Northfield Bancorp, Inc. (NFBK) 10-Q 8 Nov 23 2023 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2023	Oct. 31, 2023
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
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 Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		44,956,118
Entity Central Index Key	0001493225
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS:
Cash and due from banks	$ 13,258	$ 14,530
Interest-bearing deposits in other financial institutions	67,298	31,269
Total cash and cash equivalents	80,556	45,799
Trading securities	11,504	10,751
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at September 30, 2023 and December 31, 2022)	743,699	952,173
Debt securities held-to-maturity, at amortized cost (estimated fair value of $9,371 at September 30, 2023, and $10,389 at December 31, 2022, with no allowance for credit losses at September 30, 2023 and December 31, 2022)	10,114	10,760
Equity securities	10,628	10,443
Loans held-for-sale	950	0
Loans held-for-investment	4,229,974	4,243,693
Less: allowance for credit losses	(38,480)	(42,617)
Net loans held-for-investment	4,191,494	4,201,076
Accrued interest receivable	17,355	17,426
Bank-owned life insurance	170,591	167,912
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	41,165	30,382
Operating lease right-of-use assets	31,407	34,288
Premises and equipment, net	24,154	24,844
Goodwill	41,012	41,012
Other assets	62,455	54,427
Total assets	5,437,084	5,601,293
LIABILITIES:
Deposits	3,668,513	4,150,219
Securities sold under agreements to repurchase	25,000	25,000
FHLB advances and other borrowings	893,973	558,859
Subordinated debentures, net of issuance costs	61,163	60,996
Operating lease liabilities	36,535	39,790
Advance payments by borrowers for taxes and insurance	25,968	25,995
Accrued expenses and other liabilities	41,857	39,044
Total liabilities	4,753,009	4,899,903
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 September 30, 2023 and December 31, 2022, 44,956,118 and 47,442,488 outstanding at September 30, 2023 and December 31, 2022, respectively	648	648
Additional paid-in-capital	590,018	590,249
Unallocated common stock held by employee stock ownership plan	(14,958)	(15,650)
Retained earnings	430,535	418,353
Accumulated other comprehensive loss	(47,983)	(48,331)
Treasury stock at cost: 19,814,757 and 17,328,387 shares at September 30, 2023 and December 31, 2022, respectively	(274,185)	(243,879)
Total stockholders’ equity	684,075	701,390
Total liabilities and stockholders’ equity	$ 5,437,084	$ 5,601,293

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($)	Sep. 30, 2023	Dec. 31, 2022
Statement of Financial Position [Abstract]
Debt securities available-for-sale, allowance for credit loss	$ 0	$ 0
Debt securities held-to-maturity	9,371,000	10,389,000
Debt securities held-to-maturity, allowance for credit loss	$ 0	$ 0
Preferred stock, par value (usd per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	25,000,000	25,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (usd per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	150,000,000	150,000,000
Common stock, shares issued (in shares)	64,770,875	64,770,875
Common stock, shares outstanding (in shares)	44,956,118	47,442,488
Treasury stock, shares (in shares)	19,814,757	17,328,387

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest income:
Loans	$ 46,213	$ 42,311	$ 135,220	$ 118,030
Mortgage-backed securities	3,664	3,284	11,170	8,802
Other securities	1,095	1,201	3,593	2,885
FHLB of New York dividends	933	283	2,125	788
Deposits in other financial institutions	831	199	2,225	423
Total interest income	52,736	47,278	154,333	130,928
Interest expense:
Deposits	13,614	2,121	31,918	4,614
Borrowings	8,593	2,304	24,182	6,388
Subordinated debt	837	842	2,484	961
Total interest expense	23,044	5,267	58,584	11,963
Net interest income	29,692	42,011	95,749	118,965
Provision for credit losses	188	2,703	1,082	3,255
Net interest income after provision for credit losses	29,504	39,308	94,667	115,710
Non-interest income:
Fees and service charges for customer services	1,317	1,500	4,006	4,206
Income on bank-owned life insurance	920	861	2,679	2,548
(Losses) gains on available-for-sale debt securities, net	0	0	(17)	264
(Losses) gains on trading securities, net	(295)	(426)	723	(2,791)
Gain on sale of loans	99	273	134	273
Other	80	78	744	264
Total non-interest income	2,121	2,286	8,269	4,764
Non-interest expense:
Compensation and employee benefits	10,920	10,784	34,310	29,709
Occupancy	3,416	3,347	10,032	10,041
Furniture and equipment	479	438	1,393	1,290
Data processing	1,994	1,847	6,308	5,322
Professional fees	883	903	2,622	3,040
Advertising	414	420	1,834	1,257
Federal Deposit Insurance Corporation insurance	591	356	1,763	1,068
Credit loss expense (benefit) for off-balance sheet exposures	160	(1,888)	(390)	(1,260)
Other	1,710	1,663	4,598	4,825
Total non-interest expense	20,567	17,870	62,470	55,292
Income before income tax expense	11,058	23,724	40,466	65,182
Income tax expense	2,877	6,745	11,019	18,202
Net income	$ 8,181	$ 16,979	$ 29,447	$ 46,980
Net income per common share:
Basic (usd per share)	$ 0.19	$ 0.37	$ 0.67	$ 1.01
Diluted (usd per share)	$ 0.19	$ 0.37	$ 0.67	$ 1.01
Net income	$ 8,181	$ 16,979	$ 29,447	$ 46,980
Unrealized (losses) gains on debt securities available-for-sale:
Net unrealized holding (losses) gains	(4,039)	(31,339)	467	(77,312)
Less: reclassification adjustment for net losses (gains) included in net income	0	0	17	(264)
Net unrealized (losses) gains	(4,039)	(31,339)	484	(77,576)
Post-retirement benefits adjustment	0	0	0	(48)
Other comprehensive (loss) income before tax	(4,039)	(31,339)	484	(77,624)
Income tax benefit (expense) related to net unrealized holding (losses) gains on debt securities available-for-sale	1,130	8,771	(131)	21,640
Income tax (benefit) expense related to reclassification adjustment for (losses) gains included in net income	0	0	(5)	74
Income tax benefit related to post retirement benefit adjustment	0	0	0	13
Other comprehensive (loss) income, net of tax	(2,909)	(22,568)	348	(55,897)
Comprehensive income (loss)	$ 5,272	$ (5,589)	$ 29,795	$ (8,917)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders’ Equity - USD ($) $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Unallocated Common Stock Held by the Employee Stock Ownership Plan	Retained Earnings	Accumulated Other Comprehensive Income (loss) Net of tax	Treasury Stock
Beginning Balance, Common Stock (in shares) at Dec. 31, 2021		49,266,733
Beginning Balance at Dec. 31, 2021	$ 739,883	$ 648	$ 589,972	$ (17,058)	$ 381,361	$ 2,063	$ (217,103)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	46,980				46,980
Other comprehensive income (loss), net of tax	(55,897)					(55,897)
ESOP shares allocated or committed to be released	1,271		557	714
Stock compensation expense	1,301		1,301
Restricted stock issuance (in shares)		157,416
Restricted stock issuance	0		(2,484)				2,484
Restricted stock forfeitures (in shares)		(18,515)
Restricted stock forfeitures	0		265				(265)
Exercise of stock options, net (in shares)		18,040
Exercise of stock options, net	244		(9)				253
Cash dividends declared and paid	(18,207)				(18,207)
Repurchase of treasury stock (in shares)		(1,535,298)
Repurchase of treasury stock	(22,273)						(22,273)
Ending Balance, Common Stock (in shares) at Sep. 30, 2022		47,888,376
Ending Balance at Sep. 30, 2022	693,302	$ 648	589,602	(16,344)	410,134	(53,834)	(236,904)
Beginning Balance, Common Stock (in shares) at Jun. 30, 2022		48,684,875
Beginning Balance at Jun. 30, 2022	715,273	$ 648	588,940	(16,584)	399,131	(31,266)	(225,596)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	16,979				16,979
Other comprehensive income (loss), net of tax	(22,568)					(22,568)
ESOP shares allocated or committed to be released	419		179	240
Stock compensation expense	456		456
Restricted stock forfeitures (in shares)		(1,902)
Restricted stock forfeitures	0		28				(28)
Exercise of stock options, net (in shares)		1,000
Exercise of stock options, net	13		(1)				14
Cash dividends declared and paid	(5,976)				(5,976)
Repurchase of treasury stock (in shares)		(795,597)
Repurchase of treasury stock	(11,294)						(11,294)
Ending Balance, Common Stock (in shares) at Sep. 30, 2022		47,888,376
Ending Balance at Sep. 30, 2022	$ 693,302	$ 648	589,602	(16,344)	410,134	(53,834)	(236,904)
Beginning Balance, Common Stock (in shares) at Dec. 31, 2022	47,442,488	47,442,488
Beginning Balance at Dec. 31, 2022	$ 701,390	$ 648	590,249	(15,650)	418,353	(48,331)	(243,879)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	29,447				29,447
Other comprehensive income (loss), net of tax	348					348
ESOP shares allocated or committed to be released	999		307	692
Stock compensation expense	1,803		1,803
Restricted stock issuance (in shares)		173,060
Restricted stock issuance	0		(2,670)				2,670
Restricted stock forfeitures (in shares)		(23,219)
Restricted stock forfeitures	$ 0		336				(336)
Exercise of stock options, net (in shares)	7,600	7,600
Exercise of stock options, net	$ 100		(7)				107
Cash dividends declared and paid	(17,265)				(17,265)
Repurchase of treasury stock (in shares)		(2,643,811)
Repurchase of treasury stock	$ (32,747)						(32,747)
Ending Balance, Common Stock (in shares) at Sep. 30, 2023	44,956,118	44,956,118
Ending Balance at Sep. 30, 2023	$ 684,075	$ 648	590,018	(14,958)	430,535	(47,983)	(274,185)
Beginning Balance, Common Stock (in shares) at Jun. 30, 2023		45,243,673
Beginning Balance at Jun. 30, 2023	686,641	$ 648	589,335	(15,192)	427,921	(45,074)	(270,997)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	8,181				8,181
Other comprehensive income (loss), net of tax	(2,909)					(2,909)
ESOP shares allocated or committed to be released	309		75	234
Stock compensation expense	580		580
Restricted stock forfeitures (in shares)		(1,967)
Restricted stock forfeitures	0		28				(28)
Cash dividends declared and paid	(5,567)				(5,567)
Repurchase of treasury stock (in shares)		(285,588)
Repurchase of treasury stock	$ (3,160)						(3,160)
Ending Balance, Common Stock (in shares) at Sep. 30, 2023	44,956,118	44,956,118
Ending Balance at Sep. 30, 2023	$ 684,075	$ 648	$ 590,018	$ (14,958)	$ 430,535	$ (47,983)	$ (274,185)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Statement of Stockholders' Equity [Abstract]
Dividends declared per share (usd per share)	$ 0.13	$ 0.13	$ 0.39	$ 0.39
Dividends paid per share (usd per share)	0.13	0.13	0.39	0.39
Treasury stock repurchased cost per share (usd per share)	$ 11.06	$ 14.20	$ 12.27	$ 14.51

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Statement of Cash Flows [Abstract]
Net income	$ 29,447	$ 46,980
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	1,082	3,255
ESOP and stock compensation expense	2,802	2,572
Depreciation	2,765	2,755
Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees	5,483	7,298
Amortization of debt issuance costs	167	56
Amortization of intangible assets	93	130
Amortization of operating lease right-of-use assets	3,526	3,468
Income on bank-owned life insurance	(2,679)	(2,548)
Net gain on sale of loans	(134)	(273)
Proceeds from sale of loans held-for-sale	1,583	0
Origination of loans held-for-sale	(1,449)	(504)
Losses (gains) on available-for-sale debt securities, net	17	(264)
(Gains) losses on trading securities, net	(723)	2,791
Loss (gain) on sale of other real estate owned, net	7	(17)
Net (purchases) sales of trading securities	(30)	596
Decrease (increase) in accrued interest receivable	71	(1,503)
Increase in other assets	(12,157)	(7,949)
Decrease in accrued expenses and other liabilities	2,813	1,518
Net cash provided by operating activities	32,684	58,361
Cash flows from investing activities:
Net decrease (increase) in loans receivable	10,190	(434,992)
Purchases of loans	(3,781)	(7,696)
Proceeds from sale of loans held-for-sale	0	2,796
Purchases of FHLB of New York stock	(44,998)	(25,043)
Redemptions of FHLB of New York stock	34,215	24,962
Purchases of debt securities available-for-sale	(765)	(168,988)
Purchases of equity securities	(185)	(3,229)
Principal payments and maturities on debt securities available-for-sale	205,310	249,213
Principal payments and maturities on debt securities held-to-maturity	630	674
Proceeds from sale of debt securities available-for-sale	0	41,464
Proceeds from bank-owned life insurance	0	1,526
Proceeds from sale of other real estate owned	63	125
Purchases and improvements of premises and equipment	(2,075)	(2,200)
Net cash provided by (used in) investing activities	198,604	(321,388)
Cash flows from financing activities:
Net (decrease) increase in deposits	(481,706)	234,825
Dividends paid	(17,265)	(18,207)
Exercise of stock options	100	244
Purchase of treasury stock	(32,747)	(22,273)
(Decrease) increase in advance payments by borrowers for taxes and insurance	(27)	1,228
Proceeds from issuance of subordinated debt, net of issuance costs	0	60,884
Proceeds from FHLB advances and other borrowings and securities sold under agreements to repurchase	743,553	105,923
Repayments related to securities sold under agreements to repurchase and other borrowings	(408,439)	(120,000)
Net cash (used in) provided by financing activities	(196,531)	242,624
Net increase (decrease) in cash and cash equivalents	34,757	(20,403)
Cash and cash equivalents at beginning of period	45,799	91,068
Cash and cash equivalents at end of period	80,556	70,665
Cash paid during the period for:
Interest	56,109	11,578
Income taxes	13,336	19,399
Non-cash transactions:
Loan charge-offs, net	5,219	345
Transfer of loans held-for-investment to other real estate owned	70	0
Right-of-use assets obtained in exchange for new lease liabilities	645	4,983
Transfer of loans held-for-investment to loans held-for-sale at fair value	$ 950	$ 2,523

Consolidated Financial Statemen

Consolidated Financial Statements	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Consolidated Financial Statements	Consolidated Financial Statements Basis of Presentation The consolidated financial statements are comprised of the accounts of Northfield Bancorp, Inc. and its wholly owned subsidiaries, Northfield Investments, Inc. and Northfield Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, NSB Services Corp. and NSB Realty Trust (collectively the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation. In the opinion of management, all adjustments (consisting solely of normal and recurring adjustments) necessary for the fair presentation of the consolidated balance sheets and the consolidated statements of comprehensive income for the unaudited periods presented have been included. The results of operations and other data presented for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2023 or for any other period. Whenever necessary, certain prior year amounts are reclassified to conform to the current year presentation. In preparing the unaudited consolidated financial statements in conformity with U.S. generally accepted accounting principles (“U.S. GAAP”), management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheets and for the periods indicated in the consolidated statements of comprehensive income. Material estimates that are particularly susceptible to change are: the allowance for credit losses and the valuation allowance against deferred tax assets. Estimates and assumptions are reviewed periodically and the effects of revisions are reflected in the consolidated financial statements in the period they are deemed necessary. While management uses its best judgment, actual amounts or results could differ significantly from those estimates. Certain information and note disclosures usually included in financial statements prepared in accordance with U.S. GAAP have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) for the preparation of interim financial statements. The consolidated financial statements presented should be read in conjunction with the audited consolidated financial statements and notes to consolidated financial statements included in the Company's Annual Report on Form 10-K for the year ended December 31, 2022, as filed with the SEC. Recent Accounting Pronouncements Adopted Effective January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) No. 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”). The amendments in this ASU were issued to (1) eliminate accounting guidance for Troubled Debt Restructurings (“TDRs”) by creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty; (2) require disclosures of current period gross write-offs by year of origination for financing receivables and net investments in leases. Under ASU 2022-02, the Company assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof. Prior to the adoption of ASU 2022-02, a TDR occurred when the terms of a loan were 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. For the Company's accounting policy related to TDRs granted prior to the adoption of ASU 2022-02, see “Note 1. Significant Accounting Policies” included in “Item 8. Financial Statements and Supplementary Data” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022. The Company adopted ASU 2022-02 on a prospective basis. The adoption of this update did not have a material effect on the Company’s consolidated financial statements. Additional disclosures are included in Note 5 to the consolidated financial statements.

Debt Securities Available-for-S

Debt Securities Available-for-Sale	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023, and December 31, 2022 (in thousands): September 30, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 75,898 $ — $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 390,580 — (43,536) 347,044 Real estate mortgage investment conduits ("REMICs"): GSE 236,907 — (15,347) 221,560 627,487 — (58,883) 568,604 Other debt securities: Municipal bonds 766 — (3) 763 Corporate bonds 106,498 — (4,475) 102,023 107,264 — (4,478) 102,786 Total debt securities available-for-sale $ 810,649 $ — $ (66,950) $ 743,699 December 31, 2022 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 76,150 $ — $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE 472,963 1 (40,346) 432,618 REMICs: GSE 280,870 — (16,146) 264,724 753,833 1 (56,492) 697,342 Other debt securities: Municipal bonds 21 — — 21 Corporate bonds 189,603 2 (6,871) 182,734 189,624 2 (6,871) 182,755 Total debt securities available-for-sale $ 1,019,607 $ 3 $ (67,437) $ 952,173 The following is a summary of the expected maturity distribution of debt securities available-for-sale, other than mortgage-backed securities, at September 30, 2023 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 148,348 $ 143,534 Due after one year through five years 34,814 31,561 $ 183,162 $ 175,095 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 debt 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 September 30, 2023 and December 31, 2022, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $567.7 million and $591.7 million, respectively. For the three months ended September 30, 2023, the Company had no sales of debt securities available-for-sale and no gross realized gains or losses. For the nine months ended September 30, 2023, the Company had no sales of debt securities available-for-sale, with gross realized gains of $22,000 and gross realized losses of $39,000 related to the payoff of securities. For the three months ended September 30, 2022, the Company had no sales of debt securities available-for-sale and no gross realized gains or losses. For the nine months ended September 30, 2022, the Company had gross proceeds of $41.5 million on sales and calls of debt securities available-for-sale, with gross realized gains of $264,000 and no gross realized losses. The Company recognized net losses of $295,000 and net gains of $723,000 on its trading securities portfolio during the three and nine months ended September 30, 2023, respectively. During the three and nine months ended September 30, 2022, the Company recognized net losses of $426,000 and $2.8 million, respectively, on its trading securities portfolio. 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 September 30, 2023 and December 31, 2022, were as follows (in thousands): September 30, 2023 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 $ — $ — $ (3,589) $ 72,309 $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: GSE (11) 302 (43,525) 346,732 (43,536) 347,034 REMICs: GSE — — (15,347) 221,560 (15,347) 221,560 Other debt securities: Municipal bonds (3) 763 — — (3) 763 Corporate bonds — — (4,475) 102,023 (4,475) 102,023 Total $ (14) $ 1,065 $ (66,936) $ 742,624 $ (66,950) $ 743,689 December 31, 2022 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 $ (3,942) $ 71,058 $ (132) $ 1,018 $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE (8,112) 142,605 (32,234) 289,890 (40,346) 432,495 REMICs: GSE (8,303) 180,612 (7,843) 84,112 (16,146) 264,724 Other debt securities: Corporate bonds (842) 35,778 (6,029) 129,174 (6,871) 164,952 Total $ (21,199) $ 430,053 $ (46,238) $ 504,194 $ (67,437) $ 934,247 The Company held 114 pass-through mortgage-backed securities issued or guaranteed by GSEs, 77 REMIC mortgage-backed securities issued or guaranteed by GSEs, 18 corporate bonds, and five U.S. Government agency securities that were in a continuous unrealized loss position of twelve months or greater at September 30, 2023. There were 11 pass-through mortgage-backed securities issued or guaranteed by GSEs and one municipal bond that were in an unrealized loss position of less than twelve months at September 30, 2023. Substantially all securities referred to above were rated investment grade at September 30, 2023. 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 as of September 30, 2023 or December 31, 2022. 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 its 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 totaled $1.9 million and $2.8 million, at September 30, 2023 and December 31, 2022, respectively, and was reported in accrued interest receivable on the consolidated balance sheets

Debt Securities Held-to-Maturit

Debt Securities Held-to-Maturity	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023 and December 31, 2022 (in thousands): September 30, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 10,114 $ — $ (743) $ 9,371 Total securities held-to-maturity $ 10,114 $ — $ (743) $ 9,371 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 10,760 $ 90 $ (461) $ 10,389 Total securities held-to-maturity $ 10,760 $ 90 $ (461) $ 10,389 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 nine months ended September 30, 2023 or September 30, 2022. At September 30, 2023 and December 31, 2022, debt securities held-to-maturity with a carrying value of $10.1 million and $2.0 million, respectively, were pledged to secure borrowings and deposits. Gross unrealized losses on mortgage-backed securities held-to-maturity, 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 September 30, 2023 and December 31, 2022 were as follows (in thousands): September 30, 2023 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value Mortgage-backed securities: Pass-through certificates: GSE $ (210) $ 5,948 $ (533) $ 3,423 $ (743) $ 9,371 Total $ (210) $ 5,948 $ (533) $ 3,423 $ (743) $ 9,371 December 31, 2022 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value Mortgage-backed securities: Pass-through certificates: GSE $ (461) $ 7,433 $ — $ — $ (461) $ 7,433 Total $ (461) $ 7,433 $ — $ — $ (461) $ 7,433 The Company held six pass-through mortgage-backed debt securities held-to-maturity issued or guaranteed by GSEs that were in a continuous unrealized loss position of twelve months or greater at September 30, 2023. The Company held five pass-through mortgage-backed debt securities held-to-maturity issued or guaranteed by GSEs that were in an unrealized loss position of less than twelve months at September 30, 2023. 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 $37,000 and $39,000, at September 30, 2023 and December 31, 2022, respectively, was reported in accrued interest receivable on the consolidated balance sheets

Equity Securities

Equity Securities	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023, and December 31, 2022 (in thousands): September 30, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 75,898 $ — $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 390,580 — (43,536) 347,044 Real estate mortgage investment conduits ("REMICs"): GSE 236,907 — (15,347) 221,560 627,487 — (58,883) 568,604 Other debt securities: Municipal bonds 766 — (3) 763 Corporate bonds 106,498 — (4,475) 102,023 107,264 — (4,478) 102,786 Total debt securities available-for-sale $ 810,649 $ — $ (66,950) $ 743,699 December 31, 2022 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 76,150 $ — $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE 472,963 1 (40,346) 432,618 REMICs: GSE 280,870 — (16,146) 264,724 753,833 1 (56,492) 697,342 Other debt securities: Municipal bonds 21 — — 21 Corporate bonds 189,603 2 (6,871) 182,734 189,624 2 (6,871) 182,755 Total debt securities available-for-sale $ 1,019,607 $ 3 $ (67,437) $ 952,173 The following is a summary of the expected maturity distribution of debt securities available-for-sale, other than mortgage-backed securities, at September 30, 2023 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 148,348 $ 143,534 Due after one year through five years 34,814 31,561 $ 183,162 $ 175,095 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 debt 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 September 30, 2023 and December 31, 2022, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $567.7 million and $591.7 million, respectively. For the three months ended September 30, 2023, the Company had no sales of debt securities available-for-sale and no gross realized gains or losses. For the nine months ended September 30, 2023, the Company had no sales of debt securities available-for-sale, with gross realized gains of $22,000 and gross realized losses of $39,000 related to the payoff of securities. For the three months ended September 30, 2022, the Company had no sales of debt securities available-for-sale and no gross realized gains or losses. For the nine months ended September 30, 2022, the Company had gross proceeds of $41.5 million on sales and calls of debt securities available-for-sale, with gross realized gains of $264,000 and no gross realized losses. The Company recognized net losses of $295,000 and net gains of $723,000 on its trading securities portfolio during the three and nine months ended September 30, 2023, respectively. During the three and nine months ended September 30, 2022, the Company recognized net losses of $426,000 and $2.8 million, respectively, on its trading securities portfolio. 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 September 30, 2023 and December 31, 2022, were as follows (in thousands): September 30, 2023 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 $ — $ — $ (3,589) $ 72,309 $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: GSE (11) 302 (43,525) 346,732 (43,536) 347,034 REMICs: GSE — — (15,347) 221,560 (15,347) 221,560 Other debt securities: Municipal bonds (3) 763 — — (3) 763 Corporate bonds — — (4,475) 102,023 (4,475) 102,023 Total $ (14) $ 1,065 $ (66,936) $ 742,624 $ (66,950) $ 743,689 December 31, 2022 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 $ (3,942) $ 71,058 $ (132) $ 1,018 $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE (8,112) 142,605 (32,234) 289,890 (40,346) 432,495 REMICs: GSE (8,303) 180,612 (7,843) 84,112 (16,146) 264,724 Other debt securities: Corporate bonds (842) 35,778 (6,029) 129,174 (6,871) 164,952 Total $ (21,199) $ 430,053 $ (46,238) $ 504,194 $ (67,437) $ 934,247 The Company held 114 pass-through mortgage-backed securities issued or guaranteed by GSEs, 77 REMIC mortgage-backed securities issued or guaranteed by GSEs, 18 corporate bonds, and five U.S. Government agency securities that were in a continuous unrealized loss position of twelve months or greater at September 30, 2023. There were 11 pass-through mortgage-backed securities issued or guaranteed by GSEs and one municipal bond that were in an unrealized loss position of less than twelve months at September 30, 2023. Substantially all securities referred to above were rated investment grade at September 30, 2023. 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 as of September 30, 2023 or December 31, 2022. 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 its 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 totaled $1.9 million and $2.8 million, at September 30, 2023 and December 31, 2022, respectively, and was reported in accrued interest receivable on the consolidated balance sheets

Loans

Loans	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Loans	Loans The following table summarizes the Company’s loans held-for-investment (in thousands): September 30, December 31, 2023 2022 Real estate loans: Multifamily $ 2,782,141 $ 2,824,579 Commercial mortgage 932,987 899,249 One-to-four family residential mortgage 164,525 173,946 Home equity and lines of credit 160,798 152,555 Construction and land 32,290 24,932 Total real estate loans 4,072,741 4,075,261 Commercial and industrial loans (1) 144,788 154,700 Other loans 2,074 2,230 Total commercial and industrial and other loans 146,862 156,930 Loans held-for-investment (excluding purchased credit-deteriorated (“PCD”) loans) 4,219,603 4,232,191 PCD loans 10,371 11,502 Total loans held-for-investment 4,229,974 4,243,693 Allowance for credit losses (38,480) (42,617) Net loans held-for-investment $ 4,191,494 $ 4,201,076 (1) Included in commercial and industrial loans at September 30, 2023 and December 31, 2022 are Payment Protection Program ("PPP") loans totaling $325,000 and $5.1 million, respectively. The Company had $950,000 of loans held-for-sale at September 30, 2023 and no loans held-for-sale at December 31, 2022. 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. 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 $10.4 million at September 30, 2023, as compared to $11.5 million at December 31, 2022. The majority of the PCD loan balances were acquired as part of a Federal Deposit Insurance Corporation-assisted transaction. At September 30, 2023, PCD loans consisted of approximately 10% home equity loans, 27% commercial real estate loans, 55% commercial and industrial loans, and 8% in one-to-four family residential loans. At December 31, 2022, PCD loans consisted of approximately 9% one-to-four family residential loans, 28% commercial real estate loans, 53% commercial and industrial loans, and 10% in 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 ( “LTV” ) 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. 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 and current period gross charge-offs, excluding PCD loans, by loan class, credit risk ratings and year of origination, at September 30, 2023 (in thousands): September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 86,526 $ 617,861 $ 652,903 $ 470,913 $ 250,844 $ 693,124 $ 601 $ 2,772,772 Special mention — — — — — 331 — 331 Substandard — — — — — 9,038 — 9,038 Total multifamily 86,526 617,861 652,903 470,913 250,844 702,493 601 2,782,141 Commercial Pass 84,267 209,944 156,104 66,719 88,529 310,461 2,143 918,167 Special mention — — — — — 722 — 722 Substandard — 2,851 — — — 10,947 300 14,098 Total commercial 84,267 212,795 156,104 66,719 88,529 322,130 2,443 932,987 One-to-four family residential Pass 6,226 27,036 12,115 8,435 9,138 99,554 952 163,456 Special mention — — — — — 352 — 352 Substandard — — — — — 717 — 717 Total one-to-four family residential 6,226 27,036 12,115 8,435 9,138 100,623 952 164,525 Home equity and lines of credit Pass 18,647 34,510 15,648 7,357 5,512 14,314 64,478 160,466 Special mention — — — — — 68 — 68 Substandard — — 22 — 90 152 — 264 Total home equity and lines of credit 18,647 34,510 15,670 7,357 5,602 14,534 64,478 160,798 Construction and land Pass 753 8,319 1,725 10,251 1,213 7,378 2,651 32,290 Total construction and land 753 8,319 1,725 10,251 1,213 7,378 2,651 32,290 Total real estate loans 196,419 900,521 838,517 563,675 355,326 1,147,158 71,125 4,072,741 Commercial and industrial Pass 7,025 27,846 18,348 2,932 2,818 8,032 61,651 128,652 Special mention — 250 — 61 — 106 — 417 Substandard 5 941 14,196 116 96 365 — 15,719 Total commercial and industrial 7,030 29,037 32,544 3,109 2,914 8,503 61,651 144,788 Current period gross charge-offs 1,488 2,164 1,101 437 12 113 — 5,315 Other Pass 1,950 — — 56 — 14 44 2,064 Substandard — — — — — — 10 10 Total other 1,950 — — 56 — 14 54 2,074 Total loans held-for-investment $ 205,399 $ 929,558 $ 871,061 $ 566,840 $ 358,240 $ 1,155,675 $ 132,830 $ 4,219,603 Total current-period gross charge-offs $ 1,488 $ 2,164 $ 1,101 $ 437 $ 12 $ 113 $ — $ 5,315 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, 2022 (in thousands): December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 632,613 $ 676,370 $ 500,069 $ 255,374 $ 204,810 $ 545,335 $ 521 $ 2,815,092 Substandard — — — — 3,525 5,962 — 9,487 Total multifamily 632,613 676,370 500,069 255,374 208,335 551,297 521 2,824,579 Commercial Pass 213,621 147,419 68,215 90,644 72,512 275,606 1,664 869,681 Special mention — — — — — 4,852 — 4,852 Substandard 2,889 10,574 — — — 11,253 — 24,716 Total commercial 216,510 157,993 68,215 90,644 72,512 291,711 1,664 899,249 One-to-four family residential Pass 26,432 12,340 8,623 10,057 7,227 105,787 1,006 171,472 Special mention — — — — — 1,716 — 1,716 Substandard — — — — — 758 — 758 Total one-to-four family residential 26,432 12,340 8,623 10,057 7,227 108,261 1,006 173,946 Home equity and lines of credit Pass 36,513 16,053 8,198 5,948 4,484 11,315 69,539 152,050 Special mention — — — — — 70 — 70 Substandard — — — 92 48 295 — 435 Total home equity and lines of credit 36,513 16,053 8,198 6,040 4,532 11,680 69,539 152,555 Construction and land Pass 8,121 1,145 6,335 1,276 1,427 3,905 653 22,862 Substandard — — — — 2,070 — — 2,070 Total construction and land 8,121 1,145 6,335 1,276 3,497 3,905 653 24,932 Total real estate loans 920,189 863,901 591,440 363,391 296,103 966,854 73,383 4,075,261 Commercial and industrial Pass 16,941 14,805 7,754 3,754 1,460 8,172 98,969 151,855 Special mention — — 48 — — 124 214 386 Substandard 291 482 96 50 200 217 1,123 2,459 Total commercial and industrial 17,232 15,287 7,898 3,804 1,660 8,513 100,306 154,700 Other Pass 2,010 — 114 5 6 21 74 2,230 Total other 2,010 — 114 5 6 21 74 2,230 Total loans held-for-investment $ 939,431 $ 879,188 $ 599,452 $ 367,200 $ 297,769 $ 975,388 $ 173,763 $ 4,232,191 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 $9.6 million and $9.8 million at September 30, 2023 and December 31, 2022, 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 prior to the adoption of ASU 2022-02 are individually evaluated. The non-accrual amounts included in loans individually evaluated for impairment were $5.0 million and $5.2 million at September 30, 2023, and December 31, 2022, 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 $4.6 million at both September 30, 2023 and December 31, 2022, respectively. Loans past due 90 days or more and still accruing interest were $592,000 and $425,000 at September 30, 2023 and December 31, 2022, respectively, and consisted of loans that are well-secured and in the process of collection. 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 September 30, 2023, and December 31, 2022, excluding PCD loans (in thousands): September 30, 2023 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 $ 2,248 $ — $ 825 $ 3,073 $ 209 $ 3,282 Total multifamily 2,248 — 825 3,073 209 3,282 Commercial Substandard 2,875 — 2,560 5,435 114 5,549 Total commercial 2,875 — 2,560 5,435 114 5,549 One-to-four family residential Substandard 79 — 27 106 139 245 Total one-to-four family residential 79 — 27 106 139 245 Home equity and lines of credit Pass — — — — 39 39 Substandard 22 — 76 98 76 174 Total home equity and lines of credit 22 — 76 98 115 213 Total real estate 5,224 — 3,488 8,712 577 9,289 Commercial and industrial loans Pass — — — — 15 15 Substandard 97 — 751 848 — 848 Total commercial and industrial loans 97 — 751 848 15 863 Other loans Substandard — — 10 10 — 10 Total other — — 10 10 — 10 Total non-performing loans $ 5,321 $ — $ 4,249 $ 9,570 $ 592 $ 10,162 December 31, 2022 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 $ 1,923 $ — $ 1,362 $ 3,285 $ 233 $ 3,518 Total multifamily 1,923 — 1,362 3,285 233 3,518 Commercial Substandard 2,806 431 1,947 5,184 8 5,192 Total commercial 2,806 431 1,947 5,184 8 5,192 One-to-four family residential Substandard — — 118 118 155 273 Total one-to-four family residential — — 118 118 155 273 Home equity and lines of credit Substandard 186 — 76 262 — 262 Total home equity and lines of credit 186 — 76 262 — 262 Total real estate 4,915 431 3,503 8,849 396 9,245 Commercial and industrial loans Substandard — 26 938 964 24 988 Total commercial and industrial loans — 26 938 964 24 988 Other loans Pass — — — — 5 5 Total other — — — — 5 5 Total non-performing loans $ 4,915 $ 457 $ 4,441 $ 9,813 $ 425 $ 10,238 The following tables set forth the detail and delinquency status of loans held-for-investment, excluding PCD loans, net of deferred fees and costs, at September 30, 2023, and December 31, 2022 (in thousands): September 30, 2023 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 $ 178 $ — $ — $ 178 $ 2,772,594 $ 2,772,772 Special mention — — — — 331 331 Substandard — 825 209 1,034 8,004 9,038 Total multifamily 178 825 209 1,212 2,780,929 2,782,141 Commercial Pass 716 — — 716 917,451 918,167 Special mention — — — — 722 722 Substandard 1,176 2,560 114 3,850 10,248 14,098 Total commercial 1,892 2,560 114 4,566 928,421 932,987 One-to-four family residential Pass 2,643 — — 2,643 160,813 163,456 Special mention 65 — — 65 287 352 Substandard — 27 139 166 551 717 Total one-to-four family residential 2,708 27 139 2,874 161,651 164,525 Home equity and lines of credit Pass 1,116 — 39 1,155 159,311 160,466 Special mention — — — — 68 68 Substandard 90 76 76 242 22 264 Total home equity and lines of credit 1,206 76 115 1,397 159,401 160,798 Construction and land Pass — — — — 32,290 32,290 Total construction and land — — — — 32,290 32,290 Total real estate 5,984 3,488 577 10,049 4,062,692 4,072,741 Commercial and industrial Pass 1,574 — 15 1,589 127,063 128,652 Special mention 293 — — 293 124 417 Substandard 250 751 — 1,001 14,718 15,719 Total commercial and industrial 2,117 751 15 2,883 141,905 144,788 Other loans Pass 4 — — 4 2,060 2,064 Substandard — 10 — 10 — 10 Total other loans 4 10 — 14 2,060 2,074 Total loans held-for-investment $ 8,105 $ 4,249 $ 592 $ 12,946 $ 4,206,657 $ 4,219,603 December 31, 2022 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 $ 189 $ — $ — $ 189 $ 2,814,903 $ 2,815,092 Substandard — 1,362 233 1,595 7,892 9,487 Total multifamily 189 1,362 233 1,784 2,822,795 2,824,579 Commercial Pass 726 — — 726 868,955 869,681 Special mention — — — — 4,852 4,852 Substandard 605 1,947 8 2,560 22,156 24,716 Total commercial 1,331 1,947 8 3,286 895,963 899,249 One-to-four family residential Pass 603 — — 603 170,869 171,472 Special mention 69 — — 69 1,647 1,716 Substandard — 118 155 273 485 758 Total one-to-four family residential 672 118 155 945 173,001 173,946 Home equity and lines of credit Pass 657 — — 657 151,393 152,050 Special mention — — — — 70 70 Substandard 173 76 — 249 186 435 Total home equity and lines of credit 830 76 — 906 151,649 152,555 Construction and land Pass — — — — 22,862 22,862 Substandard — — — — 2,070 2,070 Total construction and land — — — — 24,932 24,932 Total real estate 3,022 3,503 396 6,921 4,068,340 4,075,261 Commercial and industrial Pass 573 — — 573 151,282 151,855 Special mention — — — — 386 386 Substandard 498 938 24 1,460 999 2,459 Total commercial and industrial 1,071 938 24 2,033 152,667 154,700 Other loans Pass 5 — 5 10 2,220 2,230 Total other loans 5 — 5 10 2,220 2,230 Total loans held-for-investment $ 4,098 $ 4,441 $ 425 $ 8,964 $ 4,223,227 $ 4,232,191 The following tables summarize information on non-accrual loans, excluding PCD loans, as of September 30, 2023 and December 31, 2022 (in thousands): September 30, 2023 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 3,073 $ 3,360 $ 1,917 Commercial 5,435 5,890 3,019 One-to-four family residential 106 106 — Home equity and lines of credit 98 348 — Commercial and industrial 848 4,468 80 Other 10 9 — Total non-accrual loans $ 9,570 $ 14,181 $ 5,016 December 31, 2022 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 3,285 $ 3,294 $ 2,050 Commercial 5,184 5,639 3,069 One-to-four family residential 118 118 — Home equity and lines of credit 262 512 — Commercial and industrial 964 1,288 67 Total non-accrual loans $ 9,813 $ 10,851 $ 5,186 The following table summarizes interest income on non-accrual loans, excluding PCD loans, during the three and nine months ended September 30, 2023 and September 30, 2022 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Real estate loans: Multifamily $ 41 $ 25 $ 144 $ 73 Commercial 63 26 183 108 One-to-four family residential 1 — 6 10 Home equity and lines of credit — 5 1 16 Commercial and industrial 48 6 77 14 Total interest income on non-accrual loans $ 153 $ 62 $ 411 $ 221 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 September 30, 2023 and December 31, 2022, the Company had $7.0 million and $7.4 million of collateral-dependent impaired loans, respectively. The collateral-dependent loans at September 30, 2023 consisted of $4.7 million of commercial real estate loans, $1.9 million of multifamily loans, and $309,000 of one-to-four family residential loans. For the nine months ended September 30, 2023, there was no significant deterioration or changes in the collateral securing these loans. Loan Modifications Made to Borrowers Experiencing Financial Difficulty Effective January 1, 2023, the Company adopted ASU 2022-02, which eliminated the accounting for TDRs while expanding loan modification and vintage disclosure requirements. See Note 1 to the consolidated financial statements for further information. The following tables present the amortized cost basis at September 30, 2023 of loan modifications made to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2023 by class and by type of modification (dollars in thousands): Three Months Ended September 30, 2023 Payment Delay Term Extension (1) Payment Delay and Interest Rate Reduction Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial mortgage $ 171 $ — $ — $ — $ 171 0.02 % Commercial and industrial 96 13,379 — 390 13,865 9.58 % Total loans $ 267 $ 13,379 $ — $ 390 $ 14,036 Nine Months Ended September 30, 2023 Payment Delay Term Extension (1) Payment Delay and Interest Rate Reduction Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial mortgage $ 236 $ — $ — $ — $ 236 0.03 % Commercial and industrial 96 13,379 208 636 14,319 9.89 % Total loans $ 332 $ 13,379 $ 208 $ 636 $ 14,555 (1) Represents one loan that was risk rated substandard and was modified during the three months ended September 30, 2023, to receive a maturity extension of 90-days through November 1, 2023. This loan previously had multiple extensions. The loan was originally downgraded to substandard due to operating losses, however the current debt service coverage ratio is 1.84x and the loan is adequately secured by receivables in excess of $18 million. The loan is current as of September 30, 2023. The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023 (in thousands): Weighted-Average Term Extension (in months) Weighted-Average Interest Rate Reduction Three Months Ended September 30, 2023 Commercial and industrial 3.4 2.87 % Nine Months Ended September 30, 2023 Commercial and industrial 3.5 3.75 % No modifications involved forgiveness of principal. There were no commitments to lend additional funds to borrowers experiencing financial difficulty whose terms have been restructured at September 30, 2023. For restructured loans, a subsequent payment default is defined in terms of delinquency, when a principal or interest payment is 90 days past due or classified into non-accrual status during the reporting period. Of the loans restructured during the three and nine months ended September 30, 2023 (since adoption of ASU 2022-02), there was one commercial and industrial loan with a balance of approximately $76,000 that subsequently defaulted and was charged-off during the quarter ended September 30, 2023. The Company closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of the modification efforts. The following tables present the aging analysis of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023 (in thousands): Three Months Ended September 30, 2023 Current 30-89 Days Past Due 90 Days or More Past Due Non-Accrual Total Commercial mortgage $ — $ — $ — $ 171 $ 171 Commercial and industrial 13,865 — — — 13,865 Total loans $ 13,865 $ — $ — $ 171 $ 14,036 Nine Months Ended September 30, 2023 Current 30-89 Days Past Due 90 Days or More Past Due Non-Accrual Total Commercial mortgage $ — $ 65 $ — $ 171 $ 236 Commercial and industrial 14,319 — — — 14,319 Total loans $ 14,319 $ 65 $ — $ 171 $ 14,555 Troubled Debt Restructured Loans prior to the adoption of ASU 2022-02 Prior to the adoption of ASU 2022-02, the Company classified certain loans as TDRs when credit terms to a borrower in financial difficulty were modified, in accordance with ASC 310-40. With the adoption of ASU 2022-02 the Company has ceased to recognize or measure for new TDRs, but those existing at December 31, 2022 will remain until settled. There were no loans modified as a TDR during the three or nine months ended September 30, 2022. At December 31, 2022 the Company had TDRs of $7.0 million. 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. At September 30, 2022, there were no restructured TDRs during the preceding twelve months that subsequently defaulted.

Allowance for Credit Losses (_A

Allowance for Credit Losses (“ACL”) on Loans	9 Months Ended
	Sep. 30, 2023
Credit Loss [Abstract]
Allowance for Credit Losses (“ACL”) on Loans	Allowance for Credit Losses (“ACL”) on 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 the potential default, taking into consideration estimated 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. 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 loans previously modified as TDRs and non-accrual loans with an outstanding balance of $500,000 or greater. Loans individually evaluated for impairment are assessed to determine whether 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 for modified loans 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 September 30, 2023 and December 31, 2022, the ACL for loans individually evaluated for impairment was $45,300 and $38,200, respectively. 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 already on the books). 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 Current Expected Credit Losses (“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 as of, and for, the three and nine months ended September 30, 2023, and September 30, 2022 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Balance at beginning of period $ 241 $ 2,480 $ 791 $ 1,852 Provision (benefit) for credit losses 160 (1,888) (390) (1,260) Balance at end of period $ 401 $ 592 $ 401 $ 592 The following tables set forth activity in our allowance for credit losses on loans, by loan type, as of, and for the three and nine months ended September 30, 2023, and September 30, 2022 (in thousands): Three Months Ended September 30, 2023 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 $ 24,733 $ 3,814 $ 1,278 $ 301 $ 7,295 $ 7 $ 37,428 $ 3,726 $ 41,154 Charge-offs — — — — (2,904) — (2,904) — (2,904) Recoveries 14 — — — 20 — 34 8 42 Provisions (credit) (409) (243) 77 (2) 1,391 — 814 (626) 188 Ending balance $ 24,338 $ 3,571 $ 1,355 $ 299 $ 5,802 $ 7 $ 35,372 $ 3,108 $ 38,480 Three Months Ended September 30, 2022 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 $ 28,065 $ 3,005 $ 802 $ 285 $ 2,705 $ 11 $ 34,873 $ 4,158 $ 39,031 Charge-offs — — — — — — — (75) (75) Recoveries 4 7 19 — 12 4 46 178 224 Provisions (credit) 2,117 553 53 (10) 238 (9) 2,942 (239) 2,703 Ending balance $ 30,186 $ 3,565 $ 874 $ 275 $ 2,955 $ 6 $ 37,861 $ 4,022 $ 41,883 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. Nine Months Ended September 30, 2023 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 $ 29,485 $ 3,936 $ 866 $ 324 $ 4,114 $ 9 $ 38,734 $ 3,883 $ 42,617 Charge-offs — — — — (5,315) — (5,315) (8) (5,323) Recoveries 48 — 1 — 47 — 96 8 104 Provisions (credit) (5,195) (365) 488 (25) 6,956 (2) 1,857 (775) 1,082 Ending balance $ 24,338 $ 3,571 $ 1,355 $ 299 $ 5,802 $ 7 $ 35,372 $ 3,108 $ 38,480 Nine Months Ended September 30, 2022 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 $ 26,785 $ 3,545 $ 560 $ 169 $ 3,173 $ 9 $ 34,241 $ 4,732 $ 38,973 Charge-offs — — — — (185) — (185) (600) (785) Recoveries 101 7 19 — 131 4 262 178 440 Provisions (credit) 3,300 13 295 106 (164) (7) 3,543 (288) 3,255 Ending balance $ 30,186 $ 3,565 $ 874 $ 275 $ 2,955 $ 6 $ 37,861 $ 4,022 $ 41,883 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. The allowance for credit losses on loans decreased to $38.5 million at September 30, 2023, compared to $42.6 million as of December 31, 2022, primarily due to a decrease in loan balances, a decrease in reserves related to non-economic qualitative loss factors in the multifamily and commercial real estate portfolios, and a decrease in reserves related to the PCD portfolio, attributable to improved cash flow and higher charge-offs. The following tables 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 the allowance for credit losses that is allocated to each loan portfolio segment, at September 30, 2023 and December 31, 2022 (in thousands): September 30, 2023 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: Ending balance: individually evaluated for impairment $ 24 $ — $ 3 $ — $ 18 $ — $ 45 $ — $ 45 Ending balance: collectively evaluated for impairment 24,313 3,571 1,353 299 5,784 7 35,327 — 35,327 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 3,108 3,108 Loans, net: Ending balance $ 3,715,128 $ 164,525 $ 160,798 $ 32,290 $ 144,788 $ 2,074 $ 4,219,603 $ 10,371 $ 4,229,974 Ending balance: individually evaluated for impairment 7,681 624 24 — 87 — 8,416 — 8,416 Ending balance: collectively evaluated for impairment 3,707,447 163,901 160,774 32,290 144,376 2,074 4,210,862 — 4,210,862 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 10,371 10,371 PPP loans not evaluated for impairment (3) — — — — 325 — 325 — 325 December 31, 2022 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: Ending balance: individually evaluated for impairment $ 18 $ — $ 2 $ — $ 18 $ — $ 38 $ — $ 38 Ending balance: collectively evaluated for impairment 29,467 3,936 864 324 4,096 9 38,696 — 38,696 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 3,883 3,883 Loans, net: Ending balance $ 3,723,828 $ 173,946 $ 152,555 $ 24,932 $ 154,700 $ 2,230 $ 4,232,191 $ 11,502 $ 4,243,693 Ending balance: individually evaluated for impairment 8,152 666 27 — 94 — 8,939 — 8,939 Ending balance: collectively evaluated for impairment 3,715,676 173,280 152,528 24,932 149,463 2,230 4,218,109 — 4,218,109 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 11,502 11,502 PPP loans not evaluated for impairment (3) — — — — 5,143 — 5,143 — 5,143 (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.

Deposits

Deposits	9 Months Ended
	Sep. 30, 2023
Deposits [Abstract]
Deposits	Deposits Deposit account balances are summarized as follows (in thousands): September 30, 2023 December 31, 2022 Non-interest-bearing checking $ 727,605 $ 852,660 Negotiable orders of withdrawal (“NOW”) and interest-bearing checking 1,150,647 1,132,290 Savings and money market 1,259,519 1,425,247 Certificates of deposit 530,742 740,022 Total deposits $ 3,668,513 $ 4,150,219 Interest expense on deposit accounts is summarized for the periods indicated (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 NOW and interest-bearing checking, savings, and money market $ 8,865 $ 701 $ 19,194 $ 1,871 Certificates of deposit 4,749 1,420 12,724 2,743 Total interest expense on deposit accounts $ 13,614 $ 2,121 $ 31,918 $ 4,614

Subordinated Debt

Subordinated Debt	9 Months Ended
	Sep. 30, 2023
Debt Disclosure [Abstract]
Subordinated Debt	Subordinated DebtOn June 17, 2022, the Company issued $62.0 million in aggregate principal amount of fixed-to-floating subordinated notes (the “Notes”) to certain institutional investors. The Notes mature on June 30, 2032, unless redeemed earlier. The Notes initially bear interest, payable semi-annually in arrears, at a fixed rate of 5.00% per annum until June 30, 2027. Beginning June 30, 2027 and until maturity or redemption, the interest rate applicable to the outstanding principal amount of the Notes due will reset quarterly to an interest rate per annum equal to the then current three-month Secured Overnight Financing Rate plus 200 basis points, payable quarterly in arrears. The Company has the option to redeem the Notes, at par and in whole or in part, beginning on June 30, 2027 and to redeem the Notes at any time in whole upon certain other events. Any redemption of the Notes will be subject to prior regulatory approval to the extent required. Debt issuance costs totaled $1.1 million and are being amortized to maturity. The Company recognized amortization expense of $56,000 and $167,000 for the three and nine months ended September 30, 2023, respectively. The Company recognized amortization expense of $56,000 for both the three and nine months ended September 30, 2022. The Company intends to use the net proceeds from the issuance of the Notes for general corporate purposes, including to fund potential repurchases of shares of the Company’s outstanding common stock.

Equity Incentive Plans

Equity Incentive Plans	9 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Equity Incentive Plans	Equity Incentive Plans The following table is a summary of the Company’s stock options outstanding as of September 30, 2023, and changes therein during the nine months then ended. Number of Stock Options Weighted Average Grant Date Fair Value Weighted Average Exercise Price Weighted Average Contractual Life (years) Outstanding - December 31, 2022 1,582,826 $ 4.03 $ 14.04 2.01 Forfeited or cancelled (30,920) 3.97 13.79 — Exercised (7,600) 3.91 13.13 — Outstanding - September 30, 2023 1,544,306 4.03 14.05 1.26 Exercisable - September 30, 2023 1,544,306 4.03 14.05 1.26 On January 27, 2023, the Company granted to directors and employees, under the 2019 Equity Incentive Plan, 157,525 restricted stock awards with a total grant-date fair value of $2.3 million. Of these grants, 33,813 vest one year from the date of grant and 123,712 vest in equal installments over a three-year period beginning one year from the date of grant. The Company also issued 34,724 performance-based restricted stock units to its executive officers with a total grant date fair value of $499,000. 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 27, 2026. At the end of the performance period, the number of actual shares to be awarded may vary between 0% and 120% of target amounts. The following is a summary of the status of the Company’s restricted stock awards and performance-based restricted stock units at September 30, 2023, and changes therein during the nine months then ended. Number of Shares Awarded Weighted Average Grant Date Fair Value Non-vested at December 31, 2022 321,501 $ 14.66 Granted 192,249 14.37 Incremental performance-based restricted stock units earned 10,353 — Vested (124,586) 13.96 Forfeited (37,123) 14.33 Non-vested at September 30, 2023 362,394 14.36 Expected future stock award expense related to the non-vested restricted share awards and performance-based restricted stock units as of September 30, 2023, was $3.7 million over a weighted average period of 1.9 years. During the three months ended September 30, 2023 and September 30, 2022, the Company recorded $577,000 and $456,000, respectively, of stock-based compensation related to the above plan. During the nine months ended September 30, 2023 and September 30, 2022, the Company recorded $1.8 million and $1.3 million, respectively, of stock-based compensation related to the above plan.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of September 30, 2023, and December 31, 2022, by level within the fair value hierarchy as required by the Fair Value Measurements and Disclosures Topic of the FASB 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. The methods of determining the fair value of assets and liabilities presented in this note are consistent with our methodologies disclosed in Note 17 to the Consolidated Financial Statements of the Company’s 2022 Annual Report on Form 10-K. Fair Value Measurements at September 30, 2023 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S. Government agency $ 72,309 $ — $ 72,309 $ — Mortgage-backed securities: Pass-through certificates: GSE 347,044 — 347,044 — REMICs: GSE 221,560 — 221,560 — 568,604 — 568,604 — Other debt securities: Municipal bonds 763 — 763 — Corporate bonds 102,023 — 102,023 — 102,786 — 102,786 — Total debt securities available-for-sale 743,699 — 743,699 — Trading securities 11,504 11,504 — — Equity securities (1) 348 348 — — Total $ 755,551 $ 11,852 $ 743,699 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,376 $ — $ — $ 2,376 Multifamily 1,917 — — 1,917 Home equity and lines of credit 21 — — 21 Total individually evaluated real estate loans 4,314 — — 4,314 Commercial and industrial loans 60 — — 60 Total $ 4,374 $ — $ — $ 4,374 (1) Excludes investment measured at net asset value of $10.3 million at September 30, 2023, which has not been classified in the fair value hierarchy. Fair Value Measurements at December 31, 2022 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S. Government agency securities $ 72,076 $ — $ 72,076 $ — Mortgage-backed securities: Pass-through certificates: GSE 432,618 — 432,618 — REMICs: GSE 264,724 — 264,724 — 697,342 — 697,342 — Other debt securities: Municipal bonds 21 — 21 — Corporate bonds 182,734 — 182,734 — 182,755 — 182,755 — Total debt securities available-for-sale 952,173 — 952,173 — Trading securities 10,751 10,751 — — Equity securities (1) 361 361 — — Total $ 963,285 $ 11,112 $ 952,173 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,631 $ — $ — $ 2,631 Multifamily 1,923 — — 1,923 Home equity and lines of credit 24 — — 24 Total impaired real estate loans 4,578 — — 4,578 Commercial and industrial loans 62 — — 62 Total $ 4,640 $ — $ — $ 4,640 (1) Excludes investment measured at net asset value of $10.1 million at December 31, 2022, which has not been classified in the fair value hierarchy. The following table presents qualitative information for Level 3 assets measured at fair value on a non-recurring basis at September 30, 2023 and December 31, 2022 (dollars in thousands): Fair Value Valuation Methodology Unobservable Range of Inputs September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 Individually evaluated loans $ 4,374 $ 4,640 Appraisals Discount for costs to sell 7.0% 7.0% Discount for quick sale 10.0% 10.0% Discounted cash flows Interest rates 4.88% to 7.50% 4.88% to 7.50% The valuation techniques described below were used to measure fair value of financial instruments in the tables below on a recurring basis and a non-recurring basis at September 30, 2023, and December 31, 2022. 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 nine months ended September 30, 2023 or September 30, 2022. 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 September 30, 2023 and December 31, 2022, the Company had loans individually evaluated for impairment (excluding PCD loans) with outstanding principal balances of $6.1 million and $6.7 million, respectively, which were recorded at their estimated fair value of $4.4 million and $4.6 million, respectively. The Company recorded net increases in the specific reserve for impaired loans of $7,100 and $15,400 for the nine months ended September 30, 2023 and September 30, 2022, respectively. Net charge-offs of $5.2 million and $345,000 were recorded for the nine months ended September 30, 2023 and September 30, 2022, respectively, 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 September 30, 2023 and December 31, 2022, the Company had no assets acquired through foreclosure. In addition, the Company may be required, from time to time, to measure the fair value of certain other financial assets on a nonrecurring 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) Federal Home Loan Bank of New York Stock Federal Home Loan Bank of New York ( “ FHLBNY”) stock is carried at cost, which approximates fair 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 September 30, 2023 and December 31, 2022, are presented in the following tables (in thousands): September 30, 2023 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 80,556 $ 80,556 $ — $ — $ 80,556 Trading securities 11,504 11,504 — — 11,504 Debt securities available-for-sale 743,699 — 743,699 — 743,699 Debt securities held-to-maturity 10,114 — 9,371 — 9,371 Equity securities (1) 348 348 — — 348 FHLBNY stock, at cost 41,165 — 41,165 — 41,165 Loans held-for-sale 950 — — 950 950 Net loans held-for-investment 4,191,494 — — 3,942,539 3,942,539 Derivative assets 6,515 — 6,515 — 6,515 Financial liabilities: Deposits $ 3,668,513 $ — $ 3,669,988 $ — $ 3,669,988 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 918,973 — 850,551 — 850,551 Subordinated debentures, net of issuance costs 61,163 — 45,196 — 45,196 Advance payments by borrowers for taxes and insurance 25,968 — 25,968 — 25,968 Derivative liabilities 6,516 — 6,516 — 6,516 (1) Excludes investment measured at net asset value of $10.3 million at September 30, 2023, which has not been classified in the fair value hierarchy. December 31, 2022 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 45,799 $ 45,799 $ — $ — $ 45,799 Trading securities 10,751 10,751 — — 10,751 Debt securities available-for-sale 952,173 — 952,173 — 952,173 Debt securities held-to-maturity 10,760 — 10,389 — 10,389 Equity securities (1) 361 361 — — 361 FHLBNY stock, at cost 30,382 — 30,382 — 30,382 Net loans held-for-investment 4,201,076 — — 4,016,849 4,016,849 Derivative assets 5,321 — 5,321 — 5,321 Financial liabilities: Deposits $ 4,150,219 $ — $ 4,148,938 $ — $ 4,148,938 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 583,859 — 564,588 — 564,588 Subordinated debentures, net of issuance costs 60,996 54,393 54,393 Advance payments by borrowers for taxes and insurance 25,995 — 25,995 — 25,995 Derivative liabilities 5,321 — 5,321 — 5,321 (1) Excludes investment measured at net asset value of $10.1 million at December 31, 2022, which has not been classified in the fair value hierarchy. 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	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Basic earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares outstanding during the period. For purposes of calculating basic earnings per share, weighted average common shares outstanding excludes unallocated employee stock ownership plan (“ESOP”) shares that have not been committed for release and unvested restricted stock and performance-based restricted stock units. Diluted earnings per share is computed using the same method as basic earnings per share, but reflects the potential dilution that could occur if stock options were exercised and converted into common stock and unvested shares of restricted stock and performance-based restricted stock units vested. These potentially dilutive shares are then included in the weighted average number of shares outstanding for the period using the treasury stock method. When applying the treasury stock method, we added the assumed proceeds from option exercises and the average unamortized compensation costs related to unvested shares of restricted stock, performance-based restricted stock units 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. 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 per share data): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Net income available to common stockholders $ 8,181 $ 16,979 $ 29,447 $ 46,980 Weighted average shares outstanding-basic 42,866,246 46,047,104 43,848,873 46,486,086 Effect of non-vested restricted stock and stock, performance-based restricted stock units and options outstanding 51,928 189,557 78,477 170,997 Weighted average shares outstanding-diluted 42,918,174 46,236,661 43,927,350 46,657,083 Earnings per share-basic $ 0.19 $ 0.37 $ 0.67 $ 1.01 Earnings per share-diluted $ 0.19 $ 0.37 $ 0.67 $ 1.01 Anti-dilutive shares 1,707,261 738,103 1,492,290 978,187

Leases

Leases	9 Months Ended
	Sep. 30, 2023
Leases [Abstract]
Leases	LeasesThe Company’s leases primarily relate to real estate property for branches and office space with terms extending from two months up to 31.8 years. At September 30, 2023, all of the Company’s leases are classified as operating leases, which are required to be recognized on the consolidated balance sheets 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 on 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 September 30, 2023, the Company’s operating lease right-of-use assets and operating lease liabilities included on the consolidated balance sheet were $31.4 million and $36.5 million, respectively. At December 31, 2022, the Company’s operating lease right-of-use assets and operating lease liabilities included on the consolidated balance sheet were $34.3 million and $39.8 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 on the consolidated statements of comprehensive income. Supplemental lease information at or for the three and nine months ended September 30, 2023, and September 30, 2022 is as follows (dollars in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Operating lease cost $ 1,471 $ 1,499 $ 4,482 $ 4,489 Variable lease cost 1,067 964 2,909 2,792 Net lease cost $ 2,538 $ 2,463 $ 7,391 $ 7,281 Cash paid for amounts included in measurement of operating lease liabilities $ 1,632 $ 1,590 $ 4,853 $ 4,751 Right-of-use assets obtained in exchange for new operating lease liabilities $ 582 $ — $ 645 $ 4,983 Weighted average remaining lease term 11.10 years 11.29 years Weighted average discount rate 3.59 % 3.53 % 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 (in thousands): Year Amount 2023 $ 1,635 2024 6,133 2025 5,792 2026 5,029 2027 4,068 Thereafter 23,146 Total lease payments 45,803 Less: imputed interest (9,268) Present value of lease liabilities $ 36,535 During the nine months ended September 30, 2023, the Company entered into a new lease for commercial banking space in Elizabeth, New Jersey. The lease has an initial term of 10 years ending December 15, 2033 and undiscounted cash payments of approximately $850,000 in total. Subsequent to the quarter end, the Company gave notice of its intent to exercise a five-year option on its Linden branch lease commencing March 1, 2024 through February 28, 2029. During the five year renewal term, the rent will be fixed at $19,657 per month for the entire five years totaling approximately $1.2 million. As of September 30, 2023, the Company had not entered into any leases that have not yet commenced.

Derivatives

Derivatives	9 Months Ended
	Sep. 30, 2023
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 executed 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 September 30, 2023, the Company had nine interest rate swaps with a notional amount of $64.0 million. At December 31, 2022, the Company had seven interest rate swaps with a notional amount of $37.0 million. The Company recorded fee income related to these swaps of $20,000 and $251,000 for the three and nine months ended September 30, 2023, respectively. There was no fee income related to these swaps for the three and nine months ended September 30, 2022. The table below presents the fair value of the derivatives as well as their location on the consolidated balance sheets (in thousands): Fair Value Balance Sheet Location September 30, 2023 December 31, 2022 Other assets $ 6,515 $ 5,321 Other liabilities 6,516 5,321

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net income	$ 8,181	$ 16,979	$ 29,447	$ 46,980

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2023
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Consolidated Financial Statem_2

Consolidated Financial Statements (Policies)	9 Months Ended
	Sep. 30, 2023
Organization, Consolidation and Presentation of Financial Statements [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 Investments, Inc. and Northfield Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, NSB Services Corp. and NSB Realty Trust (collectively the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation. In the opinion of management, all adjustments (consisting solely of normal and recurring adjustments) necessary for the fair presentation of the consolidated balance sheets and the consolidated statements of comprehensive income for the unaudited periods presented have been included. The results of operations and other data presented for the three and nine months ended September 30, 2023 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2023 or for any other period. Whenever necessary, certain prior year amounts are reclassified to conform to the current year presentation. In preparing the unaudited consolidated financial statements in conformity with U.S. generally accepted accounting principles (“U.S. GAAP”), management has made estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheets and for the periods indicated in the consolidated statements of comprehensive income. Material estimates that are particularly susceptible to change are: the allowance for credit losses and the valuation allowance against deferred tax assets. Estimates and assumptions are reviewed periodically and the effects of revisions are reflected in the consolidated financial statements in the period they are deemed necessary. While management uses its best judgment, actual amounts or results could differ significantly from those estimates.
Recent Accounting Pronouncements Adopted	Recent Accounting Pronouncements Adopted Effective January 1, 2023, the Company adopted Accounting Standards Update (“ASU”) No. 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”). The amendments in this ASU were issued to (1) eliminate accounting guidance for Troubled Debt Restructurings (“TDRs”) by creditors, while enhancing disclosure requirements for certain loan refinancings and restructurings by creditors when a borrower is experiencing financial difficulty; (2) require disclosures of current period gross write-offs by year of origination for financing receivables and net investments in leases. Under ASU 2022-02, the Company assesses all loan modifications to determine whether one is granted to a borrower experiencing financial difficulty, regardless of whether the modified loan terms include a concession. Modifications granted to borrowers experiencing financial difficulty may be in the form of an interest rate reduction, an other-than-insignificant payment delay, a term extension, principal forgiveness or a combination thereof. Prior to the adoption of ASU 2022-02, a TDR occurred when the terms of a loan were 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. For the Company's accounting policy related to TDRs granted prior to the adoption of ASU 2022-02, see “Note 1. Significant Accounting Policies” included in “Item 8. Financial Statements and Supplementary Data” in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022. The Company adopted ASU 2022-02 on a prospective basis. The adoption of this update did not have a material effect on the Company’s consolidated financial statements. Additional disclosures are included in Note 5 to the consolidated financial statements.
Fair Value Measurements	The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of September 30, 2023, and December 31, 2022, by level within the fair value hierarchy as required by the Fair Value Measurements and Disclosures Topic of the FASB 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	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) Federal Home Loan Bank of New York Stock Federal Home Loan Bank of New York ( “ FHLBNY”) stock is carried at cost, which approximates fair 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.
Earnings Per Share	Basic earnings per share is computed by dividing net income available to common stockholders by the weighted average number of shares outstanding during the period. For purposes of calculating basic earnings per share, weighted average common shares outstanding excludes unallocated employee stock ownership plan (“ESOP”) shares that have not been committed for release and unvested restricted stock and performance-based restricted stock units.Diluted earnings per share is computed using the same method as basic earnings per share, but reflects the potential dilution that could occur if stock options were exercised and converted into common stock and unvested shares of restricted stock and performance-based restricted stock units vested. These potentially dilutive shares are then included in the weighted average number of shares outstanding for the period using the treasury stock method. When applying the treasury stock method, we added the assumed proceeds from option exercises and the average unamortized compensation costs related to unvested shares of restricted stock, performance-based restricted stock units 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.

Debt Securities Available-for_2

Debt Securities Available-for-Sale (Tables)	9 Months Ended
	Sep. 30, 2023
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 September 30, 2023, and December 31, 2022 (in thousands): September 30, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 75,898 $ — $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 390,580 — (43,536) 347,044 Real estate mortgage investment conduits ("REMICs"): GSE 236,907 — (15,347) 221,560 627,487 — (58,883) 568,604 Other debt securities: Municipal bonds 766 — (3) 763 Corporate bonds 106,498 — (4,475) 102,023 107,264 — (4,478) 102,786 Total debt securities available-for-sale $ 810,649 $ — $ (66,950) $ 743,699 December 31, 2022 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 76,150 $ — $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE 472,963 1 (40,346) 432,618 REMICs: GSE 280,870 — (16,146) 264,724 753,833 1 (56,492) 697,342 Other debt securities: Municipal bonds 21 — — 21 Corporate bonds 189,603 2 (6,871) 182,734 189,624 2 (6,871) 182,755 Total debt securities available-for-sale $ 1,019,607 $ 3 $ (67,437) $ 952,173 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 September 30, 2023 and December 31, 2022, were as follows (in thousands): September 30, 2023 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 $ — $ — $ (3,589) $ 72,309 $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: GSE (11) 302 (43,525) 346,732 (43,536) 347,034 REMICs: GSE — — (15,347) 221,560 (15,347) 221,560 Other debt securities: Municipal bonds (3) 763 — — (3) 763 Corporate bonds — — (4,475) 102,023 (4,475) 102,023 Total $ (14) $ 1,065 $ (66,936) $ 742,624 $ (66,950) $ 743,689 December 31, 2022 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 $ (3,942) $ 71,058 $ (132) $ 1,018 $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE (8,112) 142,605 (32,234) 289,890 (40,346) 432,495 REMICs: GSE (8,303) 180,612 (7,843) 84,112 (16,146) 264,724 Other debt securities: Corporate bonds (842) 35,778 (6,029) 129,174 (6,871) 164,952 Total $ (21,199) $ 430,053 $ (46,238) $ 504,194 $ (67,437) $ 934,247
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 September 30, 2023 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 148,348 $ 143,534 Due after one year through five years 34,814 31,561 $ 183,162 $ 175,095
Gross Unrealized Losses on Mortgage-Backed Securities	The following is a comparative summary of mortgage-backed securities and other debt securities available-for-sale at September 30, 2023, and December 31, 2022 (in thousands): September 30, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 75,898 $ — $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 390,580 — (43,536) 347,044 Real estate mortgage investment conduits ("REMICs"): GSE 236,907 — (15,347) 221,560 627,487 — (58,883) 568,604 Other debt securities: Municipal bonds 766 — (3) 763 Corporate bonds 106,498 — (4,475) 102,023 107,264 — (4,478) 102,786 Total debt securities available-for-sale $ 810,649 $ — $ (66,950) $ 743,699 December 31, 2022 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities $ 76,150 $ — $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE 472,963 1 (40,346) 432,618 REMICs: GSE 280,870 — (16,146) 264,724 753,833 1 (56,492) 697,342 Other debt securities: Municipal bonds 21 — — 21 Corporate bonds 189,603 2 (6,871) 182,734 189,624 2 (6,871) 182,755 Total debt securities available-for-sale $ 1,019,607 $ 3 $ (67,437) $ 952,173 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 September 30, 2023 and December 31, 2022, were as follows (in thousands): September 30, 2023 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 $ — $ — $ (3,589) $ 72,309 $ (3,589) $ 72,309 Mortgage-backed securities: Pass-through certificates: GSE (11) 302 (43,525) 346,732 (43,536) 347,034 REMICs: GSE — — (15,347) 221,560 (15,347) 221,560 Other debt securities: Municipal bonds (3) 763 — — (3) 763 Corporate bonds — — (4,475) 102,023 (4,475) 102,023 Total $ (14) $ 1,065 $ (66,936) $ 742,624 $ (66,950) $ 743,689 December 31, 2022 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 $ (3,942) $ 71,058 $ (132) $ 1,018 $ (4,074) $ 72,076 Mortgage-backed securities: Pass-through certificates: GSE (8,112) 142,605 (32,234) 289,890 (40,346) 432,495 REMICs: GSE (8,303) 180,612 (7,843) 84,112 (16,146) 264,724 Other debt securities: Corporate bonds (842) 35,778 (6,029) 129,174 (6,871) 164,952 Total $ (21,199) $ 430,053 $ (46,238) $ 504,194 $ (67,437) $ 934,247

Debt Securities Held-to-Matur_2

Debt Securities Held-to-Maturity (Tables)	9 Months Ended
	Sep. 30, 2023
Investments, Debt and Equity Securities [Abstract]
Securities Held-to-Maturity	The following is a summary of mortgage-backed securities held-to-maturity at September 30, 2023 and December 31, 2022 (in thousands): September 30, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 10,114 $ — $ (743) $ 9,371 Total securities held-to-maturity $ 10,114 $ — $ (743) $ 9,371 December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 10,760 $ 90 $ (461) $ 10,389 Total securities held-to-maturity $ 10,760 $ 90 $ (461) $ 10,389
Gross Unrealized Losses on Mortgage-Backed Securities	Gross unrealized losses on mortgage-backed securities held-to-maturity, 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 September 30, 2023 and December 31, 2022 were as follows (in thousands): September 30, 2023 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value Mortgage-backed securities: Pass-through certificates: GSE $ (210) $ 5,948 $ (533) $ 3,423 $ (743) $ 9,371 Total $ (210) $ 5,948 $ (533) $ 3,423 $ (743) $ 9,371 December 31, 2022 Less than 12 months 12 months or more Total Unrealized Estimated Unrealized Estimated Unrealized Estimated losses fair value losses fair value losses fair value Mortgage-backed securities: Pass-through certificates: GSE $ (461) $ 7,433 $ — $ — $ (461) $ 7,433 Total $ (461) $ 7,433 $ — $ — $ (461) $ 7,433

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2023
Receivables [Abstract]
Net Loans Held-for-Investment	The following table summarizes the Company’s loans held-for-investment (in thousands): September 30, December 31, 2023 2022 Real estate loans: Multifamily $ 2,782,141 $ 2,824,579 Commercial mortgage 932,987 899,249 One-to-four family residential mortgage 164,525 173,946 Home equity and lines of credit 160,798 152,555 Construction and land 32,290 24,932 Total real estate loans 4,072,741 4,075,261 Commercial and industrial loans (1) 144,788 154,700 Other loans 2,074 2,230 Total commercial and industrial and other loans 146,862 156,930 Loans held-for-investment (excluding purchased credit-deteriorated (“PCD”) loans) 4,219,603 4,232,191 PCD loans 10,371 11,502 Total loans held-for-investment 4,229,974 4,243,693 Allowance for credit losses (38,480) (42,617) Net loans held-for-investment $ 4,191,494 $ 4,201,076
Schedule of Loans Held-for-Investment and Current Period Gross Charge-Offs, Excluding PCD Loans, Net of Deferred Fees and Costs	The following table presents the Company’s loans held-for-investment and current period gross charge-offs, excluding PCD loans, by loan class, credit risk ratings and year of origination, at September 30, 2023 (in thousands): September 30, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 86,526 $ 617,861 $ 652,903 $ 470,913 $ 250,844 $ 693,124 $ 601 $ 2,772,772 Special mention — — — — — 331 — 331 Substandard — — — — — 9,038 — 9,038 Total multifamily 86,526 617,861 652,903 470,913 250,844 702,493 601 2,782,141 Commercial Pass 84,267 209,944 156,104 66,719 88,529 310,461 2,143 918,167 Special mention — — — — — 722 — 722 Substandard — 2,851 — — — 10,947 300 14,098 Total commercial 84,267 212,795 156,104 66,719 88,529 322,130 2,443 932,987 One-to-four family residential Pass 6,226 27,036 12,115 8,435 9,138 99,554 952 163,456 Special mention — — — — — 352 — 352 Substandard — — — — — 717 — 717 Total one-to-four family residential 6,226 27,036 12,115 8,435 9,138 100,623 952 164,525 Home equity and lines of credit Pass 18,647 34,510 15,648 7,357 5,512 14,314 64,478 160,466 Special mention — — — — — 68 — 68 Substandard — — 22 — 90 152 — 264 Total home equity and lines of credit 18,647 34,510 15,670 7,357 5,602 14,534 64,478 160,798 Construction and land Pass 753 8,319 1,725 10,251 1,213 7,378 2,651 32,290 Total construction and land 753 8,319 1,725 10,251 1,213 7,378 2,651 32,290 Total real estate loans 196,419 900,521 838,517 563,675 355,326 1,147,158 71,125 4,072,741 Commercial and industrial Pass 7,025 27,846 18,348 2,932 2,818 8,032 61,651 128,652 Special mention — 250 — 61 — 106 — 417 Substandard 5 941 14,196 116 96 365 — 15,719 Total commercial and industrial 7,030 29,037 32,544 3,109 2,914 8,503 61,651 144,788 Current period gross charge-offs 1,488 2,164 1,101 437 12 113 — 5,315 Other Pass 1,950 — — 56 — 14 44 2,064 Substandard — — — — — — 10 10 Total other 1,950 — — 56 — 14 54 2,074 Total loans held-for-investment $ 205,399 $ 929,558 $ 871,061 $ 566,840 $ 358,240 $ 1,155,675 $ 132,830 $ 4,219,603 Total current-period gross charge-offs $ 1,488 $ 2,164 $ 1,101 $ 437 $ 12 $ 113 $ — $ 5,315 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, 2022 (in thousands): December 31, 2022 2022 2021 2020 2019 2018 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 632,613 $ 676,370 $ 500,069 $ 255,374 $ 204,810 $ 545,335 $ 521 $ 2,815,092 Substandard — — — — 3,525 5,962 — 9,487 Total multifamily 632,613 676,370 500,069 255,374 208,335 551,297 521 2,824,579 Commercial Pass 213,621 147,419 68,215 90,644 72,512 275,606 1,664 869,681 Special mention — — — — — 4,852 — 4,852 Substandard 2,889 10,574 — — — 11,253 — 24,716 Total commercial 216,510 157,993 68,215 90,644 72,512 291,711 1,664 899,249 One-to-four family residential Pass 26,432 12,340 8,623 10,057 7,227 105,787 1,006 171,472 Special mention — — — — — 1,716 — 1,716 Substandard — — — — — 758 — 758 Total one-to-four family residential 26,432 12,340 8,623 10,057 7,227 108,261 1,006 173,946 Home equity and lines of credit Pass 36,513 16,053 8,198 5,948 4,484 11,315 69,539 152,050 Special mention — — — — — 70 — 70 Substandard — — — 92 48 295 — 435 Total home equity and lines of credit 36,513 16,053 8,198 6,040 4,532 11,680 69,539 152,555 Construction and land Pass 8,121 1,145 6,335 1,276 1,427 3,905 653 22,862 Substandard — — — — 2,070 — — 2,070 Total construction and land 8,121 1,145 6,335 1,276 3,497 3,905 653 24,932 Total real estate loans 920,189 863,901 591,440 363,391 296,103 966,854 73,383 4,075,261 Commercial and industrial Pass 16,941 14,805 7,754 3,754 1,460 8,172 98,969 151,855 Special mention — — 48 — — 124 214 386 Substandard 291 482 96 50 200 217 1,123 2,459 Total commercial and industrial 17,232 15,287 7,898 3,804 1,660 8,513 100,306 154,700 Other Pass 2,010 — 114 5 6 21 74 2,230 Total other 2,010 — 114 5 6 21 74 2,230 Total loans held-for-investment $ 939,431 $ 879,188 $ 599,452 $ 367,200 $ 297,769 $ 975,388 $ 173,763 $ 4,232,191
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 September 30, 2023, and December 31, 2022, excluding PCD loans (in thousands): September 30, 2023 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 $ 2,248 $ — $ 825 $ 3,073 $ 209 $ 3,282 Total multifamily 2,248 — 825 3,073 209 3,282 Commercial Substandard 2,875 — 2,560 5,435 114 5,549 Total commercial 2,875 — 2,560 5,435 114 5,549 One-to-four family residential Substandard 79 — 27 106 139 245 Total one-to-four family residential 79 — 27 106 139 245 Home equity and lines of credit Pass — — — — 39 39 Substandard 22 — 76 98 76 174 Total home equity and lines of credit 22 — 76 98 115 213 Total real estate 5,224 — 3,488 8,712 577 9,289 Commercial and industrial loans Pass — — — — 15 15 Substandard 97 — 751 848 — 848 Total commercial and industrial loans 97 — 751 848 15 863 Other loans Substandard — — 10 10 — 10 Total other — — 10 10 — 10 Total non-performing loans $ 5,321 $ — $ 4,249 $ 9,570 $ 592 $ 10,162 December 31, 2022 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 $ 1,923 $ — $ 1,362 $ 3,285 $ 233 $ 3,518 Total multifamily 1,923 — 1,362 3,285 233 3,518 Commercial Substandard 2,806 431 1,947 5,184 8 5,192 Total commercial 2,806 431 1,947 5,184 8 5,192 One-to-four family residential Substandard — — 118 118 155 273 Total one-to-four family residential — — 118 118 155 273 Home equity and lines of credit Substandard 186 — 76 262 — 262 Total home equity and lines of credit 186 — 76 262 — 262 Total real estate 4,915 431 3,503 8,849 396 9,245 Commercial and industrial loans Substandard — 26 938 964 24 988 Total commercial and industrial loans — 26 938 964 24 988 Other loans Pass — — — — 5 5 Total other — — — — 5 5 Total non-performing loans $ 4,915 $ 457 $ 4,441 $ 9,813 $ 425 $ 10,238
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 loans, net of deferred fees and costs, at September 30, 2023, and December 31, 2022 (in thousands): September 30, 2023 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 $ 178 $ — $ — $ 178 $ 2,772,594 $ 2,772,772 Special mention — — — — 331 331 Substandard — 825 209 1,034 8,004 9,038 Total multifamily 178 825 209 1,212 2,780,929 2,782,141 Commercial Pass 716 — — 716 917,451 918,167 Special mention — — — — 722 722 Substandard 1,176 2,560 114 3,850 10,248 14,098 Total commercial 1,892 2,560 114 4,566 928,421 932,987 One-to-four family residential Pass 2,643 — — 2,643 160,813 163,456 Special mention 65 — — 65 287 352 Substandard — 27 139 166 551 717 Total one-to-four family residential 2,708 27 139 2,874 161,651 164,525 Home equity and lines of credit Pass 1,116 — 39 1,155 159,311 160,466 Special mention — — — — 68 68 Substandard 90 76 76 242 22 264 Total home equity and lines of credit 1,206 76 115 1,397 159,401 160,798 Construction and land Pass — — — — 32,290 32,290 Total construction and land — — — — 32,290 32,290 Total real estate 5,984 3,488 577 10,049 4,062,692 4,072,741 Commercial and industrial Pass 1,574 — 15 1,589 127,063 128,652 Special mention 293 — — 293 124 417 Substandard 250 751 — 1,001 14,718 15,719 Total commercial and industrial 2,117 751 15 2,883 141,905 144,788 Other loans Pass 4 — — 4 2,060 2,064 Substandard — 10 — 10 — 10 Total other loans 4 10 — 14 2,060 2,074 Total loans held-for-investment $ 8,105 $ 4,249 $ 592 $ 12,946 $ 4,206,657 $ 4,219,603 December 31, 2022 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 $ 189 $ — $ — $ 189 $ 2,814,903 $ 2,815,092 Substandard — 1,362 233 1,595 7,892 9,487 Total multifamily 189 1,362 233 1,784 2,822,795 2,824,579 Commercial Pass 726 — — 726 868,955 869,681 Special mention — — — — 4,852 4,852 Substandard 605 1,947 8 2,560 22,156 24,716 Total commercial 1,331 1,947 8 3,286 895,963 899,249 One-to-four family residential Pass 603 — — 603 170,869 171,472 Special mention 69 — — 69 1,647 1,716 Substandard — 118 155 273 485 758 Total one-to-four family residential 672 118 155 945 173,001 173,946 Home equity and lines of credit Pass 657 — — 657 151,393 152,050 Special mention — — — — 70 70 Substandard 173 76 — 249 186 435 Total home equity and lines of credit 830 76 — 906 151,649 152,555 Construction and land Pass — — — — 22,862 22,862 Substandard — — — — 2,070 2,070 Total construction and land — — — — 24,932 24,932 Total real estate 3,022 3,503 396 6,921 4,068,340 4,075,261 Commercial and industrial Pass 573 — — 573 151,282 151,855 Special mention — — — — 386 386 Substandard 498 938 24 1,460 999 2,459 Total commercial and industrial 1,071 938 24 2,033 152,667 154,700 Other loans Pass 5 — 5 10 2,220 2,230 Total other loans 5 — 5 10 2,220 2,230 Total loans held-for-investment $ 4,098 $ 4,441 $ 425 $ 8,964 $ 4,223,227 $ 4,232,191
Schedule of Non-accrual Loans, Excluding PCD Loans	The following tables summarize information on non-accrual loans, excluding PCD loans, as of September 30, 2023 and December 31, 2022 (in thousands): September 30, 2023 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 3,073 $ 3,360 $ 1,917 Commercial 5,435 5,890 3,019 One-to-four family residential 106 106 — Home equity and lines of credit 98 348 — Commercial and industrial 848 4,468 80 Other 10 9 — Total non-accrual loans $ 9,570 $ 14,181 $ 5,016 December 31, 2022 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 3,285 $ 3,294 $ 2,050 Commercial 5,184 5,639 3,069 One-to-four family residential 118 118 — Home equity and lines of credit 262 512 — Commercial and industrial 964 1,288 67 Total non-accrual loans $ 9,813 $ 10,851 $ 5,186 The following table summarizes interest income on non-accrual loans, excluding PCD loans, during the three and nine months ended September 30, 2023 and September 30, 2022 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Real estate loans: Multifamily $ 41 $ 25 $ 144 $ 73 Commercial 63 26 183 108 One-to-four family residential 1 — 6 10 Home equity and lines of credit — 5 1 16 Commercial and industrial 48 6 77 14 Total interest income on non-accrual loans $ 153 $ 62 $ 411 $ 221
Schedule of Loan Modifications	The following tables present the amortized cost basis at September 30, 2023 of loan modifications made to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2023 by class and by type of modification (dollars in thousands): Three Months Ended September 30, 2023 Payment Delay Term Extension (1) Payment Delay and Interest Rate Reduction Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial mortgage $ 171 $ — $ — $ — $ 171 0.02 % Commercial and industrial 96 13,379 — 390 13,865 9.58 % Total loans $ 267 $ 13,379 $ — $ 390 $ 14,036 Nine Months Ended September 30, 2023 Payment Delay Term Extension (1) Payment Delay and Interest Rate Reduction Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial mortgage $ 236 $ — $ — $ — $ 236 0.03 % Commercial and industrial 96 13,379 208 636 14,319 9.89 % Total loans $ 332 $ 13,379 $ 208 $ 636 $ 14,555 (1) Represents one loan that was risk rated substandard and was modified during the three months ended September 30, 2023, to receive a maturity extension of 90-days through November 1, 2023. This loan previously had multiple extensions. The loan was originally downgraded to substandard due to operating losses, however the current debt service coverage ratio is 1.84x and the loan is adequately secured by receivables in excess of $18 million. The loan is current as of September 30, 2023. The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023 (in thousands): Weighted-Average Term Extension (in months) Weighted-Average Interest Rate Reduction Three Months Ended September 30, 2023 Commercial and industrial 3.4 2.87 % Nine Months Ended September 30, 2023 Commercial and industrial 3.5 3.75 % Three Months Ended September 30, 2023 Current 30-89 Days Past Due 90 Days or More Past Due Non-Accrual Total Commercial mortgage $ — $ — $ — $ 171 $ 171 Commercial and industrial 13,865 — — — 13,865 Total loans $ 13,865 $ — $ — $ 171 $ 14,036 Nine Months Ended September 30, 2023 Current 30-89 Days Past Due 90 Days or More Past Due Non-Accrual Total Commercial mortgage $ — $ 65 $ — $ 171 $ 236 Commercial and industrial 14,319 — — — 14,319 Total loans $ 14,319 $ 65 $ — $ 171 $ 14,555

Allowance for Credit Losses (_2

Allowance for Credit Losses (“ACL”) on Loans (Tables)	9 Months Ended
	Sep. 30, 2023
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 as of, and for, the three and nine months ended September 30, 2023, and September 30, 2022 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Balance at beginning of period $ 241 $ 2,480 $ 791 $ 1,852 Provision (benefit) for credit losses 160 (1,888) (390) (1,260) Balance at end of period $ 401 $ 592 $ 401 $ 592
Allowance For Loan Losses And Loans Receivable By Portfolio Segment Table	The following tables set forth activity in our allowance for credit losses on loans, by loan type, as of, and for the three and nine months ended September 30, 2023, and September 30, 2022 (in thousands): Three Months Ended September 30, 2023 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 $ 24,733 $ 3,814 $ 1,278 $ 301 $ 7,295 $ 7 $ 37,428 $ 3,726 $ 41,154 Charge-offs — — — — (2,904) — (2,904) — (2,904) Recoveries 14 — — — 20 — 34 8 42 Provisions (credit) (409) (243) 77 (2) 1,391 — 814 (626) 188 Ending balance $ 24,338 $ 3,571 $ 1,355 $ 299 $ 5,802 $ 7 $ 35,372 $ 3,108 $ 38,480 Three Months Ended September 30, 2022 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 $ 28,065 $ 3,005 $ 802 $ 285 $ 2,705 $ 11 $ 34,873 $ 4,158 $ 39,031 Charge-offs — — — — — — — (75) (75) Recoveries 4 7 19 — 12 4 46 178 224 Provisions (credit) 2,117 553 53 (10) 238 (9) 2,942 (239) 2,703 Ending balance $ 30,186 $ 3,565 $ 874 $ 275 $ 2,955 $ 6 $ 37,861 $ 4,022 $ 41,883 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. Nine Months Ended September 30, 2023 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 $ 29,485 $ 3,936 $ 866 $ 324 $ 4,114 $ 9 $ 38,734 $ 3,883 $ 42,617 Charge-offs — — — — (5,315) — (5,315) (8) (5,323) Recoveries 48 — 1 — 47 — 96 8 104 Provisions (credit) (5,195) (365) 488 (25) 6,956 (2) 1,857 (775) 1,082 Ending balance $ 24,338 $ 3,571 $ 1,355 $ 299 $ 5,802 $ 7 $ 35,372 $ 3,108 $ 38,480 Nine Months Ended September 30, 2022 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 $ 26,785 $ 3,545 $ 560 $ 169 $ 3,173 $ 9 $ 34,241 $ 4,732 $ 38,973 Charge-offs — — — — (185) — (185) (600) (785) Recoveries 101 7 19 — 131 4 262 178 440 Provisions (credit) 3,300 13 295 106 (164) (7) 3,543 (288) 3,255 Ending balance $ 30,186 $ 3,565 $ 874 $ 275 $ 2,955 $ 6 $ 37,861 $ 4,022 $ 41,883 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. The following tables 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 the allowance for credit losses that is allocated to each loan portfolio segment, at September 30, 2023 and December 31, 2022 (in thousands): September 30, 2023 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: Ending balance: individually evaluated for impairment $ 24 $ — $ 3 $ — $ 18 $ — $ 45 $ — $ 45 Ending balance: collectively evaluated for impairment 24,313 3,571 1,353 299 5,784 7 35,327 — 35,327 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 3,108 3,108 Loans, net: Ending balance $ 3,715,128 $ 164,525 $ 160,798 $ 32,290 $ 144,788 $ 2,074 $ 4,219,603 $ 10,371 $ 4,229,974 Ending balance: individually evaluated for impairment 7,681 624 24 — 87 — 8,416 — 8,416 Ending balance: collectively evaluated for impairment 3,707,447 163,901 160,774 32,290 144,376 2,074 4,210,862 — 4,210,862 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 10,371 10,371 PPP loans not evaluated for impairment (3) — — — — 325 — 325 — 325 December 31, 2022 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: Ending balance: individually evaluated for impairment $ 18 $ — $ 2 $ — $ 18 $ — $ 38 $ — $ 38 Ending balance: collectively evaluated for impairment 29,467 3,936 864 324 4,096 9 38,696 — 38,696 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 3,883 3,883 Loans, net: Ending balance $ 3,723,828 $ 173,946 $ 152,555 $ 24,932 $ 154,700 $ 2,230 $ 4,232,191 $ 11,502 $ 4,243,693 Ending balance: individually evaluated for impairment 8,152 666 27 — 94 — 8,939 — 8,939 Ending balance: collectively evaluated for impairment 3,715,676 173,280 152,528 24,932 149,463 2,230 4,218,109 — 4,218,109 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 11,502 11,502 PPP loans not evaluated for impairment (3) — — — — 5,143 — 5,143 — 5,143 (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.

Deposits (Tables)

Deposits (Tables)	9 Months Ended
	Sep. 30, 2023
Deposits [Abstract]
Deposit Account Balances	Deposit account balances are summarized as follows (in thousands): September 30, 2023 December 31, 2022 Non-interest-bearing checking $ 727,605 $ 852,660 Negotiable orders of withdrawal (“NOW”) and interest-bearing checking 1,150,647 1,132,290 Savings and money market 1,259,519 1,425,247 Certificates of deposit 530,742 740,022 Total deposits $ 3,668,513 $ 4,150,219
Interest Expense on Deposits	Interest expense on deposit accounts is summarized for the periods indicated (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 NOW and interest-bearing checking, savings, and money market $ 8,865 $ 701 $ 19,194 $ 1,871 Certificates of deposit 4,749 1,420 12,724 2,743 Total interest expense on deposit accounts $ 13,614 $ 2,121 $ 31,918 $ 4,614

Equity Incentive Plans (Tables)

Equity Incentive Plans (Tables)	9 Months Ended
	Sep. 30, 2023
Share-Based Payment Arrangement [Abstract]
Stock Options Outstanding	The following table is a summary of the Company’s stock options outstanding as of September 30, 2023, and changes therein during the nine months then ended. Number of Stock Options Weighted Average Grant Date Fair Value Weighted Average Exercise Price Weighted Average Contractual Life (years) Outstanding - December 31, 2022 1,582,826 $ 4.03 $ 14.04 2.01 Forfeited or cancelled (30,920) 3.97 13.79 — Exercised (7,600) 3.91 13.13 — Outstanding - September 30, 2023 1,544,306 4.03 14.05 1.26 Exercisable - September 30, 2023 1,544,306 4.03 14.05 1.26
Status of the Company's Restricted Share Awards	The following is a summary of the status of the Company’s restricted stock awards and performance-based restricted stock units at September 30, 2023, and changes therein during the nine months then ended. Number of Shares Awarded Weighted Average Grant Date Fair Value Non-vested at December 31, 2022 321,501 $ 14.66 Granted 192,249 14.37 Incremental performance-based restricted stock units earned 10,353 — Vested (124,586) 13.96 Forfeited (37,123) 14.33 Non-vested at September 30, 2023 362,394 14.36

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2023
Fair Value Disclosures [Abstract]
Significant Fair Value of Assets and Liabilities Measured on Recurring and Non Recurring Basis	Fair Value Measurements at September 30, 2023 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S. Government agency $ 72,309 $ — $ 72,309 $ — Mortgage-backed securities: Pass-through certificates: GSE 347,044 — 347,044 — REMICs: GSE 221,560 — 221,560 — 568,604 — 568,604 — Other debt securities: Municipal bonds 763 — 763 — Corporate bonds 102,023 — 102,023 — 102,786 — 102,786 — Total debt securities available-for-sale 743,699 — 743,699 — Trading securities 11,504 11,504 — — Equity securities (1) 348 348 — — Total $ 755,551 $ 11,852 $ 743,699 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,376 $ — $ — $ 2,376 Multifamily 1,917 — — 1,917 Home equity and lines of credit 21 — — 21 Total individually evaluated real estate loans 4,314 — — 4,314 Commercial and industrial loans 60 — — 60 Total $ 4,374 $ — $ — $ 4,374 (1) Excludes investment measured at net asset value of $10.3 million at September 30, 2023, which has not been classified in the fair value hierarchy. Fair Value Measurements at December 31, 2022 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Measured on a recurring basis: Assets: Investment securities: Debt securities available-for-sale: U.S. Government agency securities $ 72,076 $ — $ 72,076 $ — Mortgage-backed securities: Pass-through certificates: GSE 432,618 — 432,618 — REMICs: GSE 264,724 — 264,724 — 697,342 — 697,342 — Other debt securities: Municipal bonds 21 — 21 — Corporate bonds 182,734 — 182,734 — 182,755 — 182,755 — Total debt securities available-for-sale 952,173 — 952,173 — Trading securities 10,751 10,751 — — Equity securities (1) 361 361 — — Total $ 963,285 $ 11,112 $ 952,173 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,631 $ — $ — $ 2,631 Multifamily 1,923 — — 1,923 Home equity and lines of credit 24 — — 24 Total impaired real estate loans 4,578 — — 4,578 Commercial and industrial loans 62 — — 62 Total $ 4,640 $ — $ — $ 4,640 (1) Excludes investment measured at net asset value of $10.1 million at December 31, 2022, which has not been classified in the fair value hierarchy.
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 September 30, 2023 and December 31, 2022 (dollars in thousands): Fair Value Valuation Methodology Unobservable Range of Inputs September 30, 2023 December 31, 2022 September 30, 2023 December 31, 2022 Individually evaluated loans $ 4,374 $ 4,640 Appraisals Discount for costs to sell 7.0% 7.0% Discount for quick sale 10.0% 10.0% Discounted cash flows Interest rates 4.88% to 7.50% 4.88% to 7.50%
Estimated Fair Values of Significant Financial Instruments	The estimated fair values of the Company’s significant financial instruments at September 30, 2023 and December 31, 2022, are presented in the following tables (in thousands): September 30, 2023 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 80,556 $ 80,556 $ — $ — $ 80,556 Trading securities 11,504 11,504 — — 11,504 Debt securities available-for-sale 743,699 — 743,699 — 743,699 Debt securities held-to-maturity 10,114 — 9,371 — 9,371 Equity securities (1) 348 348 — — 348 FHLBNY stock, at cost 41,165 — 41,165 — 41,165 Loans held-for-sale 950 — — 950 950 Net loans held-for-investment 4,191,494 — — 3,942,539 3,942,539 Derivative assets 6,515 — 6,515 — 6,515 Financial liabilities: Deposits $ 3,668,513 $ — $ 3,669,988 $ — $ 3,669,988 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 918,973 — 850,551 — 850,551 Subordinated debentures, net of issuance costs 61,163 — 45,196 — 45,196 Advance payments by borrowers for taxes and insurance 25,968 — 25,968 — 25,968 Derivative liabilities 6,516 — 6,516 — 6,516 (1) Excludes investment measured at net asset value of $10.3 million at September 30, 2023, which has not been classified in the fair value hierarchy. December 31, 2022 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 45,799 $ 45,799 $ — $ — $ 45,799 Trading securities 10,751 10,751 — — 10,751 Debt securities available-for-sale 952,173 — 952,173 — 952,173 Debt securities held-to-maturity 10,760 — 10,389 — 10,389 Equity securities (1) 361 361 — — 361 FHLBNY stock, at cost 30,382 — 30,382 — 30,382 Net loans held-for-investment 4,201,076 — — 4,016,849 4,016,849 Derivative assets 5,321 — 5,321 — 5,321 Financial liabilities: Deposits $ 4,150,219 $ — $ 4,148,938 $ — $ 4,148,938 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 583,859 — 564,588 — 564,588 Subordinated debentures, net of issuance costs 60,996 54,393 54,393 Advance payments by borrowers for taxes and insurance 25,995 — 25,995 — 25,995 Derivative liabilities 5,321 — 5,321 — 5,321 (1) Excludes investment measured at net asset value of $10.1 million at December 31, 2022, which has not been classified in the fair value hierarchy.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Schedule of 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 per share data): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Net income available to common stockholders $ 8,181 $ 16,979 $ 29,447 $ 46,980 Weighted average shares outstanding-basic 42,866,246 46,047,104 43,848,873 46,486,086 Effect of non-vested restricted stock and stock, performance-based restricted stock units and options outstanding 51,928 189,557 78,477 170,997 Weighted average shares outstanding-diluted 42,918,174 46,236,661 43,927,350 46,657,083 Earnings per share-basic $ 0.19 $ 0.37 $ 0.67 $ 1.01 Earnings per share-diluted $ 0.19 $ 0.37 $ 0.67 $ 1.01 Anti-dilutive shares 1,707,261 738,103 1,492,290 978,187

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2023
Leases [Abstract]
Lease, Cost	Supplemental lease information at or for the three and nine months ended September 30, 2023, and September 30, 2022 is as follows (dollars in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2023 2022 2023 2022 Operating lease cost $ 1,471 $ 1,499 $ 4,482 $ 4,489 Variable lease cost 1,067 964 2,909 2,792 Net lease cost $ 2,538 $ 2,463 $ 7,391 $ 7,281 Cash paid for amounts included in measurement of operating lease liabilities $ 1,632 $ 1,590 $ 4,853 $ 4,751 Right-of-use assets obtained in exchange for new operating lease liabilities $ 582 $ — $ 645 $ 4,983 Weighted average remaining lease term 11.10 years 11.29 years Weighted average discount rate 3.59 % 3.53 %
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 (in thousands): Year Amount 2023 $ 1,635 2024 6,133 2025 5,792 2026 5,029 2027 4,068 Thereafter 23,146 Total lease payments 45,803 Less: imputed interest (9,268) Present value of lease liabilities $ 36,535

Derivatives (Tables)

Derivatives (Tables)	9 Months Ended
	Sep. 30, 2023
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Derivative Liabilities at Fair Value	The table below presents the fair value of the derivatives as well as their location on the consolidated balance sheets (in thousands): Fair Value Balance Sheet Location September 30, 2023 December 31, 2022 Other assets $ 6,515 $ 5,321 Other liabilities 6,516 5,321
Schedule of Derivative Assets at Fair Value	The table below presents the fair value of the derivatives as well as their location on the consolidated balance sheets (in thousands): Fair Value Balance Sheet Location September 30, 2023 December 31, 2022 Other assets $ 6,515 $ 5,321 Other liabilities 6,516 5,321

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	Sep. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	$ 810,649	$ 1,019,607
Gross unrealized gains	0	3
Gross unrealized losses	(66,950)	(67,437)
Estimated fair value	743,699	952,173
U.S. Government agency securities
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	75,898	76,150
Gross unrealized gains	0	0
Gross unrealized losses	(3,589)	(4,074)
Estimated fair value	72,309	72,076
Pass-through certificates, GSE
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	390,580	472,963
Gross unrealized gains	0	1
Gross unrealized losses	(43,536)	(40,346)
Estimated fair value	347,044	432,618
GSE
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	236,907	280,870
Gross unrealized gains	0	0
Gross unrealized losses	(15,347)	(16,146)
Estimated fair value	221,560	264,724
Real estate mortgage investment conduits (REMICs)
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	627,487	753,833
Gross unrealized gains	0	1
Gross unrealized losses	(58,883)	(56,492)
Estimated fair value	568,604	697,342
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	766	21
Gross unrealized gains	0	0
Gross unrealized losses	(3)	0
Estimated fair value	763	21
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	106,498	189,603
Gross unrealized gains	0	2
Gross unrealized losses	(4,475)	(6,871)
Estimated fair value	102,023	182,734
Other debt securities
Debt Securities, Available-for-sale [Line Items]
Estimated fair value	107,264	189,624
Gross unrealized gains	0	2
Gross unrealized losses	(4,478)	(6,871)
Estimated fair value	$ 102,786	$ 182,755

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	Sep. 30, 2023	Dec. 31, 2022
Amortized cost
Estimated fair value	$ 810,649	$ 1,019,607
Estimated fair value
Estimated fair value	743,699	$ 952,173
Other Than Mortgage Backed Securities
Amortized cost
Due in one year or less	148,348
Due after one year through five years	34,814
Estimated fair value	183,162
Estimated fair value
Due in one year or less	143,534
Due after one year through five years	31,561
Estimated fair value	$ 175,095

Debt Securities Available-for_5

Debt Securities Available-for-Sale - Narrative (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($) loan security	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) loan security	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, restricted	$ 567,700,000		$ 567,700,000		$ 591,700,000
Proceeds from sale of debt securities available-for-sale	0	$ 0	0	$ 41,464,000
Debt securities, available-for-sale, realized gain (loss)	0	0
Debt securities, available-for-sale, realized gain			22,000	264,000
Debt securities, available-for-sale, realized loss			39,000	0
Debt securities, trading, realized gain (loss)	(295,000)	$ 426,000	723,000	$ 2,800,000
Debt securities available-for-sale, allowance for credit loss	0		0		0
Accrued interest receivable associated with debt securities available-for-sale	$ 1,900,000		$ 1,900,000		$ 2,800,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable		Accrued interest receivable
GSE
Debt Securities, Available-for-sale [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | loan	5		5
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | loan	18		18
Number of debt securities, unrealized loss position less than 12 months | security	1		1
Pass Through | GSE
Debt Securities, Available-for-sale [Line Items]
Number of debt securities | security	114		114
Number of debt securities, unrealized loss position less than 12 months | security	11		11
Non Pass Through | GSE
Debt Securities, Available-for-sale [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | loan	77		77

Debt Securities Available-for_6

Debt Securities Available-for-Sale - Gross Unrealized Losses on Mortgage-Backed Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	$ (14)	$ (21,199)
Estimated fair value, less than 12 months	1,065	430,053
Unrealized losses, 12 months or more	(66,936)	(46,238)
Estimated fair value, 12 months or more	742,624	504,194
Unrealized losses, total	(66,950)	(67,437)
Estimated fair value, total	743,689	934,247
U.S. Government agency securities
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	(3,942)
Estimated fair value, less than 12 months	0	71,058
Unrealized losses, 12 months or more	(3,589)	(132)
Estimated fair value, 12 months or more	72,309	1,018
Unrealized losses, total	(3,589)	(4,074)
Estimated fair value, total	72,309	72,076
Pass-through Certificates | GSE
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	(11)	(8,112)
Estimated fair value, less than 12 months	302	142,605
Unrealized losses, 12 months or more	(43,525)	(32,234)
Estimated fair value, 12 months or more	346,732	289,890
Unrealized losses, total	(43,536)	(40,346)
Estimated fair value, total	347,034	432,495
Real estate mortgage investment conduits (REMICs) | GSE
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	(8,303)
Estimated fair value, less than 12 months	0	180,612
Unrealized losses, 12 months or more	(15,347)	(7,843)
Estimated fair value, 12 months or more	221,560	84,112
Unrealized losses, total	(15,347)	(16,146)
Estimated fair value, total	221,560	264,724
Other debt securities | Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	(3)
Estimated fair value, less than 12 months	763
Unrealized losses, 12 months or more	0
Estimated fair value, 12 months or more	0
Unrealized losses, total	(3)
Estimated fair value, total	763
Other debt securities | Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	(842)
Estimated fair value, less than 12 months	0	35,778
Unrealized losses, 12 months or more	(4,475)	(6,029)
Estimated fair value, 12 months or more	102,023	129,174
Unrealized losses, total	(4,475)	(6,871)
Estimated fair value, total	$ 102,023	$ 164,952

Debt Securities Held-to-Matur_3

Debt Securities Held-to-Maturity - Mortgage Backed Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 10,114	$ 10,760
Gross Unrealized Gains	0	90
Gross Unrealized Losses	(743)	(461)
Estimated Fair Value	9,371	10,389
Pass-through certificates, GSE
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	10,114	10,760
Gross Unrealized Gains	0	90
Gross Unrealized Losses	(743)	(461)
Estimated Fair Value	$ 9,371	$ 10,389

Debt Securities Held-to-Matur_4

Debt Securities Held-to-Maturity - Narrative (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2023 USD ($) security	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Investments, Debt and Equity Securities [Abstract]
Held-to-maturity securities sold	$ 0	$ 0
Held-to-maturity securities pledged to secure borrowings and deposits	$ 10,100		$ 2,000
Held-to-maturity securities unrealized loss position greater than twelve months | security	6
Held-to-maturity securities unrealized loss position less than twelve months | security	5
Accrued interest receivable associated with held-to-maturity securities	$ 37		$ 39
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable

Debt Securities Held-to-Matur_5

Debt Securities Held-to-Maturity - Held-to-Maturity Securities in a Continuous Unrealized Loss Positions (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Unrealized losses
Less than 12 months	$ (210)	$ (461)
12 months or more	(533)	0
Total	(743)	(461)
Estimated fair value
Less than 12 months	5,948	7,433
12 months or more	3,423	0
Total	9,371	7,433
Pass-through certificates, GSE
Unrealized losses
Less than 12 months	(210)	(461)
12 months or more	(533)	0
Total	(743)	(461)
Estimated fair value
Less than 12 months	5,948	7,433
12 months or more	3,423	0
Total	$ 9,371	$ 7,433

Equity Securities (Details)

Equity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	$ 10,628	$ 10,443
Money Market Funds
Debt and Equity Securities, FV-NI [Line Items]
Equity securities, fair value	348	361
Small Business Administration Loan Fund
Debt and Equity Securities, FV-NI [Line Items]
Equity securities not been classified in the fair value	$ 10,300	$ 10,100

Loans - Net Loans Held-for-Inve

Loans - Net Loans Held-for-Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment	$ 4,229,974		$ 4,243,693
Less: allowance for credit losses	(38,480)	$ (41,154)	(42,617)	$ (41,883)	$ (39,031)	$ (38,973)
Net loans held-for-investment	4,191,494		4,201,076
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment	4,219,603		4,232,191
Less: allowance for credit losses	(35,372)	(37,428)	(38,734)	(37,861)	(34,873)	(34,241)
PCD loans
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment	10,371		11,502
Less: allowance for credit losses	(3,108)	(3,726)	(3,883)	(4,022)	(4,158)	(4,732)
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Loans	4,072,741		4,075,261
Total loans held-for-investment	4,072,741		4,075,261
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Multifamily
Loans and Leases Receivable Disclosure [Line Items]
Loans	2,782,141		2,824,579
Total loans held-for-investment	2,782,141		2,824,579
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial mortgage
Loans and Leases Receivable Disclosure [Line Items]
Loans	932,987		899,249
Total loans held-for-investment	932,987		899,249
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | One-to-four family residential mortgage
Loans and Leases Receivable Disclosure [Line Items]
Loans	164,525		173,946
Total loans held-for-investment	164,525		173,946
Less: allowance for credit losses	(3,571)	(3,814)	(3,936)	(3,565)	(3,005)	(3,545)
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Home equity and lines of credit
Loans and Leases Receivable Disclosure [Line Items]
Loans	160,798		152,555
Total loans held-for-investment	160,798		152,555
Less: allowance for credit losses	(1,355)	(1,278)	(866)	(874)	(802)	(560)
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Construction and land
Loans and Leases Receivable Disclosure [Line Items]
Loans	32,290		24,932
Total loans held-for-investment	32,290		24,932
Less: allowance for credit losses	(299)	(301)	(324)	(275)	(285)	(169)
Commercial and industrial and other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Loans	146,862		156,930
Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Loans	144,788		154,700
Total loans held-for-investment	144,788		154,700
Less: allowance for credit losses	(5,802)	(7,295)	(4,114)	(2,955)	(2,705)	(3,173)
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Loans	2,074		2,230
Total loans held-for-investment	2,074		2,230
Less: allowance for credit losses	(7)	$ (7)	(9)	$ (6)	$ (11)	$ (9)
Payment Protection Program | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Loans	$ 325		$ 5,100

Loans - Narrative, Loans Held-f

Loans - Narrative, Loans Held-for-Investment (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	$ 950	$ 0
PCI loans	$ 4,229,974	$ 4,243,693
Home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCI loans	10%	10%
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCI loans	27%	28%
Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCI loans	55%	53%
One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCI loans	8%	9%
PCD loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
PCI loans	$ 10,371	$ 11,502

Loans - Loans Held-for-Investme

Loans - Loans Held-for-Investment and Current Period Gross Charge-Offs, Excluding PCD Loans, Net of Deferred Fees and Costs (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Ending balance	$ 4,229,974		$ 4,229,974		$ 4,243,693
Current period gross charge-offs
Total	2,904	$ 75	5,323	$ 785
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	205,399		205,399		939,431
Year Two	929,558		929,558		879,188
Year Three	871,061		871,061		599,452
Year Four	566,840		566,840		367,200
Year Five	358,240		358,240		297,769
Prior	1,155,675		1,155,675		975,388
Revolving Loans	132,830		132,830		173,763
Ending balance	4,219,603		4,219,603		4,232,191
Current period gross charge-offs
Current Fiscal Year			1,488
Year Two			2,164
Year Three			1,101
Year Four			437
Year Five			12
Prior			113
Revolving Loans			0
Total	2,904	0	5,315	185
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	196,419		196,419		920,189
Year Two	900,521		900,521		863,901
Year Three	838,517		838,517		591,440
Year Four	563,675		563,675		363,391
Year Five	355,326		355,326		296,103
Prior	1,147,158		1,147,158		966,854
Revolving Loans	71,125		71,125		73,383
Ending balance	4,072,741		4,072,741		4,075,261
Real estate loans: | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	86,526		86,526		632,613
Year Two	617,861		617,861		676,370
Year Three	652,903		652,903		500,069
Year Four	470,913		470,913		255,374
Year Five	250,844		250,844		208,335
Prior	702,493		702,493		551,297
Revolving Loans	601		601		521
Ending balance	2,782,141		2,782,141		2,824,579
Real estate loans: | Multifamily | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	86,526		86,526		632,613
Year Two	617,861		617,861		676,370
Year Three	652,903		652,903		500,069
Year Four	470,913		470,913		255,374
Year Five	250,844		250,844		204,810
Prior	693,124		693,124		545,335
Revolving Loans	601		601		521
Ending balance	2,772,772		2,772,772		2,815,092
Real estate loans: | Multifamily | Special mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0
Year Two	0		0
Year Three	0		0
Year Four	0		0
Year Five	0		0
Prior	331		331
Revolving Loans	0		0
Ending balance	331		331
Real estate loans: | Multifamily | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		3,525
Prior	9,038		9,038		5,962
Revolving Loans	0		0		0
Ending balance	9,038		9,038		9,487
Real estate loans: | Commercial mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	84,267		84,267		216,510
Year Two	212,795		212,795		157,993
Year Three	156,104		156,104		68,215
Year Four	66,719		66,719		90,644
Year Five	88,529		88,529		72,512
Prior	322,130		322,130		291,711
Revolving Loans	2,443		2,443		1,664
Ending balance	932,987		932,987		899,249
Real estate loans: | Commercial mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	84,267		84,267		213,621
Year Two	209,944		209,944		147,419
Year Three	156,104		156,104		68,215
Year Four	66,719		66,719		90,644
Year Five	88,529		88,529		72,512
Prior	310,461		310,461		275,606
Revolving Loans	2,143		2,143		1,664
Ending balance	918,167		918,167		869,681
Real estate loans: | Commercial mortgage | Special mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	722		722		4,852
Revolving Loans	0		0		0
Ending balance	722		722		4,852
Real estate loans: | Commercial mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		2,889
Year Two	2,851		2,851		10,574
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	10,947		10,947		11,253
Revolving Loans	300		300		0
Ending balance	14,098		14,098		24,716
Real estate loans: | One-to-four family residential mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	6,226		6,226		26,432
Year Two	27,036		27,036		12,340
Year Three	12,115		12,115		8,623
Year Four	8,435		8,435		10,057
Year Five	9,138		9,138		7,227
Prior	100,623		100,623		108,261
Revolving Loans	952		952		1,006
Ending balance	164,525		164,525		173,946
Current period gross charge-offs
Total	0	0	0	0
Real estate loans: | One-to-four family residential mortgage | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	6,226		6,226		26,432
Year Two	27,036		27,036		12,340
Year Three	12,115		12,115		8,623
Year Four	8,435		8,435		10,057
Year Five	9,138		9,138		7,227
Prior	99,554		99,554		105,787
Revolving Loans	952		952		1,006
Ending balance	163,456		163,456		171,472
Real estate loans: | One-to-four family residential mortgage | Special mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	352		352		1,716
Revolving Loans	0		0		0
Ending balance	352		352		1,716
Real estate loans: | One-to-four family residential mortgage | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	717		717		758
Revolving Loans	0		0		0
Ending balance	717		717		758
Real estate loans: | Home equity and lines of credit | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	18,647		18,647		36,513
Year Two	34,510		34,510		16,053
Year Three	15,670		15,670		8,198
Year Four	7,357		7,357		6,040
Year Five	5,602		5,602		4,532
Prior	14,534		14,534		11,680
Revolving Loans	64,478		64,478		69,539
Ending balance	160,798		160,798		152,555
Current period gross charge-offs
Total	0	0	0	0
Real estate loans: | Home equity and lines of credit | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	18,647		18,647		36,513
Year Two	34,510		34,510		16,053
Year Three	15,648		15,648		8,198
Year Four	7,357		7,357		5,948
Year Five	5,512		5,512		4,484
Prior	14,314		14,314		11,315
Revolving Loans	64,478		64,478		69,539
Ending balance	160,466		160,466		152,050
Real estate loans: | Home equity and lines of credit | Special mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	68		68		70
Revolving Loans	0		0		0
Ending balance	68		68		70
Real estate loans: | Home equity and lines of credit | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	0		0		0
Year Three	22		22		0
Year Four	0		0		92
Year Five	90		90		48
Prior	152		152		295
Revolving Loans	0		0		0
Ending balance	264		264		435
Real estate loans: | Construction and land | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	753		753		8,121
Year Two	8,319		8,319		1,145
Year Three	1,725		1,725		6,335
Year Four	10,251		10,251		1,276
Year Five	1,213		1,213		3,497
Prior	7,378		7,378		3,905
Revolving Loans	2,651		2,651		653
Ending balance	32,290		32,290		24,932
Current period gross charge-offs
Total	0	0	0	0
Real estate loans: | Construction and land | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	753		753		8,121
Year Two	8,319		8,319		1,145
Year Three	1,725		1,725		6,335
Year Four	10,251		10,251		1,276
Year Five	1,213		1,213		1,427
Prior	7,378		7,378		3,905
Revolving Loans	2,651		2,651		653
Ending balance	32,290		32,290		22,862
Real estate loans: | Construction and land | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year					0
Year Two					0
Year Three					0
Year Four					0
Year Five					2,070
Prior					0
Revolving Loans					0
Ending balance					2,070
Commercial and industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	7,030		7,030		17,232
Year Two	29,037		29,037		15,287
Year Three	32,544		32,544		7,898
Year Four	3,109		3,109		3,804
Year Five	2,914		2,914		1,660
Prior	8,503		8,503		8,513
Revolving Loans	61,651		61,651		100,306
Ending balance	144,788		144,788		154,700
Current period gross charge-offs
Current Fiscal Year			1,488
Year Two			2,164
Year Three			1,101
Year Four			437
Year Five			12
Prior			113
Revolving Loans			0
Total	2,904	0	5,315	185
Commercial and industrial | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	7,025		7,025		16,941
Year Two	27,846		27,846		14,805
Year Three	18,348		18,348		7,754
Year Four	2,932		2,932		3,754
Year Five	2,818		2,818		1,460
Prior	8,032		8,032		8,172
Revolving Loans	61,651		61,651		98,969
Ending balance	128,652		128,652		151,855
Commercial and industrial | Special mention | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		0
Year Two	250		250		0
Year Three	0		0		48
Year Four	61		61		0
Year Five	0		0		0
Prior	106		106		124
Revolving Loans	0		0		214
Ending balance	417		417		386
Commercial and industrial | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	5		5		291
Year Two	941		941		482
Year Three	14,196		14,196		96
Year Four	116		116		50
Year Five	96		96		200
Prior	365		365		217
Revolving Loans	0		0		1,123
Ending balance	15,719		15,719		2,459
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,950		1,950		2,010
Year Two	0		0		0
Year Three	0		0		114
Year Four	56		56		5
Year Five	0		0		6
Prior	14		14		21
Revolving Loans	54		54		74
Ending balance	2,074		2,074		2,230
Current period gross charge-offs
Total	0	$ 0	0	$ 0
Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	1,950		1,950		2,010
Year Two	0		0		0
Year Three	0		0		114
Year Four	56		56		5
Year Five	0		0		6
Prior	14		14		21
Revolving Loans	44		44		74
Ending balance	2,064		2,064		$ 2,230
Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0
Year Two	0		0
Year Three	0		0
Year Four	0		0
Year Five	0		0
Prior	0		0
Revolving Loans	10		10
Ending balance	$ 10		$ 10

Loans - Narrative, Past Due and

Loans - Narrative, Past Due and Non-Accrual Loans (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Receivables [Abstract]
Non-accrual loans	$ 9,570	$ 9,813
Criteria days for delinquent status	90 days	90 days
Principal balance of loans on non accrual status, less then	$ 500
Impairment of loans	5,000	$ 5,200
Loans on non accrual status with principal balances below threshold definition of an impaired loan	4,600	4,600
90 days or more past due and accruing	$ 592	$ 425

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	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	$ 4,229,974	$ 4,243,693
Non-accrual loans	9,570	9,813
90 Days or More Past Due and Accruing	592	425
Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	3,073	3,285
Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	5,435	5,184
Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	106	118
Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	98	262
Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	848	964
Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	10
Non-Performing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10,162	10,238
Non-accrual loans	9,570	9,813
90 Days or More Past Due and Accruing	592	425
Non-Performing Loans | Real estate loans:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	9,289	9,245
Non-accrual loans	8,712	8,849
90 Days or More Past Due and Accruing	577	396
Non-Performing Loans | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	3,282	3,518
Non-accrual loans	3,073	3,285
90 Days or More Past Due and Accruing	209	233
Non-Performing Loans | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,549	5,192
Non-accrual loans	5,435	5,184
90 Days or More Past Due and Accruing	114	8
Non-Performing Loans | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	245	273
Non-accrual loans	106	118
90 Days or More Past Due and Accruing	139	155
Non-Performing Loans | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	213	262
Non-accrual loans	98	262
90 Days or More Past Due and Accruing	115	0
Non-Performing Loans | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	863	988
Non-accrual loans	848	964
90 Days or More Past Due and Accruing	15	24
Non-Performing Loans | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10	5
Non-accrual loans	10	0
90 Days or More Past Due and Accruing	0	5
Non-Performing Loans | Substandard | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	3,282	3,518
Non-accrual loans	3,073	3,285
90 Days or More Past Due and Accruing	209	233
Non-Performing Loans | Substandard | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,549	5,192
Non-accrual loans	5,435	5,184
90 Days or More Past Due and Accruing	114	8
Non-Performing Loans | Substandard | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	245	273
Non-accrual loans	106	118
90 Days or More Past Due and Accruing	139	155
Non-Performing Loans | Substandard | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	174	262
Non-accrual loans	98	262
90 Days or More Past Due and Accruing	76	0
Non-Performing Loans | Substandard | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	848	988
Non-accrual loans	848	964
90 Days or More Past Due and Accruing	0	24
Non-Performing Loans | Substandard | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10
Non-accrual loans	10
90 Days or More Past Due and Accruing	0
Non-Performing Loans | Pass | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	39
Non-accrual loans	0
90 Days or More Past Due and Accruing	39
Non-Performing Loans | Pass | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	15
Non-accrual loans	0
90 Days or More Past Due and Accruing	15
Non-Performing Loans | Pass | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment		5
Non-accrual loans		0
90 Days or More Past Due and Accruing		5
Non-Performing Loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,321	4,915
Non-Performing Loans | Current | Real estate loans:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,224	4,915
Non-Performing Loans | Current | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,248	1,923
Non-Performing Loans | Current | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,875	2,806
Non-Performing Loans | Current | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	79	0
Non-Performing Loans | Current | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	22	186
Non-Performing Loans | Current | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	97	0
Non-Performing Loans | Current | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | Current | Substandard | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,248	1,923
Non-Performing Loans | Current | Substandard | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,875	2,806
Non-Performing Loans | Current | Substandard | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	79	0
Non-Performing Loans | Current | Substandard | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	22	186
Non-Performing Loans | Current | Substandard | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	97	0
Non-Performing Loans | Current | Substandard | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0
Non-Performing Loans | Current | Pass | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0
Non-Performing Loans | Current | Pass | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0
Non-Performing Loans | Current | Pass | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment		0
Non-Performing Loans | 30-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	457
Non-Performing Loans | 30-89 Days Past Due | Real estate loans:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	431
Non-Performing Loans | 30-89 Days Past Due | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	431
Non-Performing Loans | 30-89 Days Past Due | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	26
Non-Performing Loans | 30-89 Days Past Due | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	431
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	0
Non-Performing Loans | 30-89 Days Past Due | Substandard | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	26
Non-Performing Loans | 30-89 Days Past Due | Substandard | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0
Non-Performing Loans | 30-89 Days Past Due | Pass | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0
Non-Performing Loans | 30-89 Days Past Due | Pass | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	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		0
Non-Performing Loans | 90 Days or More Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,249	4,441
Non-Performing Loans | 90 Days or More Past Due | Real estate loans:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	3,488	3,503
Non-Performing Loans | 90 Days or More Past Due | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	825	1,362
Non-Performing Loans | 90 Days or More Past Due | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,560	1,947
Non-Performing Loans | 90 Days or More Past Due | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	27	118
Non-Performing Loans | 90 Days or More Past Due | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	76	76
Non-Performing Loans | 90 Days or More Past Due | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	751	938
Non-Performing Loans | 90 Days or More Past Due | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10	0
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	825	1,362
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,560	1,947
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	27	118
Non-Performing Loans | 90 Days or More Past Due | Substandard | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	76	76
Non-Performing Loans | 90 Days or More Past Due | Substandard | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	751	938
Non-Performing Loans | 90 Days or More Past Due | Substandard | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10
Non-Performing Loans | 90 Days or More Past Due | Pass | Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0
Non-Performing Loans | 90 Days or More Past Due | Pass | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	$ 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		$ 0

Loans - Detail and Delinquency

Loans - Detail and Delinquency Status of Loans Held-for-Investment, Excluding PCD/PCI Loans, Net (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	$ 4,229,974	$ 4,243,693
90 Days or More Past Due and Accruing	592	425
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,219,603	4,232,191
90 Days or More Past Due and Accruing	592	425
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,072,741	4,075,261
90 Days or More Past Due and Accruing	577	396
Real estate loans: | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,782,141	2,824,579
90 Days or More Past Due and Accruing	209	233
Real estate loans: | 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	2,772,772	2,815,092
90 Days or More Past Due and Accruing	0	0
Real estate loans: | 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	331
90 Days or More Past Due and Accruing	0
Real estate loans: | 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	9,038	9,487
90 Days or More Past Due and Accruing	209	233
Real estate loans: | Commercial mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	932,987	899,249
90 Days or More Past Due and Accruing	114	8
Real estate loans: | Commercial 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	918,167	869,681
90 Days or More Past Due and Accruing	0	0
Real estate loans: | Commercial 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	722	4,852
90 Days or More Past Due and Accruing	0	0
Real estate loans: | Commercial 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	14,098	24,716
90 Days or More Past Due and Accruing	114	8
Real estate loans: | 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	164,525	173,946
90 Days or More Past Due and Accruing	139	155
Real estate loans: | 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	163,456	171,472
90 Days or More Past Due and Accruing	0	0
Real estate loans: | 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	352	1,716
90 Days or More Past Due and Accruing	0	0
Real estate loans: | 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	717	758
90 Days or More Past Due and Accruing	139	155
Real estate loans: | 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	160,798	152,555
90 Days or More Past Due and Accruing	115	0
Real estate loans: | 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	160,466	152,050
90 Days or More Past Due and Accruing	39	0
Real estate loans: | 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	68	70
90 Days or More Past Due and Accruing	0	0
Real estate loans: | 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	264	435
90 Days or More Past Due and Accruing	76	0
Real estate loans: | 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	32,290	24,932
90 Days or More Past Due and Accruing	0	0
Real estate loans: | 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	32,290	22,862
90 Days or More Past Due and Accruing	0	0
Real estate loans: | 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		2,070
90 Days or More Past Due and Accruing		0
Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	144,788	154,700
90 Days or More Past Due and Accruing	15	24
Commercial and industrial 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	128,652	151,855
90 Days or More Past Due and Accruing	15	0
Commercial and industrial 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	417	386
90 Days or More Past Due and Accruing	0	0
Commercial and industrial 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	15,719	2,459
90 Days or More Past Due and Accruing	0	24
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	2,074	2,230
90 Days or More Past Due and Accruing	0	5
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	2,064	2,230
90 Days or More Past Due and Accruing	0	5
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	10
90 Days or More Past Due and Accruing	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	12,946	8,964
Total Past Due | Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10,049	6,921
Total Past Due | Real estate loans: | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	1,212	1,784
Total Past Due | Real estate loans: | 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	178	189
Total Past Due | Real estate loans: | 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	0
Total Past Due | Real estate loans: | 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	1,034	1,595
Total Past Due | Real estate loans: | Commercial mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,566	3,286
Total Past Due | Real estate loans: | Commercial 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	716	726
Total Past Due | Real estate loans: | Commercial 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	0	0
Total Past Due | Real estate loans: | Commercial 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	3,850	2,560
Total Past Due | Real estate loans: | 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	2,874	945
Total Past Due | Real estate loans: | 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	2,643	603
Total Past Due | Real estate loans: | 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	65	69
Total Past Due | Real estate loans: | 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	166	273
Total Past Due | Real estate loans: | 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	1,397	906
Total Past Due | Real estate loans: | 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	1,155	657
Total Past Due | Real estate loans: | 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	0	0
Total Past Due | Real estate loans: | 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	242	249
Total Past Due | Real estate loans: | 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	0	0
Total Past Due | Real estate loans: | 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	0	0
Total Past Due | Real estate loans: | 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		0
Total Past Due | Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,883	2,033
Total Past Due | Commercial and industrial 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	1,589	573
Total Past Due | Commercial and industrial 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	293	0
Total Past Due | Commercial and industrial 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	1,001	1,460
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	14	10
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	4	10
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	10
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	8,105	4,098
30-89 Days Past Due | Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,984	3,022
30-89 Days Past Due | Real estate loans: | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	178	189
30-89 Days Past Due | Real estate loans: | 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	178	189
30-89 Days Past Due | Real estate loans: | 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	0
30-89 Days Past Due | Real estate loans: | 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	0	0
30-89 Days Past Due | Real estate loans: | Commercial mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	1,892	1,331
30-89 Days Past Due | Real estate loans: | Commercial 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	716	726
30-89 Days Past Due | Real estate loans: | Commercial 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	0	0
30-89 Days Past Due | Real estate loans: | Commercial 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	1,176	605
30-89 Days Past Due | Real estate loans: | 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	2,708	672
30-89 Days Past Due | Real estate loans: | 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	2,643	603
30-89 Days Past Due | Real estate loans: | 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	65	69
30-89 Days Past Due | Real estate loans: | 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	0	0
30-89 Days Past Due | Real estate loans: | 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	1,206	830
30-89 Days Past Due | Real estate loans: | 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	1,116	657
30-89 Days Past Due | Real estate loans: | 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	0	0
30-89 Days Past Due | Real estate loans: | 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	90	173
30-89 Days Past Due | Real estate loans: | 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	0	0
30-89 Days Past Due | Real estate loans: | 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	0	0
30-89 Days Past Due | Real estate loans: | 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		0
30-89 Days Past Due | Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,117	1,071
30-89 Days Past Due | Commercial and industrial 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	1,574	573
30-89 Days Past Due | Commercial and industrial 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	293	0
30-89 Days Past Due | Commercial and industrial 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	250	498
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	4	5
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	4	5
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	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	4,249	4,441
90 Days or More Past Due | Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	3,488	3,503
90 Days or More Past Due | Real estate loans: | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	825	1,362
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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	0
90 Days or More Past Due | Real estate loans: | 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	825	1,362
90 Days or More Past Due | Real estate loans: | Commercial mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,560	1,947
90 Days or More Past Due | Real estate loans: | Commercial 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	0	0
90 Days or More Past Due | Real estate loans: | Commercial 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	0	0
90 Days or More Past Due | Real estate loans: | Commercial 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	2,560	1,947
90 Days or More Past Due | Real estate loans: | 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	27	118
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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	27	118
90 Days or More Past Due | Real estate loans: | 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	76	76
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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	76	76
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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	0	0
90 Days or More Past Due | Real estate loans: | 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		0
90 Days or More Past Due | Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	751	938
90 Days or More Past Due | Commercial and industrial 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	0	0
90 Days or More Past Due | Commercial and industrial 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	0	0
90 Days or More Past Due | Commercial and industrial 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	751	938
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	10	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	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	10
Current | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,206,657	4,223,227
Current | Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,062,692	4,068,340
Current | Real estate loans: | Multifamily | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,780,929	2,822,795
Current | Real estate loans: | 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	2,772,594	2,814,903
Current | Real estate loans: | 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	331
Current | Real estate loans: | 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	8,004	7,892
Current | Real estate loans: | Commercial mortgage | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	928,421	895,963
Current | Real estate loans: | Commercial 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	917,451	868,955
Current | Real estate loans: | Commercial 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	722	4,852
Current | Real estate loans: | Commercial 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	10,248	22,156
Current | Real estate loans: | 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	161,651	173,001
Current | Real estate loans: | 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	160,813	170,869
Current | Real estate loans: | 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	287	1,647
Current | Real estate loans: | 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	551	485
Current | Real estate loans: | 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	159,401	151,649
Current | Real estate loans: | 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	159,311	151,393
Current | Real estate loans: | 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	68	70
Current | Real estate loans: | 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	22	186
Current | Real estate loans: | 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	32,290	24,932
Current | Real estate loans: | 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	32,290	22,862
Current | Real estate loans: | 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		2,070
Current | Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	141,905	152,667
Current | Commercial and industrial 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	127,063	151,282
Current | Commercial and industrial 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	124	386
Current | Commercial and industrial 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	14,718	999
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	2,060	2,220
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	2,060	$ 2,220
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	$ 0

Loans - Non-Accrual Loans, Excl

Loans - Non-Accrual Loans, Excluding PCD Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	$ 9,570	$ 9,813
Unpaid Principal Balance	14,181	10,851
With No Related Allowance	5,016	5,186
Real estate loans: | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	3,073	3,285
Unpaid Principal Balance	3,360	3,294
With No Related Allowance	1,917	2,050
Real estate loans: | Commercial
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	5,435	5,184
Unpaid Principal Balance	5,890	5,639
With No Related Allowance	3,019	3,069
Real estate loans: | One-to-four family residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	106	118
Unpaid Principal Balance	106	118
With No Related Allowance	0	0
Real estate loans: | Home equity and lines of credit
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	98	262
Unpaid Principal Balance	348	512
With No Related Allowance	0	0
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	848	964
Unpaid Principal Balance	4,468	1,288
With No Related Allowance	80	$ 67
Other loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	10
Unpaid Principal Balance	9
With No Related Allowance	$ 0

Loans - Interest Income on Non-

Loans - Interest Income on Non-Accrual Loans, Excluding PCD Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	$ 153	$ 62	$ 411	$ 221
Real estate loans: | Multifamily
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	41	25	144	73
Real estate loans: | Commercial
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	63	26	183	108
Real estate loans: | One-to-four family residential mortgage
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	1	0	6	10
Real estate loans: | Home equity and lines of credit
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	0	5	1	16
Commercial and industrial
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	$ 48	$ 6	$ 77	$ 14

Loans - Narrative, Collateral-D

Loans - Narrative, Collateral-Dependent Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	$ 7,000	$ 7,400
Real estate loans: | Commercial mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	4,700
Real estate loans: | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	1,900
Real estate loans: | One-to-four family residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	$ 309

Loans - Amortized Cost Basis of

Loans - Amortized Cost Basis of Loan Modifications (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2023 USD ($)	Sep. 30, 2023 USD ($)
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 14,036	$ 14,555
Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage
Payment Delay
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 267	$ 332
Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	13,379	$ 13,379
Debt instrument, convertible, conversion ratio		1.84
Loans held-for-investment	18,000	$ 18,000
Payment Delay and Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	208
Payment Delay, Term Extension, and Interest Rate Reductions
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	390	636
Commercial mortgage
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 171	$ 236
Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage	0.02%	0.03%
Commercial mortgage | Payment Delay
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 171	$ 236
Commercial mortgage | Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial mortgage | Payment Delay and Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial mortgage | Payment Delay, Term Extension, and Interest Rate Reductions
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial and industrial loans
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 13,865	$ 14,319
Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage	9.58%	9.89%
Commercial and industrial loans | Payment Delay
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 96	$ 96
Commercial and industrial loans | Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	13,379	13,379
Commercial and industrial loans | Payment Delay and Interest Rate Reduction
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	208
Commercial and industrial loans | Payment Delay, Term Extension, and Interest Rate Reductions
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 390	$ 636

Loans - Financial Effect of Loa

Loans - Financial Effect of Loan Modifications (Details)	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023
Receivables [Abstract]
Weighted-Average Term Extension (in months)	3 months 12 days	3 months 15 days
Weighted-Average Interest Rate Reduction	2.87%	3.75%

Loans - Narrative, Loan Modific

Loans - Narrative, Loan Modifications Made to Borrowers Experiencing Financial Difficulty (Details) $ in Thousands	3 Months Ended
	Sep. 30, 2023 USD ($)
Commercial and industrial
Financing Receivable, Modified [Line Items]
Loan balance charged-off	$ 76

Loans - Aging Analysis of Loan

Loans - Aging Analysis of Loan Modifications (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2023
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 14,036	$ 14,555
Current
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	13,865	14,319
30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	65
90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Total Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	171	171
Commercial mortgage
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	171	236
Commercial mortgage | Current
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial mortgage | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	65
Commercial mortgage | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial mortgage | Total Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	171	171
Commercial and industrial
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	13,865	14,319
Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	13,865	14,319
Commercial and industrial | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial and industrial | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0
Commercial and industrial | Total Past Due
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	$ 0

Loans - Narrative, Troubled Deb

Loans - Narrative, Troubled Debt Restructurings (Details) $ in Millions	3 Months Ended	9 Months Ended
	Sep. 30, 2022 contract	Sep. 30, 2022 contract	Dec. 31, 2022 USD ($)
Receivables [Abstract]
Number of contracts	0	0
Troubled debt restructurings | $			$ 7
Number of TDR loans restructured that subsequently defaulted (contract)		0

Allowance for Credit Losses (_3

Allowance for Credit Losses (“ACL”) on Loans - Narrative (Details) - USD ($)	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021
Credit Loss [Abstract]
Individually evaluated for impairment threshold	$ 500,000
Individually evaluated for impairment	45,300		$ 38,200
Allowance for credit loss	$ 38,480,000	$ 41,154,000	$ 42,617,000	$ 41,883,000	$ 39,031,000	$ 38,973,000

Allowance for Credit Losses (_4

Allowance for Credit Losses (“ACL”) on Loans - Allowance for Credit Losses for Off-Balance Sheet Credit (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Beginning balance	$ 241	$ 2,480	$ 791	$ 1,852
Provision (benefit) for credit losses	160	(1,888)	(390)	(1,260)
Ending balance	$ 401	$ 592	$ 401	$ 592

Allowance for Credit Losses (_5

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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 41,154,000	$ 39,031,000	$ 42,617,000	$ 38,973,000
Charge-offs	(2,904,000)	(75,000)	(5,323,000)	(785,000)
Recoveries	42,000	224,000	104,000	440,000
Provisions (credit)	188,000	2,703,000	1,082,000	3,255,000
Ending balance	38,480,000	41,883,000	38,480,000	41,883,000
Originated Loans Net
Ending balance: individually evaluated for impairment	45,300		45,300		$ 38,200
Ending balance: collectively evaluated for impairment	35,327,000		35,327,000		38,696,000
Ending balance: PCD loans evaluated for impairment	3,108,000		3,108,000		3,883,000
Ending balance	4,229,974,000		4,229,974,000		4,243,693,000
Ending balance: individually evaluated for impairment	8,416,000		8,416,000		8,939,000
Ending balance: collectively evaluated for impairment	4,210,862,000		4,210,862,000		4,218,109,000
Ending balance: PCD loans evaluated for impairment	10,371,000		10,371,000		11,502,000
PPP loans not evaluated for impairment	325,000		325,000		5,143,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	37,428,000	34,873,000	38,734,000	34,241,000
Charge-offs	(2,904,000)	0	(5,315,000)	(185,000)
Recoveries	34,000	46,000	96,000	262,000
Provisions (credit)	814,000	2,942,000	1,857,000	3,543,000
Ending balance	35,372,000	37,861,000	35,372,000	37,861,000
Originated Loans Net
Ending balance: individually evaluated for impairment	45,000		45,000		38,000
Ending balance: collectively evaluated for impairment	35,327,000		35,327,000		38,696,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	4,219,603,000		4,219,603,000		4,232,191,000
Ending balance: individually evaluated for impairment	8,416,000		8,416,000		8,939,000
Ending balance: collectively evaluated for impairment	4,210,862,000		4,210,862,000		4,218,109,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	325,000		325,000		5,143,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Originated Loans Net
Ending balance	4,072,741,000		4,072,741,000		4,075,261,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial and industrial loans
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,295,000	2,705,000	4,114,000	3,173,000
Charge-offs	(2,904,000)	0	(5,315,000)	(185,000)
Recoveries	20,000	12,000	47,000	131,000
Provisions (credit)	1,391,000	238,000	6,956,000	(164,000)
Ending balance	5,802,000	2,955,000	5,802,000	2,955,000
Originated Loans Net
Ending balance: individually evaluated for impairment	18,000		18,000		18,000
Ending balance: collectively evaluated for impairment	5,784,000		5,784,000		4,096,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	144,788,000		144,788,000		154,700,000
Ending balance: individually evaluated for impairment	87,000		87,000		94,000
Ending balance: collectively evaluated for impairment	144,376,000		144,376,000		149,463,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	325,000		325,000		5,143,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Other loans
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,000	11,000	9,000	9,000
Charge-offs	0	0	0	0
Recoveries	0	4,000	0	4,000
Provisions (credit)	0	(9,000)	(2,000)	(7,000)
Ending balance	7,000	6,000	7,000	6,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	7,000		7,000		9,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	2,074,000		2,074,000		2,230,000
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	2,074,000		2,074,000		2,230,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	0		0		0
PCD loans
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	3,726,000	4,158,000	3,883,000	4,732,000
Charge-offs	0	(75,000)	(8,000)	(600,000)
Recoveries	8,000	178,000	8,000	178,000
Provisions (credit)	(626,000)	(239,000)	(775,000)	(288,000)
Ending balance	3,108,000	4,022,000	3,108,000	4,022,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	0		0		0
Ending balance: PCD loans evaluated for impairment	3,108,000		3,108,000		3,883,000
Ending balance	10,371,000		10,371,000		11,502,000
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	0		0		0
Ending balance: PCD loans evaluated for impairment	10,371,000		10,371,000		11,502,000
PPP loans not evaluated for impairment	0		0		0
Commercial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	24,733,000	28,065,000	29,485,000	26,785,000
Charge-offs	0	0	0	0
Recoveries	14,000	4,000	48,000	101,000
Provisions (credit)	(409,000)	2,117,000	(5,195,000)	3,300,000
Ending balance	24,338,000	30,186,000	24,338,000	30,186,000
Originated Loans Net
Ending balance: individually evaluated for impairment	24,000		24,000		18,000
Ending balance: collectively evaluated for impairment	24,313,000		24,313,000		29,467,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	3,715,128,000		3,715,128,000		3,723,828,000
Ending balance: individually evaluated for impairment	7,681,000		7,681,000		8,152,000
Ending balance: collectively evaluated for impairment	3,707,447,000		3,707,447,000		3,715,676,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	0		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	3,814,000	3,005,000	3,936,000	3,545,000
Charge-offs	0	0	0	0
Recoveries	0	7,000	0	7,000
Provisions (credit)	(243,000)	553,000	(365,000)	13,000
Ending balance	3,571,000	3,565,000	3,571,000	3,565,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	3,571,000		3,571,000		3,936,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	164,525,000		164,525,000		173,946,000
Ending balance: individually evaluated for impairment	624,000		624,000		666,000
Ending balance: collectively evaluated for impairment	163,901,000		163,901,000		173,280,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	0		0		0
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	1,278,000	802,000	866,000	560,000
Charge-offs	0	0	0	0
Recoveries	0	19,000	1,000	19,000
Provisions (credit)	77,000	53,000	488,000	295,000
Ending balance	1,355,000	874,000	1,355,000	874,000
Originated Loans Net
Ending balance: individually evaluated for impairment	3,000		3,000		2,000
Ending balance: collectively evaluated for impairment	1,353,000		1,353,000		864,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	160,798,000		160,798,000		152,555,000
Ending balance: individually evaluated for impairment	24,000		24,000		27,000
Ending balance: collectively evaluated for impairment	160,774,000		160,774,000		152,528,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	0		0		0
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	301,000	285,000	324,000	169,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credit)	(2,000)	(10,000)	(25,000)	106,000
Ending balance	299,000	$ 275,000	299,000	$ 275,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	299,000		299,000		324,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Ending balance	32,290,000		32,290,000		24,932,000
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	32,290,000		32,290,000		24,932,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	$ 0		$ 0		$ 0

Deposits - Deposit Account Bala

Deposits - Deposit Account Balances (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Deposits [Abstract]
Non-interest-bearing checking	$ 727,605	$ 852,660
Negotiable orders of withdrawal (“NOW”) and interest-bearing checking	1,150,647	1,132,290
Savings and money market	1,259,519	1,425,247
Certificates of deposit	530,742	740,022
Total deposits	$ 3,668,513	$ 4,150,219

Deposits - Interest Expense On

Deposits - Interest Expense On Deposits (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Deposits [Abstract]
NOW and interest-bearing checking, savings, and money market	$ 8,865	$ 701	$ 19,194	$ 1,871
Certificates of deposit	4,749	1,420	12,724	2,743
Total interest expense on deposit accounts	$ 13,614	$ 2,121	$ 31,918	$ 4,614

Subordinated Debt (Details)

Subordinated Debt (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
	Jun. 17, 2022	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Debt Instrument [Line Items]
Subordinated debentures, net of issuance costs		$ 61,163		$ 61,163		$ 60,996
Amortization expense				$ 167	$ 56
Subordinated Debt
Debt Instrument [Line Items]
Subordinated debentures, net of issuance costs	$ 62,000
Subordinated notes interest rate				5%
Debt issuance costs	$ 1,100
Amortization expense		$ 56	$ 56	$ 167	$ 56
Secured Overnight Financing Rate (SOFR) | Subordinated Debt
Debt Instrument [Line Items]
Basis points	2%

Equity Incentive Plans - Stock

Equity Incentive Plans - Stock Options Outstanding (Details) - $ / shares	9 Months Ended	12 Months Ended
	Sep. 30, 2023	Dec. 31, 2022
Number of Stock Options
Beginning Balance (in shares)	1,582,826
Forfeited or cancelled (in shares)	(30,920)
Exercised (in shares)	(7,600)
Ending Balance (in shares)	1,544,306	1,582,826
Exercisable (in shares)	1,544,306
Weighted Average Grant Date Fair Value
Beginning Balance (usd per share)	$ 4.03
Forfeited or cancelled (usd per share)	3.97
Exercised (usd per share)	3.91
Ending Balance (usd per share)	4.03	$ 4.03
Exercisable (usd per share)	4.03
Weighted Average Exercise Price
Beginning Balance (usd per share)	14.04
Forfeited or cancelled (usd per share)	13.79
Exercised (usd per share)	13.13
Ending Balance (usd per share)	14.05	$ 14.04
Exercisable (usd per share)	$ 14.05
Weighted Average Contractual Life (years)
Outstanding	1 year 3 months 3 days	2 years 3 days
Exercisable	1 year 3 months 3 days

Equity Incentive Plans - Narrat

Equity Incentive Plans - Narrative (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
	Jan. 27, 2023	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)				192,249
Allocated share-based compensation expense		$ 577	$ 456	$ 1,800	$ 1,300
Performance Shares | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares issuable based on threshold performance	0%
Performance Shares | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares issuable based on threshold performance	120%
Restricted Share Awards And Performance-Based Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Expected future stock-based compensation expense		$ 3,700		$ 3,700
Average period of expected future stock option expense				1 year 10 months 24 days
2019 Equity Incentive Plan | Restricted Stock Units (RSUs)
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	157,525
Grant date value	$ 2,300
2019 Equity Incentive Plan | Restricted Stock Units (RSUs) | Share-based Payment Arrangement, Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	33,813
Award vesting period	1 year
2019 Equity Incentive Plan | Restricted Stock Units (RSUs) | Share-based Payment Arrangement, Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	123,712
Award vesting period	3 years
Period after grant date to begin vesting period	1 year
2019 Equity Incentive Plan | Performance Shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)	34,724
Grant date value	$ 499
Award vesting period	3 years

Equity Incentive Plans - Status

Equity Incentive Plans - Status of the Company's Restricted Share Awards And Performance-Based Restricted Stock Units (Details)	9 Months Ended
	Sep. 30, 2023 $ / shares shares
Number of Shares Awarded
Beginning Balance (in shares) | shares	321,501
Granted (in shares) | shares	192,249
Incremental performance-based restricted stock units earned share (in shares) | shares	10,353
Vested (in shares) | shares	(124,586)
Forfeited (in shares) | shares	(37,123)
Ending Balance (in shares) | shares	362,394
Weighted Average Grant Date Fair Value
Beginning Balance (in dollars per share) | $ / shares	$ 14.66
Granted (usd per share) | $ / shares	14.37
Incremental performance-based restricted stock units earned share (usd per share) | $ / shares	0
Vested (usd per share) | $ / shares	13.96
Forfeited (usd per share) | $ / shares	14.33
Ending Balance (in dollars per share) | $ / shares	$ 14.36

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	$ 743,699	$ 952,173
Trading securities	11,504	10,751
Individually evaluated loans	4,374	4,640
Investment measured at fair value	10,300	10,100
U.S. Government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	72,309	72,076
Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	347,044	432,618
Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	102,786	182,755
Measured on a recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	743,699	952,173
Trading securities	11,504	10,751
Equity securities	348	361
Total	755,551	963,285
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	72,309	72,076
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	568,604	697,342
Measured on a recurring basis | Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	347,044	432,618
Measured on a recurring basis | REMICs, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	221,560	264,724
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	763	21
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	102,023	182,734
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	102,786	182,755
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	11,504	10,751
Equity securities	348	361
Total	11,852	11,112
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) | 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) | 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) | 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) | 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	743,699	952,173
Trading securities	0	0
Equity securities	0	0
Total	743,699	952,173
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	72,309	72,076
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	568,604	697,342
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	347,044	432,618
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | REMICs, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	221,560	264,724
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	763	21
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	102,023	182,734
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	102,786	182,755
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) | 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) | 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) | 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) | 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	4,374	4,640
Measured on a non-recurring basis | Real estate loans:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	4,314	4,578
Measured on a non-recurring basis | Real estate loans: | Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	2,376	2,631
Measured on a non-recurring basis | Real estate loans: | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	1,917	1,923
Measured on a non-recurring basis | Real estate loans: | Home equity and lines of credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	21	24
Measured on a non-recurring basis | Commercial and industrial loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	60	62
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 loans:
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 loans: | 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 loans: | Multifamily
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 loans: | 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) | Commercial and industrial loans
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)
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 loans:
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 loans: | 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 loans: | Multifamily
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 loans: | 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) | Commercial and industrial loans
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 Unobservable Inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total	4,374	4,640
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real estate loans:
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	4,314	4,578
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real estate loans: | Commercial real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	2,376	2,631
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real estate loans: | Multifamily
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	1,917	1,923
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Real estate loans: | Home equity and lines of credit
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	21	24
Measured on a non-recurring basis | Significant Unobservable Inputs (Level 3) | Commercial and industrial loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 60	$ 62

Fair Value Measurements - Quali

Fair Value Measurements - Qualitative Information for Level 3 Assets Measured at Fair Value on a Non-Recurring Basis (Details) $ in Thousands	Sep. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Individually evaluated loans	$ 4,374	$ 4,640
Appraisals | Discount for costs to sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable	0.070	0.070
Appraisals | Discount for quick sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable	0.100	0.100
Discounted cash flows | Interest rates | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable	0.0488	0.0488
Discounted cash flows | Interest rates | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Loans receivable	0.0750	0.0750

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details) - USD ($)	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Fair Value Disclosures [Abstract]
Impaired loans held-for-investment and held-for-sale with outstanding principal balances	$ 6,100,000		$ 6,700,000
Estimated fair value of impaired loans held-for-investment and held-for-sale	4,400,000		4,600,000
Increase in net impairment charges	7,100	$ 15,400
Net recoveries (charge offs)	5,200,000	$ 345,000
Assets acquired through foreclosure	$ 0		$ 0

Fair Value Measurements - Estim

Fair Value Measurements - Estimated Fair Values of the Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financial assets:
Trading securities	$ 11,504	$ 10,751
Debt securities available-for-sale	743,699	952,173
Debt securities held-to-maturity	9,371	10,389
Loans held-for-sale	950
Financial liabilities:
Subordinated debentures, net of issuance costs	61,163	60,996
Investment measured at fair value	10,300	10,100
Carrying Value
Financial assets:
Cash and cash equivalents	80,556	45,799
Trading securities	11,504	10,751
Debt securities available-for-sale	743,699	952,173
Debt securities held-to-maturity	10,114	10,760
Equity securities	348	361
FHLBNY stock, at cost	41,165	30,382
Loans held-for-sale	950
Net loans held-for-investment	4,191,494	4,201,076
Derivative assets	6,515	5,321
Financial liabilities:
Deposits	3,668,513	4,150,219
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	918,973	583,859
Subordinated debentures, net of issuance costs	61,163	60,996
Advance payments by borrowers for taxes and insurance	25,968	25,995
Derivative liabilities	6,516	5,321
Estimated Fair Value
Financial assets:
Cash and cash equivalents	80,556	45,799
Trading securities	11,504	10,751
Debt securities available-for-sale	743,699	952,173
Debt securities held-to-maturity	9,371	10,389
Equity securities	348	361
FHLBNY stock, at cost	41,165	30,382
Net loans held-for-investment	3,942,539	4,016,849
Derivative assets	6,515	5,321
Financial liabilities:
Deposits	3,669,988	4,148,938
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	850,551	564,588
Subordinated debentures, net of issuance costs	45,196	54,393
Advance payments by borrowers for taxes and insurance	25,968	25,995
Derivative liabilities	6,516	5,321
Estimated Fair Value | Level 1
Financial assets:
Cash and cash equivalents	80,556	45,799
Trading securities	11,504	10,751
Debt securities available-for-sale	0	0
Debt securities held-to-maturity	0	0
Equity securities	348	361
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
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	0	0
Subordinated debentures, net of issuance costs	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	743,699	952,173
Debt securities held-to-maturity	9,371	10,389
Equity securities	0	0
FHLBNY stock, at cost	41,165	30,382
Loans held-for-sale	0
Net loans held-for-investment	0	0
Derivative assets	6,515	5,321
Financial liabilities:
Deposits	3,669,988	4,148,938
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	850,551	564,588
Subordinated debentures, net of issuance costs	45,196	54,393
Advance payments by borrowers for taxes and insurance	25,968	25,995
Derivative liabilities	6,516	5,321
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	950
Net loans held-for-investment	3,942,539	4,016,849
Derivative assets	0	0
Financial liabilities:
Deposits	0	0
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	0	0
Subordinated debentures, net of issuance costs	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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Earnings Per Share [Abstract]
Net income available to common stockholders	$ 8,181	$ 16,979	$ 29,447	$ 46,980
Weighted average shares outstanding-basic (in shares)	42,866,246	46,047,104	43,848,873	46,486,086
Effect of non-vested restricted stock and stock, performance-based restricted stock units and options outstanding (in shares)	51,928	189,557	78,477	170,997
Weighted average shares outstanding-diluted (in shares)	42,918,174	46,236,661	43,927,350	46,657,083
Earnings per share-basic (usd per share)	$ 0.19	$ 0.37	$ 0.67	$ 1.01
Earnings per share-diluted (usd per share)	$ 0.19	$ 0.37	$ 0.67	$ 1.01
Anti-dilutive shares (in shares)	1,707,261	738,103	1,492,290	978,187

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	1 Months Ended
	Nov. 09, 2023	Sep. 30, 2023	Dec. 31, 2022
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets		$ 31,407	$ 34,288
Operating lease liabilities		$ 36,535	$ 39,790
Lease term not yet commenced		10 years
Undiscounted cash payments		$ 850
Subsequent Event
Lessee, Lease, Description [Line Items]
Term of lease	5 years
Renewal term	5 years
Lessee, operating lease, term of intent to exercise options	5 years
Fixed rent amount per month	$ 19,657
Operating leases, rent expense	$ 1,200
Minimum
Lessee, Lease, Description [Line Items]
Term of lease		2 months
Renewal term		5 years
Maximum
Lessee, Lease, Description [Line Items]
Term of lease		31 years 9 months 18 days
Renewal term		10 years

Leases - Supplemental Lease Inf

Leases - Supplemental Lease Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Leases [Abstract]
Operating lease cost	$ 1,471	$ 1,499	$ 4,482	$ 4,489
Variable lease cost	1,067	964	2,909	2,792
Net lease cost	2,538	2,463	7,391	7,281
Cash paid for amounts included in measurement of operating lease liabilities	1,632	1,590	4,853	4,751
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 582	$ 0	$ 645	$ 4,983
Weighted average remaining lease term	11 years 1 month 6 days	11 years 3 months 14 days	11 years 1 month 6 days	11 years 3 months 14 days
Weighted average discount rate	3.59%	3.53%	3.59%	3.53%

Leases - Lease Payments Obligat

Leases - Lease Payments Obligations (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Leases [Abstract]
2023	$ 1,635
2024	6,133
2025	5,792
2026	5,029
2027	4,068
Thereafter	23,146
Total lease payments	45,803
Less: imputed interest	(9,268)
Present value of lease liabilities	$ 36,535	$ 39,790

Derivatives - Narrative (Detail

Derivatives - Narrative (Details) - Interest Rate Swap	3 Months Ended		9 Months Ended
	Sep. 30, 2023 USD ($) instrument	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) instrument	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($) instrument
Derivative [Line Items]
Number of derivative instruments held | instrument	9		9		7
Derivative, notional amount	$ 64,000,000		$ 64,000,000		$ 37,000,000
Swap income	$ 20,000	$ 0	$ 251,000	$ 0

Derivatives - Fair Value of Der

Derivatives - Fair Value of Derivatives (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Other assets
Derivative [Line Items]
Fair value of derivative asset	$ 6,515	$ 5,321
Other liabilities
Derivative [Line Items]
Fair value of derivative liability	$ 6,516	$ 5,321