Northfield Bancorp, Inc. (NFBK) 10-Q 12 Nov 24 2024 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2024	Oct. 31, 2024
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
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	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		42,904,081
Entity Central Index Key	0001493225
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 14,193	$ 13,889
Interest-bearing deposits in other financial institutions	218,733	215,617
Total cash and cash equivalents	232,926	229,506
Trading securities	13,759	12,549
Debt securities available-for-sale, at estimated fair value (with no allowance for credit losses at September 30, 2024 and December 31, 2023)	1,063,486	795,464
Debt securities held-to-maturity, at amortized cost (estimated fair value of $9,519 at September 30, 2024, and $9,586 at December 31, 2023, with no allowance for credit losses at September 30, 2024 and December 31, 2023)	9,681	9,866
Equity securities	10,699	10,629
Loans held-for-sale	4,897	0
Loans held-for-investment	4,059,106	4,203,654
Less: allowance for credit losses	(35,197)	(37,535)
Net loans held-for-investment	4,023,909	4,166,119
Accrued interest receivable	19,299	18,491
Bank-owned life insurance	174,482	171,543
Federal Home Loan Bank (“FHLB”) of New York stock, at cost	37,269	39,667
Operating lease right-of-use assets	28,943	30,202
Premises and equipment, net	22,973	24,771
Goodwill	41,012	41,012
Other assets	47,516	48,577
Total assets	5,730,851	5,598,396
LIABILITIES:
Deposits	3,875,569	3,878,435
Securities sold under agreements to repurchase	0	25,000
FHLB advances and other borrowings	990,871	834,272
Subordinated debentures, net of issuance costs	61,386	61,219
Operating lease liabilities	33,529	35,205
Advance payments by borrowers for taxes and insurance	22,492	25,102
Accrued expenses and other liabilities	47,440	39,718
Total liabilities	5,031,287	4,898,951
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, 2024 and December 31, 2023, 42,904,342 and 44,524,929 outstanding at September 30, 2024 and December 31, 2023, respectively	648	648
Additional paid-in-capital	590,164	590,973
Unallocated common stock held by employee stock ownership plan	(13,692)	(14,340)
Retained earnings	435,459	433,227
Accumulated other comprehensive loss	(18,316)	(32,442)
Treasury stock at cost: 21,866,533 and 20,245,946 shares at September 30, 2024 and December 31, 2023, respectively	(294,699)	(278,621)
Total stockholders’ equity	699,564	699,445
Total liabilities and stockholders’ equity	$ 5,730,851	$ 5,598,396

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) - USD ($)	Sep. 30, 2024	Dec. 31, 2023
Statement of Financial Position [Abstract]
Debt securities available-for-sale, allowance for credit loss	$ 0	$ 0
Debt securities held-to-maturity	9,519,000	9,586,000
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)	42,904,342	44,524,929
Treasury stock, shares (in shares)	21,866,533	20,245,946

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest income:
Loans	$ 46,016	$ 46,213	$ 138,030	$ 135,220
Mortgage-backed securities	8,493	3,664	20,246	11,170
Other securities	2,684	1,095	10,031	3,593
FHLB of New York dividends	914	933	2,819	2,125
Deposits in other financial institutions	1,211	831	7,060	2,225
Total interest income	59,318	52,736	178,186	154,333
Interest expense:
Deposits	20,304	13,614	60,241	31,918
Borrowings	9,949	8,593	30,653	24,182
Subordinated debt	836	837	2,492	2,484
Total interest expense	31,089	23,044	93,386	58,584
Net interest income	28,229	29,692	84,800	95,749
Provision for credit losses	2,542	188	2,339	1,082
Net interest income after provision for credit losses	25,687	29,504	82,461	94,667
Non-interest income:
Fees and service charges for customer services	1,611	1,317	4,796	4,006
Income on bank-owned life insurance	999	920	2,939	2,679
Losses on available-for-sale debt securities, net	(7)	0	(6)	(17)
Gains (losses) on trading securities, net	710	(295)	1,597	723
Gain on sale of loans	0	99	51	134
Other	265	80	441	744
Total non-interest income	3,578	2,121	9,818	8,269
Non-interest expense:
Compensation and employee benefits	11,424	10,920	37,577	34,310
Occupancy	3,030	3,416	9,805	10,032
Furniture and equipment	450	479	1,411	1,393
Data processing	1,780	1,994	6,104	6,308
Professional fees	943	883	2,433	2,622
Advertising	282	414	1,282	1,834
Federal Deposit Insurance Corporation insurance	626	591	1,863	1,763
Credit loss expense (benefit) for off-balance sheet exposures	151	160	337	(390)
Other	1,692	1,710	4,891	4,598
Total non-interest expense	20,378	20,567	65,703	62,470
Income before income tax expense	8,887	11,058	26,576	40,466
Income tax expense	2,364	2,877	7,882	11,019
Net income	$ 6,523	$ 8,181	$ 18,694	$ 29,447
Net income per common share:
Basic (usd per share)	$ 0.16	$ 0.19	$ 0.45	$ 0.67
Diluted (usd per share)	$ 0.16	$ 0.19	$ 0.45	$ 0.67
Net income	$ 6,523	$ 8,181	$ 18,694	$ 29,447
Unrealized gains (losses) on debt securities available-for-sale:
Net unrealized holding gains (losses)	15,352	(4,039)	19,527	467
Less: reclassification adjustment for net losses included in net income	7	0	6	17
Net unrealized gains (losses)	15,359	(4,039)	19,533	484
Post-retirement benefits adjustment	0	0	58	0
Other comprehensive income (loss) before tax	15,359	(4,039)	19,591	484
Income tax (expense) benefit related to net unrealized holding gains (losses) on debt securities available-for-sale	(4,272)	1,130	(5,447)	(131)
Income tax benefit related to reclassification adjustment for losses included in net income	(2)	0	(2)	(5)
Income tax benefit related to post retirement benefit adjustment	0	0	(16)	0
Other comprehensive income (loss), net of tax	11,085	(2,909)	14,126	348
Comprehensive income	$ 17,608	$ 5,272	$ 32,820	$ 29,795

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, 2022		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 (loss) income, 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
Exercise of stock options, net	100		(7)				107
Cash dividends declared and paid	(17,265)				(17,265)
Repurchase of treasury stock, including excise tax (in shares)		(2,643,811)
Repurchase of treasury stock, including excise tax	(32,747)						(32,747)
Ending Balance, Common Stock (in shares) at Sep. 30, 2023		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 (loss) income, 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, including excise tax (in shares)		(285,588)
Repurchase of treasury stock, including excise tax	(3,160)						(3,160)
Ending Balance, Common Stock (in shares) at Sep. 30, 2023		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 Dec. 31, 2023	44,524,929	44,524,929
Beginning Balance at Dec. 31, 2023	$ 699,445	$ 648	590,973	(14,340)	433,227	(32,442)	(278,621)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	18,694				18,694
Other comprehensive (loss) income, net of tax	14,126					14,126
ESOP shares allocated or committed to be released	805		157	648
Stock compensation expense	1,632		1,632
Restricted stock issuance (in shares)		213,702
Restricted stock issuance	0		(2,772)				2,772
Restricted stock forfeitures (in shares)		(12,714)
Restricted stock forfeitures	0		174				(174)
Cash dividends declared and paid	(16,462)				(16,462)
Purchase of employee restricted stock to fund statutory tax withholding (in shares)		(19,503)
Purchase of employee restricted stock to fund statutory tax withholding	(231)						(231)
Repurchase of treasury stock, including excise tax (in shares)		(1,802,072)
Repurchase of treasury stock, including excise tax	$ (18,445)						(18,445)
Ending Balance, Common Stock (in shares) at Sep. 30, 2024	42,904,342	42,904,342
Ending Balance at Sep. 30, 2024	$ 699,564	$ 648	590,164	(13,692)	435,459	(18,316)	(294,699)
Beginning Balance, Common Stock (in shares) at Jun. 30, 2024		43,466,961
Beginning Balance at Jun. 30, 2024	693,024	$ 648	589,349	(13,909)	434,310	(29,401)	(287,973)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	6,523				6,523
Other comprehensive (loss) income, net of tax	11,085					11,085
ESOP shares allocated or committed to be released	297		80	217
Stock compensation expense	717		717
Restricted stock forfeitures (in shares)		(1,198)
Restricted stock forfeitures	0		18				(18)
Cash dividends declared and paid	(5,374)				(5,374)
Purchase of employee restricted stock to fund statutory tax withholding (in shares)		(738)
Purchase of employee restricted stock to fund statutory tax withholding	(8)						(8)
Repurchase of treasury stock, including excise tax (in shares)		(560,683)
Repurchase of treasury stock, including excise tax	$ (6,700)						(6,700)
Ending Balance, Common Stock (in shares) at Sep. 30, 2024	42,904,342	42,904,342
Ending Balance at Sep. 30, 2024	$ 699,564	$ 648	$ 590,164	$ (13,692)	$ 435,459	$ (18,316)	$ (294,699)

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders’ Equity (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
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)	$ 11.95	$ 11.06	$ 10.24	$ 12.27

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Statement of Cash Flows [Abstract]
Net income	$ 18,694	$ 29,447
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	2,339	1,082
ESOP and stock compensation expense	2,437	2,802
Depreciation	2,710	2,765
Amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees	754	5,483
Amortization of debt issuance costs	167	167
Amortization of intangible assets	64	93
Amortization of operating lease right-of-use assets	3,486	3,526
Income on bank-owned life insurance	(2,939)	(2,679)
Net gain on sale of loans	(51)	(134)
Proceeds from sale of loans held-for-sale	673	1,583
Origination of loans held-for-sale	(622)	(1,449)
Losses on available-for-sale debt securities, net	6	17
Gains on trading securities, net	(1,597)	(723)
Loss on sale of other real estate owned, net	0	7
Net sales (purchases) of trading securities	387	(30)
(Increase) decrease in accrued interest receivable	(808)	71
Increase in other assets	(8,313)	(12,157)
Increase in accrued expenses and other liabilities	7,722	2,813
Net cash provided by operating activities	25,109	32,684
Cash flows from investing activities:
Net decrease in loans receivable	135,317	10,190
Purchases of loans	(1,529)	(3,781)
Purchases of FHLB of New York stock	(6,381)	(44,998)
Redemptions of FHLB of New York stock	8,779	34,215
Purchases of debt securities available-for-sale	(928,815)	(765)
Purchases of equity securities	(70)	(185)
Principal payments and maturities on debt securities available-for-sale	680,751	205,310
Principal payments and maturities on debt securities held-to-maturity	186	630
Proceeds from sale of other real estate owned	0	63
Purchases and improvements of premises and equipment	(912)	(2,075)
Net cash (used in) provided by investing activities	(112,674)	198,604
Cash flows from financing activities:
Net decrease in deposits	(2,866)	(481,706)
Dividends paid	(16,462)	(17,265)
Exercise of stock options	0	100
Purchase of treasury stock	(18,676)	(32,747)
Decrease in advance payments by borrowers for taxes and insurance	(2,610)	(27)
Proceeds from borrowings and securities sold under agreements to repurchase	455,684	743,553
Repayments related to securities sold under agreements to repurchase and other borrowings	(324,085)	(408,439)
Net cash provided by (used in) financing activities	90,985	(196,531)
Net increase in cash and cash equivalents	3,420	34,757
Cash and cash equivalents at beginning of period	229,506	45,799
Cash and cash equivalents at end of period	232,926	80,556
Cash paid during the period for:
Interest	87,322	56,109
Income taxes	6,178	13,336
Non-cash transactions:
Loan charge-offs, net	4,667	5,219
Transfer of loans held-for-investment to other real estate owned	0	70
Right-of-use assets obtained in exchange for new lease liabilities	2,227	645
Transfer of loans held-for-investment to loans held-for-sale at fair value	$ 4,897	$ 950

Consolidated Financial Statemen

Consolidated Financial Statements	9 Months Ended
	Sep. 30, 2024
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, 2024 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2024 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.

Debt Securities Available-for-S

Debt Securities Available-for-Sale	9 Months Ended
	Sep. 30, 2024
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, 2024 and December 31, 2023 (in thousands): September 30, 2024 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities 75,734 — (833) 74,901 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 295,840 3 (18,194) 277,649 Real estate mortgage investment conduits ("REMICs"): GSE 597,142 1,694 (7,075) 591,761 Total mortgage-backed securities 892,982 1,697 (25,269) 869,410 Other debt securities: Municipal bonds 684 — — 684 Corporate bonds 119,574 81 (1,164) 118,491 120,258 81 (1,164) 119,175 Total debt securities available-for-sale $ 1,088,974 $ 1,778 $ (27,266) $ 1,063,486 December 31, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Treasuries $ 44,364 $ 15 $ — $ 44,379 U.S. Government agency securities 75,898 — (1,990) 73,908 Mortgage-backed securities: Pass-through certificates: GSE 365,823 2 (28,285) 337,540 REMICs: GSE 224,931 — (11,831) 213,100 Total mortgage-backed securities 590,754 2 (40,116) 550,640 Other debt securities: Municipal bonds 765 — (2) 763 Corporate bonds 128,704 43 (2,973) 125,774 129,469 43 (2,975) 126,537 Total debt securities available-for-sale $ 840,485 $ 60 $ (45,081) $ 795,464 The following is a summary of the expected maturity distribution of debt securities available-for-sale, other than mortgage-backed securities, at September 30, 2024 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 94,396 $ 93,588 Due after one year through five years 93,596 92,919 Due after five years through ten years 8,000 7,569 $ 195,992 $ 194,076 Contractual maturities for mortgage-backed securities are not included above, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties. Certain securities available-for-sale are pledged or encumbered to secure borrowings under pledge agreements and repurchase agreements and for other purposes required by law. At September 30, 2024 and December 31, 2023, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $476.5 million and $272.9 million, respectively. For the three months ended September 30, 2024, the Company had no proceeds on sales of debt securities available-for-sale, with no gross realized gains and gross realized losses of $7,000 related to calls of securities. For the nine months ended September 30, 2024, the Company had no proceeds on sales of debt securities available-for-sale, with gross realized losses of $7,000 and gross realized gains of $1,000 related to calls of securities. For the three months ended September 30, 2023, the Company had no proceeds on 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 proceeds on sales of debt securities available-for-sale, with gross realized gains of $22,000 and gross realized losses of $39,000 related to calls of securities. The Company recognized net gains of $710,000 and $1.6 million on its trading securities portfolio during the three and nine months ended September 30, 2024, respectively. During the three and nine months ended September 30, 2023, the Company recognized net losses of $295,000 and net gains of $723,000, 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, 2024 and December 31, 2023, were as follows (in thousands): September 30, 2024 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 $ — $ — $ (833) $ 74,901 $ (833) $ 74,901 Mortgage-backed securities: Pass-through certificates: GSE — — (18,194) 277,443 (18,194) 277,443 REMICs: GSE — — (7,075) 178,488 (7,075) 178,488 Other debt securities: Corporate bonds — 3,308 (1,164) 32,603 (1,164) 35,911 Total $ — $ 3,308 $ (27,266) $ 563,435 $ (27,266) $ 566,743 December 31, 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 $ — $ — $ (1,990) $ 73,908 $ (1,990) $ 73,908 Mortgage-backed securities: Pass-through certificates: GSE — 17 (28,285) 337,438 (28,285) 337,455 REMICs: GSE — — (11,831) 213,100 (11,831) 213,100 Other debt securities: Municipal bonds (2) 763 — — (2) 763 Corporate bonds (7) 9,966 (2,966) 96,978 (2,973) 106,944 Total $ (9) $ 10,746 $ (45,072) $ 721,424 $ (45,081) $ 732,170 The Company held 110 pass-through mortgage-backed securities issued or guaranteed by GSEs, 71 REMIC mortgage-backed securities issued or guaranteed by GSEs, five 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, 2024. There was one corporate bond, no pass-through mortgage-backed securities issued or guaranteed by GSEs, and no REMIC mortgage-backed securities issued or guaranteed by GSEs that were in an unrealized loss position of less than twelve months at September 30, 2024. Substantially all securities referred to above were rated investment grade at September 30, 2024. 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 record any allowance for credit losses on its available-for-sale debt securities as of September 30, 2024 or December 31, 2023. 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 $3.4 million and $2.4 million at September 30, 2024 and December 31, 2023, respectively, and was reported in accrued interest receivable on the consolidated balance sheets Equity securities totaled $10.7 million and $10.6 million at September 30, 2024 and December 31, 2023, respectively. Equity securities consisted of money market mutual funds, recorded at fair value of $699,000 and $330,000 at September 30, 2024 and December 31, 2023, respectively, and an investment in a private SBA loan fund (the “SBA Loan Fund”) recorded at net asset value of $10.0 million and $10.3 million at September 30, 2024 and December 31, 2023, respectively. As the SBA Loan Fund operates as a private fund, its shares are not publicly traded and, therefore, has no readily determinable market value. The SBA Loan Fund was recorded at net asset value as a practical expedient for reporting fair value.

Debt Securities Held-to-Maturit

Debt Securities Held-to-Maturity	9 Months Ended
	Sep. 30, 2024
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, 2024 and December 31, 2023 (in thousands): September 30, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 9,681 $ 143 $ (305) $ 9,519 Total securities held-to-maturity $ 9,681 $ 143 $ (305) $ 9,519 December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 9,866 $ 107 $ (387) $ 9,586 Total securities held-to-maturity $ 9,866 $ 107 $ (387) $ 9,586 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, 2024 or September 30, 2023. At both September 30, 2024 and December 31, 2023, debt securities held-to-maturity with a carrying value of $9.5 million and $9.7 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, 2024 and December 31, 2023 were as follows (in thousands): September 30, 2024 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 $ — $ — $ (305) $ 6,592 $ (305) $ 6,592 Total $ — $ — $ (305) $ 6,592 $ (305) $ 6,592 December 31, 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 $ — $ — $ (387) $ 6,661 $ (387) $ 6,661 Total $ — $ — $ (387) $ 6,661 $ (387) $ 6,661 The Company held nine 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, 2024. 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 $35,000 and $36,000 at September 30, 2024 and December 31, 2023, respectively, was reported in accrued interest receivable on the consolidated balance sheets

Equity Securities

Equity Securities	9 Months Ended
	Sep. 30, 2024
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, 2024 and December 31, 2023 (in thousands): September 30, 2024 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities 75,734 — (833) 74,901 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 295,840 3 (18,194) 277,649 Real estate mortgage investment conduits ("REMICs"): GSE 597,142 1,694 (7,075) 591,761 Total mortgage-backed securities 892,982 1,697 (25,269) 869,410 Other debt securities: Municipal bonds 684 — — 684 Corporate bonds 119,574 81 (1,164) 118,491 120,258 81 (1,164) 119,175 Total debt securities available-for-sale $ 1,088,974 $ 1,778 $ (27,266) $ 1,063,486 December 31, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Treasuries $ 44,364 $ 15 $ — $ 44,379 U.S. Government agency securities 75,898 — (1,990) 73,908 Mortgage-backed securities: Pass-through certificates: GSE 365,823 2 (28,285) 337,540 REMICs: GSE 224,931 — (11,831) 213,100 Total mortgage-backed securities 590,754 2 (40,116) 550,640 Other debt securities: Municipal bonds 765 — (2) 763 Corporate bonds 128,704 43 (2,973) 125,774 129,469 43 (2,975) 126,537 Total debt securities available-for-sale $ 840,485 $ 60 $ (45,081) $ 795,464 The following is a summary of the expected maturity distribution of debt securities available-for-sale, other than mortgage-backed securities, at September 30, 2024 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 94,396 $ 93,588 Due after one year through five years 93,596 92,919 Due after five years through ten years 8,000 7,569 $ 195,992 $ 194,076 Contractual maturities for mortgage-backed securities are not included above, as expected maturities on mortgage-backed securities may differ from contractual maturities as borrowers may have the right to call or prepay obligations with or without penalties. Certain securities available-for-sale are pledged or encumbered to secure borrowings under pledge agreements and repurchase agreements and for other purposes required by law. At September 30, 2024 and December 31, 2023, the fair value of debt securities available-for-sale that were pledged to secure borrowings and deposits was $476.5 million and $272.9 million, respectively. For the three months ended September 30, 2024, the Company had no proceeds on sales of debt securities available-for-sale, with no gross realized gains and gross realized losses of $7,000 related to calls of securities. For the nine months ended September 30, 2024, the Company had no proceeds on sales of debt securities available-for-sale, with gross realized losses of $7,000 and gross realized gains of $1,000 related to calls of securities. For the three months ended September 30, 2023, the Company had no proceeds on 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 proceeds on sales of debt securities available-for-sale, with gross realized gains of $22,000 and gross realized losses of $39,000 related to calls of securities. The Company recognized net gains of $710,000 and $1.6 million on its trading securities portfolio during the three and nine months ended September 30, 2024, respectively. During the three and nine months ended September 30, 2023, the Company recognized net losses of $295,000 and net gains of $723,000, 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, 2024 and December 31, 2023, were as follows (in thousands): September 30, 2024 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 $ — $ — $ (833) $ 74,901 $ (833) $ 74,901 Mortgage-backed securities: Pass-through certificates: GSE — — (18,194) 277,443 (18,194) 277,443 REMICs: GSE — — (7,075) 178,488 (7,075) 178,488 Other debt securities: Corporate bonds — 3,308 (1,164) 32,603 (1,164) 35,911 Total $ — $ 3,308 $ (27,266) $ 563,435 $ (27,266) $ 566,743 December 31, 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 $ — $ — $ (1,990) $ 73,908 $ (1,990) $ 73,908 Mortgage-backed securities: Pass-through certificates: GSE — 17 (28,285) 337,438 (28,285) 337,455 REMICs: GSE — — (11,831) 213,100 (11,831) 213,100 Other debt securities: Municipal bonds (2) 763 — — (2) 763 Corporate bonds (7) 9,966 (2,966) 96,978 (2,973) 106,944 Total $ (9) $ 10,746 $ (45,072) $ 721,424 $ (45,081) $ 732,170 The Company held 110 pass-through mortgage-backed securities issued or guaranteed by GSEs, 71 REMIC mortgage-backed securities issued or guaranteed by GSEs, five 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, 2024. There was one corporate bond, no pass-through mortgage-backed securities issued or guaranteed by GSEs, and no REMIC mortgage-backed securities issued or guaranteed by GSEs that were in an unrealized loss position of less than twelve months at September 30, 2024. Substantially all securities referred to above were rated investment grade at September 30, 2024. 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 record any allowance for credit losses on its available-for-sale debt securities as of September 30, 2024 or December 31, 2023. 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 $3.4 million and $2.4 million at September 30, 2024 and December 31, 2023, respectively, and was reported in accrued interest receivable on the consolidated balance sheets Equity securities totaled $10.7 million and $10.6 million at September 30, 2024 and December 31, 2023, respectively. Equity securities consisted of money market mutual funds, recorded at fair value of $699,000 and $330,000 at September 30, 2024 and December 31, 2023, respectively, and an investment in a private SBA loan fund (the “SBA Loan Fund”) recorded at net asset value of $10.0 million and $10.3 million at September 30, 2024 and December 31, 2023, respectively. As the SBA Loan Fund operates as a private fund, its shares are not publicly traded and, therefore, has no readily determinable market value. The SBA Loan Fund was recorded at net asset value as a practical expedient for reporting fair value.

Loans

Loans	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Loans	Loans The following table summarizes the Company’s loans held-for-investment (in thousands): September 30, December 31, 2024 2023 Real estate loans: Multifamily $ 2,640,944 $ 2,750,996 Commercial mortgage 878,173 929,595 One-to-four family residential mortgage 149,682 160,824 Home equity and lines of credit 171,946 163,520 Construction and land 33,024 30,967 Total real estate loans 3,873,769 4,035,902 Commercial and industrial loans 174,413 155,268 Other loans 1,660 2,585 Total commercial and industrial and other loans 176,073 157,853 Loans held-for-investment (excluding purchased credit-deteriorated (“PCD”) loans) 4,049,842 4,193,755 PCD loans 9,264 9,899 Total loans held-for-investment 4,059,106 4,203,654 Allowance for credit losses (35,197) (37,535) Net loans held-for-investment $ 4,023,909 $ 4,166,119 The Company had loans held-for-sale of $4.9 million and $0 at September 30, 2024 and December 31, 2023, respectively. 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 $9.3 million at September 30, 2024, as compared to $9.9 million at December 31, 2023. The majority of the PCD loan balances were acquired as part of a Federal Deposit Insurance Corporation-assisted transaction. At September 30, 2024, PCD loans consisted of approximately 11% home equity loans, 25% commercial real estate loans, 55% commercial and industrial loans, and 9% in one-to-four family residential loans. At December 31, 2023, PCD loans consisted of approximately 7% one-to-four family residential loans, 25% commercial real estate loans, 57% commercial and industrial loans, and 11% 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, 2024 (in thousands): September 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Real Estate: Multifamily Pass $ — $ 86,528 $ 604,112 $ 633,977 $ 454,824 $ 851,003 $ 507 $ 2,630,951 Special mention — — — 1,204 — 782 — 1,986 Substandard — — — — — 8,007 — 8,007 Total multifamily — 86,528 604,112 635,181 454,824 859,792 507 2,640,944 Current period gross charge-offs — — — — — 136 — 136 Commercial mortgage Pass 32,030 87,572 196,926 150,838 61,719 322,475 1,844 853,404 Special mention — — — — 2,725 11,271 — 13,996 Substandard — — — — — 10,478 295 10,773 Total commercial 32,030 87,572 196,926 150,838 64,444 344,224 2,139 878,173 One-to-four family residential Pass 2,741 6,637 24,082 11,807 7,025 95,815 923 149,030 Substandard — — — — — 652 — 652 Total one-to-four family residential 2,741 6,637 24,082 11,807 7,025 96,467 923 149,682 Home equity and lines of credit Pass 11,556 20,859 31,717 12,658 6,746 17,898 68,857 170,291 Special mention — — 68 — — — — 68 Substandard — — 979 422 23 163 — 1,587 Total home equity and lines of credit 11,556 20,859 32,764 13,080 6,769 18,061 68,857 171,946 Construction and land Pass 1,318 8,798 2,194 625 13,585 5,854 650 33,024 Total construction and land 1,318 8,798 2,194 625 13,585 5,854 650 33,024 Total real estate loans 47,645 210,394 860,078 811,531 546,647 1,324,398 73,076 3,873,769 Commercial and industrial Pass 6,969 15,615 22,075 14,489 3,477 6,799 87,394 156,818 Special mention — 822 28 — — — — 850 Substandard — 622 1,317 13,912 748 146 — 16,745 Total commercial and industrial 6,969 17,059 23,420 28,401 4,225 6,945 87,394 174,413 Current period gross charge-offs — — 2,195 2,424 38 185 — 4,842 Other Pass — — — — — 1,611 43 1,654 Substandard — — — — — 6 — 6 Total other — — — — — 1,617 43 1,660 Total loans held-for-investment $ 54,614 $ 227,453 $ 883,498 $ 839,932 $ 550,872 $ 1,332,960 $ 160,513 $ 4,049,842 Total current-period gross charge-offs $ — $ — $ 2,195 $ 2,424 $ 38 $ 321 $ — $ 4,978 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 December 31, 2023 (in thousands): December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 88,435 $ 615,028 $ 648,328 $ 464,995 $ 248,190 $ 676,544 $ 570 $ 2,742,090 Special mention — — — — — 328 — 328 Substandard — — — — — 8,578 — 8,578 Total multifamily 88,435 615,028 648,328 464,995 248,190 685,450 570 2,750,996 Commercial mortgage Pass 89,072 211,754 147,656 66,207 86,736 299,615 1,812 902,852 Special mention — — 8,528 — — 4,369 — 12,897 Substandard — 2,838 — — — 10,708 300 13,846 Total commercial 89,072 214,592 156,184 66,207 86,736 314,692 2,112 929,595 One-to-four family residential Pass 6,747 26,198 12,039 8,321 9,064 96,569 829 159,767 Special mention — — — — — 347 — 347 Substandard — — — — — 710 — 710 Total one-to-four family residential 6,747 26,198 12,039 8,321 9,064 97,626 829 160,824 Home equity and lines of credit Pass 23,400 33,022 14,316 7,179 5,353 13,658 65,287 162,215 Special mention — — — — — 67 — 67 Substandard — 627 423 24 89 75 — 1,238 Total home equity and lines of credit 23,400 33,649 14,739 7,203 5,442 13,800 65,287 163,520 Construction and land Pass 4,877 6,091 630 10,236 1,192 7,291 650 30,967 Total construction and land 4,877 6,091 630 10,236 1,192 7,291 650 30,967 Total real estate loans 212,531 895,558 831,920 556,962 350,624 1,118,859 69,448 4,035,902 Commercial and industrial Pass 17,197 26,075 17,485 2,727 2,602 7,296 65,603 138,985 Special mention — 542 361 39 — 56 250 1,248 Substandard — 847 13,843 132 45 168 — 15,035 Total commercial and industrial 17,197 27,464 31,689 2,898 2,647 7,520 65,853 155,268 Current period gross charge-offs 1,488 2,818 1,439 437 62 328 — 6,572 Other Pass 2,463 — — 53 — 23 39 2,578 Substandard — — — — — 7 — 7 Total other 2,463 — — 53 — 30 39 2,585 Total loans held-for-investment $ 232,191 $ 923,022 $ 863,609 $ 559,913 $ 353,271 $ 1,126,409 $ 135,340 $ 4,193,755 Total current-period gross charge-offs $ 1,488 $ 2,818 $ 1,439 $ 437 $ 62 $ 328 $ — $ 6,572 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 (excluding PCD loans). The recorded investment of these non-accrual loans was $22.9 million and $10.1 million at September 30, 2024 and December 31, 2023, 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 revised 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 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 Troubled Debt Restructurings (“TDRs”) prior to the adoption of Accounting Standards Update (“ASU”) No. 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”) on January 1, 2023, are individually evaluated. See “Loan Modifications Made to Borrowers Experiencing Financial Difficulty” section below for more information. The non-accrual amounts included in loans individually evaluated for impairment were $17.3 million and $6.0 million at September 30, 2024, and December 31, 2023, 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 $5.6 million and $4.1 million at September 30, 2024 and December 31, 2023, respectively. Loans past due 90 days or more and still accruing interest were $2.6 million and $1.3 million at September 30, 2024 and December 31, 2023, 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, 2024, and December 31, 2023, excluding PCD loans and non-accrual loans held-for sale (in thousands): September 30, 2024 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 $ 1,738 $ — $ 913 $ 2,651 $ — $ 2,651 Total multifamily 1,738 — 913 2,651 — 2,651 Commercial mortgage Substandard 740 — 3,686 4,426 1,161 5,587 Total commercial 740 — 3,686 4,426 1,161 5,587 One-to-four family residential Pass — — — — 169 169 Substandard 66 — — 66 135 201 Total one-to-four family residential 66 — — 66 304 370 Home equity and lines of credit Pass — — — — 30 30 Substandard 20 — 1,103 1,123 313 1,436 Total home equity and lines of credit 20 — 1,103 1,123 343 1,466 Total real estate 2,564 — 5,702 8,266 1,808 10,074 Commercial and industrial loans Pass — — — — 750 750 Substandard 443 260 13,914 14,617 85 14,702 Total commercial and industrial loans 443 260 13,914 14,617 835 15,452 Other loans Substandard 6 — — 6 — 6 Total other 6 — — 6 — 6 Total non-performing loans $ 3,013 $ 260 $ 19,616 $ 22,889 $ 2,643 $ 25,532 At September 30, 2024, the Company had non-accrual loans held-for-sale of $4.9 million. December 31, 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 $ 1,906 $ — $ 803 $ 2,709 $ 201 $ 2,910 Total multifamily 1,906 — 803 2,709 201 2,910 Commercial mortgage Substandard 3,245 65 3,181 6,491 — 6,491 Total commercial 3,245 65 3,181 6,491 — 6,491 One-to-four family residential Pass — — — — 267 267 Substandard 77 — 27 104 139 243 Total one-to-four family residential 77 — 27 104 406 510 Home equity and lines of credit Pass — — — — 61 61 Substandard 21 — 478 499 650 1,149 Total home equity and lines of credit 21 — 478 499 711 1,210 Total real estate 5,249 65 4,489 9,803 1,318 11,121 Commercial and industrial loans Substandard 73 40 192 305 — 305 Total commercial and industrial loans 73 40 192 305 — 305 Other loans Substandard 7 — — 7 — 7 Total other 7 — — 7 — 7 Total non-performing loans $ 5,329 $ 105 $ 4,681 $ 10,115 $ 1,318 $ 11,433 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, 2024, and December 31, 2023 (in thousands): September 30, 2024 Past Due Loans 30-89 Days Past Due 90 Days or More Past Due 90 Days or More Past Due and Accruing Total Past Due Current Total Loans Receivable, net Loans held-for-investment: Real estate loans: Multifamily Pass $ 2,260 $ — $ — $ 2,260 $ 2,628,691 $ 2,630,951 Special mention — — — — 1,986 1,986 Substandard — 913 — 913 7,094 8,007 Total multifamily 2,260 913 — 3,173 2,637,771 2,640,944 Commercial mortgage Pass 17 — — 17 853,387 853,404 Special mention 3,618 — — 3,618 10,378 13,996 Substandard 2,054 3,686 1,161 6,901 3,872 10,773 Total commercial 5,689 3,686 1,161 10,536 867,637 878,173 One-to-four family residential Pass 2,286 — 169 2,455 146,575 149,030 Substandard — — 135 135 517 652 Total one-to-four family residential 2,286 — 304 2,590 147,092 149,682 Home equity and lines of credit Pass 1,218 — 30 1,248 169,043 170,291 Special mention — — — — 68 68 Substandard 151 1,103 313 1,567 20 1,587 Total home equity and lines of credit 1,369 1,103 343 2,815 169,131 171,946 Construction and land Pass — — — — 33,024 33,024 Total construction and land — — — — 33,024 33,024 Total real estate 11,604 5,702 1,808 19,114 3,854,655 3,873,769 Commercial and industrial Pass 3,810 — 750 4,560 152,258 156,818 Special mention — — — — 850 850 Substandard 900 13,914 85 14,899 1,846 16,745 Total commercial and industrial 4,710 13,914 835 19,459 154,954 174,413 Other loans Pass 4 — — 4 1,650 1,654 Substandard — — — — 6 6 Total other loans 4 — — 4 1,656 1,660 Total loans held-for-investment $ 16,318 $ 19,616 $ 2,643 $ 38,577 $ 4,011,265 $ 4,049,842 December 31, 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 $ 740 $ — $ — $ 740 $ 2,741,350 $ 2,742,090 Special mention — — — — 328 328 Substandard — 803 201 1,004 7,574 8,578 Total multifamily 740 803 201 1,744 2,749,252 2,750,996 Commercial mortgage Pass 954 — — 954 901,898 902,852 Special mention — — — — 12,897 12,897 Substandard 121 3,181 — 3,302 10,544 13,846 Total commercial 1,075 3,181 — 4,256 925,339 929,595 One-to-four family residential Pass 3,275 — 267 3,542 156,225 159,767 Special mention 64 — — 64 283 347 Substandard — 27 139 166 544 710 Total one-to-four family residential 3,339 27 406 3,772 157,052 160,824 Home equity and lines of credit Pass 691 — 61 752 161,463 162,215 Special mention 37 — — 37 30 67 Substandard 89 478 650 1,217 21 1,238 Total home equity and lines of credit 817 478 711 2,006 161,514 163,520 Construction and land Pass — — — — 30,967 30,967 Total construction and land — — — — 30,967 30,967 Total real estate 5,971 4,489 1,318 11,778 4,024,124 4,035,902 Commercial and industrial Pass 1,726 — — 1,726 137,259 138,985 Special mention 385 — — 385 863 1,248 Substandard 696 192 — 888 14,147 15,035 Total commercial and industrial 2,807 192 — 2,999 152,269 155,268 Other loans Pass 10 — — 10 2,568 2,578 Substandard — — — — 7 7 Total other loans 10 — — 10 2,575 2,585 Total loans held-for-investment $ 8,788 $ 4,681 $ 1,318 $ 14,787 $ 4,178,968 $ 4,193,755 The following tables summarize information on non-accrual loans, excluding PCD loans, as of September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 2,651 $ 3,065 $ 1,738 Commercial mortgage 4,426 4,873 2,970 One-to-four family residential 66 66 — Home equity and lines of credit 1,123 1,372 — Commercial and industrial 14,617 22,572 23 Other 6 5 — Total non-accrual loans $ 22,889 $ 31,953 $ 4,731 December 31, 2023 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 2,709 $ 2,987 $ 1,906 Commercial mortgage 6,491 6,946 4,055 One-to-four family residential 104 104 — Home equity and lines of credit 499 749 — Commercial and industrial 305 4,405 81 Other 7 6 — Total non-accrual loans $ 10,115 $ 15,197 $ 6,042 The following table summarizes interest income recognized on non-accrual loans, excluding PCD loans, during the three and nine months ended September 30, 2024 and September 30, 2023 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Real estate loans: Multifamily $ 36 $ 41 $ 111 $ 144 Commercial mortgage 34 63 188 183 One-to-four family residential 1 1 4 6 Home equity and lines of credit 7 — 14 1 Commercial and industrial 898 48 987 77 Total interest income on non-accrual loans $ 976 $ 153 $ 1,304 $ 411 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, 2024 and December 31, 2023, the Company had $6.4 million and $7.9 million of collateral-dependent impaired loans, respectively. The collateral-dependent loans at September 30, 2024 consisted of $4.4 million of commercial real estate loans, $1.7 million of multifamily loans, and $272,000 of one-to-four family residential loans. For the nine months ended September 30, 2024, there was no significant deterioration or changes in the collateral securing these loans. Loan Modifications Made to Borrowers Experiencing Financial Difficulty The Company adopted ASU 2022-02 on January 1, 2023. Since adoption, the Company has modified, and may modify in the future, certain loans to borrowers experiencing financial difficulty. These modifications may include a reduction in interest rate, an extension in term, principal forgiveness and/or other than insignificant payment delay. The following table presents the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2024 and 2023, by class and by type of modification (dollars in thousands): Three Months Ended September 30, 2024 Payment Delay Term Extension Payment Delay and Term Extension Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial and industrial $ 445 $ — $ — $ — $ 445 0.26 % Total loans $ 445 $ — $ — $ — $ 445 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, 2024 Payment Delay Term Extension (1) Payment Delay and Term Extension Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial mortgage $ — $ — $ 386 $ 295 $ 681 0.08 % Commercial and industrial 569 12,500 — 888 13,957 8.00 % Total loans $ 569 $ 12,500 $ 386 $ 1,183 $ 14,638 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 with a carrying balance of $12.5 million at September 30, 2024, and $13.4 million at September 30, 2023, that was risk rated substandard and has received multiple 90-day extensions through July1 , 2024. The loan experienced credit deterioration and was put on non-accrual status in the third quarter of 2024. 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, 2024, and September 30, 2023 (in thousands): Modifications during the three months ended September 30, 2024, had an insignificant financial effect on the Company. Weighted-Average Term Extension (in months) Weighted-Average Interest Rate Reduction Three Months Ended September 30, 2023 Commercial and industrial 3.4 2.87 % Weighted-Average Term Extension (in months) Weighted-Average Interest Rate Reduction Nine Months Ended September 30, 2024 Commercial mortgage 60 3.00 % Commercial and industrial 7.2 3.00 % Nine Months Ended September 30, 2023 Commercial and industrial 3.5 3.75 % There were no commitments to lend additional funds at September 30, 2024 to borrowers experiencing financial difficulty whose terms have been restructured. For modified 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 modified during the preceding twelve months, there were five commercial and industrial loans with a combined balance of approximately $932,000 that subsequently defaulted and were charged-off in full. One additional commercial and industrial loan with a principal balance of $13.4 million also defaulted during the three months ended September 30, 2024, and was placed on non-accrual status. The loan had a carrying balance of approximately $12.5 million at September 30, 2024, and is currently in the collection process. The loan was individually evaluated for impairment, we charged off $878,000 and provided a specific reserve of $1.3 million. 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 table presents the aging analysis of loan modifications made to borrowers experiencing financial difficulty during the twelve months ended September 30, 2024 and since adoption of the standard for September 30, 2023 (in thousands): As of September 30, 2024 Current 30-89 Days Past Due 90 Days or More Past Due Non-Accrual Total Commercial mortgage $ — $ — $ — $ 681 $ 681 Commercial and industrial 888 479 — 12,729 14,096 Total loans $ 888 $ 479 $ — $ 13,410 $ 14,777 As of 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 (_A

Allowance for Credit Losses (“ACL”) on Loans	9 Months Ended
	Sep. 30, 2024
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 (prior to the adoption of ASU 2022-02) 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, 2024 and December 31, 2023, the ACL for loans individually evaluated for impairment was $1.3 million and $45,200, 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, 2024, and September 30, 2023 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Balance at beginning of period $ 422 $ 241 $ 236 $ 791 Provision (benefit) for credit losses 151 160 337 (390) Balance at end of period $ 573 $ 401 $ 573 $ 401 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, 2024, and September 30, 2023 (in thousands): Three Months Ended September 30, 2024 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 $ 19,306 $ 2,292 $ 2,562 $ 108 $ 7,564 $ 3 $ 31,835 $ 2,945 $ 34,780 Charge-offs — — — — (2,355) — (2,355) — (2,355) Recoveries 14 — 92 — 124 — 230 — 230 Provisions (credit) 693 (194) (357) (2) 2,424 (1) 2,563 (21) 2,542 Ending balance $ 20,013 $ 2,098 $ 2,297 $ 106 $ 7,757 $ 2 $ 32,273 $ 2,924 $ 35,197 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 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. Nine Months Ended September 30, 2024 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 $ 23,255 $ 3,285 $ 1,705 $ 149 $ 6,050 $ 6 $ 34,450 $ 3,085 $ 37,535 Charge-offs (136) — — — (4,842) — (4,978) — (4,978) Recoveries 42 9 92 — 158 — 301 — 301 Provisions (credit) (3,148) (1,196) 500 (43) 6,391 (4) 2,500 (161) 2,339 Ending balance $ 20,013 $ 2,098 $ 2,297 $ 106 $ 7,757 $ 2 $ 32,273 $ 2,924 $ 35,197 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 (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 $35.2 million at September 30, 2024, compared to $37.5 million as of December 31, 2023, primarily due to a decrease in loan balances and an improvement in the economic forecast within our CECL model. The decrease was partially offset by increases in quantitative reserves in the commercial and industrial and home equity and lines of credit loan portfolios due to an increase in non-performing loans in these categories and loan balances. 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, 2024 and December 31, 2023 (in thousands): September 30, 2024 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 $ 5 $ — $ 3 $ — $ 1,268 $ — $ 1,276 $ — $ 1,276 Ending balance: collectively evaluated for impairment 20,008 2,098 2,294 106 6,489 2 30,997 — 30,997 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 2,924 2,924 Loans, net: Ending balance $ 3,519,117 $ 149,682 $ 171,946 $ 33,024 $ 174,413 $ 1,660 $ 4,049,842 $ 9,264 $ 4,059,106 Ending balance: individually evaluated for impairment 7,036 569 21 — 12,575 — 20,201 — 20,201 Ending balance: collectively evaluated for impairment 3,512,081 149,113 171,925 33,024 161,678 1,660 4,029,481 — 4,029,481 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 9,264 9,264 PPP loans not evaluated for impairment (3) — — — — 160 — 160 — 160 December 31, 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 $ 25 $ — $ 3 $ — $ 17 $ — $ 45 $ — $ 45 Ending balance: collectively evaluated for impairment 23,230 3,285 1,702 149 6,033 6 34,405 — 34,405 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 3,085 3,085 Loans, net: Ending balance $ 3,680,591 $ 160,824 $ 163,520 $ 30,967 $ 155,268 $ 2,585 $ 4,193,755 $ 9,899 $ 4,203,654 Ending balance: individually evaluated for impairment 8,608 609 23 — 84 — 9,324 — 9,324 Ending balance: collectively evaluated for impairment 3,671,983 160,215 163,497 30,967 154,900 2,585 4,184,147 — 4,184,147 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 9,899 9,899 PPP loans not evaluated for impairment (3) — — — — 284 — 284 — 284 (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, 2024
Deposits [Abstract]
Deposits	Deposits Deposit account balances are summarized as follows (in thousands): September 30, 2024 December 31, 2023 Non-interest-bearing checking $ 681,741 $ 694,903 Negotiable orders of withdrawal (“NOW”) and interest-bearing checking 1,230,176 1,231,943 Savings and money market 1,176,867 1,277,866 Certificates of deposit 786,785 673,723 Total deposits $ 3,875,569 $ 3,878,435 Interest expense on deposit accounts is summarized for the periods indicated (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 NOW and interest-bearing checking, savings, and money market $ 12,717 $ 8,865 $ 38,231 $ 19,194 Certificates of deposit 7,587 4,749 22,010 12,724 Total interest expense on deposit accounts $ 20,304 $ 13,614 $ 60,241 $ 31,918

Subordinated Debt

Subordinated Debt	9 Months Ended
	Sep. 30, 2024
Debt Disclosure [Abstract]
Subordinated Debt	Subordinated Debt On 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. At September 30, 2024 and December 31, 2023, subordinated debt totaled $61.4 million and $61.2 million, respectively, which included $614,000 and $781,000, respe ctively, of unamortized debt issuance costs. The Company recognized amortization expense of $56,000 and $167,000 f or the three and nine months ended September 30, 2024, respectively. The Company recognized amortization expense of $56,000 and $167,000 for the three and nine months ended September 30, 2023, respectively.

Equity Incentive Plans

Equity Incentive Plans	9 Months Ended
	Sep. 30, 2024
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, 2024, 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 and Exercisable - December 31, 2023 1,544,306 $ 4.03 $ 14.05 1.01 Forfeited or expired (843,203) 3.97 13.18 — Outstanding and Exercisable - September 30, 2024 701,103 4.11 15.09 0.88 During the first and second quarters of 2024, the Company granted to directors and employees, under the 2019 Equity Incentive Plan, 196,554 restricted stock awards with a total grant date fair value of $2.6 million. Of these grants, 40,708 vest one year from the date of grant and 155,846 vest in equal installments over a three-year period beginning one year from the date of grant. The Company also issued 43,672 performance-based restricted stock units to its executive officers with a total grant date fair value of $581,000. 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 ending on January 26, 2027. At the end of the performance period, the number of actual shares to be awarded may vary between 0% and 225% of target amounts. The following is a summary of the status of the Company’s restricted stock awards and performance-based restricted stock units at September 30, 2024, and changes therein during the nine months then ended. Restricted Stock Awards Weighted Average Grant Date Fair Value Performance Stock Awards Weighted Average Grant Date Fair Value Non-vested at December 31, 2023 289,160 $ 14.40 74,923 $ 14.09 Granted 196,554 13.24 43,672 13.31 Vested (134,484) 14.49 (14,794) 12.36 Forfeited (12,714) 13.65 (10,193) 12.36 Non-vested at September 30, 2024 338,516 13.71 93,608 14.19 Expected future stock award expense related to the non-vested restricted share awards as of September 30, 2024, was $2.9 million over a weighted average period of 1.5 years. Expected future stock award expense related to the non-vested performance share awards as of September 30, 2024, was $449,000 over a weighted average period of 1.6 years. During the three months ended September 30, 2024 and September 30, 2023, the Company recorded $717,000 and $577,000, respectively, of stock-based compensation related to the above plan. During the nine months ended September 30, 2024 and September 30, 2023, the Company recorded $1.6 million and $1.8 million, respectively, of stock-based compensation related to the above plan.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2024
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, 2024, and December 31, 2023, 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 16 to the Consolidated Financial Statements of the Company’s 2023 Annual Report on Form 10-K. Fair Value Measurements at September 30, 2024 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 $ 74,901 $ — $ 74,901 $ — Mortgage-backed securities: Pass-through certificates: GSE 277,649 — 277,649 — REMICs: GSE 591,761 — 591,761 — Total mortgage-backed securities 869,410 — 869,410 — Other debt securities: Municipal bonds 684 — 684 — Corporate bonds 118,491 — 118,491 — 119,175 — 119,175 — Total debt securities available-for-sale 1,063,486 — 1,063,486 — Trading securities 13,759 13,759 — — Equity securities (1) 699 699 — — Total $ 1,077,944 $ 14,458 $ 1,063,486 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,033 $ — $ — $ 2,033 Multifamily 1,738 — — 1,738 Home equity and lines of credit 18 — — 18 Total individually evaluated real estate loans 3,789 — — 3,789 Commercial and industrial loans 11,307 — — 11,307 Total $ 15,096 $ — $ — $ 15,096 (1) Excludes investment measured at net asset value of $10.0 million at September 30, 2024, which has not been classified in the fair value hierarchy. Fair Value Measurements at December 31, 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. Treasuries $ 44,379 $ 44,379 $ — $ — U.S. Government agency securities 73,908 — 73,908 — Mortgage-backed securities: Pass-through certificates: GSE 337,540 — 337,540 — REMICs: GSE 213,100 — 213,100 — Total mortgage-backed securities 550,640 — 550,640 — Other debt securities: Municipal bonds 763 — 763 — Corporate bonds 125,774 — 125,774 — 126,537 — 126,537 — Total debt securities available-for-sale 795,464 44,379 751,085 — Trading securities 12,549 12,549 — — Equity securities (1) 330 330 — — Total $ 808,343 $ 57,258 $ 751,085 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,291 $ — $ — $ 2,291 Multifamily 1,906 — — 1,906 Home equity and lines of credit 21 — — 21 Total impaired real estate loans 4,218 — — 4,218 Commercial and industrial loans 59 — — 59 Total $ 4,277 $ — $ — $ 4,277 (1) Excludes investment measured at net asset value of $10.3 million at December 31, 2023, 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, 2024 and December 31, 2023 (dollars in thousands): Fair Value Valuation Methodology Unobservable Range of Inputs September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Individually evaluated loans $ 15,096 $ 4,277 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, 2024, and December 31, 2023. 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, 2024 or September 30, 2023. 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, 2024 and December 31, 2023, the Company had loans individually evaluated for impairment (excluding PCD loans) with outstanding principal balances of $19.0 million and $6.0 million, respectively, which were recorded at their estimated fair value of $15.1 million and $4.3 million, respectively. The Company recorded a net increase in the specific reserve for impaired loans of $1.2 million and $7,100 for the nine months ended September 30, 2024 and September 30, 2023, respectively. Net charge-offs of $4.7 million and $5.2 million were recorded for the nine months ended September 30, 2024 and September 30, 2023, 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, 2024 and December 31, 2023, 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 since this is the amount for which it could be redeemed. Due to restrictions placed on the transferability of FHLBNY stock it is not practical to determine the fair value as 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, 2024 and December 31, 2023, are presented in the following tables (in thousands): September 30, 2024 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 232,926 $ 232,926 $ — $ — $ 232,926 Trading securities 13,759 13,759 — — 13,759 Debt securities available-for-sale 1,063,486 — 1,063,486 — 1,063,486 Debt securities held-to-maturity 9,681 — 9,519 — 9,519 Equity securities (1) 699 699 — — 699 FHLBNY stock 37,269 N/A N/A N/A N/A Loans held-for-sale 4,897 — — 4,897 4,897 Net loans held-for-investment 4,023,909 — — 3,840,026 3,840,026 Derivative assets 4,271 — 4,271 — 4,271 Financial liabilities: Deposits $ 3,875,569 $ — $ 3,876,514 $ — $ 3,876,514 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 990,871 — 988,739 — 988,739 Subordinated debentures, net of issuance costs 61,386 — 45,659 — 45,659 Advance payments by borrowers for taxes and insurance 22,492 — 22,492 — 22,492 Derivative liabilities 4,273 — 4,273 — 4,273 (1) Excludes investment measured at net asset value of $10.0 million at September 30, 2024, which has not been classified in the fair value hierarchy. December 31, 2023 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 229,506 $ 229,506 $ — $ — $ 229,506 Trading securities 12,549 12,549 — — 12,549 Debt securities available-for-sale 795,464 44,379 751,085 — 795,464 Debt securities held-to-maturity 9,866 — 9,586 — 9,586 Equity securities (1) 330 330 — — 330 FHLBNY stock, at cost 39,667 N/A N/A N/A N/A Net loans held-for-investment 4,166,119 — — 3,887,033 3,887,033 Derivative assets 4,903 — 4,903 — 4,903 Financial liabilities: Deposits $ 3,878,435 $ — $ 3,879,286 $ — $ 3,879,286 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 859,272 — 844,766 — 844,766 Subordinated debentures, net of issuance costs 61,219 — 45,531 — 45,531 Advance payments by borrowers for taxes and insurance 25,102 — 25,102 — 25,102 Derivative liabilities 4,905 — 4,905 — 4,905 (1) Excludes investment measured at net asset value of $10.3 million at December 31, 2023, 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, 2024
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, 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 were added. This sum was then divided by the 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, 2024 2023 2024 2023 Net income available to common stockholders $ 6,523 $ 8,181 $ 18,694 $ 29,447 Weighted average shares outstanding-basic 41,028,213 42,866,246 41,794,149 43,848,873 Effect of non-vested restricted stock and stock, performance-based restricted stock units and options outstanding 60,424 51,928 35,081 78,477 Weighted average shares outstanding-diluted 41,088,637 42,918,174 41,829,230 43,927,350 Earnings per share-basic $ 0.16 $ 0.19 $ 0.45 $ 0.67 Earnings per share-diluted $ 0.16 $ 0.19 $ 0.45 $ 0.67 Anti-dilutive shares 706,143 1,707,261 1,496,292 1,492,290

Leases

Leases	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Leases	Leases The Company’s leases primarily relate to real estate property for branches and office space with terms extending from one month up to 30.8 years. At September 30, 2024, 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, 2024, the Company’s operating lease right-of-use assets and operating lease liabilities included on the consolidated balance sheet were $28.9 million and $33.5 million, respectively. At December 31, 2023, the Company’s operating lease right-of-use assets and operating lease liabilities included on the consolidated balance sheet were $30.2 million and $35.2 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, 2024, and September 30, 2023 is as follows (dollars in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Operating lease cost $ 1,452 $ 1,471 $ 4,382 $ 4,482 Variable lease cost 787 1,067 2,751 2,909 Net lease cost $ 2,239 $ 2,538 $ 7,133 $ 7,391 Cash paid for amounts included in measurement of operating lease liabilities $ 1,597 $ 1,632 $ 4,797 $ 4,853 Right-of-use assets obtained in exchange for new operating lease liabilities $ 795 $ 582 $ 2,227 $ 645 Weighted average remaining lease term 10.78 years 11.10 years Weighted average discount rate 3.68 % 3.59 % 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 2024 $ 1,609 2025 6,199 2026 5,440 2027 4,483 2028 4,221 Thereafter 20,011 Total lease payments 41,963 Less: imputed interest (8,434) Present value of lease liabilities $ 33,529 As of September 30, 2024, the Company had not entered into any leases that have not yet commenced.

Derivatives

Derivatives	9 Months Ended
	Sep. 30, 2024
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, 2024, the Company had twelve interest rate swaps with a notional amount of $78.9 million. At December 31, 2023, the Company had ten interest rate swaps with a notional amount of $72.7 million. The Company recorded fee income related to these swaps of $173,000 for the three and nine months ended September 30, 2024, respectively. 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. 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, 2024 December 31, 2023 Other assets $ 4,271 $ 4,903 Other liabilities 4,273 4,905

Pay vs Performance Disclosure

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Pay vs Performance Disclosure
Net income	$ 6,523	$ 8,181	$ 18,694	$ 29,447

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2024
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, 2024
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, 2024 are not necessarily indicative of the results of operations that may be expected for the year ending December 31, 2024 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.
Fair Value Measurements	The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of September 30, 2024, and December 31, 2023, 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 since this is the amount for which it could be redeemed. Due to restrictions placed on the transferability of FHLBNY stock it is not practical to determine the fair value as 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.

Debt Securities Available-for_2

Debt Securities Available-for-Sale (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule 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, 2024 and December 31, 2023 (in thousands): September 30, 2024 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Government agency securities 75,734 — (833) 74,901 Mortgage-backed securities: Pass-through certificates: Government sponsored enterprises ("GSEs") 295,840 3 (18,194) 277,649 Real estate mortgage investment conduits ("REMICs"): GSE 597,142 1,694 (7,075) 591,761 Total mortgage-backed securities 892,982 1,697 (25,269) 869,410 Other debt securities: Municipal bonds 684 — — 684 Corporate bonds 119,574 81 (1,164) 118,491 120,258 81 (1,164) 119,175 Total debt securities available-for-sale $ 1,088,974 $ 1,778 $ (27,266) $ 1,063,486 December 31, 2023 Gross Gross Estimated Amortized unrealized unrealized fair cost gains losses value U.S. Treasuries $ 44,364 $ 15 $ — $ 44,379 U.S. Government agency securities 75,898 — (1,990) 73,908 Mortgage-backed securities: Pass-through certificates: GSE 365,823 2 (28,285) 337,540 REMICs: GSE 224,931 — (11,831) 213,100 Total mortgage-backed securities 590,754 2 (40,116) 550,640 Other debt securities: Municipal bonds 765 — (2) 763 Corporate bonds 128,704 43 (2,973) 125,774 129,469 43 (2,975) 126,537 Total debt securities available-for-sale $ 840,485 $ 60 $ (45,081) $ 795,464
Schedule 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, 2024 (in thousands): Available-for-sale Amortized cost Estimated fair value Due in one year or less $ 94,396 $ 93,588 Due after one year through five years 93,596 92,919 Due after five years through ten years 8,000 7,569 $ 195,992 $ 194,076
Schedule of Gross Unrealized Losses on Mortgage-Backed Securities	Gross unrealized losses on mortgage-backed securities and other debt securities available-for-sale, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2024 and December 31, 2023, were as follows (in thousands): September 30, 2024 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 $ — $ — $ (833) $ 74,901 $ (833) $ 74,901 Mortgage-backed securities: Pass-through certificates: GSE — — (18,194) 277,443 (18,194) 277,443 REMICs: GSE — — (7,075) 178,488 (7,075) 178,488 Other debt securities: Corporate bonds — 3,308 (1,164) 32,603 (1,164) 35,911 Total $ — $ 3,308 $ (27,266) $ 563,435 $ (27,266) $ 566,743 December 31, 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 $ — $ — $ (1,990) $ 73,908 $ (1,990) $ 73,908 Mortgage-backed securities: Pass-through certificates: GSE — 17 (28,285) 337,438 (28,285) 337,455 REMICs: GSE — — (11,831) 213,100 (11,831) 213,100 Other debt securities: Municipal bonds (2) 763 — — (2) 763 Corporate bonds (7) 9,966 (2,966) 96,978 (2,973) 106,944 Total $ (9) $ 10,746 $ (45,072) $ 721,424 $ (45,081) $ 732,170 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, 2024 and December 31, 2023 were as follows (in thousands): September 30, 2024 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 $ — $ — $ (305) $ 6,592 $ (305) $ 6,592 Total $ — $ — $ (305) $ 6,592 $ (305) $ 6,592 December 31, 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 $ — $ — $ (387) $ 6,661 $ (387) $ 6,661 Total $ — $ — $ (387) $ 6,661 $ (387) $ 6,661

Debt Securities Held-to-Matur_2

Debt Securities Held-to-Maturity (Tables)	9 Months Ended
	Sep. 30, 2024
Investments, Debt and Equity Securities [Abstract]
Schedule of Mortgage Backed Securities Held-to-Maturity	The following is a summary of mortgage-backed securities held-to-maturity at September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 9,681 $ 143 $ (305) $ 9,519 Total securities held-to-maturity $ 9,681 $ 143 $ (305) $ 9,519 December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Mortgage-backed securities: Pass-through certificates: GSE $ 9,866 $ 107 $ (387) $ 9,586 Total securities held-to-maturity $ 9,866 $ 107 $ (387) $ 9,586
Schedule of Gross Unrealized Losses on Mortgage-Backed Securities	Gross unrealized losses on mortgage-backed securities and other debt securities available-for-sale, and the estimated fair value of the related securities, aggregated by security category and length of time that individual securities have been in a continuous unrealized loss position, at September 30, 2024 and December 31, 2023, were as follows (in thousands): September 30, 2024 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 $ — $ — $ (833) $ 74,901 $ (833) $ 74,901 Mortgage-backed securities: Pass-through certificates: GSE — — (18,194) 277,443 (18,194) 277,443 REMICs: GSE — — (7,075) 178,488 (7,075) 178,488 Other debt securities: Corporate bonds — 3,308 (1,164) 32,603 (1,164) 35,911 Total $ — $ 3,308 $ (27,266) $ 563,435 $ (27,266) $ 566,743 December 31, 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 $ — $ — $ (1,990) $ 73,908 $ (1,990) $ 73,908 Mortgage-backed securities: Pass-through certificates: GSE — 17 (28,285) 337,438 (28,285) 337,455 REMICs: GSE — — (11,831) 213,100 (11,831) 213,100 Other debt securities: Municipal bonds (2) 763 — — (2) 763 Corporate bonds (7) 9,966 (2,966) 96,978 (2,973) 106,944 Total $ (9) $ 10,746 $ (45,072) $ 721,424 $ (45,081) $ 732,170 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, 2024 and December 31, 2023 were as follows (in thousands): September 30, 2024 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 $ — $ — $ (305) $ 6,592 $ (305) $ 6,592 Total $ — $ — $ (305) $ 6,592 $ (305) $ 6,592 December 31, 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 $ — $ — $ (387) $ 6,661 $ (387) $ 6,661 Total $ — $ — $ (387) $ 6,661 $ (387) $ 6,661

Loans (Tables)

Loans (Tables)	9 Months Ended
	Sep. 30, 2024
Receivables [Abstract]
Schedule of Loans Held-for-Investment	The following table summarizes the Company’s loans held-for-investment (in thousands): September 30, December 31, 2024 2023 Real estate loans: Multifamily $ 2,640,944 $ 2,750,996 Commercial mortgage 878,173 929,595 One-to-four family residential mortgage 149,682 160,824 Home equity and lines of credit 171,946 163,520 Construction and land 33,024 30,967 Total real estate loans 3,873,769 4,035,902 Commercial and industrial loans 174,413 155,268 Other loans 1,660 2,585 Total commercial and industrial and other loans 176,073 157,853 Loans held-for-investment (excluding purchased credit-deteriorated (“PCD”) loans) 4,049,842 4,193,755 PCD loans 9,264 9,899 Total loans held-for-investment 4,059,106 4,203,654 Allowance for credit losses (35,197) (37,535) Net loans held-for-investment $ 4,023,909 $ 4,166,119
Schedule of Loans Held-for-Investment and Current Period Gross Charge-Offs, Excluding PCD Loans	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, 2024 (in thousands): September 30, 2024 2024 2023 2022 2021 2020 Prior Revolving Loans Total Real Estate: Multifamily Pass $ — $ 86,528 $ 604,112 $ 633,977 $ 454,824 $ 851,003 $ 507 $ 2,630,951 Special mention — — — 1,204 — 782 — 1,986 Substandard — — — — — 8,007 — 8,007 Total multifamily — 86,528 604,112 635,181 454,824 859,792 507 2,640,944 Current period gross charge-offs — — — — — 136 — 136 Commercial mortgage Pass 32,030 87,572 196,926 150,838 61,719 322,475 1,844 853,404 Special mention — — — — 2,725 11,271 — 13,996 Substandard — — — — — 10,478 295 10,773 Total commercial 32,030 87,572 196,926 150,838 64,444 344,224 2,139 878,173 One-to-four family residential Pass 2,741 6,637 24,082 11,807 7,025 95,815 923 149,030 Substandard — — — — — 652 — 652 Total one-to-four family residential 2,741 6,637 24,082 11,807 7,025 96,467 923 149,682 Home equity and lines of credit Pass 11,556 20,859 31,717 12,658 6,746 17,898 68,857 170,291 Special mention — — 68 — — — — 68 Substandard — — 979 422 23 163 — 1,587 Total home equity and lines of credit 11,556 20,859 32,764 13,080 6,769 18,061 68,857 171,946 Construction and land Pass 1,318 8,798 2,194 625 13,585 5,854 650 33,024 Total construction and land 1,318 8,798 2,194 625 13,585 5,854 650 33,024 Total real estate loans 47,645 210,394 860,078 811,531 546,647 1,324,398 73,076 3,873,769 Commercial and industrial Pass 6,969 15,615 22,075 14,489 3,477 6,799 87,394 156,818 Special mention — 822 28 — — — — 850 Substandard — 622 1,317 13,912 748 146 — 16,745 Total commercial and industrial 6,969 17,059 23,420 28,401 4,225 6,945 87,394 174,413 Current period gross charge-offs — — 2,195 2,424 38 185 — 4,842 Other Pass — — — — — 1,611 43 1,654 Substandard — — — — — 6 — 6 Total other — — — — — 1,617 43 1,660 Total loans held-for-investment $ 54,614 $ 227,453 $ 883,498 $ 839,932 $ 550,872 $ 1,332,960 $ 160,513 $ 4,049,842 Total current-period gross charge-offs $ — $ — $ 2,195 $ 2,424 $ 38 $ 321 $ — $ 4,978 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 December 31, 2023 (in thousands): December 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Real Estate: Multifamily Pass $ 88,435 $ 615,028 $ 648,328 $ 464,995 $ 248,190 $ 676,544 $ 570 $ 2,742,090 Special mention — — — — — 328 — 328 Substandard — — — — — 8,578 — 8,578 Total multifamily 88,435 615,028 648,328 464,995 248,190 685,450 570 2,750,996 Commercial mortgage Pass 89,072 211,754 147,656 66,207 86,736 299,615 1,812 902,852 Special mention — — 8,528 — — 4,369 — 12,897 Substandard — 2,838 — — — 10,708 300 13,846 Total commercial 89,072 214,592 156,184 66,207 86,736 314,692 2,112 929,595 One-to-four family residential Pass 6,747 26,198 12,039 8,321 9,064 96,569 829 159,767 Special mention — — — — — 347 — 347 Substandard — — — — — 710 — 710 Total one-to-four family residential 6,747 26,198 12,039 8,321 9,064 97,626 829 160,824 Home equity and lines of credit Pass 23,400 33,022 14,316 7,179 5,353 13,658 65,287 162,215 Special mention — — — — — 67 — 67 Substandard — 627 423 24 89 75 — 1,238 Total home equity and lines of credit 23,400 33,649 14,739 7,203 5,442 13,800 65,287 163,520 Construction and land Pass 4,877 6,091 630 10,236 1,192 7,291 650 30,967 Total construction and land 4,877 6,091 630 10,236 1,192 7,291 650 30,967 Total real estate loans 212,531 895,558 831,920 556,962 350,624 1,118,859 69,448 4,035,902 Commercial and industrial Pass 17,197 26,075 17,485 2,727 2,602 7,296 65,603 138,985 Special mention — 542 361 39 — 56 250 1,248 Substandard — 847 13,843 132 45 168 — 15,035 Total commercial and industrial 17,197 27,464 31,689 2,898 2,647 7,520 65,853 155,268 Current period gross charge-offs 1,488 2,818 1,439 437 62 328 — 6,572 Other Pass 2,463 — — 53 — 23 39 2,578 Substandard — — — — — 7 — 7 Total other 2,463 — — 53 — 30 39 2,585 Total loans held-for-investment $ 232,191 $ 923,022 $ 863,609 $ 559,913 $ 353,271 $ 1,126,409 $ 135,340 $ 4,193,755 Total current-period gross charge-offs $ 1,488 $ 2,818 $ 1,439 $ 437 $ 62 $ 328 $ — $ 6,572
Schedule of Delinquency Status, of Non-performing Loans, Net of Deferred Fees and Cost	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, 2024, and December 31, 2023, excluding PCD loans and non-accrual loans held-for sale (in thousands): September 30, 2024 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 $ 1,738 $ — $ 913 $ 2,651 $ — $ 2,651 Total multifamily 1,738 — 913 2,651 — 2,651 Commercial mortgage Substandard 740 — 3,686 4,426 1,161 5,587 Total commercial 740 — 3,686 4,426 1,161 5,587 One-to-four family residential Pass — — — — 169 169 Substandard 66 — — 66 135 201 Total one-to-four family residential 66 — — 66 304 370 Home equity and lines of credit Pass — — — — 30 30 Substandard 20 — 1,103 1,123 313 1,436 Total home equity and lines of credit 20 — 1,103 1,123 343 1,466 Total real estate 2,564 — 5,702 8,266 1,808 10,074 Commercial and industrial loans Pass — — — — 750 750 Substandard 443 260 13,914 14,617 85 14,702 Total commercial and industrial loans 443 260 13,914 14,617 835 15,452 Other loans Substandard 6 — — 6 — 6 Total other 6 — — 6 — 6 Total non-performing loans $ 3,013 $ 260 $ 19,616 $ 22,889 $ 2,643 $ 25,532 At September 30, 2024, the Company had non-accrual loans held-for-sale of $4.9 million. December 31, 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 $ 1,906 $ — $ 803 $ 2,709 $ 201 $ 2,910 Total multifamily 1,906 — 803 2,709 201 2,910 Commercial mortgage Substandard 3,245 65 3,181 6,491 — 6,491 Total commercial 3,245 65 3,181 6,491 — 6,491 One-to-four family residential Pass — — — — 267 267 Substandard 77 — 27 104 139 243 Total one-to-four family residential 77 — 27 104 406 510 Home equity and lines of credit Pass — — — — 61 61 Substandard 21 — 478 499 650 1,149 Total home equity and lines of credit 21 — 478 499 711 1,210 Total real estate 5,249 65 4,489 9,803 1,318 11,121 Commercial and industrial loans Substandard 73 40 192 305 — 305 Total commercial and industrial loans 73 40 192 305 — 305 Other loans Substandard 7 — — 7 — 7 Total other 7 — — 7 — 7 Total non-performing loans $ 5,329 $ 105 $ 4,681 $ 10,115 $ 1,318 $ 11,433
Schedule of Delinquency Status of Loans Held-for-investment, Excluding PCD Loans, Net of Deferred Fees and Costs	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, 2024, and December 31, 2023 (in thousands): September 30, 2024 Past Due Loans 30-89 Days Past Due 90 Days or More Past Due 90 Days or More Past Due and Accruing Total Past Due Current Total Loans Receivable, net Loans held-for-investment: Real estate loans: Multifamily Pass $ 2,260 $ — $ — $ 2,260 $ 2,628,691 $ 2,630,951 Special mention — — — — 1,986 1,986 Substandard — 913 — 913 7,094 8,007 Total multifamily 2,260 913 — 3,173 2,637,771 2,640,944 Commercial mortgage Pass 17 — — 17 853,387 853,404 Special mention 3,618 — — 3,618 10,378 13,996 Substandard 2,054 3,686 1,161 6,901 3,872 10,773 Total commercial 5,689 3,686 1,161 10,536 867,637 878,173 One-to-four family residential Pass 2,286 — 169 2,455 146,575 149,030 Substandard — — 135 135 517 652 Total one-to-four family residential 2,286 — 304 2,590 147,092 149,682 Home equity and lines of credit Pass 1,218 — 30 1,248 169,043 170,291 Special mention — — — — 68 68 Substandard 151 1,103 313 1,567 20 1,587 Total home equity and lines of credit 1,369 1,103 343 2,815 169,131 171,946 Construction and land Pass — — — — 33,024 33,024 Total construction and land — — — — 33,024 33,024 Total real estate 11,604 5,702 1,808 19,114 3,854,655 3,873,769 Commercial and industrial Pass 3,810 — 750 4,560 152,258 156,818 Special mention — — — — 850 850 Substandard 900 13,914 85 14,899 1,846 16,745 Total commercial and industrial 4,710 13,914 835 19,459 154,954 174,413 Other loans Pass 4 — — 4 1,650 1,654 Substandard — — — — 6 6 Total other loans 4 — — 4 1,656 1,660 Total loans held-for-investment $ 16,318 $ 19,616 $ 2,643 $ 38,577 $ 4,011,265 $ 4,049,842 December 31, 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 $ 740 $ — $ — $ 740 $ 2,741,350 $ 2,742,090 Special mention — — — — 328 328 Substandard — 803 201 1,004 7,574 8,578 Total multifamily 740 803 201 1,744 2,749,252 2,750,996 Commercial mortgage Pass 954 — — 954 901,898 902,852 Special mention — — — — 12,897 12,897 Substandard 121 3,181 — 3,302 10,544 13,846 Total commercial 1,075 3,181 — 4,256 925,339 929,595 One-to-four family residential Pass 3,275 — 267 3,542 156,225 159,767 Special mention 64 — — 64 283 347 Substandard — 27 139 166 544 710 Total one-to-four family residential 3,339 27 406 3,772 157,052 160,824 Home equity and lines of credit Pass 691 — 61 752 161,463 162,215 Special mention 37 — — 37 30 67 Substandard 89 478 650 1,217 21 1,238 Total home equity and lines of credit 817 478 711 2,006 161,514 163,520 Construction and land Pass — — — — 30,967 30,967 Total construction and land — — — — 30,967 30,967 Total real estate 5,971 4,489 1,318 11,778 4,024,124 4,035,902 Commercial and industrial Pass 1,726 — — 1,726 137,259 138,985 Special mention 385 — — 385 863 1,248 Substandard 696 192 — 888 14,147 15,035 Total commercial and industrial 2,807 192 — 2,999 152,269 155,268 Other loans Pass 10 — — 10 2,568 2,578 Substandard — — — — 7 7 Total other loans 10 — — 10 2,575 2,585 Total loans held-for-investment $ 8,788 $ 4,681 $ 1,318 $ 14,787 $ 4,178,968 $ 4,193,755
Schedule of Non-accrual Loans, Excluding PCD Loans	The following tables summarize information on non-accrual loans, excluding PCD loans, as of September 30, 2024 and December 31, 2023 (in thousands): September 30, 2024 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 2,651 $ 3,065 $ 1,738 Commercial mortgage 4,426 4,873 2,970 One-to-four family residential 66 66 — Home equity and lines of credit 1,123 1,372 — Commercial and industrial 14,617 22,572 23 Other 6 5 — Total non-accrual loans $ 22,889 $ 31,953 $ 4,731 December 31, 2023 Recorded Investment Unpaid Principal Balance With No Related Allowance Real estate loans: Multifamily $ 2,709 $ 2,987 $ 1,906 Commercial mortgage 6,491 6,946 4,055 One-to-four family residential 104 104 — Home equity and lines of credit 499 749 — Commercial and industrial 305 4,405 81 Other 7 6 — Total non-accrual loans $ 10,115 $ 15,197 $ 6,042 The following table summarizes interest income recognized on non-accrual loans, excluding PCD loans, during the three and nine months ended September 30, 2024 and September 30, 2023 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Real estate loans: Multifamily $ 36 $ 41 $ 111 $ 144 Commercial mortgage 34 63 188 183 One-to-four family residential 1 1 4 6 Home equity and lines of credit 7 — 14 1 Commercial and industrial 898 48 987 77 Total interest income on non-accrual loans $ 976 $ 153 $ 1,304 $ 411
Schedule of Loan Modifications	The following table presents the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty that were modified during the three and nine months ended September 30, 2024 and 2023, by class and by type of modification (dollars in thousands): Three Months Ended September 30, 2024 Payment Delay Term Extension Payment Delay and Term Extension Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial and industrial $ 445 $ — $ — $ — $ 445 0.26 % Total loans $ 445 $ — $ — $ — $ 445 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, 2024 Payment Delay Term Extension (1) Payment Delay and Term Extension Payment Delay, Term Extension, and Interest Rate Reductions Total Percentage of Total Class of Financing Receivable Commercial mortgage $ — $ — $ 386 $ 295 $ 681 0.08 % Commercial and industrial 569 12,500 — 888 13,957 8.00 % Total loans $ 569 $ 12,500 $ 386 $ 1,183 $ 14,638 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 with a carrying balance of $12.5 million at September 30, 2024, and $13.4 million at September 30, 2023, that was risk rated substandard and has received multiple 90-day extensions through July1 , 2024. The loan experienced credit deterioration and was put on non-accrual status in the third quarter of 2024. 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, 2024, and September 30, 2023 (in thousands): Modifications during the three months ended September 30, 2024, had an insignificant financial effect on the Company. Weighted-Average Term Extension (in months) Weighted-Average Interest Rate Reduction Three Months Ended September 30, 2023 Commercial and industrial 3.4 2.87 % Weighted-Average Term Extension (in months) Weighted-Average Interest Rate Reduction Nine Months Ended September 30, 2024 Commercial mortgage 60 3.00 % Commercial and industrial 7.2 3.00 % Nine Months Ended September 30, 2023 Commercial and industrial 3.5 3.75 % As of September 30, 2024 Current 30-89 Days Past Due 90 Days or More Past Due Non-Accrual Total Commercial mortgage $ — $ — $ — $ 681 $ 681 Commercial and industrial 888 479 — 12,729 14,096 Total loans $ 888 $ 479 $ — $ 13,410 $ 14,777 As of 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, 2024
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, 2024, and September 30, 2023 (in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Balance at beginning of period $ 422 $ 241 $ 236 $ 791 Provision (benefit) for credit losses 151 160 337 (390) Balance at end of period $ 573 $ 401 $ 573 $ 401
Schedule of Allowance for Loan Losses and Loans Receivable by Portfolio Segment	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, 2024, and September 30, 2023 (in thousands): Three Months Ended September 30, 2024 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 $ 19,306 $ 2,292 $ 2,562 $ 108 $ 7,564 $ 3 $ 31,835 $ 2,945 $ 34,780 Charge-offs — — — — (2,355) — (2,355) — (2,355) Recoveries 14 — 92 — 124 — 230 — 230 Provisions (credit) 693 (194) (357) (2) 2,424 (1) 2,563 (21) 2,542 Ending balance $ 20,013 $ 2,098 $ 2,297 $ 106 $ 7,757 $ 2 $ 32,273 $ 2,924 $ 35,197 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 (1) Commercial includes commercial real estate loans collateralized by owner-occupied, non-owner occupied, and multifamily properties. Nine Months Ended September 30, 2024 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 $ 23,255 $ 3,285 $ 1,705 $ 149 $ 6,050 $ 6 $ 34,450 $ 3,085 $ 37,535 Charge-offs (136) — — — (4,842) — (4,978) — (4,978) Recoveries 42 9 92 — 158 — 301 — 301 Provisions (credit) (3,148) (1,196) 500 (43) 6,391 (4) 2,500 (161) 2,339 Ending balance $ 20,013 $ 2,098 $ 2,297 $ 106 $ 7,757 $ 2 $ 32,273 $ 2,924 $ 35,197 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 (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, 2024 and December 31, 2023 (in thousands): September 30, 2024 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 $ 5 $ — $ 3 $ — $ 1,268 $ — $ 1,276 $ — $ 1,276 Ending balance: collectively evaluated for impairment 20,008 2,098 2,294 106 6,489 2 30,997 — 30,997 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 2,924 2,924 Loans, net: Ending balance $ 3,519,117 $ 149,682 $ 171,946 $ 33,024 $ 174,413 $ 1,660 $ 4,049,842 $ 9,264 $ 4,059,106 Ending balance: individually evaluated for impairment 7,036 569 21 — 12,575 — 20,201 — 20,201 Ending balance: collectively evaluated for impairment 3,512,081 149,113 171,925 33,024 161,678 1,660 4,029,481 — 4,029,481 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 9,264 9,264 PPP loans not evaluated for impairment (3) — — — — 160 — 160 — 160 December 31, 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 $ 25 $ — $ 3 $ — $ 17 $ — $ 45 $ — $ 45 Ending balance: collectively evaluated for impairment 23,230 3,285 1,702 149 6,033 6 34,405 — 34,405 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 3,085 3,085 Loans, net: Ending balance $ 3,680,591 $ 160,824 $ 163,520 $ 30,967 $ 155,268 $ 2,585 $ 4,193,755 $ 9,899 $ 4,203,654 Ending balance: individually evaluated for impairment 8,608 609 23 — 84 — 9,324 — 9,324 Ending balance: collectively evaluated for impairment 3,671,983 160,215 163,497 30,967 154,900 2,585 4,184,147 — 4,184,147 Ending balance: PCD loans evaluated for impairment (2) — — — — — — — 9,899 9,899 PPP loans not evaluated for impairment (3) — — — — 284 — 284 — 284 (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, 2024
Deposits [Abstract]
Schedule of Deposit Account Balances	Deposit account balances are summarized as follows (in thousands): September 30, 2024 December 31, 2023 Non-interest-bearing checking $ 681,741 $ 694,903 Negotiable orders of withdrawal (“NOW”) and interest-bearing checking 1,230,176 1,231,943 Savings and money market 1,176,867 1,277,866 Certificates of deposit 786,785 673,723 Total deposits $ 3,875,569 $ 3,878,435
Schedule of 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, 2024 2023 2024 2023 NOW and interest-bearing checking, savings, and money market $ 12,717 $ 8,865 $ 38,231 $ 19,194 Certificates of deposit 7,587 4,749 22,010 12,724 Total interest expense on deposit accounts $ 20,304 $ 13,614 $ 60,241 $ 31,918

Equity Incentive Plans (Tables)

Equity Incentive Plans (Tables)	9 Months Ended
	Sep. 30, 2024
Share-Based Payment Arrangement [Abstract]
Schedule of Stock Options Outstanding	The following table is a summary of the Company’s stock options outstanding as of September 30, 2024, 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 and Exercisable - December 31, 2023 1,544,306 $ 4.03 $ 14.05 1.01 Forfeited or expired (843,203) 3.97 13.18 — Outstanding and Exercisable - September 30, 2024 701,103 4.11 15.09 0.88
Schedule of Status of the Company's Restricted Share Awards and Performance-based Restricted Stock Units	The following is a summary of the status of the Company’s restricted stock awards and performance-based restricted stock units at September 30, 2024, and changes therein during the nine months then ended. Restricted Stock Awards Weighted Average Grant Date Fair Value Performance Stock Awards Weighted Average Grant Date Fair Value Non-vested at December 31, 2023 289,160 $ 14.40 74,923 $ 14.09 Granted 196,554 13.24 43,672 13.31 Vested (134,484) 14.49 (14,794) 12.36 Forfeited (12,714) 13.65 (10,193) 12.36 Non-vested at September 30, 2024 338,516 13.71 93,608 14.19

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2024
Fair Value Disclosures [Abstract]
Schedule of Significant Fair Value of Assets and Liabilities Measured on Recurring and Non-Recurring Basis	The following tables present the assets reported on the consolidated balance sheets at their estimated fair value as of September 30, 2024, and December 31, 2023, 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 16 to the Consolidated Financial Statements of the Company’s 2023 Annual Report on Form 10-K. Fair Value Measurements at September 30, 2024 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 $ 74,901 $ — $ 74,901 $ — Mortgage-backed securities: Pass-through certificates: GSE 277,649 — 277,649 — REMICs: GSE 591,761 — 591,761 — Total mortgage-backed securities 869,410 — 869,410 — Other debt securities: Municipal bonds 684 — 684 — Corporate bonds 118,491 — 118,491 — 119,175 — 119,175 — Total debt securities available-for-sale 1,063,486 — 1,063,486 — Trading securities 13,759 13,759 — — Equity securities (1) 699 699 — — Total $ 1,077,944 $ 14,458 $ 1,063,486 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,033 $ — $ — $ 2,033 Multifamily 1,738 — — 1,738 Home equity and lines of credit 18 — — 18 Total individually evaluated real estate loans 3,789 — — 3,789 Commercial and industrial loans 11,307 — — 11,307 Total $ 15,096 $ — $ — $ 15,096 (1) Excludes investment measured at net asset value of $10.0 million at September 30, 2024, which has not been classified in the fair value hierarchy. Fair Value Measurements at December 31, 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. Treasuries $ 44,379 $ 44,379 $ — $ — U.S. Government agency securities 73,908 — 73,908 — Mortgage-backed securities: Pass-through certificates: GSE 337,540 — 337,540 — REMICs: GSE 213,100 — 213,100 — Total mortgage-backed securities 550,640 — 550,640 — Other debt securities: Municipal bonds 763 — 763 — Corporate bonds 125,774 — 125,774 — 126,537 — 126,537 — Total debt securities available-for-sale 795,464 44,379 751,085 — Trading securities 12,549 12,549 — — Equity securities (1) 330 330 — — Total $ 808,343 $ 57,258 $ 751,085 $ — Measured on a non-recurring basis: Assets: Loans individually evaluated for impairment: Real estate loans: Commercial real estate $ 2,291 $ — $ — $ 2,291 Multifamily 1,906 — — 1,906 Home equity and lines of credit 21 — — 21 Total impaired real estate loans 4,218 — — 4,218 Commercial and industrial loans 59 — — 59 Total $ 4,277 $ — $ — $ 4,277 (1) Excludes investment measured at net asset value of $10.3 million at December 31, 2023, which has not been classified in the fair value hierarchy.
Schedule of 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, 2024 and December 31, 2023 (dollars in thousands): Fair Value Valuation Methodology Unobservable Range of Inputs September 30, 2024 December 31, 2023 September 30, 2024 December 31, 2023 Individually evaluated loans $ 15,096 $ 4,277 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%
Schedule of Estimated Fair Values of Significant Financial Instruments	The estimated fair values of the Company’s significant financial instruments at September 30, 2024 and December 31, 2023, are presented in the following tables (in thousands): September 30, 2024 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 232,926 $ 232,926 $ — $ — $ 232,926 Trading securities 13,759 13,759 — — 13,759 Debt securities available-for-sale 1,063,486 — 1,063,486 — 1,063,486 Debt securities held-to-maturity 9,681 — 9,519 — 9,519 Equity securities (1) 699 699 — — 699 FHLBNY stock 37,269 N/A N/A N/A N/A Loans held-for-sale 4,897 — — 4,897 4,897 Net loans held-for-investment 4,023,909 — — 3,840,026 3,840,026 Derivative assets 4,271 — 4,271 — 4,271 Financial liabilities: Deposits $ 3,875,569 $ — $ 3,876,514 $ — $ 3,876,514 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 990,871 — 988,739 — 988,739 Subordinated debentures, net of issuance costs 61,386 — 45,659 — 45,659 Advance payments by borrowers for taxes and insurance 22,492 — 22,492 — 22,492 Derivative liabilities 4,273 — 4,273 — 4,273 (1) Excludes investment measured at net asset value of $10.0 million at September 30, 2024, which has not been classified in the fair value hierarchy. December 31, 2023 Estimated Fair Value Carrying Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 229,506 $ 229,506 $ — $ — $ 229,506 Trading securities 12,549 12,549 — — 12,549 Debt securities available-for-sale 795,464 44,379 751,085 — 795,464 Debt securities held-to-maturity 9,866 — 9,586 — 9,586 Equity securities (1) 330 330 — — 330 FHLBNY stock, at cost 39,667 N/A N/A N/A N/A Net loans held-for-investment 4,166,119 — — 3,887,033 3,887,033 Derivative assets 4,903 — 4,903 — 4,903 Financial liabilities: Deposits $ 3,878,435 $ — $ 3,879,286 $ — $ 3,879,286 FHLB advances and other borrowings (including securities sold under agreements to repurchase) 859,272 — 844,766 — 844,766 Subordinated debentures, net of issuance costs 61,219 — 45,531 — 45,531 Advance payments by borrowers for taxes and insurance 25,102 — 25,102 — 25,102 Derivative liabilities 4,905 — 4,905 — 4,905 (1) Excludes investment measured at net asset value of $10.3 million at December 31, 2023, which has not been classified in the fair value hierarchy.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2024
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, 2024 2023 2024 2023 Net income available to common stockholders $ 6,523 $ 8,181 $ 18,694 $ 29,447 Weighted average shares outstanding-basic 41,028,213 42,866,246 41,794,149 43,848,873 Effect of non-vested restricted stock and stock, performance-based restricted stock units and options outstanding 60,424 51,928 35,081 78,477 Weighted average shares outstanding-diluted 41,088,637 42,918,174 41,829,230 43,927,350 Earnings per share-basic $ 0.16 $ 0.19 $ 0.45 $ 0.67 Earnings per share-diluted $ 0.16 $ 0.19 $ 0.45 $ 0.67 Anti-dilutive shares 706,143 1,707,261 1,496,292 1,492,290

Leases (Tables)

Leases (Tables)	9 Months Ended
	Sep. 30, 2024
Leases [Abstract]
Schedule of Supplemental Lease Information	Supplemental lease information at or for the three and nine months ended September 30, 2024, and September 30, 2023 is as follows (dollars in thousands): Three Months Ended September 30, Nine Months Ended September 30, 2024 2023 2024 2023 Operating lease cost $ 1,452 $ 1,471 $ 4,382 $ 4,482 Variable lease cost 787 1,067 2,751 2,909 Net lease cost $ 2,239 $ 2,538 $ 7,133 $ 7,391 Cash paid for amounts included in measurement of operating lease liabilities $ 1,597 $ 1,632 $ 4,797 $ 4,853 Right-of-use assets obtained in exchange for new operating lease liabilities $ 795 $ 582 $ 2,227 $ 645 Weighted average remaining lease term 10.78 years 11.10 years Weighted average discount rate 3.68 % 3.59 %
Schedule of Lease Payment Obligations	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 2024 $ 1,609 2025 6,199 2026 5,440 2027 4,483 2028 4,221 Thereafter 20,011 Total lease payments 41,963 Less: imputed interest (8,434) Present value of lease liabilities $ 33,529

Derivatives (Tables)

Derivatives (Tables)	9 Months Ended
	Sep. 30, 2024
Derivative Instruments and Hedging Activities Disclosure [Abstract]
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, 2024 December 31, 2023 Other assets $ 4,271 $ 4,903 Other liabilities 4,273 4,905
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, 2024 December 31, 2023 Other assets $ 4,271 $ 4,903 Other liabilities 4,273 4,905

Debt Securities Available-for_3

Debt Securities Available-for-Sale - Mortgage-Backed Securities and Other Securities Available-for-Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Amortized cost	$ 1,088,974	$ 840,485
Gross unrealized gains	1,778	60
Gross unrealized losses	(27,266)	(45,081)
Estimated fair value	1,063,486	795,464
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Amortized cost		44,364
Gross unrealized gains		15
Gross unrealized losses		0
Estimated fair value		44,379
U.S. Government agency securities
Debt Securities, Available-for-sale [Line Items]
Amortized cost	75,734	75,898
Gross unrealized gains	0	0
Gross unrealized losses	(833)	(1,990)
Estimated fair value	74,901	73,908
Pass-through certificates, GSE
Debt Securities, Available-for-sale [Line Items]
Amortized cost	295,840	365,823
Gross unrealized gains	3	2
Gross unrealized losses	(18,194)	(28,285)
Estimated fair value	277,649	337,540
GSE
Debt Securities, Available-for-sale [Line Items]
Amortized cost	597,142	224,931
Gross unrealized gains	1,694	0
Gross unrealized losses	(7,075)	(11,831)
Estimated fair value	591,761	213,100
Real estate mortgage investment conduits (REMICs)
Debt Securities, Available-for-sale [Line Items]
Amortized cost	892,982	590,754
Gross unrealized gains	1,697	2
Gross unrealized losses	(25,269)	(40,116)
Estimated fair value	869,410	550,640
Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Amortized cost	684	765
Gross unrealized gains	0	0
Gross unrealized losses	0	(2)
Estimated fair value	684	763
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Amortized cost	119,574	128,704
Gross unrealized gains	81	43
Gross unrealized losses	(1,164)	(2,973)
Estimated fair value	118,491	125,774
Other debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized cost	120,258	129,469
Gross unrealized gains	81	43
Gross unrealized losses	(1,164)	(2,975)
Estimated fair value	$ 119,175	$ 126,537

Debt Securities Available-for_4

Debt Securities Available-for-Sale - Expected Maturity Distribution of Debt Securities Available-for-Sale, Other than Mortgage-Backed Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized cost
Amortized cost	$ 1,088,974	$ 840,485
Estimated fair value
Estimated fair value	1,063,486	$ 795,464
Other Than Mortgage Backed Securities
Amortized cost
Due in one year or less	94,396
Due after one year through five years	93,596
Due after five years through ten years	8,000
Amortized cost	195,992
Estimated fair value
Due in one year or less	93,588
Due after one year through five years	92,919
Due after five years through ten years	7,569
Estimated fair value	$ 194,076

Debt Securities Available-for_5

Debt Securities Available-for-Sale - Narrative (Details)	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($) security loan	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) security loan	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Debt Securities, Available-for-sale [Line Items]
Debt securities, available-for-sale, restricted	$ 476,500,000		$ 476,500,000		$ 272,900,000
Proceeds from sale of debt securities available-for-sale	0	$ 0	0	$ 0
Debt securities, available-for-sale, realized gain	0		1,000	22,000
Debt securities, available-for-sale, realized loss	7,000		7,000	39,000
Debt securities, available-for-sale, realized gain (loss)		0
Debt securities, trading, realized gain (loss)	710,000	$ (295,000)	1,600,000	$ 723,000
Debt securities available-for-sale, allowance for credit loss	0		0		0
Accrued interest receivable associated with debt securities available-for-sale	$ 3,400,000		$ 3,400,000		$ 2,400,000
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable		Accrued interest receivable		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
Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | loan	5		5
Number of debt securities, unrealized loss position less than 12 months | loan	1		1
Pass Through | GSE
Debt Securities, Available-for-sale [Line Items]
Number of debt securities | security	110		110
Number of debt securities, unrealized loss position less than 12 months | security	0		0
Non Pass Through | Real estate mortgage investment conduits (REMICs)
Debt Securities, Available-for-sale [Line Items]
Number of debt securities, unrealized loss position longer than 12 months | loan	71		71
Number of debt securities, unrealized loss position less than 12 months | loan	0		0

Debt Securities Available-for_6

Debt Securities Available-for-Sale - Gross Unrealized Losses on Mortgage-Backed Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	$ 0	$ (9)
Estimated fair value, less than 12 months	3,308	10,746
Unrealized losses, 12 months or more	(27,266)	(45,072)
Estimated fair value, 12 months or more	563,435	721,424
Unrealized losses, total	(27,266)	(45,081)
Estimated fair value, total	566,743	732,170
U.S. Government agency securities
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	0
Estimated fair value, less than 12 months	0	0
Unrealized losses, 12 months or more	(833)	(1,990)
Estimated fair value, 12 months or more	74,901	73,908
Unrealized losses, total	(833)	(1,990)
Estimated fair value, total	74,901	73,908
Pass-through Certificates | GSE
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	0
Estimated fair value, less than 12 months	0	17
Unrealized losses, 12 months or more	(18,194)	(28,285)
Estimated fair value, 12 months or more	277,443	337,438
Unrealized losses, total	(18,194)	(28,285)
Estimated fair value, total	277,443	337,455
Real estate mortgage investment conduits (REMICs) | GSE
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	0
Estimated fair value, less than 12 months	0	0
Unrealized losses, 12 months or more	(7,075)	(11,831)
Estimated fair value, 12 months or more	178,488	213,100
Unrealized losses, total	(7,075)	(11,831)
Estimated fair value, total	178,488	213,100
Other debt securities | Municipal bonds
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months		(2)
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		(2)
Estimated fair value, total		763
Other debt securities | Corporate bonds
Debt Securities, Available-for-sale [Line Items]
Unrealized losses, less than 12 months	0	(7)
Estimated fair value, less than 12 months	3,308	9,966
Unrealized losses, 12 months or more	(1,164)	(2,966)
Estimated fair value, 12 months or more	32,603	96,978
Unrealized losses, total	(1,164)	(2,973)
Estimated fair value, total	$ 35,911	$ 106,944

Debt Securities Held-to-Matur_3

Debt Securities Held-to-Maturity - Mortgage Backed Securities Held-to-Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 9,681	$ 9,866
Gross Unrealized Gains	143	107
Gross Unrealized Losses	(305)	(387)
Estimated Fair Value	9,519	9,586
Pass-through certificates, GSE
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	9,681	9,866
Gross Unrealized Gains	143	107
Gross Unrealized Losses	(305)	(387)
Estimated Fair Value	$ 9,519	$ 9,586

Debt Securities Held-to-Matur_4

Debt Securities Held-to-Maturity - Narrative (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2024 USD ($) security	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Investments, Debt and Equity Securities [Abstract]
Held-to-maturity securities sold	$ 0	$ 0
Held-to-maturity securities pledged to secure borrowings and deposits	$ 9,500		$ 9,700
Held-to-maturity securities unrealized loss position greater than twelve months | security	9
Accrued interest receivable associated with held-to-maturity securities	$ 35		$ 36
Debt Securities, Held-to-Maturity, Accrued Interest, after Allowance for Credit Loss, Statement of Financial Position [Extensible Enumeration]	Accrued interest receivable		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, 2024	Dec. 31, 2023
Unrealized losses
Less than 12 months	$ 0	$ 0
12 months or more	(305)	(387)
Total	(305)	(387)
Estimated fair value
Less than 12 months	0	0
12 months or more	6,592	6,661
Total	6,592	6,661
Pass-through certificates, GSE
Unrealized losses
Less than 12 months	0	0
12 months or more	(305)	(387)
Total	(305)	(387)
Estimated fair value
Less than 12 months	0	0
12 months or more	6,592	6,661
Total	$ 6,592	$ 6,661

Equity Securities (Details)

Equity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Debt and Equity Securities, FV-NI [Line Items]
Equity securities	$ 10,699	$ 10,629
Money Market Funds
Debt and Equity Securities, FV-NI [Line Items]
Equity securities, fair value	699	330
Small Business Administration Loan Fund
Debt and Equity Securities, FV-NI [Line Items]
Equity securities not been classified in the fair value	$ 10,000	$ 10,300

Loans - Net Loans Held-for-Inve

Loans - Net Loans Held-for-Investment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment	$ 4,059,106		$ 4,203,654
Allowance for credit losses	(35,197)	$ (34,780)	(37,535)	$ (38,480)	$ (41,154)	$ (42,617)
Net loans held-for-investment	4,023,909		4,166,119
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment	4,049,842		4,193,755
Allowance for credit losses	(32,273)	(31,835)	(34,450)	(35,372)	(37,428)	(38,734)
PCD loans
Loans and Leases Receivable Disclosure [Line Items]
Total loans held-for-investment	9,264		9,899
Allowance for credit losses	(2,924)	(2,945)	(3,085)	(3,108)	(3,726)	(3,883)
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	3,873,769		4,035,902
Total loans held-for-investment	3,873,769		4,035,902
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Multifamily
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	2,640,944		2,750,996
Total loans held-for-investment	2,640,944		2,750,996
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial mortgage
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	878,173		929,595
Total loans held-for-investment	878,173		929,595
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]
Total commercial and industrial and other loans	149,682		160,824
Total loans held-for-investment	149,682		160,824
Allowance for credit losses	(2,098)	(2,292)	(3,285)	(3,571)	(3,814)	(3,936)
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]
Total commercial and industrial and other loans	171,946		163,520
Total loans held-for-investment	171,946		163,520
Allowance for credit losses	(2,297)	(2,562)	(1,705)	(1,355)	(1,278)	(866)
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Construction and land
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	33,024		30,967
Total loans held-for-investment	33,024		30,967
Allowance for credit losses	(106)	(108)	(149)	(299)	(301)	(324)
Commercial and industrial and other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	176,073		157,853
Commercial and industrial loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	174,413		155,268
Total loans held-for-investment	174,413		155,268
Allowance for credit losses	(7,757)	(7,564)	(6,050)	(5,802)	(7,295)	(4,114)
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Loans and Leases Receivable Disclosure [Line Items]
Total commercial and industrial and other loans	1,660		2,585
Total loans held-for-investment	1,660		2,585
Allowance for credit losses	$ (2)	$ (3)	$ (6)	$ (7)	$ (7)	$ (9)

Loans - Narrative, Loans Held-f

Loans - Narrative, Loans Held-for-Investment (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans held-for-sale	$ 4,897	$ 0
PCD loans	$ 4,059,106	$ 4,203,654
Home equity loan
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCD loans	11%	11%
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCD loans	25%	25%
Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCD loans	55%	57%
One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of PCD loans	9%	7%
PCD loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
PCD loans	$ 9,264	$ 9,899

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		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Total	$ 4,059,106		$ 4,059,106		$ 4,203,654
Current period gross charge-offs
Total	2,355	$ 2,904	4,978	$ 5,323
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	54,614		54,614		232,191
Year Two	227,453		227,453		923,022
Year Three	883,498		883,498		863,609
Year Four	839,932		839,932		559,913
Year Five	550,872		550,872		353,271
Prior	1,332,960		1,332,960		1,126,409
Revolving Loans	160,513		160,513		135,340
Total	4,049,842		4,049,842		4,193,755
Current period gross charge-offs
Current Fiscal Year			0		1,488
Year Two			0		2,818
Year Three			2,195		1,439
Year Four			2,424		437
Year Five			38		62
Prior			321		328
Revolving Loans			0		0
Total	2,355	2,904	4,978	5,315	6,572
Real estate loans: | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	47,645		47,645		212,531
Year Two	210,394		210,394		895,558
Year Three	860,078		860,078		831,920
Year Four	811,531		811,531		556,962
Year Five	546,647		546,647		350,624
Prior	1,324,398		1,324,398		1,118,859
Revolving Loans	73,076		73,076		69,448
Total	3,873,769		3,873,769		4,035,902
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	0		0		88,435
Year Two	86,528		86,528		615,028
Year Three	604,112		604,112		648,328
Year Four	635,181		635,181		464,995
Year Five	454,824		454,824		248,190
Prior	859,792		859,792		685,450
Revolving Loans	507		507		570
Total	2,640,944		2,640,944		2,750,996
Current period gross charge-offs
Current Fiscal Year			0
Year Two			0
Year Three			0
Year Four			0
Year Five			0
Prior			136
Revolving Loans			0
Total			136
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	0		0		88,435
Year Two	86,528		86,528		615,028
Year Three	604,112		604,112		648,328
Year Four	633,977		633,977		464,995
Year Five	454,824		454,824		248,190
Prior	851,003		851,003		676,544
Revolving Loans	507		507		570
Total	2,630,951		2,630,951		2,742,090
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		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	1,204		1,204		0
Year Five	0		0		0
Prior	782		782		328
Revolving Loans	0		0		0
Total	1,986		1,986		328
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		0
Prior	8,007		8,007		8,578
Revolving Loans	0		0		0
Total	8,007		8,007		8,578
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	32,030		32,030		89,072
Year Two	87,572		87,572		214,592
Year Three	196,926		196,926		156,184
Year Four	150,838		150,838		66,207
Year Five	64,444		64,444		86,736
Prior	344,224		344,224		314,692
Revolving Loans	2,139		2,139		2,112
Total	878,173		878,173		929,595
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	32,030		32,030		89,072
Year Two	87,572		87,572		211,754
Year Three	196,926		196,926		147,656
Year Four	150,838		150,838		66,207
Year Five	61,719		61,719		86,736
Prior	322,475		322,475		299,615
Revolving Loans	1,844		1,844		1,812
Total	853,404		853,404		902,852
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		8,528
Year Four	0		0		0
Year Five	2,725		2,725		0
Prior	11,271		11,271		4,369
Revolving Loans	0		0		0
Total	13,996		13,996		12,897
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		0
Year Two	0		0		2,838
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	10,478		10,478		10,708
Revolving Loans	295		295		300
Total	10,773		10,773		13,846
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	2,741		2,741		6,747
Year Two	6,637		6,637		26,198
Year Three	24,082		24,082		12,039
Year Four	11,807		11,807		8,321
Year Five	7,025		7,025		9,064
Prior	96,467		96,467		97,626
Revolving Loans	923		923		829
Total	149,682		149,682		160,824
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	2,741		2,741		6,747
Year Two	6,637		6,637		26,198
Year Three	24,082		24,082		12,039
Year Four	11,807		11,807		8,321
Year Five	7,025		7,025		9,064
Prior	95,815		95,815		96,569
Revolving Loans	923		923		829
Total	149,030		149,030		159,767
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
Year Two					0
Year Three					0
Year Four					0
Year Five					0
Prior					347
Revolving Loans					0
Total					347
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	652		652		710
Revolving Loans	0		0		0
Total	652		652		710
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	11,556		11,556		23,400
Year Two	20,859		20,859		33,649
Year Three	32,764		32,764		14,739
Year Four	13,080		13,080		7,203
Year Five	6,769		6,769		5,442
Prior	18,061		18,061		13,800
Revolving Loans	68,857		68,857		65,287
Total	171,946		171,946		163,520
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	11,556		11,556		23,400
Year Two	20,859		20,859		33,022
Year Three	31,717		31,717		14,316
Year Four	12,658		12,658		7,179
Year Five	6,746		6,746		5,353
Prior	17,898		17,898		13,658
Revolving Loans	68,857		68,857		65,287
Total	170,291		170,291		162,215
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	68		68		0
Year Four	0		0		0
Year Five	0		0		0
Prior	0		0		67
Revolving Loans	0		0		0
Total	68		68		67
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		627
Year Three	979		979		423
Year Four	422		422		24
Year Five	23		23		89
Prior	163		163		75
Revolving Loans	0		0		0
Total	1,587		1,587		1,238
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	1,318		1,318		4,877
Year Two	8,798		8,798		6,091
Year Three	2,194		2,194		630
Year Four	625		625		10,236
Year Five	13,585		13,585		1,192
Prior	5,854		5,854		7,291
Revolving Loans	650		650		650
Total	33,024		33,024		30,967
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	1,318		1,318		4,877
Year Two	8,798		8,798		6,091
Year Three	2,194		2,194		630
Year Four	625		625		10,236
Year Five	13,585		13,585		1,192
Prior	5,854		5,854		7,291
Revolving Loans	650		650		650
Total	33,024		33,024		30,967
Commercial and industrial | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	6,969		6,969		17,197
Year Two	17,059		17,059		27,464
Year Three	23,420		23,420		31,689
Year Four	28,401		28,401		2,898
Year Five	4,225		4,225		2,647
Prior	6,945		6,945		7,520
Revolving Loans	87,394		87,394		65,853
Total	174,413		174,413		155,268
Current period gross charge-offs
Current Fiscal Year			0		1,488
Year Two			0		2,818
Year Three			2,195		1,439
Year Four			2,424		437
Year Five			38		62
Prior			185		328
Revolving Loans			0		0
Total	2,355	2,904	4,842	5,315	6,572
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	6,969		6,969		17,197
Year Two	15,615		15,615		26,075
Year Three	22,075		22,075		17,485
Year Four	14,489		14,489		2,727
Year Five	3,477		3,477		2,602
Prior	6,799		6,799		7,296
Revolving Loans	87,394		87,394		65,603
Total	156,818		156,818		138,985
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	822		822		542
Year Three	28		28		361
Year Four	0		0		39
Year Five	0		0		0
Prior	0		0		56
Revolving Loans	0		0		250
Total	850		850		1,248
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	0		0		0
Year Two	622		622		847
Year Three	1,317		1,317		13,843
Year Four	13,912		13,912		132
Year Five	748		748		45
Prior	146		146		168
Revolving Loans	0		0		0
Total	16,745		16,745		15,035
Other loans | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Financing Receivable, Allowance for Credit Loss [Line Items]
Current Fiscal Year	0		0		2,463
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		53
Year Five	0		0		0
Prior	1,617		1,617		30
Revolving Loans	43		43		39
Total	1,660		1,660		2,585
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	0		0		2,463
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		53
Year Five	0		0		0
Prior	1,611		1,611		23
Revolving Loans	43		43		39
Total	1,654		1,654		2,578
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		0
Year Two	0		0		0
Year Three	0		0		0
Year Four	0		0		0
Year Five	0		0		0
Prior	6		6		7
Revolving Loans	0		0		0
Total	$ 6		$ 6		$ 7

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, 2024	Dec. 31, 2023
Receivables [Abstract]
Non-accrual loans	$ 22,889	$ 10,115
Criteria days for delinquent status	90 days	90 days
Principal balance of loans on non accrual status, less than	$ 500
Impairment of loans	17,300	$ 6,000
Loans on non accrual status with principal balances below threshold definition of an impaired loan	5,600	4,100
90 days or more past due and accruing	2,600	1,300
Loans held-for-sale	$ 4,897	$ 0

Loans - Details and Delinquency

Loans - Details and Delinquency Status of Nonperforming Loans (Non-Accrual Loans and Loans Past Due 90 Days or More and Still Accruing) (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	$ 4,059,106	$ 4,203,654
Non-accrual loans	22,889	10,115
90 Days or More Past Due and Accruing	2,600	1,300
Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	2,651	2,709
Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	4,426	6,491
Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	66	104
Real estate loans: | Home equity and lines of credit
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	1,123	499
Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	14,617	305
Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	6	7
Non-Performing Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	25,532	11,433
Non-accrual loans	22,889	10,115
90 Days or More Past Due and Accruing	2,643	1,318
Non-Performing Loans | Real estate loans:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	10,074	11,121
Non-accrual loans	8,266	9,803
90 Days or More Past Due and Accruing	1,808	1,318
Non-Performing Loans | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,651	2,910
Non-accrual loans	2,651	2,709
90 Days or More Past Due and Accruing	0	201
Non-Performing Loans | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,587	6,491
Non-accrual loans	4,426	6,491
90 Days or More Past Due and Accruing	1,161	0
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	370	510
Non-accrual loans	66	104
90 Days or More Past Due and Accruing	304	406
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	1,466	1,210
Non-accrual loans	1,123	499
90 Days or More Past Due and Accruing	343	711
Non-Performing Loans | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	15,452	305
Non-accrual loans	14,617	305
90 Days or More Past Due and Accruing	835	0
Non-Performing Loans | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	6	7
Non-accrual loans	6	7
90 Days or More Past Due and Accruing	0	0
Non-Performing Loans | Substandard | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,651	2,910
Non-accrual loans	2,651	2,709
90 Days or More Past Due and Accruing	0	201
Non-Performing Loans | Substandard | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	5,587	6,491
Non-accrual loans	4,426	6,491
90 Days or More Past Due and Accruing	1,161	0
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	201	243
Non-accrual loans	66	104
90 Days or More Past Due and Accruing	135	139
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	1,436	1,149
Non-accrual loans	1,123	499
90 Days or More Past Due and Accruing	313	650
Non-Performing Loans | Substandard | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	14,702	305
Non-accrual loans	14,617	305
90 Days or More Past Due and Accruing	85	0
Non-Performing Loans | Substandard | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	6	7
Non-accrual loans	6	7
90 Days or More Past Due and Accruing	0	0
Non-Performing Loans | Pass | Real estate loans: | One-to-four family residential mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	169	267
Non-accrual loans	0	0
90 Days or More Past Due and Accruing	169	267
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	30	61
Non-accrual loans	0	0
90 Days or More Past Due and Accruing	30	61
Non-Performing Loans | Pass | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	750
Non-accrual loans	0
90 Days or More Past Due and Accruing	750
Non-Performing Loans | Current
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	3,013	5,329
Non-Performing Loans | Current | Real estate loans:
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	2,564	5,249
Non-Performing Loans | Current | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	1,738	1,906
Non-Performing Loans | Current | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	740	3,245
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	66	77
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	20	21
Non-Performing Loans | Current | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	443	73
Non-Performing Loans | Current | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	6	7
Non-Performing Loans | Current | Substandard | Real estate loans: | Multifamily
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	1,738	1,906
Non-Performing Loans | Current | Substandard | Real estate loans: | Commercial mortgage
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	740	3,245
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	66	77
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	20	21
Non-Performing Loans | Current | Substandard | Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	443	73
Non-Performing Loans | Current | Substandard | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	6	7
Non-Performing Loans | Current | Pass | 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 | 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	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 | 30-89 Days Past Due
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	260	105
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	65
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	65
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	260	40
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	65
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	260	40
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	0
Non-Performing Loans | 30-89 Days Past Due | Pass | 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 | Pass | 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 | 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
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	19,616	4,681
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	5,702	4,489
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	913	803
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	3,686	3,181
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	0	27
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	1,103	478
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	13,914	192
Non-Performing Loans | 90 Days or More Past Due | Other loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	0	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	913	803
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	3,686	3,181
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	0	27
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	1,103	478
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	13,914	192
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	0	0
Non-Performing Loans | 90 Days or More Past Due | Pass | 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 | 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	$ 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

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, 2024	Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	$ 4,059,106	$ 4,203,654
90 Days or More Past Due and Accruing	2,600	1,300
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,049,842	4,193,755
90 Days or More Past Due and Accruing	2,643	1,318
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	3,873,769	4,035,902
90 Days or More Past Due and Accruing	1,808	1,318
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	2,640,944	2,750,996
90 Days or More Past Due and Accruing	0	201
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	2,630,951	2,742,090
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	1,986	328
90 Days or More Past Due and Accruing	0	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	8,007	8,578
90 Days or More Past Due and Accruing	0	201
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	878,173	929,595
90 Days or More Past Due and Accruing	1,161	0
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	853,404	902,852
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	13,996	12,897
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	10,773	13,846
90 Days or More Past Due and Accruing	1,161	0
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	149,682	160,824
90 Days or More Past Due and Accruing	304	406
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	149,030	159,767
90 Days or More Past Due and Accruing	169	267
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		347
90 Days or More Past Due and Accruing		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	652	710
90 Days or More Past Due and Accruing	135	139
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	171,946	163,520
90 Days or More Past Due and Accruing	343	711
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	170,291	162,215
90 Days or More Past Due and Accruing	30	61
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	67
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	1,587	1,238
90 Days or More Past Due and Accruing	313	650
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	33,024	30,967
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	33,024	30,967
90 Days or More Past Due and Accruing	0	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	174,413	155,268
90 Days or More Past Due and Accruing	835	0
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	156,818	138,985
90 Days or More Past Due and Accruing	750	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	850	1,248
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	16,745	15,035
90 Days or More Past Due and Accruing	85	0
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	1,660	2,585
90 Days or More Past Due and Accruing	0	0
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	1,654	2,578
90 Days or More Past Due and Accruing	0	0
Other loans | Substandard | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	6	7
90 Days or More Past Due and Accruing	0	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	38,577	14,787
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	19,114	11,778
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	3,173	1,744
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	2,260	740
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	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	913	1,004
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	10,536	4,256
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	17	954
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	3,618	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	6,901	3,302
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	2,590	3,772
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	2,455	3,542
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		64
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	135	166
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	2,815	2,006
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	1,248	752
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	37
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	1,567	1,217
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 | 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	19,459	2,999
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	4,560	1,726
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	0	385
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	14,899	888
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	4	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	0	0
30-89 Days Past Due | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	16,318	8,788
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	11,604	5,971
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	2,260	740
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	2,260	740
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	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	5,689	1,075
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	17	954
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	3,618	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	2,054	121
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	2,286	3,339
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	2,286	3,275
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		64
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	1,369	817
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	1,218	691
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	37
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	151	89
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 | 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	4,710	2,807
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	3,810	1,726
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	0	385
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	900	696
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	10
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	10
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	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	19,616	4,681
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	5,702	4,489
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	913	803
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	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	913	803
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	3,686	3,181
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	3,686	3,181
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	0	27
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
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	0	27
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	1,103	478
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	1,103	478
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 | 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	13,914	192
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	13,914	192
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	0	0
90 Days or More Past Due | Other loans | Pass | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	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	0	0
Current | Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans held-for-investment	4,011,265	4,178,968
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	3,854,655	4,024,124
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	2,637,771	2,749,252
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	2,628,691	2,741,350
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	1,986	328
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	7,094	7,574
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	867,637	925,339
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	853,387	901,898
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	10,378	12,897
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	3,872	10,544
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	147,092	157,052
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	146,575	156,225
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		283
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	517	544
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	169,131	161,514
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	169,043	161,463
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	30
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	20	21
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	33,024	30,967
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	33,024	30,967
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	154,954	152,269
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	152,258	137,259
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	850	863
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	1,846	14,147
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	1,656	2,575
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	1,650	2,568
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	$ 6	$ 7

Loans - Non-Accrual Loans, Excl

Loans - Non-Accrual Loans, Excluding PCD Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	$ 22,889	$ 10,115
Unpaid Principal Balance	31,953	15,197
With No Related Allowance	4,731	6,042
Real estate loans: | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	2,651	2,709
Unpaid Principal Balance	3,065	2,987
With No Related Allowance	1,738	1,906
Real estate loans: | Commercial mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	4,426	6,491
Unpaid Principal Balance	4,873	6,946
With No Related Allowance	2,970	4,055
Real estate loans: | One-to-four family residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	66	104
Unpaid Principal Balance	66	104
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	1,123	499
Unpaid Principal Balance	1,372	749
With No Related Allowance	0	0
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	14,617	305
Unpaid Principal Balance	22,572	4,405
With No Related Allowance	23	81
Other loans
Financing Receivable, Allowance for Credit Loss [Line Items]
Recorded Investment	6	7
Unpaid Principal Balance	5	6
With No Related Allowance	$ 0	$ 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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	$ 976	$ 153	$ 1,304	$ 411
Real estate loans: | Multifamily
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	36	41	111	144
Real estate loans: | Commercial mortgage
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	34	63	188	183
Real estate loans: | One-to-four family residential mortgage
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	1	1	4	6
Real estate loans: | Home equity and lines of credit
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	7	0	14	1
Commercial and industrial
Financing Receivable, Impaired [Line Items]
Total interest income on non-accrual loans	$ 898	$ 48	$ 987	$ 77

Loans - Narrative, Collateral-D

Loans - Narrative, Collateral-Dependent Loans (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	$ 6,400	$ 7,900
Collateral securing loans	0
Real estate loans: | Commercial mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	4,400
Real estate loans: | Multifamily
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	1,700
Real estate loans: | One-to-four family residential mortgage
Financing Receivable, Allowance for Credit Loss [Line Items]
Collateral-dependent impaired loans	$ 272

Loans - Amortized Cost Basis of

Loans - Amortized Cost Basis of Loan Modifications (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 445	$ 14,036	$ 14,638	$ 14,555
Payment Delay
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	445	267	569	332
Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	13,379	$ 12,500	13,379
Loan extensions, period	90 days		90 days
Payment Delay and Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 0	0	$ 386	208
Payment Delay, Term Extension, and Interest Rate Reductions
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	390	1,183	636
Risk Rated Substandard
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount			12,500	13,400
Commercial mortgage
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount		$ 171	$ 681	$ 236
Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage		0.02%	0.08%	0.03%
Commercial mortgage | Payment Delay
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount		$ 171	$ 0	$ 236
Commercial mortgage | Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount		0	0	0
Commercial mortgage | Payment Delay and Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount		0	386	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	295	0
Commercial and industrial loans
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 445	$ 13,865	$ 13,957	$ 14,319
Financing receivable, excluding accrued interest, modified in period, to total financing receivables, percentage	0.26%	9.58%	8%	9.89%
Commercial and industrial loans | Payment Delay
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	$ 445	$ 96	$ 569	$ 96
Commercial and industrial loans | Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	13,379	12,500	13,379
Commercial and industrial loans | Payment Delay and Term Extension
Financing Receivable, Modified [Line Items]
Financing receivable, excluding accrued interest, modified in period, amount	0	0	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	$ 0	$ 390	$ 888	$ 636

Loans - Financial Effect of Loa

Loans - Financial Effect of Loan Modifications (Details)	3 Months Ended	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Commercial and industrial loans
Financing Receivable, Modified [Line Items]
Weighted-Average Term Extension (in months)	3 months 15 days	7 years 2 months 12 days	3 years 5 months 12 days
Weighted-Average Interest Rate Reduction	2.87%	3%	3.75%
Commercial mortgage
Financing Receivable, Modified [Line Items]
Weighted-Average Term Extension (in months)		60 months
Weighted-Average Interest Rate Reduction		3%

Loans - Narrative, Loan Modific

Loans - Narrative, Loan Modifications Made to Borrowers Experiencing Financial Difficulty (Details) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2024 USD ($) loan	Sep. 30, 2024 USD ($) loan	Dec. 31, 2023 USD ($)
Financing Receivable, Modified [Line Items]
Subsequent default payment due period	90 days	90 days
Subsequent default and charged off, period		12 months
Ending balance: individually evaluated for impairment	$ 20,201	$ 20,201	$ 9,324
Commercial and industrial loans
Financing Receivable, Modified [Line Items]
Number of loans | loan	1	5
Loan balance charged-off		$ 932
Subsequent default	$ 13,400
Commercial mortgage
Financing Receivable, Modified [Line Items]
Loan balance charged-off		12,500
Ending balance: individually evaluated for impairment	878	878
Reserve for loans	$ 1,300	$ 1,300

Loans - Aging Analysis of Loan

Loans - Aging Analysis of Loan Modifications (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable, Modified [Line Items]
Accumulated modifications	$ 14,777	$ 14,555
Current
Financing Receivable, Modified [Line Items]
Accumulated modifications	888	14,319
30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	479	65
90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	0	0
Total Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	13,410	171
Commercial mortgage
Financing Receivable, Modified [Line Items]
Accumulated modifications	681	236
Commercial mortgage | Current
Financing Receivable, Modified [Line Items]
Accumulated modifications	0	0
Commercial mortgage | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	0	65
Commercial mortgage | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	0	0
Commercial mortgage | Total Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	681	171
Commercial and industrial
Financing Receivable, Modified [Line Items]
Accumulated modifications	14,096	14,319
Commercial and industrial | Current
Financing Receivable, Modified [Line Items]
Accumulated modifications	888	14,319
Commercial and industrial | 30-89 Days Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	479	0
Commercial and industrial | 90 Days or More Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	0	0
Commercial and industrial | Total Past Due
Financing Receivable, Modified [Line Items]
Accumulated modifications	$ 12,729	$ 0

Allowance for Credit Losses (_3

Allowance for Credit Losses (“ACL”) on Loans - Narrative (Details) - USD ($)	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Credit Loss [Abstract]
Individually evaluated for impairment threshold	$ 500,000
Individually evaluated for impairment	1,276,000		$ 45,200
Allowance for credit loss	$ 35,197,000	$ 34,780,000	$ 37,535,000	$ 38,480,000	$ 41,154,000	$ 42,617,000

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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Balance at beginning of period	$ 422	$ 241	$ 236	$ 791
Provision (benefit) for credit losses	151	160	337	(390)
Balance at end of period	$ 573	$ 401	$ 573	$ 401

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		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 34,780,000	$ 41,154,000	$ 37,535,000	$ 42,617,000	$ 42,617,000
Charge-offs	(2,355,000)	(2,904,000)	(4,978,000)	(5,323,000)
Recoveries	230,000	42,000	301,000	104,000
Provisions (credit)	2,542,000	188,000	2,339,000	1,082,000
Ending balance	35,197,000	38,480,000	35,197,000	38,480,000	37,535,000
Originated Loans Net
Ending balance: individually evaluated for impairment	1,276,000		1,276,000		45,200
Ending balance: collectively evaluated for impairment	30,997,000		30,997,000		34,405,000
Ending balance: PCD loans evaluated for impairment	2,924,000		2,924,000		3,085,000
Total	4,059,106,000		4,059,106,000		4,203,654,000
Ending balance: individually evaluated for impairment	20,201,000		20,201,000		9,324,000
Ending balance: collectively evaluated for impairment	4,029,481,000		4,029,481,000		4,184,147,000
Ending balance: PCD loans evaluated for impairment	9,264,000		9,264,000		9,899,000
PPP loans not evaluated for impairment	160,000		160,000		284,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	31,835,000	37,428,000	34,450,000	38,734,000	38,734,000
Charge-offs	(2,355,000)	(2,904,000)	(4,978,000)	(5,315,000)	(6,572,000)
Recoveries	230,000	34,000	301,000	96,000
Provisions (credit)	2,563,000	814,000	2,500,000	1,857,000
Ending balance	32,273,000	35,372,000	32,273,000	35,372,000	34,450,000
Originated Loans Net
Ending balance: individually evaluated for impairment	1,276,000		1,276,000		45,000
Ending balance: collectively evaluated for impairment	30,997,000		30,997,000		34,405,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	4,049,842,000		4,049,842,000		4,193,755,000
Ending balance: individually evaluated for impairment	20,201,000		20,201,000		9,324,000
Ending balance: collectively evaluated for impairment	4,029,481,000		4,029,481,000		4,184,147,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	160,000		160,000		284,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Real Estate
Originated Loans Net
Total	3,873,769,000		3,873,769,000		4,035,902,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,564,000	7,295,000	6,050,000	4,114,000	4,114,000
Charge-offs	(2,355,000)	(2,904,000)	(4,842,000)	(5,315,000)	(6,572,000)
Recoveries	124,000	20,000	158,000	47,000
Provisions (credit)	2,424,000	1,391,000	6,391,000	6,956,000
Ending balance	7,757,000	5,802,000	7,757,000	5,802,000	6,050,000
Originated Loans Net
Ending balance: individually evaluated for impairment	1,268,000		1,268,000		17,000
Ending balance: collectively evaluated for impairment	6,489,000		6,489,000		6,033,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	174,413,000		174,413,000		155,268,000
Ending balance: individually evaluated for impairment	12,575,000		12,575,000		84,000
Ending balance: collectively evaluated for impairment	161,678,000		161,678,000		154,900,000
Ending balance: PCD loans evaluated for impairment	0		0		0
PPP loans not evaluated for impairment	160,000		160,000		284,000
Financial Asset, Other than Financial Asset Acquired with Credit Deterioration | Other
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	3,000	7,000	6,000	9,000	9,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credit)	(1,000)	0	(4,000)	(2,000)
Ending balance	2,000	7,000	2,000	7,000	6,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	2,000		2,000		6,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	1,660,000		1,660,000		2,585,000
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	1,660,000		1,660,000		2,585,000
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	2,945,000	3,726,000	3,085,000	3,883,000	3,883,000
Charge-offs	0	0	0	(8,000)
Recoveries	0	8,000	0	8,000
Provisions (credit)	(21,000)	(626,000)	(161,000)	(775,000)
Ending balance	2,924,000	3,108,000	2,924,000	3,108,000	3,085,000
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	2,924,000		2,924,000		3,085,000
Total	9,264,000		9,264,000		9,899,000
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	9,264,000		9,264,000		9,899,000
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	19,306,000	24,733,000	23,255,000	29,485,000	29,485,000
Charge-offs	0	0	(136,000)	0
Recoveries	14,000	14,000	42,000	48,000
Provisions (credit)	693,000	(409,000)	(3,148,000)	(5,195,000)
Ending balance	20,013,000	24,338,000	20,013,000	24,338,000	23,255,000
Originated Loans Net
Ending balance: individually evaluated for impairment	5,000		5,000		25,000
Ending balance: collectively evaluated for impairment	20,008,000		20,008,000		23,230,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	3,519,117,000		3,519,117,000		3,680,591,000
Ending balance: individually evaluated for impairment	7,036,000		7,036,000		8,608,000
Ending balance: collectively evaluated for impairment	3,512,081,000		3,512,081,000		3,671,983,000
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	2,292,000	3,814,000	3,285,000	3,936,000	3,936,000
Charge-offs	0	0	0	0
Recoveries	0	0	9,000	0
Provisions (credit)	(194,000)	(243,000)	(1,196,000)	(365,000)
Ending balance	2,098,000	3,571,000	2,098,000	3,571,000	3,285,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	2,098,000		2,098,000		3,285,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	149,682,000		149,682,000		160,824,000
Ending balance: individually evaluated for impairment	569,000		569,000		609,000
Ending balance: collectively evaluated for impairment	149,113,000		149,113,000		160,215,000
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	2,562,000	1,278,000	1,705,000	866,000	866,000
Charge-offs	0	0	0	0
Recoveries	92,000	0	92,000	1,000
Provisions (credit)	(357,000)	77,000	500,000	488,000
Ending balance	2,297,000	1,355,000	2,297,000	1,355,000	1,705,000
Originated Loans Net
Ending balance: individually evaluated for impairment	3,000		3,000		3,000
Ending balance: collectively evaluated for impairment	2,294,000		2,294,000		1,702,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	171,946,000		171,946,000		163,520,000
Ending balance: individually evaluated for impairment	21,000		21,000		23,000
Ending balance: collectively evaluated for impairment	171,925,000		171,925,000		163,497,000
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	108,000	301,000	149,000	324,000	324,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provisions (credit)	(2,000)	(2,000)	(43,000)	(25,000)
Ending balance	106,000	$ 299,000	106,000	$ 299,000	149,000
Originated Loans Net
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	106,000		106,000		149,000
Ending balance: PCD loans evaluated for impairment	0		0		0
Total	33,024,000		33,024,000		30,967,000
Ending balance: individually evaluated for impairment	0		0		0
Ending balance: collectively evaluated for impairment	33,024,000		33,024,000		30,967,000
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, 2024	Dec. 31, 2023
Deposits [Abstract]
Non-interest-bearing checking	$ 681,741	$ 694,903
Negotiable orders of withdrawal (“NOW”) and interest-bearing checking	1,230,176	1,231,943
Savings and money market	1,176,867	1,277,866
Certificates of deposit	786,785	673,723
Total deposits	$ 3,875,569	$ 3,878,435

Deposits - Interest Expense on

Deposits - Interest Expense on Deposits (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Deposits [Abstract]
NOW and interest-bearing checking, savings, and money market	$ 12,717	$ 8,865	$ 38,231	$ 19,194
Certificates of deposit	7,587	4,749	22,010	12,724
Total interest expense on deposit accounts	$ 20,304	$ 13,614	$ 60,241	$ 31,918

Subordinated Debt (Details)

Subordinated Debt (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
	Jun. 17, 2022	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Debt Instrument [Line Items]
Subordinated debentures, net of issuance costs		$ 61,386		$ 61,386		$ 61,219
Unamortized debt issuance costs		614		614		$ 781
Amortization expense				167	$ 167
Subordinated Debt
Debt Instrument [Line Items]
Subordinated debentures, net of issuance costs	$ 62,000
Subordinated notes interest rate	5%
Basis points	2%
Debt issuance costs	$ 1,100
Amortization expense		$ 56	$ 56	$ 167	$ 167

Equity Incentive Plans - Stock

Equity Incentive Plans - Stock Options Outstanding (Details) - $ / shares	9 Months Ended	12 Months Ended
	Sep. 30, 2024	Dec. 31, 2023
Number of Stock Options
Beginning Balance (in shares)	1,544,306
Forfeited or expired (in shares)	(843,203)
Ending Balance (in shares)	701,103	1,544,306
Exercisable (in shares)	701,103	1,544,306
Weighted Average Grant Date Fair Value
Beginning Balance (usd per share)	$ 4.03
Forfeited or expired (usd per share)	3.97
Ending Balance (usd per share)	4.11	$ 4.03
Exercisable (usd per share)	4.11	4.03
Weighted Average Exercise Price
Beginning Balance (usd per share)	14.05
Forfeited or expired (usd per share)	13.18
Ending Balance (usd per share)	15.09	14.05
Exercisable (usd per share)	$ 15.09	$ 14.05
Weighted Average Contractual Life (years)
Outstanding	10 months 17 days	1 year 3 days
Exercisable	10 months 17 days	1 year 3 days

Equity Incentive Plans - Narrat

Equity Incentive Plans - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended				9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Allocated share-based compensation expense	$ 717			$ 577	$ 1,600	$ 1,800
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)					196,554
Expected future stock-based compensation expense	2,900				$ 2,900
Average period of expected future stock option expense					1 year 6 months
Performance Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)					43,672
Expected future stock-based compensation expense	$ 449				$ 449
Average period of expected future stock option expense					1 year 7 months 6 days
2019 Equity Incentive Plan | Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		196,554	196,554
Grant date value		$ 2,600	$ 2,600
2019 Equity Incentive Plan | Restricted Stock Awards | Share-based Payment Arrangement, Tranche One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		40,708	40,708
Award vesting period		1 year	1 year
2019 Equity Incentive Plan | Restricted Stock Awards | Share-based Payment Arrangement, Tranche Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		155,846	155,846
Award vesting period		3 years	3 years
Period after grant date to begin vesting period		1 year	1 year
2019 Equity Incentive Plan | Performance Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		43,672	43,672
Grant date value		$ 581	$ 581
Award vesting period		3 years	3 years
2019 Equity Incentive Plan | Performance Stock Awards | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares issuable based on threshold performance		0%	0%
2019 Equity Incentive Plan | Performance Stock Awards | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of shares issuable based on threshold performance		225%	225%

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, 2024 $ / shares shares
Restricted Stock Awards
Restricted Stock Awards
Beginning Balance (in shares) | shares	289,160
Granted (in shares) | shares	196,554
Vested (in shares) | shares	(134,484)
Forfeited (in shares) | shares	(12,714)
Ending Balance (in shares) | shares	338,516
Weighted Average Grant Date Fair Value
Beginning Balance (usd per share) | $ / shares	$ 14.40
Granted (usd per share) | $ / shares	13.24
Vested (usd per share) | $ / shares	14.49
Forfeited (usd per share) | $ / shares	13.65
Ending Balance (usd per share) | $ / shares	$ 13.71
Performance Stock Awards
Restricted Stock Awards
Beginning Balance (in shares) | shares	74,923
Granted (in shares) | shares	43,672
Vested (in shares) | shares	(14,794)
Forfeited (in shares) | shares	(10,193)
Ending Balance (in shares) | shares	93,608
Weighted Average Grant Date Fair Value
Beginning Balance (usd per share) | $ / shares	$ 14.09
Granted (usd per share) | $ / shares	13.31
Vested (usd per share) | $ / shares	12.36
Forfeited (usd per share) | $ / shares	12.36
Ending Balance (usd per share) | $ / shares	$ 14.19

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	$ 1,063,486	$ 795,464
Trading securities	13,759	12,549
Individually evaluated loans	15,096	4,277
Investment measured at fair value	10,000	10,300
U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		44,379
U.S. Government agency securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	74,901	73,908
Pass-through certificates, GSE
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	277,649	337,540
Other debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	119,175	126,537
Measured on a recurring basis
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale	1,063,486	795,464
Trading securities	13,759	12,549
Equity securities	699	330
Total	1,077,944	808,343
Measured on a recurring basis | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		44,379
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	74,901	73,908
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	869,410	550,640
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	277,649	337,540
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	591,761	213,100
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	684	763
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	118,491	125,774
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	119,175	126,537
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	44,379
Trading securities	13,759	12,549
Equity securities	699	330
Total	14,458	57,258
Measured on a recurring basis | Quoted Prices in Active Markets for Identical Assets (Level 1) | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		44,379
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	1,063,486	751,085
Trading securities	0	0
Equity securities	0	0
Total	1,063,486	751,085
Measured on a recurring basis | Significant Other Observable Inputs (Level 2) | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		0
Measured on a recurring basis | Significant 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	74,901	73,908
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	869,410	550,640
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	277,649	337,540
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	591,761	213,100
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	684	763
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	118,491	125,774
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	119,175	126,537
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. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Debt securities available-for-sale		0
Measured on a recurring basis | Significant Unobservable Inputs (Level 3) | 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	15,096	4,277
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	3,789	4,218
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	2,033	2,291
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	1,738	1,906
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	18	21
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	11,307	59
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	15,096	4,277
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	3,789	4,218
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	2,033	2,291
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	1,738	1,906
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	18	21
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	$ 11,307	$ 59

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, 2024 USD ($)	Dec. 31, 2023 USD ($)
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Fair Value	$ 15,096	$ 4,277
Appraisals | Discount for costs to sell
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range of Inputs	0.070	0.070
Appraisals | Discount for quick sale
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range of Inputs	0.100	0.100
Discounted cash flows | Interest rates | Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range of Inputs	0.0488	0.0488
Discounted cash flows | Interest rates | Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Range of Inputs	0.0750	0.0750

Fair Value Measurements - Narra

Fair Value Measurements - Narrative (Details) - USD ($)	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Fair Value Disclosures [Abstract]
Impaired loans held-for-investment and held-for-sale with outstanding principal balances	$ 19,000,000		$ 6,000,000
Estimated fair value of impaired loans held-for-investment and held-for-sale	15,100,000		4,300,000
Net increase for impaired loans	1,200,000	$ 7,100
Net charge offs	4,700,000	$ 5,200,000
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, 2024	Dec. 31, 2023
Financial assets:
Trading securities	$ 13,759	$ 12,549
Debt securities available-for-sale	1,063,486	795,464
Debt securities held-to-maturity	9,519	9,586
Loans held-for-sale	4,897
Financial liabilities:
Subordinated debentures, net of issuance costs	61,386	61,219
Investment measured at fair value	10,000	10,300
Carrying Value
Financial assets:
Cash and cash equivalents	232,926	229,506
Trading securities	13,759	12,549
Debt securities available-for-sale	1,063,486	795,464
Debt securities held-to-maturity	9,681	9,866
Equity securities	699	330
FHLBNY stock	37,269	39,667
Loans held-for-sale	4,897
Net loans held-for-investment	4,023,909	4,166,119
Derivative assets	4,271	4,903
Financial liabilities:
Deposits	3,875,569	3,878,435
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	990,871	859,272
Subordinated debentures, net of issuance costs	61,386	61,219
Advance payments by borrowers for taxes and insurance	22,492	25,102
Derivative liabilities	4,273	4,905
Estimated Fair Value
Financial assets:
Cash and cash equivalents	232,926	229,506
Trading securities	13,759	12,549
Debt securities available-for-sale	1,063,486	795,464
Debt securities held-to-maturity	9,519	9,586
Equity securities	699	330
Net loans held-for-investment	3,840,026	3,887,033
Derivative assets	4,271	4,903
Financial liabilities:
Deposits	3,876,514	3,879,286
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	988,739	844,766
Subordinated debentures, net of issuance costs	45,659	45,531
Advance payments by borrowers for taxes and insurance	22,492	25,102
Derivative liabilities	4,273	4,905
Estimated Fair Value | Level 1
Financial assets:
Cash and cash equivalents	232,926	229,506
Trading securities	13,759	12,549
Debt securities available-for-sale	0	44,379
Debt securities held-to-maturity	0	0
Equity securities	699	330
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	0
Advance payments by borrowers for taxes and insurance	0	0
Derivative liabilities	0	0
Estimated Fair Value | Level 2
Financial assets:
Cash and cash equivalents	0	0
Trading securities	0	0
Debt securities available-for-sale	1,063,486	751,085
Debt securities held-to-maturity	9,519	9,586
Equity securities	0	0
Loans held-for-sale	0
Net loans held-for-investment	0	0
Derivative assets	4,271	4,903
Financial liabilities:
Deposits	3,876,514	3,879,286
FHLB advances and other borrowings (including securities sold under agreements to repurchase)	988,739	844,766
Subordinated debentures, net of issuance costs	45,659	45,531
Advance payments by borrowers for taxes and insurance	22,492	25,102
Derivative liabilities	4,273	4,905
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
Loans held-for-sale	4,897
Net loans held-for-investment	3,840,026	3,887,033
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	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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Earnings Per Share [Abstract]
Net income available to common stockholders	$ 6,523	$ 8,181	$ 18,694	$ 29,447
Weighted average shares outstanding-basic (in shares)	41,028,213	42,866,246	41,794,149	43,848,873
Effect of non-vested restricted stock and stock, performance-based restricted stock units and options outstanding (in shares)	60,424	51,928	35,081	78,477
Weighted average shares outstanding-diluted (in shares)	41,088,637	42,918,174	41,829,230	43,927,350
Earnings per share-basic (usd per share)	$ 0.16	$ 0.19	$ 0.45	$ 0.67
Earnings per share-diluted (usd per share)	$ 0.16	$ 0.19	$ 0.45	$ 0.67
Anti-dilutive shares (in shares)	706,143	1,707,261	1,496,292	1,492,290

Leases - Narrative (Details)

Leases - Narrative (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Lessee, Lease, Description [Line Items]
Operating lease right-of-use assets	$ 28,943	$ 30,202
Operating lease liabilities	$ 33,529	$ 35,205
Minimum
Lessee, Lease, Description [Line Items]
Term of lease	1 month
Renewal term	5 years
Maximum
Lessee, Lease, Description [Line Items]
Term of lease	30 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, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Leases [Abstract]
Operating lease cost	$ 1,452	$ 1,471	$ 4,382	$ 4,482
Variable lease cost	787	1,067	2,751	2,909
Net lease cost	2,239	2,538	7,133	7,391
Cash paid for amounts included in measurement of operating lease liabilities	1,597	1,632	4,797	4,853
Right-of-use assets obtained in exchange for new operating lease liabilities	$ 795	$ 582	$ 2,227	$ 645
Weighted average remaining lease term	10 years 9 months 10 days	11 years 1 month 6 days	10 years 9 months 10 days	11 years 1 month 6 days
Weighted average discount rate	3.68%	3.59%	3.68%	3.59%

Leases - Lease Payments Obligat

Leases - Lease Payments Obligations (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Leases [Abstract]
2024	$ 1,609
2025	6,199
2026	5,440
2027	4,483
2028	4,221
Thereafter	20,011
Total lease payments	41,963
Less: imputed interest	(8,434)
Present value of lease liabilities	$ 33,529	$ 35,205

Derivatives - Narrative (Detail

Derivatives - Narrative (Details) - Interest Rate Swap $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024 USD ($) instrument	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) instrument	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($) instrument
Derivative [Line Items]
Number of derivative instruments held | instrument	12		12		10
Derivative, notional amount	$ 78,900		$ 78,900		$ 72,700
Swap income	$ 173	$ 20	$ 173	$ 251

Derivatives - Fair Value of Der

Derivatives - Fair Value of Derivatives (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Other assets
Derivative [Line Items]
Fair value of derivative asset	$ 4,271	$ 4,903
Other liabilities
Derivative [Line Items]
Fair value of derivative liability	$ 4,273	$ 4,905