Days Past Due | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	0
Non-Performing Loans | 30-89 Days Past Due | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	537
Non-Performing Loans | 30-89 Days Past Due | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	537
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Special Mention | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0
Non-Performing Loans | 30-89 Days Past Due | Special Mention | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 30-89 Days Past Due | Pass | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 30-89 Days Past Due | Pass | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Non-Performing Loans | 30-89 Days Past Due | Pass | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	4,370	4,677
Non-Performing Loans | 90 Days or More Past Due | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	4,370	4,640
Non-Performing Loans | 90 Days or More Past Due | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,602	1,153
Non-Performing Loans | 90 Days or More Past Due | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,173	2,863
Non-Performing Loans | 90 Days or More Past Due | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	314	493
Non-Performing Loans | 90 Days or More Past Due | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	281	131
Non-Performing Loans | 90 Days or More Past Due | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	37
Non-Performing Loans | 90 Days or More Past Due | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real Estate | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,602	1,153
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,893	2,863
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real Estate | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	314	493
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real Estate | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	281	131
Non-Performing Loans | 90 Days or More Past Due | Substandard | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	37
Non-Performing Loans | 90 Days or More Past Due | Special Mention | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280
Non-Performing Loans | 90 Days or More Past Due | Special Mention | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 90 Days or More Past Due | Pass | Real Estate | Commercial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Non-Performing Loans | 90 Days or More Past Due | Pass | Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	$ 0	0
Non-Performing Loans | 90 Days or More Past Due | Pass | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		$ 0

Loans - Detail and Delinquency

Loans - Detail and Delinquency Status of Loans Held-for-Investment, Excluding PCD/PCI Loans, Net (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	$ 3,806,617	$ 3,823,238
90 Days or More Past Due and Accruing	384	1,100
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	3,790,798	3,804,720
90 Days or More Past Due and Accruing	384	1,113
Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		3,731,891
Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		24,145
Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		48,684
Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	3,647,778	3,610,210
90 Days or More Past Due and Accruing	312	674
Real Estate | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,518,065	2,512,934
90 Days or More Past Due and Accruing	0	0
Real Estate | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,502,531	2,497,556
90 Days or More Past Due and Accruing	0	0
Real Estate | Multifamily | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	425	458
90 Days or More Past Due and Accruing	0	0
Real Estate | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	15,109	14,920
90 Days or More Past Due and Accruing	0	0
Real Estate | Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	808,597	717,566
90 Days or More Past Due and Accruing	147	500
Real Estate | Commercial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	765,448	667,568
90 Days or More Past Due and Accruing	0	500
Real Estate | Commercial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	10,159	20,422
90 Days or More Past Due and Accruing	0	0
Real Estate | Commercial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	32,990	29,576
90 Days or More Past Due and Accruing	147	0
Real Estate | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	183,665	212,222
90 Days or More Past Due and Accruing	165	174
Real Estate | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	177,607	207,633
90 Days or More Past Due and Accruing	0	0
Real Estate | One-to-four family residential mortgage | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,803	2,456
90 Days or More Past Due and Accruing	0	0
Real Estate | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	3,255	2,133
90 Days or More Past Due and Accruing	165	174
Real Estate | Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	109,956	93,137
90 Days or More Past Due and Accruing	0	0
Real Estate | Home Equity and Lines of Credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	109,319	92,385
90 Days or More Past Due and Accruing	0	0
Real Estate | Home Equity and Lines of Credit | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	103	311
90 Days or More Past Due and Accruing	0	0
Real Estate | Home Equity and Lines of Credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	534	441
90 Days or More Past Due and Accruing	0	0
Real Estate | Construction and land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	27,495	74,351
90 Days or More Past Due and Accruing	0	0
Real Estate | Construction and land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	27,495	74,351
90 Days or More Past Due and Accruing	0	0
Real Estate | Construction and land | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Real Estate | Construction and land | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	141,005	191,481
90 Days or More Past Due and Accruing	72	436
Commercial and Industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	133,873	189,372
90 Days or More Past Due and Accruing	72	101
Commercial and Industrial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	572	498
90 Days or More Past Due and Accruing	0	85
Commercial and Industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	6,560	1,611
90 Days or More Past Due and Accruing	0	250
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,015	3,029
90 Days or More Past Due and Accruing	0	3
Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,015	3,026
90 Days or More Past Due and Accruing	0	3
Other loans | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		3
90 Days or More Past Due and Accruing		0
30-89 Days Past Due | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,446	14,519
30-89 Days Past Due | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,429	13,748
30-89 Days Past Due | Real Estate | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	1,893
30-89 Days Past Due | Real Estate | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	1,283
30-89 Days Past Due | Real Estate | Multifamily | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
30-89 Days Past Due | Real Estate | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	610
30-89 Days Past Due | Real Estate | Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	144	9,329
30-89 Days Past Due | Real Estate | Commercial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	77	6,072
30-89 Days Past Due | Real Estate | Commercial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	67	72
30-89 Days Past Due | Real Estate | Commercial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	3,185
30-89 Days Past Due | Real Estate | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	593	1,152
30-89 Days Past Due | Real Estate | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	206	282
30-89 Days Past Due | Real Estate | One-to-four family residential mortgage | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	387	870
30-89 Days Past Due | Real Estate | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
30-89 Days Past Due | Real Estate | Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	412	380
30-89 Days Past Due | Real Estate | Home Equity and Lines of Credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	316	80
30-89 Days Past Due | Real Estate | Home Equity and Lines of Credit | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	200
30-89 Days Past Due | Real Estate | Home Equity and Lines of Credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	96	100
30-89 Days Past Due | Real Estate | Construction and land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	994
30-89 Days Past Due | Real Estate | Construction and land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	994
30-89 Days Past Due | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2	760
30-89 Days Past Due | Commercial and Industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2	632
30-89 Days Past Due | Commercial and Industrial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	61
30-89 Days Past Due | Commercial and Industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	67
30-89 Days Past Due | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	15	11
30-89 Days Past Due | Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	15	11
30-89 Days Past Due | Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
90 Days or More Past Due | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	4,370	4,677
90 Days or More Past Due | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	4,370	4,640
90 Days or More Past Due | Real Estate | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,602	1,153
90 Days or More Past Due | Real Estate | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | Multifamily | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,602	1,153
90 Days or More Past Due | Real Estate | Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,173	2,863
90 Days or More Past Due | Real Estate | Commercial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | Commercial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	280	0
90 Days or More Past Due | Real Estate | Commercial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,893	2,863
90 Days or More Past Due | Real Estate | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	314	493
90 Days or More Past Due | Real Estate | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | One-to-four family residential mortgage | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	314	493
90 Days or More Past Due | Real Estate | Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	281	131
90 Days or More Past Due | Real Estate | Home Equity and Lines of Credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | Home Equity and Lines of Credit | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | Home Equity and Lines of Credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	281	131
90 Days or More Past Due | Real Estate | Construction and land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Real Estate | Construction and land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	37
90 Days or More Past Due | Commercial and Industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Commercial and Industrial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Commercial and Industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	37
90 Days or More Past Due | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
90 Days or More Past Due | Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Total Past Due | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	6,200	20,309
Total Past Due | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	6,111	19,062
Total Past Due | Real Estate | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,882	3,046
Total Past Due | Real Estate | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	1,283
Total Past Due | Real Estate | Multifamily | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	0
Total Past Due | Real Estate | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,882	1,763
Total Past Due | Real Estate | Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,464	12,692
Total Past Due | Real Estate | Commercial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	77	6,572
Total Past Due | Real Estate | Commercial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	347	72
Total Past Due | Real Estate | Commercial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,040	6,048
Total Past Due | Real Estate | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	1,072	1,819
Total Past Due | Real Estate | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	206	282
Total Past Due | Real Estate | One-to-four family residential mortgage | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	387	870
Total Past Due | Real Estate | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	479	667
Total Past Due | Real Estate | Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	693	511
Total Past Due | Real Estate | Home Equity and Lines of Credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	316	80
Total Past Due | Real Estate | Home Equity and Lines of Credit | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	200
Total Past Due | Real Estate | Home Equity and Lines of Credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	377	231
Total Past Due | Real Estate | Construction and land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	994
Total Past Due | Real Estate | Construction and land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	994
Total Past Due | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	74	1,233
Total Past Due | Commercial and Industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	74	733
Total Past Due | Commercial and Industrial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	146
Total Past Due | Commercial and Industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	0	354
Total Past Due | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	15	14
Total Past Due | Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	15	14
Total Past Due | Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		0
Current | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	3,784,598	3,784,411
Current | Real Estate | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	3,641,667	3,591,148
Current | Real Estate | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,516,183	2,509,888
Current | Real Estate | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,502,531	2,496,273
Current | Real Estate | Multifamily | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	425	458
Current | Real Estate | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	13,227	13,157
Current | Real Estate | Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	806,133	704,874
Current | Real Estate | Commercial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	765,371	660,996
Current | Real Estate | Commercial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	9,812	20,350
Current | Real Estate | Commercial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	30,950	23,528
Current | Real Estate | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	182,593	210,403
Current | Real Estate | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	177,401	207,351
Current | Real Estate | One-to-four family residential mortgage | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,416	1,586
Current | Real Estate | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,776	1,466
Current | Real Estate | Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	109,263	92,626
Current | Real Estate | Home Equity and Lines of Credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	109,003	92,305
Current | Real Estate | Home Equity and Lines of Credit | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	103	111
Current | Real Estate | Home Equity and Lines of Credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	157	210
Current | Real Estate | Construction and land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	27,495	73,357
Current | Real Estate | Construction and land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	27,495	73,357
Current | Commercial and Industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	140,931	190,248
Current | Commercial and Industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	133,799	188,639
Current | Commercial and Industrial | Special Mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	572	352
Current | Commercial and Industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	6,560	1,257
Current | Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	2,000	3,015
Current | Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net	$ 2,000	3,012
Current | Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment, net		$ 3

Loans - Non-Accrual Loans, Excl

Loans - Non-Accrual Loans, Excluding PCD Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded Investment	$ 7,622
Unpaid Principal Balance	8,743
With No Related Allowance	4,241
Interest Income	175
Real Estate | Multifamily
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded Investment	1,882
Unpaid Principal Balance	1,891
With No Related Allowance	512
Interest Income	70
Real Estate | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded Investment	5,117
Unpaid Principal Balance	5,627
With No Related Allowance	3,729
Interest Income	85
Real Estate | One-to-Four Family
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded Investment	314
Unpaid Principal Balance	346
With No Related Allowance	0
Interest Income	10
Real Estate | Home Equity and Lines of Credit
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded Investment	281
Unpaid Principal Balance	530
With No Related Allowance	0
Interest Income	2
Commercial and Industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Recorded Investment	28
Unpaid Principal Balance	349
With No Related Allowance	0
Interest Income	$ 8

Loans - Impaired Loans, Excludi

Loans - Impaired Loans, Excluding PCI Loans (Details) $ in Thousands	Dec. 31, 2020USD ($)
Recorded Investment
Impaired Financing Receivable, Recorded Investment, Total	$ 13,242
Unpaid Principal Balance
Unpaid Principal Balance	15,512
Related Allowance	(73)
Real Estate
Recorded Investment
With No Allowance Recorded	11,382
With a Related Allowance Recorded	1,844
Unpaid Principal Balance
With No Allowance Recorded	13,220
With a Related Allowance Recorded	2,276
Related Allowance	(69)
Real Estate | Multifamily
Recorded Investment
With No Allowance Recorded	626
Impaired Financing Receivable, Recorded Investment, Total	626
Unpaid Principal Balance
With No Allowance Recorded	1,097
Unpaid Principal Balance	1,097
Related Allowance	0
Real Estate | Commercial
Recorded Investment
With No Allowance Recorded	8,838
With a Related Allowance Recorded	1,812
Impaired Financing Receivable, Recorded Investment, Total	10,650
Unpaid Principal Balance
With No Allowance Recorded	10,076
With a Related Allowance Recorded	2,244
Unpaid Principal Balance	12,320
Related Allowance	(66)
Real Estate | One-to-four family residential mortgage
Recorded Investment
With No Allowance Recorded	1,903
Impaired Financing Receivable, Recorded Investment, Total	1,903
Unpaid Principal Balance
With No Allowance Recorded	2,032
Unpaid Principal Balance	2,032
Related Allowance	0
Real Estate | Home equity and lines of credit
Recorded Investment
With No Allowance Recorded	15
With a Related Allowance Recorded	32
Impaired Financing Receivable, Recorded Investment, Total	47
Unpaid Principal Balance
With No Allowance Recorded	15
With a Related Allowance Recorded	32
Unpaid Principal Balance	47
Related Allowance	(3)
Commercial and Industrial
Recorded Investment
With a Related Allowance Recorded	16
Impaired Financing Receivable, Recorded Investment, Total	16
Unpaid Principal Balance
With a Related Allowance Recorded	16
Unpaid Principal Balance	16
Related Allowance	$ (4)

Loans - Average Recorded Invest

Loans - Average Recorded Investment in Impaired Loans, Excluding PCI Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)
Average Recorded Investment
Average Recorded Investment	$ 18,817
Interest Income
Interest Income	654
Real Estate | Multifamily
Average Recorded Investment
Average Recorded Investment With No Allowance Recorded	808
Average Recorded Investment	808
Interest Income
Interest Income With No Allowance Recorded	50
Interest Income	50
Real Estate | Commercial
Average Recorded Investment
Average Recorded Investment With No Allowance Recorded	13,299
With a Related Allowance Recorded	2,374
Average Recorded Investment	15,673
Interest Income
Interest Income With No Allowance Recorded	400
Interest Income With a Related Allowance Recorded	107
Interest Income	507
Real Estate | One-to-four family residential mortgage
Average Recorded Investment
Average Recorded Investment With No Allowance Recorded	2,134
With a Related Allowance Recorded	104
Average Recorded Investment	2,238
Interest Income
Interest Income With No Allowance Recorded	94
Interest Income With a Related Allowance Recorded	0
Interest Income	94
Real Estate | Home Equity and Lines of Credit
Average Recorded Investment
Average Recorded Investment With No Allowance Recorded	19
With a Related Allowance Recorded	32
Average Recorded Investment	51
Interest Income
Interest Income With No Allowance Recorded	1
Interest Income With a Related Allowance Recorded	1
Interest Income	2
Commercial and Industrial
Average Recorded Investment
Average Recorded Investment With No Allowance Recorded	30
With a Related Allowance Recorded	17
Average Recorded Investment	47
Interest Income
Interest Income With No Allowance Recorded	0
Interest Income With a Related Allowance Recorded	1
Interest Income	$ 1

Loans - Narrative, Collateral-D

Loans - Narrative, Collateral-Dependent Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent impaired loans	$ 7,400	$ 10,200
Real Estate | Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent impaired loans	5,900
Real Estate | Multifamily
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent impaired loans	1,100
Real Estate | One-to-Four Family
Financing Receivable, Allowance for Credit Losses [Line Items]
Collateral-dependent impaired loans	$ 365

Loans - Troubled Debt Restructu

Loans - Troubled Debt Restructuring Loans (Details)	12 Months Ended
	Dec. 31, 2021USD ($)borrowerloan	Dec. 31, 2020USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2020USD ($)loan	Dec. 31, 2020USD ($)contract	Dec. 31, 2020USD ($)borrower
Financing Receivable, Modifications [Line Items]
Number of Relationships	2			4	3
Pre-Modification Outstanding Recorded Investment	$ 96,000		$ 731,000
Post-Modification Outstanding Recorded Investment	$ 96,000		731,000
Number of borrowers | borrower	2					3
Net loans held-for-investment	$ 3,767,644,000	$ 3,785,631,000	3,785,631,000	$ 3,785,631,000	$ 3,785,631,000	$ 3,785,631,000
Troubled debt restructurings	$ 9,000,000	$ 12,100,000	12,100,000	$ 12,100,000	$ 12,100,000	$ 12,100,000
Number of loans modified as TDR that subsequently defaulted | loan	0
Delinquent status classification term	90 days	90 days
COVID-19
Financing Receivable, Modifications [Line Items]
Number of Relationships | loan				4
Number of borrowers | borrower	2
Loan modification program, payment deferral period	90 days
Loan modification program, extension for payment deferral period	90 days
Net loans held-for-investment	$ 774,000
Residential
Financing Receivable, Modifications [Line Items]
Number of Relationships | loan	2
Pre-Modification Outstanding Recorded Investment	$ 96,000
Post-Modification Outstanding Recorded Investment	$ 96,000
One-to-four family residential mortgage
Financing Receivable, Modifications [Line Items]
Number of Relationships | contract					1
Pre-Modification Outstanding Recorded Investment			187,000
Post-Modification Outstanding Recorded Investment			187,000
Commercial Mortgage Backed Securities
Financing Receivable, Modifications [Line Items]
Number of Relationships	4				2
Pre-Modification Outstanding Recorded Investment			544,000
Post-Modification Outstanding Recorded Investment			544,000
Number of loans modified as TDR that subsequently defaulted | loan				2
Defaulted troubled debt restructuring loans			$ 462,500
Delinquent status classification term		90 days

Allowance for Credit Losses (_3

Allowance for Credit Losses (“ACL”) on Loans - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit loss	$ 38,973,000	$ 37,607,000	$ 28,707,000	$ 27,497,000
Financing receivable, accrued interest receivable	9,400,000
Individually evaluated for impairment threshold	500,000
Individually evaluated for impairment	30,200	73,000
Accounting Standards Update 2016-13
Financing Receivable, Allowance for Credit Losses [Line Items]
Increase in allowance for credit loss	39,000,000	37,600,000
Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for credit loss	10,400,000	10,353,000	$ 0	$ 0
PCD loan related reserves	$ 6,800,000	$ 6,800,000

Allowance for Credit Losses (_4

Allowance for Credit Losses (“ACL”) on Loans - Allowance for Credit Losses for Off-Balance Sheet Credit (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	$ 808
Provision for credit losses	307
Ending balance	1,852
Cumulative Effect, Period of Adoption, Adjustment
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	737
Cumulative Effect, Period of Adoption, Adjusted Balance
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	$ 1,545

Allowance for Credit Losses (_5

Allowance for Credit Losses (“ACL”) on Loans - Changes in Allowance For Credit Losses (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				$ 37,607				$ 28,707	$ 37,607	$ 28,707	$ 27,497
(Benefit)/provision for credit losses	$ 39	$ (148)	$ (3,701)	(2,374)	$ 2,473	$ 165	$ 1,921	8,183	(6,184)	12,742	22
Recoveries									278	465	2,175
Charge-offs									(3,081)	(4,307)	(987)
Ending Balance	38,973				37,607				38,973	37,607	28,707
Cumulative Effect, Period of Adoption, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				10,353				0	10,353	0	0
Ending Balance	$ 10,400				10,353				10,400	10,353	0
Cumulative Effect, Period of Adoption, Adjusted Balance
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning Balance				$ 47,960				$ 28,707	$ 47,960	28,707	27,497
Ending Balance					$ 47,960					$ 47,960	$ 28,707

Allowance for Credit Losses (_6

Allowance for Credit Losses (“ACL”) on Loans - Amount of Loans Receivable Held-for-Investment and Related Allowances Per Loan Portfolio Segment (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				$ 37,607,000				$ 28,707,000	$ 37,607,000	$ 28,707,000	$ 27,497,000
Charge-offs									(3,081,000)	(4,307,000)	(987,000)
Recoveries									278,000	465,000	2,175,000
Provisions (credit)	$ 39,000	$ (148,000)	$ (3,701,000)	(2,374,000)	$ 2,473,000	$ 165,000	$ 1,921,000	8,183,000	(6,184,000)	12,742,000	22,000
Ending Balance	38,973,000				37,607,000				38,973,000	37,607,000	28,707,000
Originated Loans Net
Ending balance: individually evaluated for impairment	30,200				73,000				30,200	73,000
Ending balance: collectively evaluated for impairment	34,211,000				37,534,000				34,211,000	37,534,000
Ending balance: PCD loans evaluated for impairment	4,732,000								4,732,000
Loans held-for-investment, net	3,806,617,000				3,823,238,000				3,806,617,000	3,823,238,000
Ending balance: individually evaluated for impairment	9,986,000				13,242,000				9,986,000	13,242,000
Ending balance: collectively evaluated for impairment	3,740,295,000				3,683,461,000				3,740,295,000	3,683,461,000
Ending balance: PCD loans evaluated for impairment	15,819,000								15,819,000
PPP loans not evaluated for impairment	40,517,000				126,535,000				40,517,000	126,535,000
Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				10,353,000				0	10,353,000	0	0
Ending Balance	10,400,000				10,353,000				10,400,000	10,353,000	0
Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				47,960,000				28,707,000	47,960,000	28,707,000	27,497,000
Ending Balance					47,960,000					47,960,000	28,707,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				36,726,000				27,918,000	36,726,000	27,918,000
Charge-offs									(670,000)	(4,307,000)
Recoveries									159,000	465,000
Provisions (credit)									(5,515,000)	12,650,000
Ending Balance	34,241,000				36,726,000				34,241,000	36,726,000	27,918,000
Originated Loans Net
Ending balance: individually evaluated for impairment	30,000				73,000				30,000	73,000
Ending balance: collectively evaluated for impairment	34,211,000				36,653,000				34,211,000	36,653,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	3,790,798,000				3,804,720,000				3,790,798,000	3,804,720,000
Ending balance: individually evaluated for impairment	9,986,000				13,242,000				9,986,000	13,242,000
Ending balance: collectively evaluated for impairment	3,740,295,000				3,664,943,000				3,740,295,000	3,664,943,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	40,517,000				126,535,000				40,517,000	126,535,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Originated Loans Net
Loans held-for-investment, net	3,647,778,000				3,610,210,000				3,647,778,000	3,610,210,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial and Industrial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				1,842,000				1,640,000	1,842,000	1,640,000
Charge-offs									(646,000)	(94,000)
Recoveries									39,000	13,000
Provisions (credit)									991,000	283,000
Ending Balance	3,173,000				1,842,000				3,173,000	1,842,000	1,640,000
Originated Loans Net
Ending balance: individually evaluated for impairment	1,000				4,000				1,000	4,000
Ending balance: collectively evaluated for impairment	3,172,000				1,838,000				3,172,000	1,838,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	141,005,000				191,481,000				141,005,000	191,481,000
Ending balance: individually evaluated for impairment	34,000				16,000				34,000	16,000
Ending balance: collectively evaluated for impairment	100,454,000				64,930,000				100,454,000	64,930,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	40,517,000				126,535,000				40,517,000	126,535,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Other loans
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				198,000				151,000	198,000	151,000
Charge-offs									(3,000)	0
Recoveries									5,000	6,000
Provisions (credit)									(3,000)	41,000
Ending Balance	9,000				198,000				9,000	198,000	151,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0				0				0	0
Ending balance: collectively evaluated for impairment	9,000				198,000				9,000	198,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	2,015,000				3,029,000				2,015,000	3,029,000
Ending balance: individually evaluated for impairment	0				0				0	0
Ending balance: collectively evaluated for impairment	2,015,000				3,029,000				2,015,000	3,029,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	0				0				0	0
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				3,541,000					3,541,000
Ending Balance					3,541,000					3,541,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment | Commercial and Industrial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				947,000					947,000
Ending Balance					947,000					947,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment | Other loans
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				(188,000)					(188,000)
Ending Balance					(188,000)					(188,000)
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				40,267,000					40,267,000
Ending Balance					40,267,000					40,267,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance | Commercial and Industrial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				2,789,000					2,789,000
Ending Balance					2,789,000					2,789,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance | Other loans
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				10,000					10,000
Ending Balance					10,000					10,000
Purchased Credit-Impaired
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				881,000				789,000	881,000	789,000
Charge-offs									(2,411,000)	0
Recoveries									119,000	0
Provisions (credit)									(669,000)	92,000
Ending Balance	4,732,000				881,000				4,732,000	881,000	789,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0				0				0	0
Ending balance: collectively evaluated for impairment	0				881,000				0	881,000
Ending balance: PCD loans evaluated for impairment	4,732,000								4,732,000
Loans held-for-investment, net	15,819,000				18,518,000				15,819,000	18,518,000
Ending balance: individually evaluated for impairment	0				0				0	0
Ending balance: collectively evaluated for impairment	0				18,518,000				0	18,518,000
Ending balance: PCD loans evaluated for impairment	15,819,000								15,819,000
PPP loans not evaluated for impairment	0				0				0	0
Purchased Credit-Impaired | Cumulative Effect, Period of Adoption, Adjustment
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				6,812,000					6,812,000
Ending Balance					6,812,000					6,812,000
Purchased Credit-Impaired | Cumulative Effect, Period of Adoption, Adjusted Balance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				7,693,000					7,693,000
Ending Balance					7,693,000					7,693,000
Commercial and multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				33,005,000					33,005,000
Charge-offs									0
Recoveries									60,000
Provisions (credit)									(4,331,000)
Ending Balance	26,785,000				33,005,000				26,785,000	33,005,000
Originated Loans Net
Ending balance: individually evaluated for impairment	25,000								25,000
Ending balance: collectively evaluated for impairment	26,760,000								26,760,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	3,326,662,000								3,326,662,000
Ending balance: individually evaluated for impairment	8,352,000								8,352,000
Ending balance: collectively evaluated for impairment	3,318,310,000								3,318,310,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	0								0
Commercial and multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				(1,949,000)					(1,949,000)
Ending Balance					(1,949,000)					(1,949,000)
Commercial and multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				31,056,000					31,056,000
Ending Balance					31,056,000					31,056,000
Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				6,010,000				4,891,000	6,010,000	4,891,000
Charge-offs										(4,213,000)
Recoveries										414,000
Provisions (credit)										4,918,000
Ending Balance					6,010,000					6,010,000	4,891,000
Originated Loans Net
Ending balance: individually evaluated for impairment					66,000					66,000
Ending balance: collectively evaluated for impairment					5,944,000					5,944,000
Loans held-for-investment, net	808,597,000				717,566,000				808,597,000	717,566,000
Ending balance: individually evaluated for impairment					10,650,000					10,650,000
Ending balance: collectively evaluated for impairment					706,916,000					706,916,000
PPP loans not evaluated for impairment					0					0
Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				26,995,000				20,203,000	26,995,000	20,203,000
Charge-offs										0
Recoveries										0
Provisions (credit)										6,792,000
Ending Balance					26,995,000					26,995,000	20,203,000
Originated Loans Net
Ending balance: individually evaluated for impairment					0					0
Ending balance: collectively evaluated for impairment					26,995,000					26,995,000
Loans held-for-investment, net	2,518,065,000				2,512,934,000				2,518,065,000	2,512,934,000
Ending balance: individually evaluated for impairment					626,000					626,000
Ending balance: collectively evaluated for impairment					2,512,308,000					2,512,308,000
PPP loans not evaluated for impairment					0					0
One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				207,000				180,000	207,000	180,000
Charge-offs									(21,000)	0
Recoveries									29,000	5,000
Provisions (credit)									(1,903,000)	22,000
Ending Balance	3,545,000				207,000				3,545,000	207,000	180,000
Originated Loans Net
Ending balance: individually evaluated for impairment	2,000				0				2,000	0
Ending balance: collectively evaluated for impairment	3,543,000				207,000				3,543,000	207,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	183,665,000				212,222,000				183,665,000	212,222,000
Ending balance: individually evaluated for impairment	1,562,000				1,903,000				1,562,000	1,903,000
Ending balance: collectively evaluated for impairment	182,103,000				210,319,000				182,103,000	210,319,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	0				0				0	0
One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				5,233,000					5,233,000
Ending Balance					5,233,000					5,233,000
One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				5,440,000					5,440,000
Ending Balance					5,440,000					5,440,000
Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				260,000				317,000	260,000	317,000
Charge-offs									0	0
Recoveries									26,000	27,000
Provisions (credit)									(145,000)	(84,000)
Ending Balance	560,000				260,000				560,000	260,000	317,000
Originated Loans Net
Ending balance: individually evaluated for impairment	2,000				3,000				2,000	3,000
Ending balance: collectively evaluated for impairment	558,000				257,000				558,000	257,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	109,956,000				93,137,000				109,956,000	93,137,000
Ending balance: individually evaluated for impairment	38,000				47,000				38,000	47,000
Ending balance: collectively evaluated for impairment	109,918,000				93,090,000				109,918,000	93,090,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	0				0				0	0
Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				419,000					419,000
Ending Balance					419,000					419,000
Home Equity and Lines of Credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				679,000					679,000
Ending Balance					679,000					679,000
Construction and Land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				1,214,000				$ 536,000	1,214,000	536,000
Charge-offs									0	0
Recoveries									0	0
Provisions (credit)									(124,000)	678,000
Ending Balance	169,000				1,214,000				169,000	1,214,000	$ 536,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0				0				0	0
Ending balance: collectively evaluated for impairment	169,000				1,214,000				169,000	1,214,000
Ending balance: PCD loans evaluated for impairment	0								0
Loans held-for-investment, net	27,495,000				74,351,000				27,495,000	74,351,000
Ending balance: individually evaluated for impairment	0				0				0	0
Ending balance: collectively evaluated for impairment	27,495,000				74,351,000				27,495,000	74,351,000
Ending balance: PCD loans evaluated for impairment	0								0
PPP loans not evaluated for impairment	$ 0				0				0	0
Construction and Land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjustment | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				(921,000)					(921,000)
Ending Balance					(921,000)					(921,000)
Construction and Land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Cumulative Effect, Period of Adoption, Adjusted Balance | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning Balance				$ 293,000					$ 293,000
Ending Balance					$ 293,000					$ 293,000

Premises and Equipment, Net - P

Premises and Equipment, Net - Premises and Equipment Less Accumulated Depreciation and Amortization (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 80,323	$ 78,685
Accumulated depreciation and amortization	(54,386)	(50,497)
Premises and equipment, net	25,937	28,188
Land
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	5,156	5,156
Buildings and improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	13,150	13,078
Capital leases
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	2,600	2,600
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	31,269	29,880
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, gross	$ 28,148	$ 27,971

Premises and Equipment, Net - N

Premises and Equipment, Net - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Depreciation expense	$ 3,900	$ 3,900	$ 3,600
Sales of premises and equipment	$ 0	0	0
Capital leases
Property, Plant and Equipment [Line Items]
Impairment on finite-lived intangible assets		$ 303	$ 470

Deposits - Deposit Account Bala

Deposits - Deposit Account Balances (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amount
Negotiable orders of withdrawal and interest-bearing checking	$ 1,112,292	$ 905,208
Non-interest bearing checking	898,490	695,831
Total transaction	2,010,782	1,601,039
Money market	609,430	813,168
Savings	1,166,761	1,140,717
Total savings	1,776,191	1,953,885
Under $100,000	154,320	241,862
$100,000 or more	228,041	279,765
Total certificates of deposit	382,361	521,627
Total deposits	$ 4,169,334	$ 4,076,551
Weighted Average Rate
Negotiable orders of withdrawal and interest-bearing checking	0.06%	0.11%
Total transaction	0.03%	0.06%
Money market	0.07%	0.10%
Savings	0.10%	0.19%
Total savings	0.09%	0.15%
Under $100,000	0.59%	1.05%
$100,000 or more	0.75%	0.71%
Total certificates of deposit	0.69%	0.87%
Total deposits	0.12%	0.21%

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Certificates of Deposit
Deposit Liability [Line Items]
Brokered deposits	$ 31	$ 47.8
Money Market Funds
Deposit Liability [Line Items]
Brokered deposits		$ 100

Deposits - Maturities Of Certif

Deposits - Maturities Of Certificates Of Deposit (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deposits [Abstract]
2022	$ 295,838
2023	51,691
2024	16,765
2025	13,363
2026	4,704
Total certificates of deposit	$ 382,361	$ 521,627

Deposits - Interest Expense On

Deposits - Interest Expense On Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Transaction	$ 805	$ 2,372	$ 4,623
Savings and money market	2,226	7,869	15,850
Certificates of deposit	3,176	14,989	20,855
Total interest expense on deposits	$ 6,207	$ 25,230	$ 41,328

Borrowings - Summary Of Borrowi

Borrowings - Summary Of Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Disclosure [Abstract]
Repurchase agreements	$ 50,000	$ 75,000
Other borrowings:
FHLB advances	365,000	510,000
Floating rate advances	6,755	6,789
Total long term debt	$ 421,755	$ 591,789

Borrowings - Contractual Maturi

Borrowings - Contractual Maturities Repurchase Agreements and FHLB Advances for 2020 (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Long Term Debt Maturities Repayments Of Principal [Line Items]
Total long term debt	$ 421,755	$ 591,789
Repurchase agreements
Long Term Debt Maturities Repayments Of Principal [Line Items]
2022	25,000	25,000
2023	0	25,000
2024	25,000	0
2025	0	25,000
Thereafter	0	0
Total long term debt	50,000	75,000
FHLB Advances
Long Term Debt Maturities Repayments Of Principal [Line Items]
2022	95,000	145,000
2023	87,500	95,000
2024	25,000	87,500
2025	112,500	25,000
Thereafter	45,000	45,000
Total long term debt	$ 365,000	$ 510,000

Borrowings - Contractual Matu_2

Borrowings - Contractual Maturities Repurchase Agreements and FHLB Advances for 2019 (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Long Term Debt Maturities Repayments Of Principal [Line Items]
Total long term debt	$ 421,755	$ 591,789
Repurchase agreements
Long Term Debt Maturities Repayments Of Principal [Line Items]
2021	25,000	25,000
2022	0	25,000
2023	25,000	0
2024	0	25,000
2025		0
Thereafter	0	0
Total long term debt	50,000	75,000
FHLB advances
Long Term Debt Maturities Repayments Of Principal [Line Items]
2021	95,000	145,000
2022	87,500	95,000
2023	25,000	87,500
2024	112,500	25,000
2025		112,500
Thereafter	45,000	45,000
Total long term debt	$ 365,000	$ 510,000

Borrowings - Summary of FHLB an

Borrowings - Summary of FHLB and Repurchase Agreements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
FHLB advances
Short-term Debt [Line Items]
Average balance during year	$ 434,422	$ 562,467
Maximum outstanding at any month end	$ 510,000	$ 695,000
Weighted average interest rate at end of year	2.10%	2.05%
Weighted average interest rate during year	2.08%	2.01%
Repurchase Agreements
Short-term Debt [Line Items]
Average balance during year	$ 60,068	$ 75,000
Maximum outstanding at any month end	$ 75,000	$ 75,000
Weighted average interest rate at end of year	2.36%	2.30%
Weighted average interest rate during year	2.36%	2.35%

Borrowings - Narrative (Details

Borrowings - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2021	Dec. 31, 2020
Schedule Of Short Term And Long Term Debt [Line Items]
FHLB advances	$ 2,090
Unencumbered securities	647.5
Multifamily loans held as collateral	1,440
Repurchase agreements | Mortgage-backed securities
Schedule Of Short Term And Long Term Debt [Line Items]
Mortgage-backed securities amortized cost	52.6	$ 88.9
Mortgage-backed securities held for sale fair value	$ 53.8	$ 91.4

Borrowings - Summary Of Interes

Borrowings - Summary Of Interest Expense On Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest Expense [Line Items]
Interest expense	$ 10,442	$ 13,107	$ 12,030
FHLB advances
Interest Expense [Line Items]
Interest expense	9,026	11,323	10,795
Floating rate advances
Interest Expense [Line Items]
Interest expense	0	22	170
Repurchase agreements
Interest Expense [Line Items]
Interest expense	$ 1,416	$ 1,762	$ 1,065

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense (Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Federal tax expense (benefit):
Current									$ 15,313	$ 11,270	$ 8,543
Deferred									3,107	(2,391)	376
Federal tax expense (benefit)									18,420	8,879	8,919
State and local tax expense (benefit):
Current									8,001	4,825	4,067
Deferred									52	(667)	(199)
State and local tax expense (benefit)									8,053	4,158	3,868
Income tax expense	$ 5,810	$ 6,078	$ 7,639	$ 6,946	$ 4,418	$ 3,095	$ 3,899	$ 1,625	$ 26,473	$ 13,037	$ 12,787

Income Taxes - Reconciliation B

Income Taxes - Reconciliation Between The Amount Of Reported Total Income Tax Expense And The Amount Computed By Multiplying The Applicable Statutory Income Tax Rate (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Tax expense at statutory rate									$ 20,397	$ 10,505	$ 11,135
Applicable statutory federal income tax rate									21.00%	21.00%	21.00%
Increase (decrease) in taxes resulting from:
State tax, net of federal income tax									$ 6,362	$ 3,285	$ 3,056
Bank owned life insurance									(862)	(793)	(1,475)
ESOP fair market value adjustment									102	42	187
Incentive stock options									6	18	81
Merger related costs									0	147	0
Excess tax benefits from employee share based payments									0	0	(110)
Other, net									468	(167)	(87)
Income tax expense	$ 5,810	$ 6,078	$ 7,639	$ 6,946	$ 4,418	$ 3,095	$ 3,899	$ 1,625	$ 26,473	$ 13,037	$ 12,787

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating Loss Carryforwards [Line Items]
State tax, net of federal income tax	$ 6,362	$ 3,285	$ 3,056
Net deferred tax asset	23,236	20,883
Bad debt base year reserve	5,900	5,900
Federal tax bad debt deferred tax liability	2,800	2,800
Accounting Standards Update 2016-13
Operating Loss Carryforwards [Line Items]
Deferred tax assets	$ 1,200
New Jersey Division of Taxation
Operating Loss Carryforwards [Line Items]
State tax, net of federal income tax		889
Victory
Operating Loss Carryforwards [Line Items]
Net deferred tax asset		$ 1,400

Income Taxes - Tax Effects Of T

Income Taxes - Tax Effects Of Temporary Differences That Give Rise To Significant Portions Of The Deferred Tax Assets And Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Deferred tax assets:
Allowance for credit losses	$ 11,057	$ 10,348
Deferred compensation	3,145	3,233
Accrued salaries	1,338	775
Postretirement benefits	354	346
Equity awards	2,051	2,170
Straight-line leases adjustment	1,713	1,533
Asset retirement obligation	68	71
Reserve for accrued interest receivable	620	675
Reserve for loan commitments	537	226
Employee Stock Ownership Plan	645	647
Other	317	293
Depreciation	3,229	2,798
Fair value adjustments of acquired loans	1,440	4,967
Fair value adjustments of pension benefit obligations	139	140
Total gross deferred tax assets	26,653	28,222
Deferred tax liabilities:
Unrealized gains on securities – AFS	761	5,083
Unrealized actuarial gains on post retirement benefits	15	15
Fair value adjustments of acquired securities	580	825
Fair value adjustments of deposit liabilities	28	3
Deferred loan fees	2,010	1,387
Other	23	26
Total gross deferred tax liabilities	3,417	7,339
Net deferred tax asset	$ 23,236	$ 20,883

Income Taxes - Reconciliation O

Income Taxes - Reconciliation Of Uncertain Tax Position (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]
Beginning balance	$ 157	$ 190	$ 530
Settlements based on tax positions related to prior years	(125)	(33)	(530)
Additions based on tax positions related to prior years	109	0	190
Ending balance	$ 141	$ 157	$ 190

Retirement Benefits - Narrative

Retirement Benefits - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Requisite service period for employees to be eligible for 401(k) plan	3 months
Percent of employer match on employee contributions	25.00%
Percent of base compensation contributed by eligible employees	6.00%
Contribution plan participation period (years)	3 years
Contribution plan subsequent participation period (years)	3 years
Requisite service period for members to become fully vested	5 years
Company contribution amount	$ 515	$ 508	$ 426
ESOP compensation expense	1,900	1,400	1,900
Estimated loss that will be amortized from accumulated other comprehensive income (loss) into net periodic cost	0
Prior service cost (credit) that will be amortized from accumulated other comprehensive income (loss) into net periodic cost	$ (19)
Medical cost trend rate	8.75%
Medical cost trend rate reduction percent per year	0.50%
Medical cost trend rate ultimate rate	4.75%
Benefits paid	$ 99	97	103
Benefits expected to be paid under the postretirement health benefits plan in 2022	92
Benefits expected to be paid under the postretirement health benefits plan in 2023	92
Benefits expected to be paid under the postretirement health benefits plan in 2024	76
Benefits expected to be paid under the postretirement health benefits plan in 2025	74
Benefits expected to be paid under the postretirement health benefits plan in 2026	71
Benefits expected to be paid under the postretirement health benefits plan in 2027 through 2031	306
Supplemental Employee Retirement Plans, Defined Benefit
Defined Benefit Plan Disclosure [Line Items]
Benefit obligation	16,500	15,500
Net postretirement benefit cost included in compensation and employee benefits	$ 1,700	1,600	2,000
Minimum
Defined Benefit Plan Disclosure [Line Items]
Percent of compensation employees can invest in 401(k) plan	2.00%
Matching contribution percent	25.00%
Maximum
Defined Benefit Plan Disclosure [Line Items]
Percent of compensation employees can invest in 401(k) plan	100.00%
Matching contribution percent	50.00%
First ESOP
Defined Benefit Plan Disclosure [Line Items]
Employee stock ownership plan, shares authorized and purchased (in shares)	2,463,884
Initial public offering price (usd per share)	$ 7.13
Outstanding loan balance	$ 8,500	$ 9,500
Shares released and allocated to participants (in shares)	123,460	92,769
Second ESOP
Defined Benefit Plan Disclosure [Line Items]
Employee stock ownership plan, shares authorized and purchased (in shares)	1,422,357
Initial public offering price (usd per share)	$ 10
Outstanding loan balance	$ 10,800	$ 11,300
Shares released and allocated to participants (in shares)	59,064	54,986
Supplemental ESOP
Defined Benefit Plan Disclosure [Line Items]
Company contribution to SESOP plan	$ 41	$ 57	$ 41

Retirement Benefits - Funded St

Retirement Benefits - Funded Status And Components Of Post Retirement Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefits paid	$ (99)	$ (97)	$ (103)
Other Pension Plans, Defined Benefit
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Accumulated postretirement benefit obligation beginning of year	1,133	1,241	1,359
Service cost	0	0	9
Interest cost	22	33	52
Actuarial gain	(77)	(44)	(76)
Benefits paid	(99)	(97)	(103)
Accumulated postretirement benefit obligation end of year	979	1,133	1,241
Accrued liability (included in accrued expenses and other liabilities)	$ 979	$ 1,133	$ 1,241

Retirement Benefits - Amounts R

Retirement Benefits - Amounts Recognized In Accumulated Other Comprehensive Income (Loss) (Details) - Other Pension Plans, Defined Benefit - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Defined Benefit Plan Disclosure [Line Items]
Net loss	$ 11	$ 87
Prior service credit	(152)	(171)
Loss recognized in accumulated other comprehensive income (loss)	$ (141)	$ (84)

Retirement Benefits - Component

Retirement Benefits - Components Of Net Periodic Post Retirement Benefit Cost (Details) - Other Pension Plans, Defined Benefit - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Service cost	$ 0	$ 0	$ 9
Interest cost	22	33	52
Amortization of prior service credits	(20)	(20)	0
Amortization of unrecognized loss	0	1	2
Net postretirement benefit cost included in compensation and employee benefits	$ 2	$ 14	$ 63

Retirement Benefits - Defined B

Retirement Benefits - Defined Benefit Plan, Assumptions Used In Accounting For The Plan (Details) - Other Pension Plans, Defined Benefit	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Assumptions used to determine benefit obligation at period end:
Discount rate	2.50%	2.00%	2.75%
Rate of increase in compensation			4.00%
Assumptions used to determine net periodic benefit cost for the year:
Discount rate	2.00%	2.75%	4.00%
Rate of increase in compensation			4.00%

Retirement Benefits - Summary O

Retirement Benefits - Summary Of Percentage Point Change In Assumed Health Care Cost Trends (Details) - Other Pension Plans, Defined Benefit - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Aggregate of service and interest components of net periodic cost (benefit), one percentage point increase	$ 2	$ 3	$ 4
Aggregate of service and interest components of net periodic cost (benefit), one percentage point decrease	(2)	(2)	$ (4)
Effect on accumulated postretirement benefit obligation, one percentage point increase	78	97
Effect on accumulated postretirement benefit obligation, one percentage point decrease	$ (68)	$ (84)

Equity Incentive Plan - Narrati

Equity Incentive Plan - Narrative (Details)	Jan. 29, 2021USD ($)shares	Feb. 17, 2020USD ($)shares	Dec. 31, 2021USD ($)shares	Dec. 31, 2020USD ($)shares	Dec. 31, 2019USD ($)shares	May 22, 2019shares	Feb. 22, 2019shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock options granted (in shares)			0	0	0
Allocated stock-based compensation expense | $			$ 994,000	$ 1,400,000	$ 3,200,000
Granted (shares)			176,930	103,581
Two Thousand Nineteen Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized under equity incentive plan (in shares)			4,737,701				6,000,000
Number of shares authorized, issued in form of restricted stock reduction multiplier						4.5
2014 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized under equity incentive plan (in shares)			4,978,249
Restricted Stock And Restricted Stock Units (RSUs) | Two Thousand Nineteen Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized under equity incentive plan (in shares)			1,052,822			1,333,333
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected future stock-based compensation expense | $			$ 1,700,000
Average period of expected future stock option expense			3 years 5 months 1 day
Restricted Stock | 2014 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized under equity incentive plan (in shares)			1,422,357
Stock Options | 2014 Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized under equity incentive plan (in shares)			3,555,892
Restricted Stock Units (RSUs) | Two Thousand Nineteen Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (shares)	147,315	83,744
Grant date value | $	$ 1,800,000	$ 1,300,000
Restricted Stock Units (RSUs) | Two Thousand Nineteen Equity Incentive Plan | Share-based Payment Arrangement, Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (shares)	32,769	28,460
Vesting period (years)	1 year	1 year
Restricted Stock Units (RSUs) | Two Thousand Nineteen Equity Incentive Plan | Share-based Payment Arrangement, Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (shares)	114,546	55,284
Vesting period (years)	5 years	5 years
Beginning of vesting period (years)	1 year
Period after grant date to begin vesting period		1 year
Performance Shares | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares issuable based on threshold performance	0.00%	0.00%
Performance Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares issuable based on threshold performance	225.00%	225.00%
Performance Shares | Two Thousand Nineteen Equity Incentive Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (shares)	29,615	19,837
Grant date value | $	$ 366,041	$ 313,623
Vesting period (years)	3 years	3 years

Equity Incentive Plan - Stock O

Equity Incentive Plan - Stock Options Outstanding (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Number of Stock Options
Outstanding (shares) - Beginning Balance	2,214,193	2,227,193
Forfeited (in shares)	(50,169)
Exercised (shares)	(394,045)	(13,000)
Outstanding (shares) - Ending Balance	1,769,979	2,214,193	2,227,193
Exercisable (shares)	1,769,979
Weighted Average Grant Date Fair Value
Outstanding (usd per share) - Beginning Balance	$ 4.01	$ 4.01
Forfeited (usd per share)
Exercised (usd per share)	3.96	3.93
Outstanding (usd per share) - Ending Balance	4.02	4.01	$ 4.01
Exercisable (usd per share)	4.02
Weighted Average Exercise Price
Outstanding (usd per share) - Beginning Balance	13.94	13.93
Forfeited (usd per share)	13.62
Exercised (usd per share)	13.90	13.38
Outstanding (usd per share) - Ending Balance	13.95	$ 13.94	$ 13.93
Exercisable (usd per share)	$ 13.95
Outstanding, weighted average contractual life (years)	2 years 11 months 12 days	3 years 11 months 15 days	4 years 11 months 15 days
Exercisable, weighted average contractual life (years)	2 years 11 months 12 days

Equity Incentive Plan - Status

Equity Incentive Plan - Status Of The Company's Restricted Share Awards (Details) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Number of Shares Awarded
Non-vested (shares) - Beginning Balance	104,010	71,102
Granted (shares)	176,930	103,581
Vested (shares)	(42,470)	(67,100)
Forfeited (shares)	(15,626)	(3,573)
Non-vested (shares) - Ending Balance	222,844	104,010
Weighted Average Grant Date Fair Value
Non-vested (usd per share) - Beginning Balance	$ 15.91	$ 15.36
Granted (usd per share)	12.36	15.81
Vested (usd per share)	16.06	15.18
Forfeited (usd per share)	13.80	15.81
Non-vested (usd per share) - Ending Balance	$ 13.21	$ 15.91

Commitments and Contingencies -

Commitments and Contingencies - Commitment and Contingent Liabilities Not Reflected in Consolidated Financial Statements (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Commitments to extend credit
Commitments and contingent liabilities	$ 159,403	$ 81,288
Unused lines of credit
Commitments and contingent liabilities	245,860	153,960
Standby letters of credit
Commitments and contingent liabilities	$ 3,266	$ 3,313

Commitments and Contingencies_2

Commitments and Contingencies - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Guarantees extend term period (years)	1 year
Allowance for estimated losses	$ 1,900	$ 808
Agreements term (years)	3 years

Regulatory Requirements - Narra

Regulatory Requirements - Narrative (Details)	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2019	Jan. 01, 2016
Regulatory Requirements [Abstract]
Common equity Tier 1 capital (to risk-weighted assets), for capital adequacy purposes ratio	4.50%	8.00%
Tier 1 capital (to risk-weighted assets), for capital adequacy purposes ratio	0.06
Total capital (to risk-weighted assets), for capital adequacy purposes ratio	0.080
Tier 1 capital (core) (to adjusted total assets), for capital adequacy purposes ratio	0.040
Tier 1 capital (core) (to adjusted total assets), for well capitalized under prompt corrective action provisions ratio	0.050
Common equity Tier 1 capital (to risk-weighted assets), for well capitalized under prompt corrective action provisions ratio	6.50%	8.00%
Tier 1 risk-based capital ratio	0.080
Total capital (to risk-weighted assets), for well capitalized under prompt corrective action provisions ratio	0.100
Tier 1 risk-based capital required for capital adequacy to risk-weighted assets, higher risk weight	2.50%		2.50%
Capital conservation buffer				0.625%

Regulatory Requirements - Regul

Regulatory Requirements - Regulatory Capital Amounts And Ratios Compared To Regulatory Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CBLR, amount	$ 696,368
CBLR, ratio	12.93%
CBLR, for capital adequacy purposes amount	$ 457,751
CBLR, for capital adequacy purposes ratio	8.50%
CBLR, for well capitalized under prompt corrective action provisions amount	$ 457,751
CBLR, for well capitalized under prompt corrective action provisions ratio	8.50%
Common Equity Tier 1 Capital (to risk-weighted assets), amount		$ 698,864
Common Equity Tier 1 Capital (to risk-weighted assets), ratio		12.73%
Common Equity Tier 1 Capital (to risk-weighted assets), for capital adequacy purposes amount		$ 439,219
Common Equity Tier 1 Capital (to risk-weighted assets), for capital adequacy purposes ratio	4.50%	8.00%
Common Equity Tier 1 Capital (to risk-weighted assets), for well capitalized under prompt corrective action provisions amount		$ 439,219
Common Equity Tier 1 Capital (to risk-weighted assets), for well capitalized under prompt corrective action provisions ratio	6.50%	8.00%
Subsidiaries
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
CBLR, amount	$ 659,522
CBLR, ratio	12.24%
CBLR, for capital adequacy purposes amount	$ 457,872
CBLR, for capital adequacy purposes ratio	8.50%
CBLR, for well capitalized under prompt corrective action provisions amount	$ 457,872
CBLR, for well capitalized under prompt corrective action provisions ratio	8.50%
Common Equity Tier 1 Capital (to risk-weighted assets), amount		$ 656,324
Common Equity Tier 1 Capital (to risk-weighted assets), ratio		11.96%
Common Equity Tier 1 Capital (to risk-weighted assets), for capital adequacy purposes amount		$ 439,124
Common Equity Tier 1 Capital (to risk-weighted assets), for capital adequacy purposes ratio		8.00%
Common Equity Tier 1 Capital (to risk-weighted assets), for well capitalized under prompt corrective action provisions amount		$ 439,124
Common Equity Tier 1 Capital (to risk-weighted assets), for well capitalized under prompt corrective action provisions ratio		8.00%

Fair Value Measurement - Fair V

Fair Value Measurement - Fair Value, Assets And Liabilities Measured On Recurring And Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	$ 1,208,237	$ 1,264,805
Trading securities	13,461	12,291
Equity securities	328	253
Individually evaluated loans	3,807	5,325
Investment measured at fair value	5,000
Measured on a recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	1,208,237	1,264,805
Trading securities	13,461	12,291
Equity securities	328	253
Total	1,222,026	1,277,349
Measured on a recurring basis | U.S. Government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	2,290	3,158
Measured on a recurring basis | Mortgage-backed securities:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	973,116	1,172,312
Measured on a recurring basis | Mortgage-backed securities, Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	581,406	281,343
Measured on a recurring basis | Mortgage-backed securities, REMICs, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	391,710	890,965
Measured on a recurring basis | Mortgage-backed securities, REMICs, Non-GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		4
Measured on a recurring basis | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	72	123
Measured on a recurring basis | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	232,759	88,418
Measured on a recurring basis | Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		794
Measured on a recurring basis | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	232,831	89,335
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Trading securities	13,461	12,291
Equity securities	328	253
Total	13,789	12,544
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. Government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities, Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities, REMICs, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Mortgage-backed securities, REMICs, Non-GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		0
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	1,208,237	1,264,805
Trading securities	0	0
Equity securities	0	0
Total	1,208,237	1,264,805
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | U.S. Government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	2,290	3,158
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	973,116	1,172,312
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities, Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	581,406	281,343
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities, REMICs, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	391,710	890,965
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Mortgage-backed securities, REMICs, Non-GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		4
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	72	123
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	232,759	88,418
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		794
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	232,831	89,335
Measured on a recurring basis | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Trading securities	0	0
Equity securities	0	0
Total	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | U.S. Government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities, Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities, REMICs, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Mortgage-backed securities, REMICs, Non-GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Municipal bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Corporate bonds
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Asset-backed securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	0	0
Measured on a non-recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	3,907	5,325
Measured on a non-recurring basis | Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	3,795	5,312
Measured on a non-recurring basis | Real Estate | Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	3,599	5,268
Measured on a non-recurring basis | Real Estate | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans		16
Measured on a non-recurring basis | Real Estate | Home Equity and Lines of Credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	27	28
Measured on a non-recurring basis | Real Estate | One-to-Four Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	169
Measured on a non-recurring basis | Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	12	13
Measured on a non-recurring basis | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	100
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Real Estate | Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Real Estate | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans		0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Real Estate | Home Equity and Lines of Credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Real Estate | One-to-Four Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	0	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Real Estate | Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Real Estate | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans		0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Real Estate | Home Equity and Lines of Credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Real Estate | One-to-Four Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Measured on a non-recurring basis | Significant Other Observable Inputs (Level 2) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	3,907	5,325
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real Estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	3,795	5,312
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real Estate | Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	3,599	5,268
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real Estate | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans		16
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real Estate | Home Equity and Lines of Credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	27	28
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real Estate | One-to-Four Family
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	169
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Commercial and Industrial
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	12	$ 13
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 100

Fair Value Measurement - Qualit

Fair Value Measurement - Qualitative Information For Level 3 Assets Measured At Fair Value On A Non-Recurring Basis (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Individually evaluated loans	$ 3,807	$ 5,325
Other real estate owned	$ 100
Appraisals | Discount for costs to sell
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Loans receivable	0.070	0.070
Other real estate owned inputs	0.070
Appraisals | Discount for quick sale
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Loans receivable	0.100	0.100
Discounted cash flows | Interest rates | Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Loans receivable	0.0488	0.0488
Discounted cash flows | Interest rates | Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Loans receivable	0.0625	0.0625

Fair Value Measurement - Narrat

Fair Value Measurement - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Fair Value Disclosures [Abstract]
Impaired loans held-for-investment and held-for-sale with outstanding principal balances	$ 5,800	$ 7,400
Estimated fair value of impaired loans held-for-investment and held-for-sale	3,800	5,300
Decrease in reserve for impaired loans	43	69
Net impairment charge-offs	2,800	3,800
Assets acquired through foreclosure	$ 100	$ 0	$ 0

Fair Value Measurement - Estima

Fair Value Measurement - Estimated Fair Values Of The Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial assets:
Cash and cash equivalents	$ 91,068	$ 87,544
Trading securities	13,461	12,291
Debt securities available-for-sale	1,208,237	1,264,805
Debt securities held-to-maturity	5,475	7,574
Equity securities	328	253
FHLBNY stock, at cost	22,336	28,641
Loans held-for-sale		19,895
Net loans held-for-investment	3,904,026	3,842,054
Derivative assets	923	1,498
Financial liabilities:
Deposits	4,172,125	4,082,538
Borrowed funds	426,235	609,900
Advance payments by borrowers for taxes and insurance	24,909	19,677
Derivative liabilities	925	1,502
Investment measured at fair value	5,000
Carrying Value
Financial assets:
Cash and cash equivalents	91,068	87,544
Trading securities	13,461	12,291
Debt securities available-for-sale	1,208,237	1,264,805
Debt securities held-to-maturity	5,283	7,234
Equity securities	328	253
FHLBNY stock, at cost	22,336	28,641
Loans held-for-sale		19,895
Net loans held-for-investment	3,767,644	3,785,631
Derivative assets	923	1,498
Financial liabilities:
Deposits	4,169,334	4,076,551
Borrowed funds		591,789
Advance payments by borrowers for taxes and insurance	24,909	19,677
Derivative liabilities	925	1,502
Estimated Fair Value | Level 1
Financial assets:
Cash and cash equivalents	91,068	87,544
Trading securities	13,461	12,291
Debt securities available-for-sale	0	0
Debt securities held-to-maturity	0	0
Equity securities	328	253
FHLBNY stock, at cost	0	0
Loans held-for-sale		0
Net loans held-for-investment	0	0
Derivative assets	0	0
Financial liabilities:
Deposits	0	0
Borrowed funds	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities	0	0
Estimated Fair Value | Level 2
Financial assets:
Cash and cash equivalents	0	0
Trading securities	0	0
Debt securities available-for-sale	1,208,237	1,264,805
Debt securities held-to-maturity	5,475	7,574
Equity securities	0	0
FHLBNY stock, at cost	22,336	28,641
Loans held-for-sale		0
Net loans held-for-investment	0	0
Derivative assets	923	1,498
Financial liabilities:
Deposits	4,172,125	4,082,538
Borrowed funds	426,235	609,900
Advance payments by borrowers for taxes and insurance	24,909	19,677
Derivative liabilities	925	1,502
Estimated Fair Value | Level 3
Financial assets:
Cash and cash equivalents	0	0
Trading securities	0	0
Debt securities available-for-sale	0	0
Debt securities held-to-maturity	0	0
Equity securities	0	0
FHLBNY stock, at cost	0	0
Loans held-for-sale		19,895
Net loans held-for-investment	3,904,026	3,842,054
Derivative assets	0	0
Financial liabilities:
Deposits	0	0
Borrowed funds	0	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities	$ 0	$ 0

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Earnings Per Share [Abstract]
Net income available to common stockholders	$ 16,103	$ 16,080	$ 19,794	$ 18,677	$ 13,062	$ 8,582	$ 10,793	$ 4,551	$ 70,654	$ 36,988	$ 40,235
Weighted average shares outstanding-basic (in shares)									48,416,495	48,721,504	46,783,442
Effect of non-vested restricted stock and stock options outstanding (in shares)									337,768	64,459	380,362
Weighted average shares outstanding-diluted (in shares)									48,754,263	48,785,963	47,163,804
Earnings per share-basic (usd per share)	$ 0.34	$ 0.33	$ 0.40	$ 0.38	$ 0.26	$ 0.17	$ 0.23	$ 0.10	$ 1.46	$ 0.76	$ 0.86
Earnings per share-diluted (usd per share)	$ 0.34	$ 0.33	$ 0.40	$ 0.38	$ 0.26	$ 0.17	$ 0.23	$ 0.10	$ 1.45	$ 0.76	$ 0.85
Anti-dilutive shares (in shares)									323,466	1,972,136	546,120

Stock Repurchase Program (Detai

Stock Repurchase Program (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Mar. 18, 2021	Apr. 24, 2019
Equity, Class of Treasury Stock [Line Items]
Average cost of treasury stock (usd per share)	$ 15.91	$ 11.59	$ 15.26
Treasury stock acquired	$ 53,321	$ 10,405	$ 15,815
April 2019 Stock Repurchase Program
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, authorized amount					$ 37,200
Repurchased common stock acquired (in shares)		885,535
Average cost of treasury stock (usd per share)		$ 11.59
Treasury stock acquired		$ 10,300
Common shares remaining for repurchase (in shares)		564,488
March 2021 Stock Repurchase Program
Equity, Class of Treasury Stock [Line Items]
Stock repurchase program, authorized amount				$ 54,200
Repurchased common stock acquired (in shares)	3,342,700
Average cost of treasury stock (usd per share)	$ 15.91
Treasury stock acquired	$ 53,200
Maximum value of shares remaining for repurchases	$ 8,300

Revenue Recognition (Details)

Revenue Recognition (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Total fees and service charges for customer services									$ 5,394	$ 3,967	$ 4,881
Income on bank owned life insurance									4,103	3,774	7,023
Gains on available-for-sale debt securities, net									1,495	327	514
Gains on trading securities, net									1,703	1,601	1,988
Gains on sale of loans									1,401	665	0
Other									357	1,138	402
Total non-interest income	$ 4,273	$ 2,628	$ 4,916	$ 2,636	$ 4,104	$ 3,022	$ 4,238	$ 108	14,453	11,472	14,808
Service charges
Disaggregation of Revenue [Line Items]
Total fees and service charges for customer services									3,075	2,356	3,309
ATM and card interchange fees
Disaggregation of Revenue [Line Items]
Total fees and service charges for customer services									1,893	1,326	1,310
Investment fees
Disaggregation of Revenue [Line Items]
Total fees and service charges for customer services									$ 426	$ 285	$ 262

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Jan. 01, 2019
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets	$ 33,943	$ 36,741		$ 43,600
Operating lease liabilities	39,851	42,734		$ 47,300
Operating lease, rent expense	5,900	8,000	$ 6,800
Operating lease, accelerated rent expense	$ 1,800	$ 579
Minimum
Lessee, Lease, Description [Line Items]
Term of lease	1 month
Renewal term	5 years
Maximum
Lessee, Lease, Description [Line Items]
Term of lease	33 years 6 months
Renewal term	10 years

Leases - Supplemental Lease Inf

Leases - Supplemental Lease Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Leases [Abstract]
Operating lease cost	$ 5,797	$ 6,160	$ 6,119
Variable lease cost	4,092	3,276	2,813
Net lease cost	9,889	9,436	8,932
Cash paid for amounts included in measurement of operating lease liabilities	6,538	6,490	5,901
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 1,596	$ 3,568	$ 1,013
Weighted average remaining lease term (in years)	11 years 10 months 2 days	12 years 3 months 10 days	12 years 9 months 7 days
Weighted average discount rate	3.55%	3.60%	3.62%

Leases - Lease Payments Obligat

Leases - Lease Payments Obligations (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2019
Leases [Abstract]
2022	$ 5,923
2023	5,803
2024	5,372
2025	5,024
2026	4,253
Thereafter	24,128
Total lease payments	50,503
Less: imputed interest	(10,652)
Present value of lease liabilities	$ 39,851	$ 42,734	$ 47,300

Derivatives - Additional Inform

Derivatives - Additional Information (Details) - Interest Rate Swap $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)instrument	Dec. 31, 2020USD ($)instrument
Derivative [Line Items]
Number of derivative instruments held | instrument	7	7
Derivative, notional amount	$ 38,100	$ 39,200
Derivative assets (liabilities), at fair value	$ 0	$ 797

Derivatives - Fair Value of Der

Derivatives - Fair Value of Derivatives (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Other assets
Derivative [Line Items]
Fair value of derivative asset	$ 923	$ 1,498
Other liabilities
Derivative [Line Items]
Fair value of derivative liability	$ 925	$ 1,502

Parent-only Financial Informa_3

Parent-only Financial Information - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
ASSETS:
Interest-earning deposits in other financial institutions	$ 72,877	$ 71,429
Other assets	37,207	25,387
Total assets	5,430,542	5,514,544
LIABILITIES AND STOCKHOLDERS’ EQUITY:
Total liabilities	4,690,659	4,760,563
Total stockholders' equity	739,883	753,981	$ 695,853	$ 666,439
Total liabilities and stockholders' equity	5,430,542	5,514,544
Parent Company
ASSETS:
Cash in Northfield Bank	14,411	21,456
Interest-earning deposits in other financial institutions	0	21
Investment in Northfield Bank	703,036	711,441
ESOP loan receivable	19,283	20,836
Other assets	3,412	474
Total assets	740,142	754,228
LIABILITIES AND STOCKHOLDERS’ EQUITY:
Total liabilities	259	247
Total stockholders' equity	739,883	753,981
Total liabilities and stockholders' equity	$ 740,142	$ 754,228

Parent-only Financial Informa_4

Parent-only Financial Information - Condensed Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income tax expense	$ 5,810	$ 6,078	$ 7,639	$ 6,946	$ 4,418	$ 3,095	$ 3,899	$ 1,625	$ 26,473	$ 13,037	$ 12,787
Net income	$ 16,103	$ 16,080	$ 19,794	$ 18,677	$ 13,062	$ 8,582	$ 10,793	$ 4,551	70,654	36,988	40,235
Other comprehensive (loss) income, net of tax									(11,097)	8,461	13,846
Comprehensive income									59,557	45,449	54,081
Parent Company
Interest on ESOP loan									677	1,043	1,263
Interest income on deposits in other financial institutions									18	129	229
Gains on securities, net									0	0	10
Undistributed earnings of Northfield Bank									70,956	37,544	40,012
Total income									71,651	38,716	41,514
Other expenses									831	1,647	863
Income tax expense									166	81	416
Total expenses									997	1,728	1,279
Net income									70,654	36,988	40,235
Other comprehensive (loss) income, net of tax									(11,097)	8,461	13,846
Comprehensive income									$ 59,557	$ 45,449	$ 54,081

Parent-only Financial Informa_5

Parent-only Financial Information - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Cash flows from operating activities:
Net income	$ 16,103	$ 16,080	$ 19,794	$ 18,677	$ 13,062	$ 8,582	$ 10,793	$ 4,551	$ 70,654	$ 36,988	$ 40,235
Adjustments to reconcile net income to net cash used in operating activities:
Increase in other assets									(14,531)	1,294	2,679
Net cash used in operating activities									64,759	55,214	51,152
Cash flows from investing activities:
Net cash acquired in business combinations									0	72,875	0
Net cash provided by (used in) investing activities									84,995	(131,925)	(522,725)
Cash flows from financing activities:
Exercise of stock options									3,409	175	5,770
Net cash (used in) provided by financing activities									(146,230)	16,437	541,629
Net (decrease) increase in cash and cash equivalents									3,524	(60,274)	70,056
Cash and cash equivalents at beginning of year				87,544				147,818	87,544	147,818	77,762
Cash and cash equivalents at end of year	91,068				87,544				91,068	87,544	147,818
Parent Company
Cash flows from operating activities:
Net income									70,654	36,988	40,235
Adjustments to reconcile net income to net cash used in operating activities:
Increase in other assets									(4,034)	(1,008)	(1,073)
Gains on securities, net									0	0	(10)
Increase (decrease) in other liabilities									12	(1,499)	(36)
Undistributed earnings of Northfield Bank									(70,956)	(37,544)	(40,012)
Net cash used in operating activities									(4,324)	(3,063)	(896)
Cash flows from investing activities:
Net cash acquired in business combinations									0	5,903	0
Dividends from Northfield Bank									69,916	16,174	41,277
Net cash provided by (used in) investing activities									69,916	22,077	41,277
Cash flows from financing activities:
Principal payments on ESOP loan receivable									1,553	1,061	1,065
Purchase of treasury stock									(53,321)	(10,405)	(15,815)
Dividends paid									(24,299)	(21,476)	(20,198)
Exercise of stock options									3,409	175	5,770
Net cash (used in) provided by financing activities									(72,658)	(30,645)	(29,178)
Net (decrease) increase in cash and cash equivalents									(7,066)	(11,631)	11,203
Cash and cash equivalents at beginning of year				$ 21,477				$ 33,108	21,477	33,108	21,905
Cash and cash equivalents at end of year	$ 14,411				$ 21,477				$ 14,411	$ 21,477	$ 33,108

Selected Quarterly Financial _3

Selected Quarterly Financial Data (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest income	$ 41,849	$ 42,146	$ 43,236	$ 45,067	$ 43,045	$ 41,457	$ 40,911	$ 42,732	$ 172,298	$ 168,145	$ 165,143
Interest expense	3,480	3,729	4,549	4,891	6,008	8,849	10,681	12,799	16,649	38,337	53,358
Net interest income	38,369	38,417	38,687	40,176	37,037	32,608	30,230	29,933	155,649	129,808	111,785
(Benefit)/provision for credit losses	39	(148)	(3,701)	(2,374)	2,473	165	1,921	8,183	(6,184)	12,742	22
Net interest income after (benefit)/provision for credit losses	38,330	38,565	42,388	42,550	34,564	32,443	28,309	21,750	161,833	117,066	111,763
Other income	4,273	2,628	4,916	2,636	4,104	3,022	4,238	108	14,453	11,472	14,808
Other expenses	20,690	19,035	19,871	19,563	21,188	23,788	17,855	15,682	79,159	78,513	73,549
Income before income tax expense	21,913	22,158	27,433	25,623	17,480	11,677	14,692	6,176	97,127	50,025	53,022
Income tax expense	5,810	6,078	7,639	6,946	4,418	3,095	3,899	1,625	26,473	13,037	12,787
Net income	$ 16,103	$ 16,080	$ 19,794	$ 18,677	$ 13,062	$ 8,582	$ 10,793	$ 4,551	$ 70,654	$ 36,988	$ 40,235
Net income per basic common share (usd per share)	$ 0.34	$ 0.33	$ 0.40	$ 0.38	$ 0.26	$ 0.17	$ 0.23	$ 0.10	$ 1.46	$ 0.76	$ 0.86
Net income per diluted common share (usd per share)	$ 0.34	$ 0.33	$ 0.40	$ 0.38	$ 0.26	$ 0.17	$ 0.23	$ 0.10	$ 1.45	$ 0.76	$ 0.85
Parent Company
Income tax expense									$ 166	$ 81	$ 416
Net income									$ 70,654	$ 36,988	$ 40,235