TrustCo Bank Corp NY (TRST) 10-Q 6 May 22 2022 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2022	Apr. 29, 2022
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	0-10592
Entity Registrant Name	TRUSTCO BANK CORP NY
Entity Central Index Key	0000357301
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	14-1630287
Entity Address, Address Line One	5 SARNOWSKI DRIVE
Entity Address, City or Town	GLENVILLE
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12302
City Area Code	518
Local Phone Number	377-3311
Title of 12(b) Security	Common Stock, $1.00 par value
Trading Symbol	TRST
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		19,196,875

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Interest and dividend income:
Interest and fees on loans		$ 39,003	$ 40,217
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		86	50
State and political subdivisions		1	1
Mortgage-backed securities and collateralized mortgage obligations		1,087	1,237
Corporate bonds		233	316
Small Business Administration-guaranteed participation securities		154	206
Other securities		2	6
Total interest and dividends on securities available for sale		1,563	1,816
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		90	123
Total interest on held to maturity securities		90	123
Federal Reserve Bank and Federal Home Loan Bank stock		62	69
Interest on federal funds sold and other short-term investments		572	270
Total interest income		41,290	42,495
Interest on deposits:
Interest-bearing checking		44	52
Savings accounts		156	159
Money market deposit accounts		214	283
Time deposits		546	1,666
Interest on short-term borrowings		234	228
Total interest expense		1,194	2,388
Net interest income		40,096	40,107
(Credit) Provision for credit losses		(200)	350
Net interest income after (credit) provision for credit losses		40,296	39,757
Noninterest income:
Trustco financial services income		1,833	2,035
Fees for services to customers		2,801	2,204
Net gain on securities transactions		0	0
Other		549	189
Total noninterest income		5,183	4,428
Noninterest expenses:
Salaries and employee benefits		9,239	12,425
Net occupancy expense		4,529	4,586
Equipment expense		1,588	1,631
Professional services		1,467	1,432
Outsourced services		2,280	2,250
Advertising expense		617	354
FDIC and other insurance		812	707
Other real estate expense, net		11	239
Other		2,222	1,711
Total noninterest expenses		22,765	25,335
Income before taxes		22,714	18,850
Income taxes		5,625	4,767
Net income		$ 17,089	$ 14,083
Net income per share:
Basic (in dollars per share)	[1],[2]	$ 0.890	$ 0.730
Diluted (in dollars per share)	[1],[2]	$ 0.890	$ 0.730
[1]	All periods presented have been adjusted for the 1 for 5
[2]	S hare and per share amounts have been adjusted for all periods presented for the 1 for 5 which occurred on May 28, 2021.

Consolidated Statements of In_2

Consolidated Statements of Income (Unaudited) (Parenthetical)	May 28, 2021
Consolidated Statements of Income (Unaudited) [Abstract]
Reverse stock split ratio	0.2

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 17,089	$ 14,083
Net unrealized holding loss on securities available for sale	(19,225)	(6,018)
Tax effect	4,974	1,557
Net unrealized loss on securities available for sale, net of tax	(14,251)	(4,461)
Amortization of net actuarial gain	(78)	(228)
Amortization of prior service credit	(280)	(52)
Tax effect	93	73
Amortization of net actuarial gain and prior service credit on pension and postretirement plans, net of tax	(265)	(207)
Other comprehensive income (loss), net of tax	(14,516)	(4,668)
Comprehensive income	$ 2,573	$ 9,415

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS:
Cash and due from banks	$ 47,526	$ 48,357
Federal funds sold and other short term investments	1,225,022	1,171,113
Total cash and cash equivalents	1,272,548	1,219,470
Securities available for sale	408,991	407,713
Held to maturity securities ($9,550 and $10,695 fair value at March 31, 2022 and December 31, 2021, respectively)	9,183	9,923
Federal Reserve Bank and Federal Home Loan Bank stock	5,604	5,604
Loans, net of deferred net costs	4,464,354
Less: Allowance for credit losses on loans	46,178
Net loans	4,418,176
Loans, net of deferred net costs		4,438,779
Less: Allowance for credit losses on loans		44,267
Net loans		4,394,512
Bank premises and equipment, net	32,644	33,027
Operating lease right-of-use assets	48,569	48,090
Other assets	86,158	78,207
Total assets	6,281,873	6,196,546
Deposits:
Demand	835,281	794,878
Interest-bearing checking	1,225,093	1,191,304
Savings accounts	1,553,152	1,504,554
Money market deposit accounts	796,275	782,079
Time deposits	940,215	995,314
Total deposits	5,350,016	5,268,129
Short-term borrowings	248,371	244,686
Operating lease liabilities	53,094	52,720
Accrued expenses and other liabilities	37,497	29,883
Total liabilities	5,688,978	5,595,418
SHAREHOLDERS' EQUITY:
Capital stock par value $1; 30,000,000 shares authorized; 20,045,684 shares issued at March 31, 2022 and December 31, 2021, and 19,201,875 and 19,219,989 shares outstanding at March 31, 2022 and December 31, 2021, respectively	20,046	20,046
Surplus	256,661	256,661
Undivided profits	355,948	349,056
Accumulated other comprehensive (loss) income, net of tax	(2,369)	12,147
Treasury stock at cost - 843,809 and 825,695 shares at March 31, 2022 and December 31, 2021, respectively	(37,391)	(36,782)
Total shareholders' equity	592,895	601,128
Total liabilities and shareholders' equity	$ 6,281,873	$ 6,196,546

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) $ in Thousands	Mar. 31, 2022USD ($)$ / sharesshares	Dec. 31, 2021USD ($)$ / sharesshares
ASSETS:
Held to maturity securities, fair value | $	$ 9,550	$ 10,695
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share) | $ / shares	$ 1	$ 1
Capital stock, shares authorized (in shares)	30,000,000	30,000,000
Capital stock, shares issued (in shares)	20,045,684	20,045,684
Capital stock, shares outstanding (in shares)	19,201,875	19,219,989
Treasury stock, at cost (in shares)	843,809	825,695

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands		Capital Stock [Member]		Surplus [Member]		Undivided Profits [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member]Undivided Profits [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance at Dec. 31, 2020	[1]	$ 20,041		$ 256,606		$ 313,974	$ 11,936	$ (34,396)	$ 568,161
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		0	[1]	0	[1]	14,083	0	0	14,083
Other comprehensive loss, net of tax		0	[1]	0	[1]	0	(4,668)	0	(4,668)
Stock options exercised	[1]	3		68					71
Cash dividend declared	[2]	0	[1]	0	[1]	(6,571)	0	0	(6,571)
Purchase of treasury stock	[2]	0	[1]	0	[1]	0	0	(45)	(45)
Balance at Mar. 31, 2021	[1]	20,044		256,674		321,486	7,268	(34,441)	571,031
Balance at Dec. 31, 2021		20,046	[1]	256,661	[1]	349,056	12,147	(36,782)	601,128
Balance (ASU 2016-13 [Member]) at Dec. 31, 2021		20,046	[1]	256,661	[1]	345,586	12,147	(36,782)	597,658	$ (3,470)	$ (3,470)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		0	[1]	0	[1]	17,089	0	0	17,089
Other comprehensive loss, net of tax		0	[1]	0	[1]	0	(14,516)	0	(14,516)
Cash dividend declared		0	[1]	0	[1]	(6,727)	0	0	(6,727)
Purchase of treasury stock		0	[1]	0	[1]	0	0	(609)	(609)
Balance at Mar. 31, 2022		$ 20,046	[1]	$ 256,661	[1]	$ 355,948	$ (2,369)	$ (37,391)	$ 592,895
[1]	All periods presented have been adjusted for the 1 for 5
[2]	Share amounts and per share amounts have been adjusted for all periods presented for the 1 for 5

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical)	3 Months Ended
	Mar. 31, 2022$ / sharesshares	Mar. 31, 2021$ / sharesshares
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Stock option exercises (in shares)		2,650
Cash dividend declared (in dollars per share) | $ / shares	$ 0.35	$ 0.340625
Purchase of treasury stock (in shares)	18,114	1,261

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash flows from operating activities:
Net income	$ 17,089	$ 14,083
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,024	1,063
Amortization of right-of-use asset	1,608	1,573
Net gain on sale of other real estate owned	(73)	0
Writedown of other real estate owned	0	121
(Credit) provision for credit losses	(200)	350
Deferred tax expense	744	1,152
Net amortization of securities	697	1,081
Net gain on sale of bank premises and equipment	(314)	(4)
Decrease in taxes receivable	489	101
Decrease in interest receivable	202	392
Decrease in interest payable	(32)	(164)
Increase in other assets	(2,601)	(3,160)
Decrease in operating lease liabilities	(1,713)	(1,637)
Decrease in accrued expenses and other liabilities	(5,943)	(6,221)
Total adjustments	(6,112)	(5,353)
Net cash provided by operating activities	10,977	8,730
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale	17,923	36,820
Proceeds from paydowns of held to maturity securities	716	1,061
Purchases of securities available for sale	(34,097)	(132,456)
Proceeds from maturities of securities available for sale	5,000	55
Net increase in loans	(25,516)	(24,656)
Proceeds from dispositions of other real estate owned	166	0
Proceeds from dispositions of bank premises and equipment	469	4
Purchases of bank premises and equipment	(796)	(663)
Net cash used in investing activities	(36,135)	(119,835)
Cash flows from financing activities:
Net increase in deposits	81,887	135,729
Net increase in short-term borrowings	3,685	15,195
Proceeds from exercise of stock options	0	71
Purchases of treasury stock	(609)	(45)
Dividends paid	(6,727)	(6,571)
Net cash provided by financing activities	78,236	144,379
Net increase in cash and cash equivalents	53,078	33,274
Cash and cash equivalents at beginning of period	1,219,470	1,107,099
Cash and cash equivalents at end of period	1,272,548	1,140,373
Cash paid during the year for:
Interest paid	1,226	2,552
Income taxes paid	5,090	4,661
Other non cash items:
Change in unrealized (loss) gain on securities available for sale-gross of deferred taxes	(19,225)	(6,018)
Change in deferred tax effect on unrealized loss (gain) on securities available for sale	4,974	1,557
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans	(358)	(280)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans	93	73
Security purchase settled in subsequent period	(10,000)	0
Impact to retained earnings from adoption of ASC 326, net of tax	$ (3,470)	$ 0

Financial Statement Presentatio

Financial Statement Presentation	3 Months Ended
	Mar. 31, 2022
Financial Statement Presentation [Abstract]
Financial Statement Presentation	(1) Financial Statement Presentation The unaudited Consolidated Interim Financial Statements of TrustCo Bank Corp NY (the “Company” or “TrustCo”) include the accounts of the Company’s subsidiary, Trustco Bank (also referred to as the “Bank”) and other subsidiaries after elimination of all significant intercompany accounts and transactions. Prior period amounts are reclassified when necessary to conform to the current period presentation. The net income reported for the three months ended March 31, 2022 is not necessarily indicative of the results that may be expected for the year ending December 31, 2022, or any interim periods. These financial statements consider events that occurred through the date of filing. In the opinion of the management of the Company, the accompanying unaudited Consolidated Interim Financial Statements contain all recurring adjustments necessary to present fairly the financial position as of March 31, 2022, the results of operations and cash flows for the three months ended March 31, 2022 and 2021. The accompanying unaudited Consolidated Interim Financial Statements should be read in conjunction with the Company’s year‑end Consolidated Financial Statements, including notes thereto, which are included in the Company’s Annual Report on Form 10‑K for the year ended December 31, 2021. The accompanying unaudited Consolidated Interim Financial Statements have been prepared in accordance with the instructions to Form 10‑Q and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with accounting principles generally accepted in the United States. The accounting policies of the Company, as applied in the Consolidated Interim Financial Statements presented herein, are substantially the same as those followed on an annual basis in the Annual Report on Form 10-K for the year ended December 31, 2021 filed with the Securities and Exchange Commission (“SEC”) on February 25, 2022 except as noted below. The accounting policies of the Company effective for the comparative periods presented prior to the adoption of ASU No. 2016-13, Financial Instruments – Credit Losses (Topic 326) are presented on the Form 10-K referenced above. Recently Adopted Accounting Standards On January 1, 2022, the Company adopted ASU 2016-13, “Financial Instruments - Credit Losses” (referred to as “CECL” and as Accounting Standards Codification Topic 326 (“ASC 326”)) which amended existing guidance to replace current generally accepted accounting principles used to measure a reporting entity’s credit losses. The main objective of this update is to provide financial statement users with enhanced financial disclosures for more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this update replace the incurred loss impairment methodology with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The allowance for credit losses on loans is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. The measurement of expected credit losses under the CECL methodology applies to financial assets measured at amortized cost including loan receivables and held-to-maturity debt securities. The update additionally applies to off-balance sheet exposures not accounted for as insurance (Loan commitments, standby letters of credit, financial guarantees and other similar instruments). In addition, CECL made changes to the accounting for available for sale securities. Once such change is to require credit losses to be presented as an allowance rather than as a write-down on available for sale debt securities that management does not intend to sell or believes that it is more likely than not they will be required to sell. As previously disclosed, the Company assembled a cross-functional working group that met regularly to oversee the implementation plan for CECL which included the assessment and documentation of the processes and internal controls, model development and documentation, assessing existing loan and loss data, assessing models for default and loss estimates and conducting parallel runs and reviews through January 1, 2022. The Company adopted CECL using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet (“OBS”) credit exposures. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with previous applicable GAAP. On the adoption date, the Company increased the allowance for credit losses on loans by $2.4 million and increased the allowance for credit losses for unfunded commitments by $2.3 million (included in Accrued expenses and other liabilities). The Company recorded a net decrease to undivided profits of $3.5 million, net of $1.2 million in deferred tax balances as of January 1, 2022 for the cumulative effect of adopting CECL. The Company did not record an allowance for credit losses as of January 1, 2022 on its securities available for sale or held to maturity. The impact of the January 1, 2022 adoption entry is summarized in the table below: (in thousands) December 31, 2021 Pre-CECL Adoption Impact of Adoption January 1, 2022 Post- CECL Adoption Assets: Allowance for credit losses on loans $ 44,267 2,353 $ 46,620 Allowance for credit losses on securities - - - Liabilities and shareholders’ equity: Other liabilities (ACL unfunded loan commitments) 18 2,335 2,353 Tax Effect, net - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits 349,056 (3,470 ) 345,586 Loans Loans that management has the intent and ability to hold for the near future or until maturity or payoff are reported at amortized cost net of allowance for credit losses on loans. Amortized cost is the principal balance outstanding, net of deferred loan fees and costs. Interest income is accrued on unpaid principal balances. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. Interest income of mortgage and commercial loans is discontinued and placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Mortgage loans are charged off at 180 days past due and commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought to current and future payments are reasonably assured. Accrued Interest Receivable The Company has made the following elections with regards to accrued interest receivable: the Company will continue to write off accrued interest receivable by reversing interest income; the Company has made the accounting policy election not to measure an allowance for credit losses for accrued interest receivables; and the Company elected to exclude accrued interest receivable balances from tabular disclosures and will present accrued interest receivable balances in other assets. Allowance for Credit Losses on Loans The allowance for credit losses on loans (“ACLL”) is a valuation account that is deducted from or added to the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loan are charged off against the allowance when management believes the uncollectibility of the loan balance is confirmed. Expected recoveries are not to exceed the aggregate of amounts previously charged-off and expected to be charged-off. The Company has elected the Discounted Cash Flow (“DCF”) methodology to determine its ACLL. Management estimates the allowance for credit loss on loans balance using relevant available information from internal and external sources related to past events, current conditions, and a reasonable and supportable forecast provided by a third party. The Company lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. Historical credit loss experience provides the basis for the estimation of expected credit losses. Considerations are made for changes in underwriting standards, portfolio mix, delinquency levels, or economic conditions such as changes in the unemployment rates, property values, and gross metro product to make adjustments to historical loss information. Management judgment is required at each point in the measurement process. Management utilized the historical loss rate experience on its own loan portfolio as the initial basis of the estimate using probability of default (“PD”) and loss given defaults (“LGD”) derived from September 30, 2011 to January 1, 2022. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In situations involving a borrower filing for Chapter 13 bankruptcy protection, however, a loan is considered to be in payment default once it is 30 days contractually past due, consistent with the treatment by the bankruptcy court. Management utilizes externally developed economic forecasts (Moody’s forecast scenarios) of unemployment rates within the key metropolitan areas in New York and Florida of which we serve to forecast probability of defaults and loss given defaults within the model. Management has determined that a reasonable and supportable forecast is 8 quarters • Unemployment levels in relation to inflationary pressures; • Monetary and fiscal policy assumptions and movement of the federal funds rate in 2022; • Supply chain conditions and their impacts on Consumer Price indices (“CPI”), and • Inflationary pressures on housing, and Gross Metro Product (“GMP”). In determining the appropriate forecast to utilize, management considered the range of forecasted unemployment as well as a number of other economic indicators. Unemployment levels in the Baseline continued to be optimistic while not providing what management determined to be a full reflection of supply chain, workforce challenges, and inflationary pressures. The rising inflation, volatility in consumer confidence, supply chain, and workforce environment challenges, as well as monetary and geopolitical environmental considerations, drove management to elect the Stagflation forecast scenario. As of January 1, 2022, the Company has elected to utilize the Stagflation forecast scenario with 100% weighting, due to the forecast more appropriately considering inflationary pressures being observed currently and prospectively in the markets we serve. This scenario also takes into the account the relative impacts to unemployment, CPI, GMP and housing. The ACLL reserve is then complimented with qualitative factors based upon regulatory, competition, regional market conditions, legal, and technical environment. Other macroeconomic conditions such as GMP, CPI, and Housing prices and their related forecasts for the respective metropolitan regions of New York and Florida, were qualitatively factored into the calculation using the Stagflation forecast scenario over the 8 quarter The effective interest rate used to discount expected cash flows considered the timing of the expected cash flows resulting from prepayments that existed as of January 1, 2022. The prepayment-adjusted effective interest rate uses the original contractual rate and prepayment assumptions as of January 1, 2022. The Company determined a contractual term excluding expected extensions, renewals and modifications. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The Company determined its allowance for credit losses on loans using a pool of assets with similar risk characteristics. The company evaluates its risk characteristics based on regulatory call report codes where it was determined that the loans within the call codes were homogenous in nature and could be aggregated into the main categories for the Company portfolio. There were no changes to the loan pools under CECL for January 1, 2022 compared to previously disclosed loan segments. Loans that no longer match the risk profile of the pool are individually assessed for credit losses, which are commercial nonaccrual loans and loans identified as troubled debt restructuring (“TDR”). The individual assessment for credit impairment is generally based on a discounted cash flow approach unless the asset is collateral dependent. The loan is considered collateral dependent when repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. Collateral dependent loans are individually assessed and the expected credit loss is based on the fair value of the collateral. A loan for which terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties is considered a TDR. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the near future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. The TDR that subsequently defaulted described above have the underlying collateral evaluated at the time these loans were identified as TDRs, and a charge‑off was taken at that time, if necessary. Collateral values on these loans are reviewed for collateral sufficiency on a quarterly basis. Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit loss expense. The estimate includes consideration that funding will occur and an estimate of expected credit losses on commitments is expected to be funded over its estimated life. The Company lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. The following categories of off-balance sheet credit exposures have been identified: unfunded commitments to extend credit, unfunded lines of credit, residential mortgage pending closings and standby letters of credit. Each of these unfunded commitments is analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the allowance for credit losses on loans calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized in other liabilities. The post adoption balance of $2.3 million is included with Accrued expenses and other liabilities on consolidated statements of financial condition. Prospective changes in the reserve will be recorded through the provision for credit losses on the consolidated statements of income. Debt Securities Debt securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. There were no debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2022. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are generally amortized on the level-yield method without anticipating prepayments. Premiums on callable debt securities are amortized to their earlier call date. Discounts are amortized to maturity date. Gains and losses are recorded on the trade date and determined using the specific identification method. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against interest income. Timely principal and interest payments continue to be made on the securities. The unrealized losses in the portfolio are primarily attributable to changes in interest rates. Allowance for Credit Losses – Held to Maturity Securities The Company’s held to maturity securities are issued by U.S. government entities and agencies such as Ginnie Mae, Fannie Mae, and Freddie Mac. These securities are either explicitly or implicitly guaranteed by the U.S. government and are highly rated by major rating agencies and have a long history of no credit losses. Management measures expected credit losses on held to maturity debt securities on a collective basis by major security type, issuer and payment stream. The estimate of expected credit losses considers historical credit loss information adjusted for current conditions and reasonable and supportable forecasts provided by a third party servicer. Based on the nature of the securities held by the Company and the underlying guarantees, there was no allowance for credit losses recorded for held to maturity securities as of January 1, 2022. Accrued interest receivable on held to maturity securities totaled $40 thousand and is excluded from the estimate of credit losses. Historically the Company has not experienced uncollectible accrued interest receivable on held-to-maturity securities portfolio. Allowance for Credit Losses – Available For Sale Securities For available for sale debit securities in an unrealized loss position, the entity first assesses whether it intends to sell, or if it is more likely that not that it will be required to sell the security before recovery of its amortized cost basis. If either criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available for sale that do not meet the aforementioned criteria, in making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and any adverse conditions specifically related to the security and its issuer, among other factors. If the present value of the cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recorded through other comprehensive income. Change in the allowance for credit losses is recorded as a provision for credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available for sale security is confirmed or when either criteria regarding the intent or requirement to sell is met. The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include agencies, and mortgage backed securities issued by Ginnie Mae, Fannie Mae, and Freddie Mac, which are currently well rated and guaranteed by the U.S. government. The Company does not intend to sell the securities, and it is not considered likely the Company will be required to sell these securities prior to recovery of the amortized cost. Timely principal and interest payments continue to be made on the securities. The unrealized losses in the portfolio are primarily attributable to changes in interest rates. Management does not believe any individual unrealized loss as of January 1, 2022 represents any credit loss and no realized losses have been recognized into provision for credit loss.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	(2) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share A reconciliation of the component parts of earnings per share for the three months ended March 31, 2022 and 2021 is as follows: (in thousands, except per share data) For the three months ended March 31 2022 2021 Net income $ 17,089 14,083 Weighted average common shares (1) 19,209 19,287 Stock Options (1) 1 6 Weighted average common shares including potential dilutive shares (1) 19,210 19,293 Basic EPS (1) $ 0.890 0.730 Diluted EPS (1) $ 0.890 0.730 (1) S hare and per share amounts have been adjusted for all periods presented for the 1 for 5 which occurred on May 28, 2021. For both the three months, ended March 31, 2022 and 2021 there were approximately 60 thousand weighted average anti-dilutive stock options excluded from diluted earnings per share. The stock options are antidilutive because the strike price is greater than the average fair value of the Company’s common stock for the periods presented.

Benefit Plans

Benefit Plans	3 Months Ended
	Mar. 31, 2022
Benefit Plans [Abstract]
Benefit Plans	(3) Benefit Plans The table below outlines the components of the Company’s net periodic benefit recognized during the three months ended March 31, 2022 and 2021 for its pension and other postretirement benefit plans: Three March 31 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2022 2021 2022 2021 Service cost $ - 11 18 22 Interest cost 223 216 52 44 Expected return on plan assets (817 ) (761 ) (333 ) (327 ) Amortization of net gain - - (78 ) (228 ) Amortization of prior service credit - - (280 ) (52 ) Net periodic benefit $ (594 ) (534 ) (621 ) (541 ) The Company does not expect to contribute to its pension and postretirement benefit plans in 2022. As of March 31, 2022, no contributions have been made; however, this decision is reviewed each quarter and is subject to change based upon market conditions. Since 2003, the Company has not subsidized retiree medical insurance premiums. However, it continues to provide medical benefits and postretirement medical benefits to a limited number of current and retired executives in accordance with the terms of their employment contracts.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2022
Investment Securities [Abstract]
Investment Securities	(4) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: March 31 2022 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 64,978 - 2,919 62,059 State and political subdivisions 41 - - 41 Mortgage backed securities and collateralized mortgage obligations - residential 257,248 80 13,283 244,045 Corporate bonds 76,086 49 2,046 74,089 Small Business Administration - guaranteed participation securities 29,181 - 1,095 28,086 Other 686 - 15 671 Total Securities Available for Sale $ 428,220 129 19,358 408,991 December 31, 2021 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 59,976 - 797 59,179 State and political subdivisions 41 - - 41 Mortgage backed securities and collateralized mortgage obligations - residential 269,907 3,367 2,476 270,798 Corporate bonds 45,805 157 625 45,337 Small Business Administration - guaranteed participation securities 31,303 371 - 31,674 Other 685 - 1 684 Total securities available for sale $ 407,717 3,895 3,899 407,713 The following table distributes the debt securities included in the available for sale portfolio as of March 31, 2022 based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are presented separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 10,071 10,120 Due in one year through five years 131,720 126,740 Due after five years through ten years - - Mortgage backed securities and collateralized mortgage obligations - residential 257,248 244,045 Small Business Administration - guaranteed participation securities 29,181 28,086 $ 428,220 408,991 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: March 31 2022 Less than 12 months 12 months or more Total (dollars in thousands) Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 23,723 1,264 38,336 1,655 62,059 2,919 Mortgage backed securities and collateralized mortgage obligations - residential 160,318 5,999 73,797 7,284 234,115 13,283 Corporate bonds 49,993 1,115 14,070 931 64,063 2,046 Small Business Administration - guaranteed participation securities 28,086 1,095 - - 28,086 1,095 Other 585 15 - - 585 15 Total $ 262,705 9,488 126,203 9,870 388,908 19,358 December 31, 2021 Less than 12 months 12 months or more Total (dollars in thousands) Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 49,279 697 9,900 100 59,179 797 Mortgage backed securities and collateralized mortgage obligations - residential 93,447 1,888 22,098 588 115,545 2,476 Corporate bonds 15,670 171 14,546 454 30,216 625 Other 648 1 - - 648 1 Total $ 159,044 2,757 46,544 1,142 205,588 3,899 There were no allowance for credit losses recorded for securities available for sale during the three months ended March 31, 2022. The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three months ended March 31, 2022 and 2021 are as follows: Three months ended March 31, (dollars in thousands) 2022 2021 Proceeds from sales $ - - Proceeds from calls/paydowns 17,923 36,820 Proceeds from maturities 5,000 55 Gross realized gains - - Gross realized losses - - (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: March 31 2022 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,183 383 16 9,550 Total held to maturity $ 9,183 383 16 9,550 December 31, 2021 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,923 773 1 10,695 Total held to maturity $ 9,923 773 1 10,695 The following table distributes the debt securities included in the held to maturity portfolio as of March 31, 2022, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,183 9,550 $ 9,183 9,550 All held to maturity securities are held at cost on the financial statements. As of March 31, 2022 and December 31, 2021 held to maturity securities with a fair value of $2.6 million and $442 thousand had an unrecognized loss of less than 12 months of $16 thousand and one thousand, respectively. There were no sales or transfers of held to maturity securities during the three months ended March 31, 2022 and 2021. There were no allowance for credit losses recorded for held to maturity securities during the three months ended March 31, 2022. There were no securities on non-accrual status and all securities were performing in accordance with contractual terms. Debt Securities Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. In determining OTTI for debt securities, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether any other‑than‑temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether management intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If management intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If management does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI on debt securities shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings through the provision for credit losses. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The Company does not intend to sell nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of March 31, 2022. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s strong capital and liquidity positions as well as it’s historically low turnover in the portfolio. As of March 31, 2022, the Company’s securities portfolio included certain securities, which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises: Mortgage backed securities and collateralized mortgage obligations – residential: Corporate Bonds & Other: impaired at March 31, 2022. Small Business Administration (SBA) - guaranteed participation securities:

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2022
Loan Portfolio and Allowance for Credit Losses [Abstract]
Loan Portfolio and Allowance for Credit Losses	(5) Loan Portfolio and Allowance for Credit Losses Upon adoption of CECL, management pooled loans with similar risk characteristics. The portfolio segment is defined as the level at which an entity develops and documents a systematic methodology to determine its allowance for credit losses on loans. The Following table presents loans by portfolio segment: March 31, 2022 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 147,295 23,935 171,230 Other 20,198 980 21,178 Real estate mortgage - 1 to 4 family: First mortgages 2,729,257 1,236,705 3,965,962 Home equity loans 47,043 13,429 60,472 Home equity lines of credit 172,854 63,263 236,117 Installment 7,269 2,126 9,395 Total loans, net $ 3,123,916 1,340,438 4,464,354 Less: Allowance for credit losses on loans 46,178 Net loans $ 4,418,176 Included in commercial loans above are Paycheck Protection Program (“PPP”) loans totaling $3.0 million as of March 31, 2022. At March 31, 2022, the Company had approximately $30.4 million of real estate construction loans. Of the $30.4 million in real estate construction loans at March 31, 2022, approximately $10.5 million are secured by first mortgages to residential borrowers while approximately $19.9 million were to commercial borrowers for residential construction projects. The vast majority of construction loans are in the Company’s New York market. Allowance for credit losses on loans The level of the ACLL is based on factors that influence management’s current estimate of expected credit losses including past events, current conditions. There were no changes in the Company’s methodology for the allowance for credit losses on loans for the period ended March 31, 2022 compared to adoption date. Consistent with adoption date, the Company has determined the stagflation forecast scenario to be appropriate for the March 31, 2022 ACLL calculation. The Company selected the stagflation economic forecast for credit losses as management expects that markets will experience a slight decline in economic conditions and a slight increase in the unemployment rate over the next two years. The following table presents the impact of the January 1, 2022 adoption entry in the allowance for credit losses on loans by loan type: (dollars in thousands) December 31, 2021 January 1, Pre-Adoption Balance Impact of Adoption Post CECL Adoption Total Total Commercial: Commercial real estate $ 3,121 $ (1,100 ) $ 2,021 Other 14 114 128 Real estate mortgage - 1 to 4 family: First mortgages 37,249 1,703 38,952 Home equity loans 583 262 845 Home equity lines of credit 2,857 1,752 4,609 Installment 443 (378 ) 65 Total Allowance $ 44,267 2,353 $ 46,620 Activity in the allowance for credit losses on loans by portfolio segment is summarized as follows: For the three months ended March 31, 2022 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 3,135 40,689 443 44,267 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January 1, 2022 as adjusted for ASU 2016-13 $ 2,149 44,406 65 46,620 Loans charged off: New York and other states* 36 - 10 46 Florida - - 1 1 Total loan chargeoffs 36 - 11 47 Recoveries of loans previously charged off: New York and other states* - 97 8 105 Florida - - - - Total recoveries - 97 8 105 Net loans charged off (recoveries) 36 (97 ) 3 (58 ) (Credit) provision for credit losses 64 (572 ) 8 (500 ) Balance at end of period $ 2,177 43,931 70 46,178 The Company’s allowance for credit losses on unfunded commitments is recognized as a liability (accrued expenses and other liabilities) with adjustments to the reserve recognized in (credit) provision for credit losses in the consolidated income statement. The Company’s activity in the allowance for credit losses on unfunded commitments for the three months ended March 31, 2022 was as follows: (In thousands) Total Balance at January 1, 2022 $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January 1, 2022 2,353 Provision for credit losses 300 Balance at March 31, 2022 $ 2,653 Loan Credit Quality The Company categorizes commercial loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, the Company’s loan grading process analyzes non-homogeneous loans, such as commercial loans and commercial real estate loans, individually by grading the loans based on credit risk. The loan grades assigned to all loan types are tested by the Company’s internal loan review department in accordance with the Company’s internal loan review policy. The Company uses the following definitions for classified loans: Special Mention : Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company’s credit position at some future date. Substandard : Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as such have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful : Loans classified as doubtful have all the weaknesses inherent in those loans classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be “pass” rated loans. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for credit losses on loans. The payment status of these homogeneous pools as of March 31, 2022 is also included in the aging of the past due loans table. Nonperforming loans shown in the table below were loans on nonaccrual status and loans over 90 days past due and accruing. As of March 31, 2022, and based on the most recent analysis performed, the risk category of loans by class of loans, and gross chargeoffs for each loan type by origination year was as follows: (in thousands) March 31, 2022 Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Commercial : Risk rating Pass $ 10,701 $ 32,756 $ 24,411 $ 26,575 $ 20,900 $ 46,493 $ 7,424 $ - $ 169,260 Special Mention - - 73 - 255 - - - 328 Substandard - - 118 - 140 1,384 - - 1,642 Total Commercial Loans $ 10,701 $ 32,756 $ 24,602 $ 26,575 $ 21,295 $ 47,877 $ 7,424 $ - $ 171,230 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 36 $ - $ - $ 36 $ - $ - $ - $ - $ - $ 36 $ - $ - $ 36 Commercial Other: Risk rating Pass $ 419 $ 5,931 $ 3,301 $ 786 $ 956 $ 2,634 $ 6,705 $ - $ 20,732 Special mention - 320 - - - - - - 320 Substandard - 25 - - - 101 - - 126 Total Commercial Real Estate Loans $ 419 $ 6,276 $ 3,301 $ 786 $ 956 $ 2,735 $ 6,705 $ - $ 21,178 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 142,158 $ 971,838 $ 834,631 $ 392,717 $ 279,365 $ 1,328,713 $ 545 $ - $ 3,949,967 Nonperforming - - 83 671 422 14,819 - - 15,995 Total First Mortgage: $ 142,158 $ 971,838 $ 834,714 $ 393,388 $ 279,787 $ 1,343,532 $ 545 $ - $ 3,965,962 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines: Risk rating Performing $ 2,414 $ 10,463 $ 7,431 $ 8,589 $ 5,943 $ 25,324 $ - $ - $ 60,164 Nonperforming - - - - 135 173 - - 308 Total Home Equity Lines: $ 2,414 $ 10,463 $ 7,431 $ 8,589 $ 6,078 $ 25,497 $ - $ - $ 60,472 Home Equity Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Credit Lines: Risk rating Performing $ 221 $ 721 $ 492 $ 100 $ 70 $ 19,850 $ 211,792 $ - $ 233,246 Nonperforming - - - - - 2,603 268 - 2,871 Total Home Equity Credit Lines: $ 221 $ 721 $ 492 $ 100 $ 70 $ 22,453 $ 212,060 $ - $ 236,117 Home Equity Credit Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Installments: Risk rating Performing $ 937 $ 3,409 $ 1,326 $ 1,471 $ 686 $ 375 $ 1,150 $ - $ 9,354 Nonperforming - 12 1 27 - - 1 - 41 Total Installments $ 937 $ 3,421 $ 1,327 $ 1,498 $ 686 $ 375 $ 1,151 $ - $ 9,395 Installments Loans: Current-period Gross writeoffs $ - $ - $ 5 $ 5 $ - $ 1 $ - $ - 11 $ - $ - $ 5 $ 5 $ - $ 1 $ - $ - $ 11 The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). Other real estate owned is included in Other assets on the Balance Sheet. As of March 31, 2022 other real estate owned included $270 thousand of residential foreclosed properties. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had an amortized cost of $11.7 million as of March 31, 2022. The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2022: March 31 2022 New York and other states*: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 106 123 229 147,066 147,295 Other 27 - 4 31 20,167 20,198 Real estate mortgage - 1 to 4 family: First mortgages 2,114 1,209 9,562 12,885 2,716,372 2,729,257 Home equity loans 19 - 173 192 46,851 47,043 Home equity lines of credit 727 25 1,187 1,939 170,915 172,854 Installment 36 24 14 74 7,195 7,269 Total $ 2,923 1,364 11,063 15,350 3,108,566 3,123,916 Florida: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - - - - 23,935 23,935 Other - - - - 980 980 Real estate mortgage - 1 to 4 family: First mortgages 623 - 1,552 2,175 1,234,530 1,236,705 Home equity loans - - 44 44 13,385 13,429 Home equity lines of credit - 89 - 89 63,174 63,263 Installment - 1 - 1 2,125 2,126 Total $ 623 90 1,596 2,309 1,338,129 1,340,438 Total: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 106 123 229 171,001 171,230 Other 27 - 4 31 21,147 21,178 Real estate mortgage - 1 to 4 family: First mortgages 2,737 1,209 11,114 15,060 3,950,902 3,965,962 Home equity loans 19 - 217 236 60,236 60,472 Home equity lines of credit 727 114 1,187 2,028 234,089 236,117 Installment 36 25 14 75 9,320 9,395 Total $ 3,546 1,454 12,659 17,659 4,446,695 4,464,354 * Includes New York, New Jersey, Vermont and Massachusetts. At March 31, 2022, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans include all loans 90 days or more past due as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or restructured loans. Loans individually evaluated for impairment are non-accrual commercial loans, as well as all loans classified as troubled debt restructurings. As of March 31, 2022, there was no allowance for credit losses based on the loans individually evaluated for impairment. Residential and installment non-accrual loans which are not TDRs are collectively evaluated to determine the allowance for credit loss. The following table presents the amortized cost basis in non-accrual loans by portfolio segment: March 31 2022 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 183 - 183 Other 4 - 4 Real estate mortgage - 1 to 4 family: First mortgages 14,102 1,893 15,995 Home equity loans 264 44 308 Home equity lines of credit 2,699 172 2,871 Installment 33 8 41 Total non-accrual loans 17,285 2,117 19,402 Restructured real estate mortgages - 1 to 4 family 16 - 16 Total nonperforming loans $ 17,301 2,117 19,418 The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2022: March 31, 2022 (dollars in thousands) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance For Credit Loss Loans Past Due Over 89 Days Commercial: Commercial real estate $ 61 $ 123 $ - Other - 4 - Real estate mortgage - 1 to 4 family: First mortgages 6,762 9,233 - Home equity loans 37 271 - Home equity lines of credit 1,030 1,841 - Installment - 41 - Total loans, net $ 7,890 $ 11,513 $ - The non-accrual balance of $11.5 million was collectively evaluated and the associated allowance for credit losses on loans was not material as of March 31, 2022. The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2022: March 31 2022 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for credit losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,177 43,931 70 46,178 Total ending allowance balance $ 2,177 43,931 70 46,178 Loans: Individually evaluated for impairment $ 305 17,617 - 17,922 Collectively evaluated for impairment 192,103 4,244,934 9,395 4,446,432 Total ending loans balance $ 192,408 4,262,551 9,395 4,464,354 A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. Expected Credit losses for the collateral dependent loans are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. The following table presents the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2022: Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 301 - - Other 4 - - Real estate mortgage - 1 to 4 family: First mortgages 15,417 - - Home equity loans 159 - - Home equity lines of credit 2,041 - - Installment - - - Total Loans $ 17,922 - - The Company has not committed to lend additional amounts to customers with outstanding loans that are classified as TDRs. Interest income recognized on loans that are individually evaluated was not material during the three months ended March 31, 2022 and 2021 . As of March 31, 2022 loans individually evaluated included approximately $9.8 million of loans in accruing status that were identified as TDR’s in accordance with regulatory guidance related to Chapter 7 bankruptcy loans. The following table presents, by class, loans that were modified as TDR’s: Three months ended March 31, 2022 New York and other states*: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans 3 370 370 Home equity lines of credit - - - Total 3 $ 370 370 Florida: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans - - - Home equity lines of credit - - - Total - $ - - * Includes New York, New Jersey, Vermont and Massachusetts. For the three months ended March 31, 2021 there were no loans that were modified as TDR’s. The addition of these TDR’s did not have a significant impact on the allowance for credit losses on loans. The nature of the modifications that resulted in them being classified as a TDR was the borrower filing for bankruptcy protection. There were no TDRs that defaulted during the three months ended March 31, 2022 and 2021 which had been modified within the last twelve months. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, as previously noted, even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they did not reaffirm the debt. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In situations involving a borrower filing for Chapter 13 bankruptcy protection, however, a loan is considered to be in payment default once it is 30 days contractually past due, consistent with the treatment by the bankruptcy court. Prior to the adoption of CECL on January 1, 2022, the Company calculated allowance for loan losses using the incurred losses methodology. The following tables are the disclosures related to loans in prior periods. The Following table presents the recorded investment in loans by portfolio segment: December 31, 2021 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 147,063 21,653 168,716 Other 30,889 595 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,723,734 1,212,568 3,936,302 Home equity loans 48,190 13,695 61,885 Home equity lines of credit 175,134 55,842 230,976 Installment 7,368 2,048 9,416 Total loans, net $ 3,132,378 1,306,401 4,438,779 Less: Allowance for loan losses 44,267 Net loans $ 4,394,512 Included in commercial loans above are Paycheck Protection Program (“PPP”) loans totaling $10.0 million as of December 31, 2021. At December 31, 2021, the Company had approximately $37.3 million of real estate construction loans. Of the $37.3 million in real estate construction loans at December 31, 2021, approximately $17.9 million were secured by first mortgages to residential borrowers while approximately $19.4 million were to commercial borrowers for residential construction projects. The vast majority of construction loans are in the Company’s New York market. The Following table presents the summary of past due loans by portfolio segment: December 31, 2021 New York and other states*: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 233 45 278 146,785 147,063 Other - - - - 30,889 30,889 Real estate mortgage - 1 to 4 family: First mortgages 1,303 239 9,867 11,409 2,712,325 2,723,734 Home equity loans 136 - 224 360 47,830 48,190 Home equity lines of credit 355 458 911 1,724 173,410 175,134 Installment 27 5 4 36 7,332 7,368 Total $ 1,821 935 11,051 13,807 3,118,571 3,132,378 Florida: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - - - - 21,653 21,653 Other - - - - 595 595 Real estate mortgage - 1 to 4 family: First mortgages 869 180 1,146 2,195 1,210,373 1,212,568 Home equity loans - 45 - 45 13,650 13,695 Home equity lines of credit - 89 - 89 55,753 55,842 Installment 18 - 5 23 2,025 2,048 Total $ 887 314 1,151 2,352 1,304,049 1,306,401 Total: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 233 45 278 168,438 168,716 Other - - - - 31,484 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,172 419 11,013 13,604 3,922,698 3,936,302 Home equity loans 136 45 224 405 61,480 61,885 Home equity lines of credit 355 547 911 1,813 229,163 230,976 Installment 45 5 9 59 9,357 9,416 Total $ 2,708 1,249 12,202 16,159 4,422,620 4,438,779 * Includes New York, New Jersey, Vermont and Massachusetts. At December 31, 2021, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans include all loans 90 days or more past due as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or restructured loans. The Company has identified non-accrual commercial and commercial real estate loans, as well as all loans restructured under a TDR, as impaired loans. A loan is considered impaired when it is probable that the borrower will be unable to repay the loan according to the original contractual terms of the loan agreement or the loan is restructured as a TDR. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for loan losses. The payment status of these homogeneous pools as of December 31, 2021 is included in the aging of the recorded investment of the past due loans table. In addition, the total nonperforming portion of these homogeneous loan pools as of December 31, 2021 is presented in the non-accrual loans table. The Following table presents the non-accrual loans by portfolio segment: December 31, 2021 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 67 - 67 Other 45 - 45 Real estate mortgage - 1 to 4 family: First mortgages 13,990 1,797 15,787 Home equity loans 247 45 292 Home equity lines of credit 2,337 174 2,511 Installment 23 14 37 Total non-accrual loans 16,709 2,030 18,739 Restructured real estate mortgages - 1 to 4 family 17 - 17 Total nonperforming loans $ 16,726 2,030 18,756 * Includes New York, New Jersey, Vermont and Massachusetts. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). Other real estate owned is included in other assets on the Balance Sheet. As of December 31, 2021, other real estate owned included $362 thousand of residential foreclosed properties. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $9.7 million as of December 31, 2021. The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2021: December 31, 2021 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 3,135 40,689 443 44,267 Total ending allowance balance $ 3,135 40,689 443 44,267 Loans: Individually evaluated for impairment $ 232 18,272 - 18,504 Collectively evaluated for impairment 199,968 4,210,891 9,416 4,420,275 Total ending loans balance $ 200,200 4,229,163 9,416 4,438,779 The following table presents impaired loans by loan class as of December 31, 2021: December 31, 2021 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,154 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 13,687 13,875 - 14,072 Home equity loans 161 161 - 235 Home equity lines of credit 1,852 1,939 - 2,256 Total $ 15,932 16,299 - 17,824 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - 105 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,368 2,368 - 2,562 Home equity loans - - - 16 Home equity lines of credit 204 204 - 246 Total $ 2,572 2,572 - 2,929 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,259 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 16,055 16,243 - 16,634 Home equity loans 161 161 - 251 Home equity lines of credit 2,056 2,143 - 2,502 Total $ 18,504 18,871 - 20,753 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses for the three months ended March 31, 2021 was as follows: For the three months ended March 31 2021 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,140 44,950 505 49,595 Loans charged off: New York and other states* - 86 7 93 Florida - - 2 2 Total loan chargeoffs - 86 9 95 Recoveries of loans previously charged off: New York and other states* 32 88 21 141 Florida - - - - Total recoveries 32 88 21 141 Net loans (recoveries) charged off (32 ) (2 ) (12 ) (46 ) (Credit) provision for loan losses (120 ) 555 (85 ) 350 Balance at end of period $ 4,052 45,507 432 49,991 * Includes New York, New Jersey, Vermont and Massachusetts. As of December 31, 2021 the risk category of loans by class of loans is as follows: December 31, 2021 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,500 1,563 147,063 Other 30,726 163 30,889 $ 176,226 1,726 177,952 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 21,113 540 21,653 Other 595 - 595 $ 21,708 540 22,248 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 166,613 2,103 168,716 Other 31,321 163 31,484 $ 197,934 2,266 200,200 * Includes New York, New Jersey and Massachusetts. Included in classified loans in the above tables are impaired loans of $226 thousand at December 31, 2021.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2022
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	(6) Fair Value of Financial Instruments Fair value measurements ) Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Individually evaluated loans : Periodically the Company records non-recurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans. Non-recurring adjustments can also include certain adjustments for collateral-dependent loans to adjust balances to fair value and generally have had a chargeoff through the allowance for Credit losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. Indications of value for both collateral-dependent loans and other real estate owned are obtained from third party providers or the Company’s internal Appraisal Department. All indications of value are reviewed for reasonableness by a member of the Appraisal Department for the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value via comparison with independent data sources such as recent market data or industry-wide statistics. Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at March 31 2022 (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. government sponsored enterprises $ 62,059 $ - $ 62,059 $ - State and political subdivisions 41 - 41 - Mortgage backed securities and collateralized mortgage obligations - residential 244,045 - 244,045 - Corporate bonds 74,089 - 74,089 - Small Business Administration- guaranteed participation securities 28,086 - 28,086 - Other securities 671 - 671 - Total securities available for sale $ 408,991 $ - $ 408,991 $ - Fair Value Measurements at December 31, 2021 (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 59,179 $ - $ 59,179 $ - State and political subdivisions 41 - 41 - Mortgage backed securities and collateralized mortgage obligations - residential 270,798 - 270,798 - Corporate bonds 45,337 - 45,337 - Small Business Administration- guaranteed participation securities 31,674 - 31,674 - Other securities 684 - 684 - Total securities available for sale $ 407,713 $ - $ 407,713 $ - There were transfers between Level and Level during the months ended and . Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at March 31, 2022 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 269 $ - $ - $ 269 Sales comparison approach Adjustments for differences between comparable sales 1% - 20% (7 %) Loans individually evaluated - - - - Sales comparison Adjustments for differences between comparable sales N/A Fair Value Measurements at December 31, 2021 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 362 $ - $ - $ 362 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (6 %) Impaired loans: Real estate mortgage -1 to 4 family - - - - Sales comparison Adjustments for differences between comparable sales Other real estate owned, that is carried at fair value less costs to sell was approximately $ thousand at and consisted of only residential real estate properties. There were no valuation charges included in earnings for the months ended Of the total individually evaluated loans of $ million at March 31, 2022, there are loans that are collateral dependent and are carried at fair value measured on a non-recurring basis Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were specific valuation allowances for these loans at March 31, 2022. There were no gross charge-offs related to residential impaired loans included in the table above. Other real estate owned, which is carried at fair value less costs to sell, was approximately $362 thousand at December 31, 2021 and consisted of only residential real estate properties. A valuation charge of $121 thousand is included in earnings for the year ended December 31, 2021. Of the total impaired loans of $18.5 million at December 31, 2021, there are no impairments that are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2021. There were no gross charge-offs related to residential impaired loans included in the table above. The : (dollars in thousands) Fair Value Measurements at Carrying March 31 2022 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,272,548 1,272,548 - - 1,272,548 Securities available for sale 408,991 - 408,991 - 408,991 Held to maturity securities 9,183 - 9,550 - 9,550 Federal Home Loan Bank stock 5,604 N/A N/A N/A N/A Net loans 4,418,176 - - 4,443,718 4,443,718 Accrued interest receivable 8,897 107 1,073 7,717 8,897 Financial liabilities: Demand deposits 835,281 835,281 - - 835,281 Interest bearing deposits 4,514,735 3,574,520 933,385 - 4,507,905 Short-term borrowings 248,371 - 248,371 - 248,371 Accrued interest payable 131 36 95 - 131 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2021 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,219,470 1,219,470 - - 1,219,470 Securities available for sale 407,713 - 407,713 - 407,713 Held to maturity securities 9,923 - 10,695 - 10,695 Federal Reserve Bank and Federal Home Loan Bank stock 5,604 N/A N/A N/A N/A Net loans 4,394,512 - - 4,451,031 4,451,031 Accrued interest receivable 9,099 10 1,235 7,854 9,099 Financial liabilities: Demand deposits 794,878 794,878 - - 794,878 Interest bearing deposits 4,473,251 3,477,937 993,676 - 4,471,613 Short-term borrowings 244,686 - 244,686 - 244,686 Accrued interest payable 163 34 129 - 163

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	(7) Accumulated Other Comprehensive Income (Loss) The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: Three months ended March 31, 2022 (dollars in thousands) Balance at 12/31/2021 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- Three months ended 3/31/2022 Balance at 3/31/2022 Net unrealized holding loss on securities available for sale, net of tax $ (26 ) (14,251 ) - (14,251 ) (14,277 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 - - - 13,706 Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (1,533 ) - (265 ) (265 ) (1,798 ) Accumulated other comprehensive (loss) income, net of tax $ 12,147 (14,251 ) (265 ) (14,516 ) (2,369 ) Three months ended March 31, 2021 (dollars in thousands) Balance at 12/31/2020 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- Three months ended 3/31/2021 Balance at 3/31/2021 Net unrealized holding loss on securities available for sale, net of tax $ 7,186 (4,461 ) - (4,461 ) 2,725 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 - - - 6,084 Net change in net actuarial (gain) loss and prior service credit on pension and postretirement benefit plans, net of tax (1,334 ) - (207 ) (207 ) (1,541 ) Accumulated other comprehensive income (loss), net of tax $ 11,936 (4,461 ) (207 ) (4,668 ) 7,268 The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three months ended March 31, 2022 and 2021: (dollars in thousands) Three months ended March 31 2022 2021 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 78 228 Salaries and employee benefits Amortization of prior service (cost) credit 280 52 Salaries and employee benefits Income tax benefit (93 ) (73 ) Income taxes Net of tax 265 207 Total reclassifications, net of tax $ 265 207

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Mar. 31, 2022
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	(8) Revenue from Contracts with Customers All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the three months ended March 31, 2022 and 2021. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended March 31 2022 2021 Non-interest income Service Charges on Deposits Overdraft fees $ 646 617 Other 790 469 Interchange Income 1,702 1,153 Wealth management fees 1,833 2,035 Other (a) 212 154 Total non-interest income $ 5,183 4,428 (a) Not within the scope of ASC 606. A description of the Company’s revenue streams accounted for ASC 606 follows: Service charges on Deposit Accounts: Interchange Income: Wealth Management fees:

Operating Leases

Operating Leases	3 Months Ended
	Mar. 31, 2022
Operating Leases [Abstract]
Operating Leases	(9) Operating Leases The Company has committed to rent premises used in business operations under non-cancelable operating leases and determines if an arrangement meets the definition of a lease upon inception. Operating leases are included in operating lease right-of-use (“ROU”) assets and operating lease liabilities on the Company’s balance sheets. Operating lease ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Operating lease ROU assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term. The Company’s leases do not provide an implicit rate, therefore the Company used its incremental collateralized borrowing rates commensurate with the underlying lease terms to determine present value of operating lease liabilities. Additionally, the Company does allocate the consideration between lease and non-lease components. The Company’s lease terms may include options to extend when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. Variable lease components, such as fair market value adjustments, are expensed as incurred and not included in ROU assets and operating lease liabilities. Leases with an initial term of 12 months or less are not recorded on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. As of March 31, 2022, the Company did not have any leases with terms of twelve months or less. As of March 31, 2022, the Company does not have any leases that the construction has not started yet. At March 31, 2022, lease expiration dates ranged from one month to 22.5 years and have a weighted average remaining lease term of 9.3 years. Certain leases provide for increases in future minimum annual rental payments as defined in the lease agreements. As mentioned above the leases generally also include variable lease components which include real estate taxes, insurance, and common area maintenance (“CAM”) charges in the annual rental payments. Other information related to leases was as follows: (dollars in thousands) Three months ended March 31 2022 2021 Operating lease cost $ 2,052 2,016 Variable lease cost 596 502 Total Lease costs $ 2,648 2,518 (dollars in thousands) Three months ended March 31 2022 2021 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,093 2,038 Right-of-use assets obtained in exchange for lease obligations: 2,087 302 Weighted average remaining lease term 9.3 8.9 Weighted average discount rate 2.96 % 3.16 % Future minimum lease payments under non-cancellable leases as of March 31, 2022 were as follows: Year ending December 31 2022 (a) $ 6,211 2023 8,134 2024 8,012 2025 7,603 2026 6,627 Thereafter 24,435 Total lease payments $ 61,022 Less: Interest 7,928 Present value of lease liabilities $ 53,094 (a) Excluding the three months ended March 31, 2022. A member of the Board of Directors has an ownership interest in five entities that own commercial real estate leased by the Company for use as branch locations. Total lease payments from the Company to those entities, which are included in the table above, owed at March 31, 2022, were $3.5 million, which includes interest in the amount of $473 thousand.

Regulatory Capital Requirements

Regulatory Capital Requirements	3 Months Ended
	Mar. 31, 2022
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(10) Regulatory Capital Requirements Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy regulations and, additionally for banks, the prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can result in regulatory action. As of March 31, 2022, the Company and Bank meet all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is not classified as well capitalized, regulatory approval is required to accept brokered deposits. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of March 31, 2022 and December 31, 2021, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank and the Company reported the following capital ratios as of and : (Bank Only) Minimum for Capital Adequacy plus Capital Conservation As of March 31, 2022 Well (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 575,895 9.286 % 5.000 % 4.000 % Common equity tier 1 capital 575,895 18.743 6.500 7.000 Tier 1 risk-based capital 575,895 18.743 8.000 8.500 Total risk-based capital 614,433 19.997 10.000 10.500 As of December 31, 2021 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio 570,594 9.324 % 5.000 % 4.000 % Common equity tier 1 capital 570,594 18.954 6.500 7.000 Tier 1 risk-based capital 570,594 18.954 8.000 8.500 Total risk-based capital 608,308 20.206 10.000 10.500 (Consolidated) As of March 31, 2022 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 594,711 9.585 % 4.000 % Common equity tier 1 capital $ 594,711 19.349 7.000 Tier 1 risk-based capital $ 594,711 19.349 8.500 Total risk-based capital $ 633,260 20.603 10.500 As of December 31, 2021 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 588,427 9.614 % 4.000 % Common equity Tier 1 capital 588,427 19.541 7.000 Tier 1 risk-based capital 588,427 19.541 8.500 Total risk-based capital 626,150 20.794 10.500 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The March 31, 2022 and December 31, 2021 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer o

New Accounting Pronouncements

New Accounting Pronouncements	3 Months Ended
	Mar. 31, 2022
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	(11) New Accounting Pronouncements ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructurings and Vintage Disclosures: In March 2022, FASB issued ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructuring and Vintage Disclosures. ASU 2022-02 eliminates the accounting guidance for TDRs by creditors in Subtopic 310-40, Receivables - Troubled Debt Restructurings by Creditors, while enhancing disclosure requirements for certain loan refinancing and restructurings by creditors when a borrower is experiencing financial difficulty. Additionally, the amendments in this ASU require that public business entities disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic 326-20, Financial Instruments - Credit Losses -Measured at Amortized Cost. For entities, like TrustCo, that have adopted the amendments in ASU 2016-13, the amendments in this ASU are effective for fiscal years beginning after December 15, 2022, including interim periods within those years. Early adoption is permitted, including adoption in an interim period. An entity may elect to adopt the loan modification guidance and related disclosure enhancements separately from the amendments related to vintage disclosures. The amendments in this ASU should be applied prospectively, except for the amendments related to the recognition and measurement of TDRs which may be applied prospectively or using a modified retrospective transition method. The adoption of ASU13 2022-02 is not expected to have a material impact on the financial statements, but impact disclosure requirements, and reduce potentially individually evaluated loan totals.

Risks and Uncertainties

Risks and Uncertainties	3 Months Ended
	Mar. 31, 2022
Risks and Uncertainties [Abstract]
Risks and Uncertainties	(12) Risks and Uncertainties In March 2020, the World Health Organization categorized COVID-19 as a pandemic, and the President of the United States declared the COVID-19 outbreak a national emergency. On March 3, 2020, the Federal Reserve reduced the target federal funds rate by 50 basis points, followed by an additional reduction of 100 basis points on March 16, 2020. The Company has evaluated the impact of the effects of COVID-19 and determined that there were no material or systematic adverse impacts on the Company’s March 31, 2022 financial statements. As of March 31, 2022 the Company and Bank capital ratios were in excess of all regulatory requirements. While management believes that we have sufficient capital to withstand any further economic challenges brought on by the COVID-19 pandemic, our reported and regulatory capital ratios, as well as the ability of the Company and the Bank to pay dividends or make other distributions, could be adversely impacted by unanticipated credit losses. At this time, we do not believe there exists any impairment to our goodwill, long-lived assets, right of use assets, held to maturity investment securities, or available-for-sale investment securities due to the COVID-19 pandemic. It is uncertain whether prolonged effects of the COVID-19 pandemic will result in future impairment charges related to any of the aforementioned assets and continue to negatively impact net interest income, provision for loan losses, and noninterest income. Loan modifications and payment deferrals as a result of COVID-19 that met the criteria established under Section 4013 of the CARES Act or under applicable interagency guidance of the federal banking regulators were excluded from evaluation of TDR classification and were reported as current during the payment deferral period. The Company’s policy was to continue to accrue interest during the deferral period. Loans not meeting the CARES ACT or regulatory guidance were evaluated for TDR and non-accrual treatment under the Company’s existing policies and procedures. The relief provided by the CARES ACT expired on December 31, 2021. The Company doesn’t have any loan deferrals as of March 31, 2022.

Financial Statement Presentat_2

Financial Statement Presentation (Policies)	3 Months Ended
	Mar. 31, 2022
Financial Statement Presentation [Abstract]
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards On January 1, 2022, the Company adopted ASU 2016-13, “Financial Instruments - Credit Losses” (referred to as “CECL” and as Accounting Standards Codification Topic 326 (“ASC 326”)) which amended existing guidance to replace current generally accepted accounting principles used to measure a reporting entity’s credit losses. The main objective of this update is to provide financial statement users with enhanced financial disclosures for more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this update replace the incurred loss impairment methodology with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The allowance for credit losses on loans is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. The measurement of expected credit losses under the CECL methodology applies to financial assets measured at amortized cost including loan receivables and held-to-maturity debt securities. The update additionally applies to off-balance sheet exposures not accounted for as insurance (Loan commitments, standby letters of credit, financial guarantees and other similar instruments). In addition, CECL made changes to the accounting for available for sale securities. Once such change is to require credit losses to be presented as an allowance rather than as a write-down on available for sale debt securities that management does not intend to sell or believes that it is more likely than not they will be required to sell. As previously disclosed, the Company assembled a cross-functional working group that met regularly to oversee the implementation plan for CECL which included the assessment and documentation of the processes and internal controls, model development and documentation, assessing existing loan and loss data, assessing models for default and loss estimates and conducting parallel runs and reviews through January 1, 2022. The Company adopted CECL using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet (“OBS”) credit exposures. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with previous applicable GAAP. On the adoption date, the Company increased the allowance for credit losses on loans by $2.4 million and increased the allowance for credit losses for unfunded commitments by $2.3 million (included in Accrued expenses and other liabilities). The Company recorded a net decrease to undivided profits of $3.5 million, net of $1.2 million in deferred tax balances as of January 1, 2022 for the cumulative effect of adopting CECL. The Company did not record an allowance for credit losses as of January 1, 2022 on its securities available for sale or held to maturity. The impact of the January 1, 2022 adoption entry is summarized in the table below: (in thousands) December 31, 2021 Pre-CECL Adoption Impact of Adoption January 1, 2022 Post- CECL Adoption Assets: Allowance for credit losses on loans $ 44,267 2,353 $ 46,620 Allowance for credit losses on securities - - - Liabilities and shareholders’ equity: Other liabilities (ACL unfunded loan commitments) 18 2,335 2,353 Tax Effect, net - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits 349,056 (3,470 ) 345,586
Loans	Loans Loans that management has the intent and ability to hold for the near future or until maturity or payoff are reported at amortized cost net of allowance for credit losses on loans. Amortized cost is the principal balance outstanding, net of deferred loan fees and costs. Interest income is accrued on unpaid principal balances. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. Interest income of mortgage and commercial loans is discontinued and placed on nonaccrual status at the time the loan is 90 days delinquent unless the loan is well secured and in process of collection. Mortgage loans are charged off at 180 days past due and commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on nonaccrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on nonaccrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought to current and future payments are reasonably assured.
Accrued Interest Receivable	Accrued Interest Receivable The Company has made the following elections with regards to accrued interest receivable: the Company will continue to write off accrued interest receivable by reversing interest income; the Company has made the accounting policy election not to measure an allowance for credit losses for accrued interest receivables; and the Company elected to exclude accrued interest receivable balances from tabular disclosures and will present accrued interest receivable balances in other assets.
Allowance for Credit Losses on Loans	Allowance for Credit Losses on Loans The allowance for credit losses on loans (“ACLL”) is a valuation account that is deducted from or added to the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loan are charged off against the allowance when management believes the uncollectibility of the loan balance is confirmed. Expected recoveries are not to exceed the aggregate of amounts previously charged-off and expected to be charged-off. The Company has elected the Discounted Cash Flow (“DCF”) methodology to determine its ACLL. Management estimates the allowance for credit loss on loans balance using relevant available information from internal and external sources related to past events, current conditions, and a reasonable and supportable forecast provided by a third party. The Company lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. Historical credit loss experience provides the basis for the estimation of expected credit losses. Considerations are made for changes in underwriting standards, portfolio mix, delinquency levels, or economic conditions such as changes in the unemployment rates, property values, and gross metro product to make adjustments to historical loss information. Management judgment is required at each point in the measurement process. Management utilized the historical loss rate experience on its own loan portfolio as the initial basis of the estimate using probability of default (“PD”) and loss given defaults (“LGD”) derived from September 30, 2011 to January 1, 2022. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In situations involving a borrower filing for Chapter 13 bankruptcy protection, however, a loan is considered to be in payment default once it is 30 days contractually past due, consistent with the treatment by the bankruptcy court. Management utilizes externally developed economic forecasts (Moody’s forecast scenarios) of unemployment rates within the key metropolitan areas in New York and Florida of which we serve to forecast probability of defaults and loss given defaults within the model. Management has determined that a reasonable and supportable forecast is 8 quarters • Unemployment levels in relation to inflationary pressures; • Monetary and fiscal policy assumptions and movement of the federal funds rate in 2022; • Supply chain conditions and their impacts on Consumer Price indices (“CPI”), and • Inflationary pressures on housing, and Gross Metro Product (“GMP”). In determining the appropriate forecast to utilize, management considered the range of forecasted unemployment as well as a number of other economic indicators. Unemployment levels in the Baseline continued to be optimistic while not providing what management determined to be a full reflection of supply chain, workforce challenges, and inflationary pressures. The rising inflation, volatility in consumer confidence, supply chain, and workforce environment challenges, as well as monetary and geopolitical environmental considerations, drove management to elect the Stagflation forecast scenario. As of January 1, 2022, the Company has elected to utilize the Stagflation forecast scenario with 100% weighting, due to the forecast more appropriately considering inflationary pressures being observed currently and prospectively in the markets we serve. This scenario also takes into the account the relative impacts to unemployment, CPI, GMP and housing. The ACLL reserve is then complimented with qualitative factors based upon regulatory, competition, regional market conditions, legal, and technical environment. Other macroeconomic conditions such as GMP, CPI, and Housing prices and their related forecasts for the respective metropolitan regions of New York and Florida, were qualitatively factored into the calculation using the Stagflation forecast scenario over the 8 quarter The effective interest rate used to discount expected cash flows considered the timing of the expected cash flows resulting from prepayments that existed as of January 1, 2022. The prepayment-adjusted effective interest rate uses the original contractual rate and prepayment assumptions as of January 1, 2022. The Company determined a contractual term excluding expected extensions, renewals and modifications. Expected credit losses are estimated over the contractual term of the loans, adjusted for expected prepayments when appropriate. The Company determined its allowance for credit losses on loans using a pool of assets with similar risk characteristics. The company evaluates its risk characteristics based on regulatory call report codes where it was determined that the loans within the call codes were homogenous in nature and could be aggregated into the main categories for the Company portfolio. There were no changes to the loan pools under CECL for January 1, 2022 compared to previously disclosed loan segments. Loans that no longer match the risk profile of the pool are individually assessed for credit losses, which are commercial nonaccrual loans and loans identified as troubled debt restructuring (“TDR”). The individual assessment for credit impairment is generally based on a discounted cash flow approach unless the asset is collateral dependent. The loan is considered collateral dependent when repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. Collateral dependent loans are individually assessed and the expected credit loss is based on the fair value of the collateral. A loan for which terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties is considered a TDR. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the near future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. The TDR that subsequently defaulted described above have the underlying collateral evaluated at the time these loans were identified as TDRs, and a charge‑off was taken at that time, if necessary. Collateral values on these loans are reviewed for collateral sufficiency on a quarterly basis.
Allowance for Credit Losses on Off-Balance Sheet Credit Exposures	Allowance for Credit Losses on Off-Balance Sheet Credit Exposures The Company estimates credit losses over the contractual period in which the Company is exposed to credit risk via a contractual obligation to extend credit, unless that obligation is unconditionally cancellable by the Company. The allowance for credit losses on off-balance sheet credit exposures is adjusted as a provision for credit loss expense. The estimate includes consideration that funding will occur and an estimate of expected credit losses on commitments is expected to be funded over its estimated life. The Company lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. The following categories of off-balance sheet credit exposures have been identified: unfunded commitments to extend credit, unfunded lines of credit, residential mortgage pending closings and standby letters of credit. Each of these unfunded commitments is analyzed for a probability of funding to calculate a probable funding amount. The life of loan loss factor by related portfolio segment from the allowance for credit losses on loans calculation is then applied to the probable funding amount to calculate the estimated credit losses on off-balance sheet credit exposures recognized in other liabilities. The post adoption balance of $2.3 million is included with Accrued expenses and other liabilities on consolidated statements of financial condition. Prospective changes in the reserve will be recorded through the provision for credit losses on the consolidated statements of income.
Debt Securities	Debt Securities Debt securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available-for-sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. There were no debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2022. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are generally amortized on the level-yield method without anticipating prepayments. Premiums on callable debt securities are amortized to their earlier call date. Discounts are amortized to maturity date. Gains and losses are recorded on the trade date and determined using the specific identification method. A debt security is placed on nonaccrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against interest income. Timely principal and interest payments continue to be made on the securities. The unrealized losses in the portfolio are primarily attributable to changes in interest rates.
Allowance for Credit Losses - Held to Maturity and Available-For-Sale Securities	Allowance for Credit Losses – Held to Maturity Securities The Company’s held to maturity securities are issued by U.S. government entities and agencies such as Ginnie Mae, Fannie Mae, and Freddie Mac. These securities are either explicitly or implicitly guaranteed by the U.S. government and are highly rated by major rating agencies and have a long history of no credit losses. Management measures expected credit losses on held to maturity debt securities on a collective basis by major security type, issuer and payment stream. The estimate of expected credit losses considers historical credit loss information adjusted for current conditions and reasonable and supportable forecasts provided by a third party servicer. Based on the nature of the securities held by the Company and the underlying guarantees, there was no allowance for credit losses recorded for held to maturity securities as of January 1, 2022. Accrued interest receivable on held to maturity securities totaled $40 thousand and is excluded from the estimate of credit losses. Historically the Company has not experienced uncollectible accrued interest receivable on held-to-maturity securities portfolio. Allowance for Credit Losses – Available For Sale Securities For available for sale debit securities in an unrealized loss position, the entity first assesses whether it intends to sell, or if it is more likely that not that it will be required to sell the security before recovery of its amortized cost basis. If either criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For debt securities available for sale that do not meet the aforementioned criteria, in making this assessment, management considers the extent to which fair value is less than amortized cost, any changes to the rating of the security by a rating agency and any adverse conditions specifically related to the security and its issuer, among other factors. If the present value of the cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recorded through other comprehensive income. Change in the allowance for credit losses is recorded as a provision for credit loss expense. Losses are charged against the allowance when management believes the uncollectibility of an available for sale security is confirmed or when either criteria regarding the intent or requirement to sell is met. The unrealized losses reported pertaining to securities issued by the U.S. government and its sponsored entities, include agencies, and mortgage backed securities issued by Ginnie Mae, Fannie Mae, and Freddie Mac, which are currently well rated and guaranteed by the U.S. government. The Company does not intend to sell the securities, and it is not considered likely the Company will be required to sell these securities prior to recovery of the amortized cost. Timely principal and interest payments continue to be made on the securities. The unrealized losses in the portfolio are primarily attributable to changes in interest rates. Management does not believe any individual unrealized loss as of January 1, 2022 represents any credit loss and no realized losses have been recognized into provision for credit loss.

Financial Statement Presentat_3

Financial Statement Presentation (Tables)	3 Months Ended
	Mar. 31, 2022
Financial Statement Presentation [Abstract]
Impact of Financial Instruments - Credit Losses Adoption	The impact of the January 1, 2022 adoption entry is summarized in the table below: (in thousands) December 31, 2021 Pre-CECL Adoption Impact of Adoption January 1, 2022 Post- CECL Adoption Assets: Allowance for credit losses on loans $ 44,267 2,353 $ 46,620 Allowance for credit losses on securities - - - Liabilities and shareholders’ equity: Other liabilities (ACL unfunded loan commitments) 18 2,335 2,353 Tax Effect, net - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits 349,056 (3,470 ) 345,586

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Reconciliation of Earnings Per Share	A reconciliation of the component parts of earnings per share for the three months ended March 31, 2022 and 2021 is as follows: (in thousands, except per share data) For the three months ended March 31 2022 2021 Net income $ 17,089 14,083 Weighted average common shares (1) 19,209 19,287 Stock Options (1) 1 6 Weighted average common shares including potential dilutive shares (1) 19,210 19,293 Basic EPS (1) $ 0.890 0.730 Diluted EPS (1) $ 0.890 0.730 (1) S hare and per share amounts have been adjusted for all periods presented for the 1 for 5 which occurred on May 28, 2021.

Benefit Plans (Tables)

Benefit Plans (Tables)	3 Months Ended
	Mar. 31, 2022
Benefit Plans [Abstract]
Net Periodic Benefit	The table below outlines the components of the Company’s net periodic benefit recognized during the three months ended March 31, 2022 and 2021 for its pension and other postretirement benefit plans: Three March 31 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2022 2021 2022 2021 Service cost $ - 11 18 22 Interest cost 223 216 52 44 Expected return on plan assets (817 ) (761 ) (333 ) (327 ) Amortization of net gain - - (78 ) (228 ) Amortization of prior service credit - - (280 ) (52 ) Net periodic benefit $ (594 ) (534 ) (621 ) (541 )

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Investment Securities [Abstract]
Amortized Cost and Fair Value of Securities Available For Sale	The amortized cost and fair value of the securities available for sale are as follows: March 31 2022 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 64,978 - 2,919 62,059 State and political subdivisions 41 - - 41 Mortgage backed securities and collateralized mortgage obligations - residential 257,248 80 13,283 244,045 Corporate bonds 76,086 49 2,046 74,089 Small Business Administration - guaranteed participation securities 29,181 - 1,095 28,086 Other 686 - 15 671 Total Securities Available for Sale $ 428,220 129 19,358 408,991 December 31, 2021 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 59,976 - 797 59,179 State and political subdivisions 41 - - 41 Mortgage backed securities and collateralized mortgage obligations - residential 269,907 3,367 2,476 270,798 Corporate bonds 45,805 157 625 45,337 Small Business Administration - guaranteed participation securities 31,303 371 - 31,674 Other 685 - 1 684 Total securities available for sale $ 407,717 3,895 3,899 407,713
Securities, Available-for-sale and Held-to-maturity [Abstract]
Proceeds from Sales and Calls of Securities Available For Sale, Gross Realized Gains and Gross Realized Losses	The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three months ended March 31, 2022 and 2021 are as follows: Three months ended March 31, (dollars in thousands) 2022 2021 Proceeds from sales $ - - Proceeds from calls/paydowns 17,923 36,820 Proceeds from maturities 5,000 55 Gross realized gains - - Gross realized losses - -
Amortized Cost and Fair Value of Held to Maturity Securities	The amortized cost and fair value of the held to maturity securities are as follows: March 31 2022 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,183 383 16 9,550 Total held to maturity $ 9,183 383 16 9,550 December 31, 2021 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,923 773 1 10,695 Total held to maturity $ 9,923 773 1 10,695
Securities Available for Sale [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table distributes the debt securities included in the available for sale portfolio as of March 31, 2022 based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are presented separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 10,071 10,120 Due in one year through five years 131,720 126,740 Due after five years through ten years - - Mortgage backed securities and collateralized mortgage obligations - residential 257,248 244,045 Small Business Administration - guaranteed participation securities 29,181 28,086 $ 428,220 408,991
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: March 31 2022 Less than 12 months 12 months or more Total (dollars in thousands) Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 23,723 1,264 38,336 1,655 62,059 2,919 Mortgage backed securities and collateralized mortgage obligations - residential 160,318 5,999 73,797 7,284 234,115 13,283 Corporate bonds 49,993 1,115 14,070 931 64,063 2,046 Small Business Administration - guaranteed participation securities 28,086 1,095 - - 28,086 1,095 Other 585 15 - - 585 15 Total $ 262,705 9,488 126,203 9,870 388,908 19,358 December 31, 2021 Less than 12 months 12 months or more Total (dollars in thousands) Fair Value Gross Unrealized Loss Fair Value Gross Unrealized Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 49,279 697 9,900 100 59,179 797 Mortgage backed securities and collateralized mortgage obligations - residential 93,447 1,888 22,098 588 115,545 2,476 Corporate bonds 15,670 171 14,546 454 30,216 625 Other 648 1 - - 648 1 Total $ 159,044 2,757 46,544 1,142 205,588 3,899
Held to Maturity Securities [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table distributes the debt securities included in the held to maturity portfolio as of March 31, 2022, based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 9,183 9,550 $ 9,183 9,550

Loan Portfolio and Allowance _2

Loan Portfolio and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2022
Loan Portfolio and Allowance for Credit Losses [Abstract]
Recorded Investment in Loans by Portfolio Segment	The Following table presents loans by portfolio segment: March 31, 2022 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 147,295 23,935 171,230 Other 20,198 980 21,178 Real estate mortgage - 1 to 4 family: First mortgages 2,729,257 1,236,705 3,965,962 Home equity loans 47,043 13,429 60,472 Home equity lines of credit 172,854 63,263 236,117 Installment 7,269 2,126 9,395 Total loans, net $ 3,123,916 1,340,438 4,464,354 Less: Allowance for credit losses on loans 46,178 Net loans $ 4,418,176 The Following table presents the recorded investment in loans by portfolio segment: December 31, 2021 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 147,063 21,653 168,716 Other 30,889 595 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,723,734 1,212,568 3,936,302 Home equity loans 48,190 13,695 61,885 Home equity lines of credit 175,134 55,842 230,976 Installment 7,368 2,048 9,416 Total loans, net $ 3,132,378 1,306,401 4,438,779 Less: Allowance for loan losses 44,267 Net loans $ 4,394,512
Impact of Adoption in Allowance for Credit Losses by Portfolio Segment	The following table presents the impact of the January 1, 2022 adoption entry in the allowance for credit losses on loans by loan type: (dollars in thousands) December 31, 2021 January 1, Pre-Adoption Balance Impact of Adoption Post CECL Adoption Total Total Commercial: Commercial real estate $ 3,121 $ (1,100 ) $ 2,021 Other 14 114 128 Real estate mortgage - 1 to 4 family: First mortgages 37,249 1,703 38,952 Home equity loans 583 262 845 Home equity lines of credit 2,857 1,752 4,609 Installment 443 (378 ) 65 Total Allowance $ 44,267 2,353 $ 46,620
Activity in Allowance For Credit Losses on Loans by Portfolio Segment	Activity in the allowance for credit losses on loans by portfolio segment is summarized as follows: For the three months ended March 31, 2022 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 3,135 40,689 443 44,267 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January 1, 2022 as adjusted for ASU 2016-13 $ 2,149 44,406 65 46,620 Loans charged off: New York and other states* 36 - 10 46 Florida - - 1 1 Total loan chargeoffs 36 - 11 47 Recoveries of loans previously charged off: New York and other states* - 97 8 105 Florida - - - - Total recoveries - 97 8 105 Net loans charged off (recoveries) 36 (97 ) 3 (58 ) (Credit) provision for credit losses 64 (572 ) 8 (500 ) Balance at end of period $ 2,177 43,931 70 46,178 Activity in the allowance for loan losses for the three months ended March 31, 2021 was as follows: For the three months ended March 31 2021 (dollars in thousands) Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,140 44,950 505 49,595 Loans charged off: New York and other states* - 86 7 93 Florida - - 2 2 Total loan chargeoffs - 86 9 95 Recoveries of loans previously charged off: New York and other states* 32 88 21 141 Florida - - - - Total recoveries 32 88 21 141 Net loans (recoveries) charged off (32 ) (2 ) (12 ) (46 ) (Credit) provision for loan losses (120 ) 555 (85 ) 350 Balance at end of period $ 4,052 45,507 432 49,991 * Includes New York, New Jersey, Vermont and Massachusetts.
Allowance for Credit Losses on Unfunded Commitments	The Company’s activity in the allowance for credit losses on unfunded commitments for the three months ended March 31, 2022 was as follows: (In thousands) Total Balance at January 1, 2022 $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January 1, 2022 2,353 Provision for credit losses 300 Balance at March 31, 2022 $ 2,653
Risk Category Loans by Class of Loans	As of March 31, 2022, and based on the most recent analysis performed, the risk category of loans by class of loans, and gross chargeoffs for each loan type by origination year was as follows: (in thousands) March 31, 2022 Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Commercial : Risk rating Pass $ 10,701 $ 32,756 $ 24,411 $ 26,575 $ 20,900 $ 46,493 $ 7,424 $ - $ 169,260 Special Mention - - 73 - 255 - - - 328 Substandard - - 118 - 140 1,384 - - 1,642 Total Commercial Loans $ 10,701 $ 32,756 $ 24,602 $ 26,575 $ 21,295 $ 47,877 $ 7,424 $ - $ 171,230 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 36 $ - $ - $ 36 $ - $ - $ - $ - $ - $ 36 $ - $ - $ 36 Commercial Other: Risk rating Pass $ 419 $ 5,931 $ 3,301 $ 786 $ 956 $ 2,634 $ 6,705 $ - $ 20,732 Special mention - 320 - - - - - - 320 Substandard - 25 - - - 101 - - 126 Total Commercial Real Estate Loans $ 419 $ 6,276 $ 3,301 $ 786 $ 956 $ 2,735 $ 6,705 $ - $ 21,178 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 142,158 $ 971,838 $ 834,631 $ 392,717 $ 279,365 $ 1,328,713 $ 545 $ - $ 3,949,967 Nonperforming - - 83 671 422 14,819 - - 15,995 Total First Mortgage: $ 142,158 $ 971,838 $ 834,714 $ 393,388 $ 279,787 $ 1,343,532 $ 545 $ - $ 3,965,962 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines: Risk rating Performing $ 2,414 $ 10,463 $ 7,431 $ 8,589 $ 5,943 $ 25,324 $ - $ - $ 60,164 Nonperforming - - - - 135 173 - - 308 Total Home Equity Lines: $ 2,414 $ 10,463 $ 7,431 $ 8,589 $ 6,078 $ 25,497 $ - $ - $ 60,472 Home Equity Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Credit Lines: Risk rating Performing $ 221 $ 721 $ 492 $ 100 $ 70 $ 19,850 $ 211,792 $ - $ 233,246 Nonperforming - - - - - 2,603 268 - 2,871 Total Home Equity Credit Lines: $ 221 $ 721 $ 492 $ 100 $ 70 $ 22,453 $ 212,060 $ - $ 236,117 Home Equity Credit Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Installments: Risk rating Performing $ 937 $ 3,409 $ 1,326 $ 1,471 $ 686 $ 375 $ 1,150 $ - $ 9,354 Nonperforming - 12 1 27 - - 1 - 41 Total Installments $ 937 $ 3,421 $ 1,327 $ 1,498 $ 686 $ 375 $ 1,151 $ - $ 9,395 Installments Loans: Current-period Gross writeoffs $ - $ - $ 5 $ 5 $ - $ 1 $ - $ - 11 $ - $ - $ 5 $ 5 $ - $ 1 $ - $ - $ 11 As of December 31, 2021 the risk category of loans by class of loans is as follows: December 31, 2021 New York and other states*: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 145,500 1,563 147,063 Other 30,726 163 30,889 $ 176,226 1,726 177,952 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 21,113 540 21,653 Other 595 - 595 $ 21,708 540 22,248 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 166,613 2,103 168,716 Other 31,321 163 31,484 $ 197,934 2,266 200,200 * Includes New York, New Jersey and Massachusetts.
Aging of Recorded Investment in Past Due Loans by Loan Class and by Region	The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2022: March 31 2022 New York and other states*: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 106 123 229 147,066 147,295 Other 27 - 4 31 20,167 20,198 Real estate mortgage - 1 to 4 family: First mortgages 2,114 1,209 9,562 12,885 2,716,372 2,729,257 Home equity loans 19 - 173 192 46,851 47,043 Home equity lines of credit 727 25 1,187 1,939 170,915 172,854 Installment 36 24 14 74 7,195 7,269 Total $ 2,923 1,364 11,063 15,350 3,108,566 3,123,916 Florida: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - - - - 23,935 23,935 Other - - - - 980 980 Real estate mortgage - 1 to 4 family: First mortgages 623 - 1,552 2,175 1,234,530 1,236,705 Home equity loans - - 44 44 13,385 13,429 Home equity lines of credit - 89 - 89 63,174 63,263 Installment - 1 - 1 2,125 2,126 Total $ 623 90 1,596 2,309 1,338,129 1,340,438 Total: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 106 123 229 171,001 171,230 Other 27 - 4 31 21,147 21,178 Real estate mortgage - 1 to 4 family: First mortgages 2,737 1,209 11,114 15,060 3,950,902 3,965,962 Home equity loans 19 - 217 236 60,236 60,472 Home equity lines of credit 727 114 1,187 2,028 234,089 236,117 Installment 36 25 14 75 9,320 9,395 Total $ 3,546 1,454 12,659 17,659 4,446,695 4,464,354 * Includes New York, New Jersey, Vermont and Massachusetts. The Following table presents the summary of past due loans by portfolio segment: December 31, 2021 New York and other states*: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 233 45 278 146,785 147,063 Other - - - - 30,889 30,889 Real estate mortgage - 1 to 4 family: First mortgages 1,303 239 9,867 11,409 2,712,325 2,723,734 Home equity loans 136 - 224 360 47,830 48,190 Home equity lines of credit 355 458 911 1,724 173,410 175,134 Installment 27 5 4 36 7,332 7,368 Total $ 1,821 935 11,051 13,807 3,118,571 3,132,378 Florida: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - - - - 21,653 21,653 Other - - - - 595 595 Real estate mortgage - 1 to 4 family: First mortgages 869 180 1,146 2,195 1,210,373 1,212,568 Home equity loans - 45 - 45 13,650 13,695 Home equity lines of credit - 89 - 89 55,753 55,842 Installment 18 - 5 23 2,025 2,048 Total $ 887 314 1,151 2,352 1,304,049 1,306,401 Total: (dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans Commercial: Commercial real estate $ - 233 45 278 168,438 168,716 Other - - - - 31,484 31,484 Real estate mortgage - 1 to 4 family: First mortgages 2,172 419 11,013 13,604 3,922,698 3,936,302 Home equity loans 136 45 224 405 61,480 61,885 Home equity lines of credit 355 547 911 1,813 229,163 230,976 Installment 45 5 9 59 9,357 9,416 Total $ 2,708 1,249 12,202 16,159 4,422,620 4,438,779 * Includes New York, New Jersey, Vermont and Massachusetts.
Recorded Investment in Non-Accrual Loans by Loan Class	The following table presents the amortized cost basis in non-accrual loans by portfolio segment: March 31 2022 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 183 - 183 Other 4 - 4 Real estate mortgage - 1 to 4 family: First mortgages 14,102 1,893 15,995 Home equity loans 264 44 308 Home equity lines of credit 2,699 172 2,871 Installment 33 8 41 Total non-accrual loans 17,285 2,117 19,402 Restructured real estate mortgages - 1 to 4 family 16 - 16 Total nonperforming loans $ 17,301 2,117 19,418 The Following table presents the non-accrual loans by portfolio segment: December 31, 2021 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 67 - 67 Other 45 - 45 Real estate mortgage - 1 to 4 family: First mortgages 13,990 1,797 15,787 Home equity loans 247 45 292 Home equity lines of credit 2,337 174 2,511 Installment 23 14 37 Total non-accrual loans 16,709 2,030 18,739 Restructured real estate mortgages - 1 to 4 family 17 - 17 Total nonperforming loans $ 16,726 2,030 18,756 * Includes New York, New Jersey, Vermont and Massachusetts.
Loans on Non-Accrual Status and Past Due More than 90 Days	The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2022: March 31, 2022 (dollars in thousands) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance For Credit Loss Loans Past Due Over 89 Days Commercial: Commercial real estate $ 61 $ 123 $ - Other - 4 - Real estate mortgage - 1 to 4 family: First mortgages 6,762 9,233 - Home equity loans 37 271 - Home equity lines of credit 1,030 1,841 - Installment - 41 - Total loans, net $ 7,890 $ 11,513 $ -
Allowance For Loan Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method	The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2022: March 31 2022 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for credit losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,177 43,931 70 46,178 Total ending allowance balance $ 2,177 43,931 70 46,178 Loans: Individually evaluated for impairment $ 305 17,617 - 17,922 Collectively evaluated for impairment 192,103 4,244,934 9,395 4,446,432 Total ending loans balance $ 192,408 4,262,551 9,395 4,464,354 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2021: December 31, 2021 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 3,135 40,689 443 44,267 Total ending allowance balance $ 3,135 40,689 443 44,267 Loans: Individually evaluated for impairment $ 232 18,272 - 18,504 Collectively evaluated for impairment 199,968 4,210,891 9,416 4,420,275 Total ending loans balance $ 200,200 4,229,163 9,416 4,438,779
Amortized Cost of Collateral-dependent Loans by Class	The following table presents the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2022: Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 301 - - Other 4 - - Real estate mortgage - 1 to 4 family: First mortgages 15,417 - - Home equity loans 159 - - Home equity lines of credit 2,041 - - Installment - - - Total Loans $ 17,922 - -
Impaired Loans by Loan Class	The following table presents impaired loans by loan class as of December 31, 2021: December 31, 2021 New York and other states*: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,154 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 13,687 13,875 - 14,072 Home equity loans 161 161 - 235 Home equity lines of credit 1,852 1,939 - 2,256 Total $ 15,932 16,299 - 17,824 Florida: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ - - - 105 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 2,368 2,368 - 2,562 Home equity loans - - - 16 Home equity lines of credit 204 204 - 246 Total $ 2,572 2,572 - 2,929 Total: (dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance YTD Avg Recorded Investment Commercial: Commercial real estate $ 187 279 - 1,259 Other 45 45 - 107 Real estate mortgage - 1 to 4 family: First mortgages 16,055 16,243 - 16,634 Home equity loans 161 161 - 251 Home equity lines of credit 2,056 2,143 - 2,502 Total $ 18,504 18,871 - 20,753 * Includes New York, New Jersey, Vermont and Massachusetts.
Modified Loans by Class that were Determined to be TDR's	The following table presents, by class, loans that were modified as TDR’s: Three months ended March 31, 2022 New York and other states*: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans 3 370 370 Home equity lines of credit - - - Total 3 $ 370 370 Florida: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans - - - Home equity lines of credit - - - Total - $ - - * Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
Fair Value of Financial Instruments [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at March 31 2022 (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) U.S. government sponsored enterprises $ 62,059 $ - $ 62,059 $ - State and political subdivisions 41 - 41 - Mortgage backed securities and collateralized mortgage obligations - residential 244,045 - 244,045 - Corporate bonds 74,089 - 74,089 - Small Business Administration- guaranteed participation securities 28,086 - 28,086 - Other securities 671 - 671 - Total securities available for sale $ 408,991 $ - $ 408,991 $ - Fair Value Measurements at December 31, 2021 (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 59,179 $ - $ 59,179 $ - State and political subdivisions 41 - 41 - Mortgage backed securities and collateralized mortgage obligations - residential 270,798 - 270,798 - Corporate bonds 45,337 - 45,337 - Small Business Administration- guaranteed participation securities 31,674 - 31,674 - Other securities 684 - 684 - Total securities available for sale $ 407,713 $ - $ 407,713 $ -
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at March 31, 2022 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 269 $ - $ - $ 269 Sales comparison approach Adjustments for differences between comparable sales 1% - 20% (7 %) Loans individually evaluated - - - - Sales comparison Adjustments for differences between comparable sales N/A Fair Value Measurements at December 31, 2021 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 362 $ - $ - $ 362 Sales comparison approach Adjustments for differences between comparable sales 1% - 14% (6 %) Impaired loans: Real estate mortgage -1 to 4 family - - - - Sales comparison Adjustments for differences between comparable sales
Carrying Amounts and Estimated Fair Values of Financial Instruments	The : (dollars in thousands) Fair Value Measurements at Carrying March 31 2022 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,272,548 1,272,548 - - 1,272,548 Securities available for sale 408,991 - 408,991 - 408,991 Held to maturity securities 9,183 - 9,550 - 9,550 Federal Home Loan Bank stock 5,604 N/A N/A N/A N/A Net loans 4,418,176 - - 4,443,718 4,443,718 Accrued interest receivable 8,897 107 1,073 7,717 8,897 Financial liabilities: Demand deposits 835,281 835,281 - - 835,281 Interest bearing deposits 4,514,735 3,574,520 933,385 - 4,507,905 Short-term borrowings 248,371 - 248,371 - 248,371 Accrued interest payable 131 36 95 - 131 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2021 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 1,219,470 1,219,470 - - 1,219,470 Securities available for sale 407,713 - 407,713 - 407,713 Held to maturity securities 9,923 - 10,695 - 10,695 Federal Reserve Bank and Federal Home Loan Bank stock 5,604 N/A N/A N/A N/A Net loans 4,394,512 - - 4,451,031 4,451,031 Accrued interest receivable 9,099 10 1,235 7,854 9,099 Financial liabilities: Demand deposits 794,878 794,878 - - 794,878 Interest bearing deposits 4,473,251 3,477,937 993,676 - 4,471,613 Short-term borrowings 244,686 - 244,686 - 244,686 Accrued interest payable 163 34 129 - 163

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax	The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: Three months ended March 31, 2022 (dollars in thousands) Balance at 12/31/2021 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- Three months ended 3/31/2022 Balance at 3/31/2022 Net unrealized holding loss on securities available for sale, net of tax $ (26 ) (14,251 ) - (14,251 ) (14,277 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 - - - 13,706 Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (1,533 ) - (265 ) (265 ) (1,798 ) Accumulated other comprehensive (loss) income, net of tax $ 12,147 (14,251 ) (265 ) (14,516 ) (2,369 ) Three months ended March 31, 2021 (dollars in thousands) Balance at 12/31/2020 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- Three months ended 3/31/2021 Balance at 3/31/2021 Net unrealized holding loss on securities available for sale, net of tax $ 7,186 (4,461 ) - (4,461 ) 2,725 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 - - - 6,084 Net change in net actuarial (gain) loss and prior service credit on pension and postretirement benefit plans, net of tax (1,334 ) - (207 ) (207 ) (1,541 ) Accumulated other comprehensive income (loss), net of tax $ 11,936 (4,461 ) (207 ) (4,668 ) 7,268
Reclassifications out of Accumulated Other Comprehensive Income (Loss)	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three months ended March 31, 2022 and 2021: (dollars in thousands) Three months ended March 31 2022 2021 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 78 228 Salaries and employee benefits Amortization of prior service (cost) credit 280 52 Salaries and employee benefits Income tax benefit (93 ) (73 ) Income taxes Net of tax 265 207 Total reclassifications, net of tax $ 265 207

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Mar. 31, 2022
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the three months ended March 31, 2022 and 2021. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended March 31 2022 2021 Non-interest income Service Charges on Deposits Overdraft fees $ 646 617 Other 790 469 Interchange Income 1,702 1,153 Wealth management fees 1,833 2,035 Other (a) 212 154 Total non-interest income $ 5,183 4,428 (a) Not within the scope of ASC 606.

Operating Leases (Tables)

Operating Leases (Tables)	3 Months Ended
	Mar. 31, 2022
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) Three months ended March 31 2022 2021 Operating lease cost $ 2,052 2,016 Variable lease cost 596 502 Total Lease costs $ 2,648 2,518
Supplemental Cash Flows Information	(dollars in thousands) Three months ended March 31 2022 2021 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,093 2,038 Right-of-use assets obtained in exchange for lease obligations: 2,087 302 Weighted average remaining lease term 9.3 8.9 Weighted average discount rate 2.96 % 3.16 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of March 31, 2022 were as follows: Year ending December 31 2022 (a) $ 6,211 2023 8,134 2024 8,012 2025 7,603 2026 6,627 Thereafter 24,435 Total lease payments $ 61,022 Less: Interest 7,928 Present value of lease liabilities $ 53,094 (a) Excluding the three months ended March 31, 2022.

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	3 Months Ended
	Mar. 31, 2022
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank and the Company reported the following capital ratios as of and : (Bank Only) Minimum for Capital Adequacy plus Capital Conservation As of March 31, 2022 Well (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 575,895 9.286 % 5.000 % 4.000 % Common equity tier 1 capital 575,895 18.743 6.500 7.000 Tier 1 risk-based capital 575,895 18.743 8.000 8.500 Total risk-based capital 614,433 19.997 10.000 10.500 As of December 31, 2021 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio 570,594 9.324 % 5.000 % 4.000 % Common equity tier 1 capital 570,594 18.954 6.500 7.000 Tier 1 risk-based capital 570,594 18.954 8.000 8.500 Total risk-based capital 608,308 20.206 10.000 10.500 (Consolidated) As of March 31, 2022 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 594,711 9.585 % 4.000 % Common equity tier 1 capital $ 594,711 19.349 7.000 Tier 1 risk-based capital $ 594,711 19.349 8.500 Total risk-based capital $ 633,260 20.603 10.500 As of December 31, 2021 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 588,427 9.614 % 4.000 % Common equity Tier 1 capital 588,427 19.541 7.000 Tier 1 risk-based capital 588,427 19.541 8.500 Total risk-based capital 626,150 20.794 10.500 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The March 31, 2022 and December 31, 2021 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer o

Financial Statement Presentat_4

Financial Statement Presentation, Recently Adopted Accounting Standards (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Recently Adopted Accounting Standards [Abstract]
Allowance for credit losses on securities available for sale	$ 0
Allowance for credit losses on securities held to maturity	0
Assets [Abstract]
Allowance for credit losses on loans	46,178
Liabilities and Shareholders' Equity [Abstract]
Undivided Profits	355,948	$ 349,056
Pre-CECL Adoption [Member]
Assets [Abstract]
Allowance for credit losses on loans		44,267
Allowance for credit losses on securities		0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net		0
Total		44,285
Undivided Profits		349,056
Unfunded Loan Commitment [Member]
Assets [Abstract]
Allowance for credit losses on loans	$ 2,653	18
Unfunded Loan Commitment [Member] | Pre-CECL Adoption [Member]
Liabilities and Shareholders' Equity [Abstract]
Other liabilities (ACL unfunded loan commitments)		18
ASU 2016-13 [Member]
Assets [Abstract]
Allowance for credit losses on loans		46,620
Allowance for credit losses on securities		0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net		0
Total		48,973
Undivided Profits		345,586
ASU 2016-13 [Member] | Impact of Adoption [Member]
Assets [Abstract]
Allowance for credit losses on loans		2,353
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Assets [Abstract]
Allowance for credit losses on loans		2,353
Liabilities and Shareholders' Equity [Abstract]
Other liabilities (ACL unfunded loan commitments)		2,353
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member] | Impact of Adoption [Member]
Assets [Abstract]
Allowance for credit losses on loans		2,335
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Recently Adopted Accounting Standards [Abstract]
Allowance for credit losses on securities available for sale		0
Allowance for credit losses on securities held to maturity		0
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Impact of Adoption [Member]
Assets [Abstract]
Allowance for credit losses on loans		2,353
Allowance for credit losses on securities		0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net		(1,218)
Total		3,470
Undivided Profits		(3,470)
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Unfunded Loan Commitment [Member] | Impact of Adoption [Member]
Liabilities and Shareholders' Equity [Abstract]
Other liabilities (ACL unfunded loan commitments)		$ 2,335

Financial Statement Presentat_5

Financial Statement Presentation, Loans (Details)	3 Months Ended
	Mar. 31, 2022
Loans [Abstract]
Non-payment period of loans moved to non-accrual status	90 days
Mortgage loans charge off period	180 days

Financial Statement Presentat_6

Financial Statement Presentation, Allowance for Credit Losses on Loans (Details)	3 Months Ended
	Mar. 31, 2022Scenario
Allowance for Credit Losses on Loans [Abstract]
Number of days past due when loans are considered to be in payment default	90 days
Contractual past due period for loans to be in payment default	30 days
Period considered for reasonable and supportable forecast	24 months
Number of economic scenarios evaluated by management	2
Percentage of weighting utilized in stagflation scenario	100.00%
Deferral period of chapter 13 bankruptcies	60 months

Financial Statement Presentat_7

Financial Statement Presentation, Allowance for Credit losses on Off-Balance Sheet Credit Exposures (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Allowance for Credit losses on Off-Balance Sheet Credit Exposures [Abstract]
Allowance for credit losses on loans	$ 46,178
ASU 2016-13 [Member]
Allowance for Credit losses on Off-Balance Sheet Credit Exposures [Abstract]
Allowance for credit losses on loans		$ 46,620
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Other Liabilities and Accrued Expenses [Member]
Allowance for Credit losses on Off-Balance Sheet Credit Exposures [Abstract]
Allowance for credit losses on loans		$ 2,300

Financial Statement Presentat_8

Financial Statement Presentation, Debt Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Mar. 31, 2022
Financial Statement Presentation [Abstract]
Other-than-temporary impairment on debt securities	$ 0
Threshold period to place debt security on nonaccrual status		90 days

Financial Statement Presentat_9

Financial Statement Presentation, Allowance for Credit Losses - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Allowance for Credit Losses - Held to Maturity Securities [Abstract]
Allowance for credit losses on securities held to maturity	$ 0
Accrued interest receivable on held to maturity securities	$ 40
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Allowance for Credit Losses - Held to Maturity Securities [Abstract]
Allowance for credit losses on securities held to maturity		$ 0

Earnings Per Share (Details)

Earnings Per Share (Details) $ / shares in Units, shares in Thousands, $ in Thousands		May 28, 2021	Mar. 31, 2022USD ($)$ / sharesshares	Mar. 31, 2021USD ($)$ / sharesshares
Reconciliation of the component parts of earnings per share [Abstract]
Net income | $			$ 17,089	$ 14,083
Weighted average common shares (in shares)	[1]		19,209	19,287
Stock Options (in shares)	[1]		1	6
Weighted average common shares including potential dilutive shares (in shares)	[1]		19,210	19,293
Basic EPS (in dollars per share) | $ / shares	[1],[2]		$ 0.890	$ 0.730
Diluted EPS (in dollars per share) | $ / shares	[1],[2]		$ 0.890	$ 0.730
Reverse stock split ratio		0.2
Stock Options [Member]
Antidilutive Securities [Abstract]
Number of anti-dilutive stock options excluded from diluted earnings per share (in shares)			60	60
[1]	S hare and per share amounts have been adjusted for all periods presented for the 1 for 5 which occurred on May 28, 2021.
[2]	All periods presented have been adjusted for the 1 for 5

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Components of net periodic benefit cost [Abstract]
Contribution made to pension and postretirement plans	$ 0
Pension Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	0	$ 11
Interest cost	223	216
Expected return on plan assets	(817)	(761)
Amortization of net gain	0	0
Amortization of prior service credit	0	0
Net periodic benefit	(594)	(534)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	18	22
Interest cost	52	44
Expected return on plan assets	(333)	(327)
Amortization of net gain	(78)	(228)
Amortization of prior service credit	(280)	(52)
Net periodic benefit	$ (621)	$ (541)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 428,220	$ 407,717
Gross Unrealized Gains	129	3,895
Gross Unrealized Losses	19,358	3,899
Fair Value	408,991	407,713
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	64,978	59,976
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,919	797
Fair Value	62,059	59,179
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	41	41
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	41	41
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	257,248	269,907
Gross Unrealized Gains	80	3,367
Gross Unrealized Losses	13,283	2,476
Fair Value	244,045	270,798
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	76,086	45,805
Gross Unrealized Gains	49	157
Gross Unrealized Losses	2,046	625
Fair Value	74,089	45,337
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	29,181	31,303
Gross Unrealized Gains	0	371
Gross Unrealized Losses	1,095	0
Fair Value	28,086	31,674
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	686	685
Gross Unrealized Gains	0	0
Gross Unrealized Losses	15	1
Fair Value	$ 671	$ 684

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost [Abstract]
Due in one year or less	$ 10,071
Due in one year through five years	131,720
Due after five years through ten years	0
Amortized Cost	428,220	$ 407,717
Fair Value [Abstract]
Due in one year or less	10,120
Due in one year through five years	126,740
Due after five years through ten years	0
Fair Value	408,991	407,713
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	257,248
Amortized Cost	257,248	269,907
Fair Value [Abstract]
Securities, fair value	244,045
Fair Value	244,045	270,798
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	29,181
Amortized Cost	29,181	31,303
Fair Value [Abstract]
Securities, fair value	28,086
Fair Value	$ 28,086	$ 31,674

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 262,705	$ 159,044
12 months or more - Fair Value	126,203	46,544
Total - Fair Value	388,908	205,588
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	9,488	2,757
12 months or more - Gross Unrealized Loss	9,870	1,142
Total - Gross Unrealized Loss	19,358	3,899
Available-for-sale, allowance for credit loss	0
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	23,723	49,279
12 months or more - Fair Value	38,336	9,900
Total - Fair Value	62,059	59,179
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,264	697
12 months or more - Gross Unrealized Loss	1,655	100
Total - Gross Unrealized Loss	2,919	797
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	160,318	93,447
12 months or more - Fair Value	73,797	22,098
Total - Fair Value	234,115	115,545
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	5,999	1,888
12 months or more - Gross Unrealized Loss	7,284	588
Total - Gross Unrealized Loss	13,283	2,476
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	49,993	15,670
12 months or more - Fair Value	14,070	14,546
Total - Fair Value	64,063	30,216
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,115	171
12 months or more - Gross Unrealized Loss	931	454
Total - Gross Unrealized Loss	2,046	625
Small Business Administration-Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	28,086
12 months or more - Fair Value	0
Total - Fair Value	28,086
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,095
12 months or more - Gross Unrealized Loss	0
Total - Gross Unrealized Loss	1,095
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	585	648
12 months or more - Fair Value	0	0
Total - Fair Value	585	648
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	15	1
12 months or more - Gross Unrealized Loss	0	0
Total - Gross Unrealized Loss	$ 15	$ 1

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0
Proceeds from calls/paydowns	17,923	36,820
Proceeds from maturities	5,000	55
Gross realized gains	0	0
Gross realized losses	$ 0	$ 0

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 9,183	$ 9,923
Gross Unrecognized Gains	383	773
Gross Unrecognized Losses	16	1
Fair Value	9,550	10,695
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	9,183	9,923
Gross Unrecognized Gains	383	773
Gross Unrecognized Losses	16	1
Fair Value	$ 9,550	$ 10,695

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost [Abstract]
Amortized Cost	$ 9,183		$ 9,923
Fair Value [Abstract]
Fair Value	9,550		10,695
Held-to-maturity, Continuous Unrealized Loss Position, Fair Value [Abstract]
Held to maturity securities fair value	2,600			$ 442
Held to maturity securities in unrecognized loss of less than 12 months	16		1
Sales and transfers of held to maturity securities	0	$ 0
Held-to-maturity, allowance for credit loss	0
Held to maturity securities on non-accrual status	0
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	9,183
Amortized Cost	9,183		9,923
Fair Value [Abstract]
Securities, fair value	9,550
Fair Value	$ 9,550		$ 10,695

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans by Loan Class (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable [Abstract]
Total loans		$ 4,464,354
Less: Allowance for credit losses on loans		46,178
Net loans		4,418,176
Total loans, net			$ 4,438,779
Less: Allowance for credit losses on loans			44,267	$ 49,991	$ 49,595
Net loans			4,394,512
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	3,123,916
Total loans, net	[1]		3,132,378
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,340,438
Total loans, net			1,306,401
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		30,400	37,300
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans		10,500	17,900
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans		19,900	19,400
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans		192,408
Less: Allowance for credit losses on loans		2,177
Total loans, net			200,200
Less: Allowance for credit losses on loans			3,135	4,052	4,140
Commercial [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[2]		177,952
Commercial [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net			22,248
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans		171,230
Total loans, net			168,716
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	147,295
Total loans, net	[1],[2]		147,063
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		23,935
Total loans, net			21,653
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans		21,178
Total loans, net			31,484
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	20,198
Total loans, net	[1],[2]		30,889
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		980
Total loans, net			595
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		3,000	10,000
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,262,551
Less: Allowance for credit losses on loans		43,931
Total loans, net			4,229,163
Less: Allowance for credit losses on loans			40,689	45,507	44,950
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans		3,965,962
Total loans, net			3,936,302
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	2,729,257
Total loans, net	[1]		2,723,734
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,236,705
Total loans, net			1,212,568
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		60,472
Total loans, net			61,885
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	47,043
Total loans, net	[1]		48,190
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		13,429
Total loans, net			13,695
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans		236,117
Total loans, net			230,976
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	172,854
Total loans, net	[1]		175,134
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		63,263
Total loans, net			55,842
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans		9,395
Less: Allowance for credit losses on loans		70
Total loans, net			9,416
Less: Allowance for credit losses on loans			443	$ 432	$ 505
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	7,269
Total loans, net	[1]		7,368
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		$ 2,126
Total loans, net			$ 2,048
[1]	Includes New York, New Jersey, Vermont and Massachusetts.
[2]	Includes New York, New Jersey and Massachusetts.

Loan Portfolio and Allowance _4

Loan Portfolio and Allowance for Credit Losses, Impact of Adoption in Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	$ 46,178
Commercial [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	2,177
Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	43,931
Installment [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	$ 70
Pre-Adoption Balance [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		$ 44,267
Pre-Adoption Balance [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		3,121
Pre-Adoption Balance [Member] | Commercial [Member] | Other [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		14
Pre-Adoption Balance [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		37,249
Pre-Adoption Balance [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		583
Pre-Adoption Balance [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		2,857
Pre-Adoption Balance [Member] | Installment [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		443
ASU 2016-13 [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		46,620
ASU 2016-13 [Member] | Commercial [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		2,149
ASU 2016-13 [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		2,021
ASU 2016-13 [Member] | Commercial [Member] | Other [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		128
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		44,406
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		38,952
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		845
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		4,609
ASU 2016-13 [Member] | Installment [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		65
ASU 2016-13 [Member] | Impact of Adoption [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		(986)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		(1,100)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial [Member] | Other [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		114
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		3,717
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		1,703
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		262
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		1,752
ASU 2016-13 [Member] | Impact of Adoption [Member] | Installment [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses		$ (378)

Loan Portfolio and Allowance _5

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 44,267	$ 49,595
Loans charged off [Abstract]
Total loan charge offs		47	95
Recoveries of loans previously charged off [Abstract]
Total recoveries		105	141
Net loans (recoveries) charged off		(58)	(46)
(Credit) provision for credit losses		(500)	350
Balance at end of period		46,178
Balance at end of period			49,991
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	46	93
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	105	141
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		1	2
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		3,135	4,140
Loans charged off [Abstract]
Total loan charge offs		36	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	32
Net loans (recoveries) charged off		36	(32)
(Credit) provision for credit losses		64	(120)
Balance at end of period		2,177
Balance at end of period			4,052
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	36	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	0	32
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		40,689	44,950
Loans charged off [Abstract]
Total loan charge offs		0	86
Recoveries of loans previously charged off [Abstract]
Total recoveries		97	88
Net loans (recoveries) charged off		(97)	(2)
(Credit) provision for credit losses		(572)	555
Balance at end of period		43,931
Balance at end of period			45,507
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	0	86
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	97	88
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		443	505
Loans charged off [Abstract]
Total loan charge offs		11	9
Recoveries of loans previously charged off [Abstract]
Total recoveries		8	21
Net loans (recoveries) charged off		3	(12)
(Credit) provision for credit losses		8	(85)
Balance at end of period		70
Balance at end of period			432
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	10	7
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	8	21
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		1	2
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	$ 0
ASU 2016-13 [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		46,620
ASU 2016-13 [Member] | Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		2,149
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		44,406
ASU 2016-13 [Member] | Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		65
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		(986)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		3,717
ASU 2016-13 [Member] | Impact of Adoption [Member] | Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ (378)
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _6

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses on Unfunded Commitments (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at end of period	$ 46,178
Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	18
Provision for credit losses	300
Balance at end of period	2,653
ASU 2016-13 [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	46,620
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	2,353
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 2,335

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		$ 4,464,354
Total loans, net				$ 4,438,779
Current-period Gross writeoffs		47	$ 95
Impaired loans included in classified loans				226
New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	3,123,916
Total loans, net	[1]			3,132,378
Current-period Gross writeoffs	[1]	46	93
Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		1,340,438
Total loans, net				1,306,401
Current-period Gross writeoffs		1	2
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		192,408
Total loans, net				200,200
Current-period Gross writeoffs		36	0
Commercial [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			177,952
Current-period Gross writeoffs	[1]	36	0
Commercial [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				22,248
Current-period Gross writeoffs		0	0
Commercial [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				197,934
Commercial [Member] | Pass [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			176,226
Commercial [Member] | Pass [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				21,708
Commercial [Member] | Classified [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				2,266
Commercial [Member] | Classified [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			1,726
Commercial [Member] | Classified [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				540
Commercial [Member] | Commercial Real Estate [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		10,701
2021		32,756
2020		24,602
2019		26,575
2018		21,295
Prior		47,877
Revolving Loans Amortized Cost Basis		7,424
Revolving Loan Converted to Term		0
Total loans		171,230
Total loans, net				168,716
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		36
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		36
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	147,295
Total loans, net	[1],[2]			147,063
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		23,935
Total loans, net				21,653
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		10,701
2021		32,756
2020		24,411
2019		26,575
2018		20,900
Prior		46,493
Revolving Loans Amortized Cost Basis		7,424
Revolving Loan Converted to Term		0
Total loans		169,260
Total loans, net				166,613
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			145,500
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				21,113
Commercial [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		0
2020		73
2019		0
2018		255
Prior		0
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		328
Commercial [Member] | Commercial Real Estate [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		0
2020		118
2019		0
2018		140
Prior		1,384
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		1,642
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				2,103
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			1,563
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				540
Commercial [Member] | Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		419
2021		6,276
2020		3,301
2019		786
2018		956
Prior		2,735
Revolving Loans Amortized Cost Basis		6,705
Revolving Loan Converted to Term		0
Total loans		21,178
Total loans, net				31,484
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		0
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		0
Commercial [Member] | Other [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	20,198
Total loans, net	[1],[2]			30,889
Commercial [Member] | Other [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		980
Total loans, net				595
Commercial [Member] | Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		419
2021		5,931
2020		3,301
2019		786
2018		956
Prior		2,634
Revolving Loans Amortized Cost Basis		6,705
Revolving Loan Converted to Term		0
Total loans		20,732
Total loans, net				31,321
Commercial [Member] | Other [Member] | Pass [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			30,726
Commercial [Member] | Other [Member] | Pass [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				595
Commercial [Member] | Other [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		320
2020		0
2019		0
2018		0
Prior		0
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		320
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		25
2020		0
2019		0
2018		0
Prior		101
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		126
Commercial [Member] | Other [Member] | Classified [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				163
Commercial [Member] | Other [Member] | Classified [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[2]			163
Commercial [Member] | Other [Member] | Classified [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net				0
Real Estate Mortgage - 1 to 4 Family [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		4,262,551
Total loans, net				4,229,163
Current-period Gross writeoffs		0	86
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Current-period Gross writeoffs	[1]	0	86
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Current-period Gross writeoffs		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		142,158
2021		971,838
2020		834,714
2019		393,388
2018		279,787
Prior		1,343,532
Revolving Loans Amortized Cost Basis		545
Revolving Loan Converted to Term		0
Total loans		3,965,962
Total loans, net				3,936,302
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		0
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	2,729,257
Total loans, net	[1]			2,723,734
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		1,236,705
Total loans, net				1,212,568
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		142,158
2021		971,838
2020		834,631
2019		392,717
2018		279,365
Prior		1,328,713
Revolving Loans Amortized Cost Basis		545
Revolving Loan Converted to Term		0
Total loans		3,949,967
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		0
2020		83
2019		671
2018		422
Prior		14,819
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		15,995
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		2,414
2021		10,463
2020		7,431
2019		8,589
2018		6,078
Prior		25,497
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		60,472
Total loans, net				61,885
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		0
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	47,043
Total loans, net	[1]			48,190
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		13,429
Total loans, net				13,695
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		2,414
2021		10,463
2020		7,431
2019		8,589
2018		5,943
Prior		25,324
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		60,164
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		0
2020		0
2019		0
2018		135
Prior		173
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		308
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		221
2021		721
2020		492
2019		100
2018		70
Prior		22,453
Revolving Loans Amortized Cost Basis		212,060
Revolving Loan Converted to Term		0
Total loans		236,117
Total loans, net				230,976
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		0
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	172,854
Total loans, net	[1]			175,134
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		63,263
Total loans, net				55,842
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		221
2021		721
2020		492
2019		100
2018		70
Prior		19,850
Revolving Loans Amortized Cost Basis		211,792
Revolving Loan Converted to Term		0
Total loans		233,246
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		2,603
Revolving Loans Amortized Cost Basis		268
Revolving Loan Converted to Term		0
Total loans		2,871
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		937
2021		3,421
2020		1,327
2019		1,498
2018		686
Prior		375
Revolving Loans Amortized Cost Basis		1,151
Revolving Loan Converted to Term		0
Total loans		9,395
Total loans, net				9,416
2022		0
2021		0
2020		5
2019		5
2018		0
Prior		1
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		11	9
Installment [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	7,269
Total loans, net	[1]			7,368
Current-period Gross writeoffs	[1]	10	7
Installment [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		2,126
Total loans, net				$ 2,048
Current-period Gross writeoffs		1	$ 2
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		937
2021		3,409
2020		1,326
2019		1,471
2018		686
Prior		375
Revolving Loans Amortized Cost Basis		1,150
Revolving Loan Converted to Term		0
Total loans		9,354
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		12
2020		1
2019		27
2018		0
Prior		0
Revolving Loans Amortized Cost Basis		1
Revolving Loan Converted to Term		0
Total loans		$ 41
[1]	Includes New York, New Jersey, Vermont and Massachusetts.
[2]	Includes New York, New Jersey and Massachusetts.

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2022	Dec. 31, 2021
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 4,464,354
Recorded past due loans			$ 4,438,779
Number of days past due		90 days	90 days
Loans that are 90 days past due and still accruing interest		$ 0	$ 0
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	3,123,916
Recorded past due loans	[1]		3,132,378
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,340,438
Recorded past due loans			1,306,401
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		17,659
Recorded past due loans			16,159
Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	15,350
Recorded past due loans	[1]		13,807
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,309
Recorded past due loans			2,352
30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,546
Recorded past due loans			2,708
30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	2,923
Recorded past due loans	[1]		1,821
30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		623
Recorded past due loans			887
60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,454
Recorded past due loans			1,249
60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	1,364
Recorded past due loans	[1]		935
60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		90
Recorded past due loans			314
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		12,659
Recorded past due loans			12,202
90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	11,063
Recorded past due loans	[1]		11,051
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,596
Recorded past due loans			1,151
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,446,695
Recorded past due loans			4,422,620
Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	3,108,566
Recorded past due loans	[1]		3,118,571
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,338,129
Recorded past due loans			1,304,049
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		192,408
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		171,230
Recorded past due loans			168,716
Loans that are 90 days past due and still accruing interest		0
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	147,295
Recorded past due loans	[1]		147,063
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		23,935
Recorded past due loans			21,653
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		229
Recorded past due loans			278
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	229
Recorded past due loans	[1]		278
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	0
Recorded past due loans	[1]		0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		106
Recorded past due loans			233
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	106
Recorded past due loans	[1]		233
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		123
Recorded past due loans			45
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	123
Recorded past due loans	[1]		45
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		171,001
Recorded past due loans			168,438
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	147,066
Recorded past due loans	[1]		146,785
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		23,935
Recorded past due loans			21,653
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		21,178
Recorded past due loans			31,484
Loans that are 90 days past due and still accruing interest		0
Commercial [Member] | Other [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	20,198
Recorded past due loans	[1]		30,889
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		980
Recorded past due loans			595
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		31
Recorded past due loans			0
Commercial [Member] | Other [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	31
Recorded past due loans	[1]		0
Commercial [Member] | Other [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		27
Recorded past due loans			0
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	27
Recorded past due loans	[1]		0
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	0
Recorded past due loans	[1]		0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4
Recorded past due loans			0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	4
Recorded past due loans	[1]		0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Commercial [Member] | Other [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		21,147
Recorded past due loans			31,484
Commercial [Member] | Other [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	20,167
Recorded past due loans	[1]		30,889
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		980
Recorded past due loans			595
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,262,551
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,965,962
Recorded past due loans			3,936,302
Loans that are 90 days past due and still accruing interest		0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	2,729,257
Recorded past due loans	[1]		2,723,734
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,236,705
Recorded past due loans			1,212,568
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		15,060
Recorded past due loans			13,604
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	12,885
Recorded past due loans	[1]		11,409
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,175
Recorded past due loans			2,195
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,737
Recorded past due loans			2,172
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	2,114
Recorded past due loans	[1]		1,303
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		623
Recorded past due loans			869
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,209
Recorded past due loans			419
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	1,209
Recorded past due loans	[1]		239
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			180
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		11,114
Recorded past due loans			11,013
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	9,562
Recorded past due loans	[1]		9,867
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,552
Recorded past due loans			1,146
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,950,902
Recorded past due loans			3,922,698
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	2,716,372
Recorded past due loans	[1]		2,712,325
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,234,530
Recorded past due loans			1,210,373
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		60,472
Recorded past due loans			61,885
Loans that are 90 days past due and still accruing interest		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	47,043
Recorded past due loans	[1]		48,190
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		13,429
Recorded past due loans			13,695
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		236
Recorded past due loans			405
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	192
Recorded past due loans	[1]		360
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		44
Recorded past due loans			45
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		19
Recorded past due loans			136
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	19
Recorded past due loans	[1]		136
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			45
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	0
Recorded past due loans	[1]		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			45
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		217
Recorded past due loans			224
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	173
Recorded past due loans	[1]		224
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		44
Recorded past due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		60,236
Recorded past due loans			61,480
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	46,851
Recorded past due loans	[1]		47,830
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		13,385
Recorded past due loans			13,650
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		236,117
Recorded past due loans			230,976
Loans that are 90 days past due and still accruing interest		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	172,854
Recorded past due loans	[1]		175,134
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		63,263
Recorded past due loans			55,842
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,028
Recorded past due loans			1,813
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	1,939
Recorded past due loans	[1]		1,724
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		89
Recorded past due loans			89
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		727
Recorded past due loans			355
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	727
Recorded past due loans	[1]		355
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		114
Recorded past due loans			547
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	25
Recorded past due loans	[1]		458
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		89
Recorded past due loans			89
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,187
Recorded past due loans			911
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	1,187
Recorded past due loans	[1]		911
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		234,089
Recorded past due loans			229,163
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	170,915
Recorded past due loans	[1]		173,410
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		63,174
Recorded past due loans			55,753
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		9,395
Recorded past due loans			9,416
Loans that are 90 days past due and still accruing interest		0
Installment [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	7,269
Recorded past due loans	[1]		7,368
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,126
Recorded past due loans			2,048
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		75
Recorded past due loans			59
Installment [Member] | Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	74
Recorded past due loans	[1]		36
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1
Recorded past due loans			23
Installment [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		36
Recorded past due loans			45
Installment [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	36
Recorded past due loans	[1]		27
Installment [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			18
Installment [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		25
Recorded past due loans			5
Installment [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	24
Recorded past due loans	[1]		5
Installment [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1
Recorded past due loans			0
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		14
Recorded past due loans			9
Installment [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	14
Recorded past due loans	[1]		4
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0
Recorded past due loans			5
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		9,320
Recorded past due loans			9,357
Installment [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	7,195
Recorded past due loans	[1]		7,332
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 2,125
Recorded past due loans			$ 2,025
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _9

Loan Portfolio and Allowance for Credit Losses, Non-accrual Loans, By Loan Class (Details) - USD ($) $ in Thousands		Mar. 31, 2022	Dec. 31, 2021
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 19,402	$ 18,739
Restructured real estate mortgages - 1 to 4 family		16	17
Total nonperforming loans		19,418	18,756
Other estate owned		270	362
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	17,285	16,709
Restructured real estate mortgages - 1 to 4 family	[1]	16	17
Total nonperforming loans	[1]	17,301	16,726
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,117	2,030
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		2,117	2,030
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		11,700	9,700
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		183	67
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	183	67
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		0	0
Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		4	45
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	4	45
Commercial [Member] | Other [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		15,995	15,787
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	14,102	13,990
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		1,893	1,797
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		308	292
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	264	247
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		44	45
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,871	2,511
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	2,699	2,337
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		172	174
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		41	37
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	33	23
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 8	$ 14
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_10

Loan Portfolio and Allowance for Credit Losses , Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	$ 7,890
Nonaccrual With Allowance for Credit Loss	11,513
Loans Past Due Over 89 Days Still Accruing	0	$ 0
Commercial [Member] | Commercial Real Estate [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	61
Nonaccrual With Allowance for Credit Loss	123
Loans Past Due Over 89 Days Still Accruing	0
Commercial [Member] | Other [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	0
Nonaccrual With Allowance for Credit Loss	4
Loans Past Due Over 89 Days Still Accruing	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	6,762
Nonaccrual With Allowance for Credit Loss	9,233
Loans Past Due Over 89 Days Still Accruing	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	37
Nonaccrual With Allowance for Credit Loss	271
Loans Past Due Over 89 Days Still Accruing	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	1,030
Nonaccrual With Allowance for Credit Loss	1,841
Loans Past Due Over 89 Days Still Accruing	0
Installment [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Nonaccrual With No Allowance for Credit Loss	0
Nonaccrual With Allowance for Credit Loss	41
Loans Past Due Over 89 Days Still Accruing	$ 0

Loan Portfolio and Allowance_11

Loan Portfolio and Allowance for Credit Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	46,178	44,267
Total ending allowance balance	46,178
Total ending allowance balance		44,267	$ 49,991	$ 49,595
Loans [Abstract]
Individually evaluated for impairment	17,922	18,504
Collectively evaluated for impairment	4,446,432	4,420,275
Total loans	4,464,354
Total loans		4,438,779
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,177	3,135
Total ending allowance balance	2,177
Total ending allowance balance		3,135	4,052	4,140
Loans [Abstract]
Individually evaluated for impairment	305	232
Collectively evaluated for impairment	192,103	199,968
Total loans	192,408
Total loans		200,200
1 to 4 Family Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	43,931	40,689
Total ending allowance balance	43,931
Total ending allowance balance		40,689	45,507	44,950
Loans [Abstract]
Individually evaluated for impairment	17,617	18,272
Collectively evaluated for impairment	4,244,934	4,210,891
Total loans	4,262,551
Total loans		4,229,163
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	70	443
Total ending allowance balance	70
Total ending allowance balance		443	$ 432	$ 505
Loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	9,395	9,416
Total loans	$ 9,395
Total loans		$ 9,416

Loan Portfolio and Allowance_12

Loan Portfolio and Allowance for Credit Losses , Type of Collateral Dependent Loans by Portfolio Segment (Details) $ in Thousands	Mar. 31, 2022USD ($)
Loans and Leases Receivable [Abstract]
Total loans	$ 4,464,354
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	17,922
Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans	192,408
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	171,230
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	301
Commercial [Member] | Commercial Real Estate [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Commercial [Member] | Commercial Real Estate [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	21,178
Commercial [Member] | Other [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	4
Commercial [Member] | Other [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Commercial [Member] | Other [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans	4,262,551
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans	3,965,962
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	15,417
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans	60,472
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	159
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans	236,117
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	2,041
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans	9,395
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Installment [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0
Installment [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	$ 0

Loan Portfolio and Allowance_13

Loan Portfolio and Allowance for Credit Losses, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)Contract
Financing Receivable Modifications Information [Abstract]
TDR's classifications from previously performing loans	$ 9,800
Modified loans by class determined to be TDR's [Abstract]
Deferral period of chapter 13 bankruptcies	60 months
Number of days past due when loans are considered to be in payment default	90 days
Contractual past due period for loans to be in payment default	30 days
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	3	[1]
Pre-Modification Outstanding Recorded Investment	$ 370	[1]
Post-Modification Outstanding Recorded Investment	$ 370	[1]
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0
Pre-Modification Outstanding Recorded Investment	$ 0
Post-Modification Outstanding Recorded Investment	$ 0
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0	[1]
Pre-Modification Outstanding Recorded Investment	$ 0	[1]
Post-Modification Outstanding Recorded Investment	$ 0	[1]
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0
Pre-Modification Outstanding Recorded Investment	$ 0
Post-Modification Outstanding Recorded Investment	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0	[1]
Pre-Modification Outstanding Recorded Investment	$ 0	[1]
Post-Modification Outstanding Recorded Investment	$ 0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0
Pre-Modification Outstanding Recorded Investment	$ 0
Post-Modification Outstanding Recorded Investment	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	3	[1]
Pre-Modification Outstanding Recorded Investment	$ 370	[1]
Post-Modification Outstanding Recorded Investment	$ 370	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0
Pre-Modification Outstanding Recorded Investment	$ 0
Post-Modification Outstanding Recorded Investment	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0	[1]
Pre-Modification Outstanding Recorded Investment	$ 0	[1]
Post-Modification Outstanding Recorded Investment	$ 0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0
Pre-Modification Outstanding Recorded Investment	$ 0
Post-Modification Outstanding Recorded Investment	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_14

Loan Portfolio and Allowance for Credit Losses, Impaired Receivables (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Mar. 31, 2022
Impaired loans by loans class [Abstract]
Recorded Investment		$ 18,504	$ 17,900
Unpaid Principal Balance		18,871
Related Allowance		0
Average Recorded Investment		20,753
New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	15,932
Unpaid Principal Balance	[1]	16,299
Related Allowance	[1]	0
Average Recorded Investment	[1]	17,824
Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,572
Unpaid Principal Balance		2,572
Related Allowance		0
Average Recorded Investment		2,929
Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		187
Unpaid Principal Balance		279
Related Allowance		0
Average Recorded Investment		1,259
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	187
Unpaid Principal Balance	[1]	279
Related Allowance	[1]	0
Average Recorded Investment	[1]	1,154
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment		105
Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		45
Unpaid Principal Balance		45
Related Allowance		0
Average Recorded Investment		107
Commercial [Member] | Other [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	45
Unpaid Principal Balance	[1]	45
Related Allowance	[1]	0
Average Recorded Investment	[1]	107
Commercial [Member] | Other [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment		0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		16,055
Unpaid Principal Balance		16,243
Related Allowance		0
Average Recorded Investment		16,634
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	13,687
Unpaid Principal Balance	[1]	13,875
Related Allowance	[1]	0
Average Recorded Investment	[1]	14,072
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,368
Unpaid Principal Balance		2,368
Related Allowance		0
Average Recorded Investment		2,562
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		161
Unpaid Principal Balance		161
Related Allowance		0
Average Recorded Investment		251
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	161
Unpaid Principal Balance	[1]	161
Related Allowance	[1]	0
Average Recorded Investment	[1]	235
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		0
Unpaid Principal Balance		0
Related Allowance		0
Average Recorded Investment		16
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		2,056
Unpaid Principal Balance		2,143
Related Allowance		0
Average Recorded Investment		2,502
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	[1]	1,852
Unpaid Principal Balance	[1]	1,939
Related Allowance	[1]	0
Average Recorded Investment	[1]	2,256
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment		204
Unpaid Principal Balance		204
Related Allowance		0
Average Recorded Investment		$ 246
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr_3

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Securities available for sale [Abstract]
Fair Value	$ 408,991	$ 407,713
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Fair Value	0	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Fair Value	408,991	407,713
Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
Fair Value	0	0
Carrying Value [Member]
Securities available for sale [Abstract]
Fair Value	408,991	407,713
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other securities	0	0
Fair Value	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	62,059	59,179
State and political subdivisions	41	41
Mortgage backed securities and collateralized mortgage obligations - residential	244,045	270,798
Corporate bonds	74,089	45,337
Small Business Administration - guaranteed participation securities	28,086	31,674
Other securities	671	684
Fair Value	408,991	407,713
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other securities	0	0
Fair Value	0	0
Recurring [Member] | Carrying Value [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	62,059	59,179
State and political subdivisions	41	41
Mortgage backed securities and collateralized mortgage obligations - residential	244,045	270,798
Corporate bonds	74,089	45,337
Small Business Administration - guaranteed participation securities	28,086	31,674
Other securities	671	684
Fair Value	$ 408,991	$ 407,713

Fair Value of Financial Instr_4

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Non-recurring Basis (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)	Mar. 31, 2021USD ($)
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, Valuation Technique [Extensible List]	Valuation, Market Approach [Member]	Valuation, Market Approach [Member]
Other real estate owned, Measurement Input [Extensible List]	Adjustments for Differences Between Comparable Sales [Member]	Adjustments for Differences Between Comparable Sales [Member]
Impaired loans [Abstract]
Fair value assets transfers from Level 1 to Level 2	$ 0		$ 0
Fair value assets transfers from Level 2 to Level 1	0		$ 0
Valuation charge on other real estate owned	0	$ 121
Impaired loans	17,900	18,504
Collateral dependent impaired loans	0	0
Valuation allowance	0	0
Gross charge offs, residential impaired loans	0	0
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
Loans individually evaluated	0
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family		0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
Loans individually evaluated	0
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family		0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	269	362
Loans individually evaluated	$ 0
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family		$ 0
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0.01
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.20	0.14
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.07	0.06
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 269	$ 362
Loans individually evaluated	$ 0
Impaired loans [Abstract]
Real estate mortgage - 1 to 4 family		$ 0

Fair Value of Financial Instr_5

Fair Value of Financial Instruments, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financial assets [Abstract]
Cash and cash equivalents	$ 1,272,548	$ 1,219,470
Securities available for sale	408,991	407,713
Held to maturity securities	9,550	10,695
Net loans	4,443,718	4,451,031
Accrued interest receivable	8,897	9,099
Financial liabilities [Abstract]
Demand deposits	835,281	794,878
Interest bearing deposits	4,507,905	4,471,613
Short-term borrowings	248,371	244,686
Accrued interest payable	131	163
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	1,272,548	1,219,470
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	107	10
Financial liabilities [Abstract]
Demand deposits	835,281	794,878
Interest bearing deposits	3,574,520	3,477,937
Short-term borrowings	0	0
Accrued interest payable	36	34
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	408,991	407,713
Held to maturity securities	9,550	10,695
Net loans	0	0
Accrued interest receivable	1,073	1,235
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	933,385	993,676
Short-term borrowings	248,371	244,686
Accrued interest payable	95	129
Level 3 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	4,443,718	4,451,031
Accrued interest receivable	7,717	7,854
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	0	0
Short-term borrowings	0	0
Accrued interest payable	0	0
Carrying Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	1,272,548	1,219,470
Securities available for sale	408,991	407,713
Held to maturity securities	9,183	9,923
Federal Reserve Bank and Federal Home Loan Bank stock	5,604	5,604
Net loans	4,418,176	4,394,512
Accrued interest receivable	8,897	9,099
Financial liabilities [Abstract]
Demand deposits	835,281	794,878
Interest bearing deposits	4,514,735	4,473,251
Short-term borrowings	248,371	244,686
Accrued interest payable	$ 131	$ 163

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss), Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 601,128	$ 568,161	[1]
Other comprehensive income (loss) - before reclassifications	(14,251)	(4,461)
Amount reclassified from accumulated other comprehensive income	(265)	(207)
Other comprehensive income (loss), net of tax	(14,516)	(4,668)
Balance	592,895	571,031	[1]
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	12,147	11,936	[1]
Other comprehensive income (loss), net of tax	(14,516)	(4,668)
Balance	(2,369)	7,268	[1]
Net Unrealized Holding Loss on Securities Available for Sale, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(26)	7,186
Other comprehensive income (loss) - before reclassifications	(14,251)	(4,461)
Amount reclassified from accumulated other comprehensive income	0	0
Other comprehensive income (loss), net of tax	(14,251)	(4,461)
Balance	(14,277)	2,725
Net Change in Overfunded Position in Pension and Postretirement Plans Arising During the Year, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	13,706	6,084
Other comprehensive income (loss) - before reclassifications	0	0
Amount reclassified from accumulated other comprehensive income	0	0
Other comprehensive income (loss), net of tax	0	0
Balance	13,706	6,084
Net Change in Net Actuarial (Gain) Loss and Prior Service Credit on Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(1,533)	(1,334)
Other comprehensive income (loss) - before reclassifications	0	0
Amount reclassified from accumulated other comprehensive income	(265)	(207)
Other comprehensive income (loss), net of tax	(265)	(207)
Balance	$ (1,798)	$ (1,541)
[1]	All periods presented have been adjusted for the 1 for 5

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss), Reclassifications out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	$ 9,239	$ 12,425
Income tax effect	5,625	4,767
Net income	17,089	14,083
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Abstract]
Net income	265	207
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Abstract]
Income tax effect	(93)	(73)
Net income	265	207
Amortization of Net Actuarial Gain [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	78	228
Amortization of Prior Service (Cost) Credit [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	$ 280	$ 52

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Sources of non-interest income [Abstract]
Other	[1]	$ 212	$ 154
Total non-interest income		5,183	4,428
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		646	617
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		790	469
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		1,702	1,153
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 1,833	$ 2,035
[1]	Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2022USD ($)LeaseProperty	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease		0
Other information related to leases [Abstract]
Operating lease cost		$ 2,052	$ 2,016
Variable lease cost		596	502
Total Lease costs		2,648	2,518
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases		2,093	2,038
Right-of-use assets obtained in exchange for lease obligations:		$ 2,087	$ 302
Weighted average remaining lease term		9 years 3 months 18 days	8 years 10 months 24 days
Weighted average discount rate		2.96%	3.16%
Future minimum lease payments under non-cancellable leases [Abstract]
2022	[1]	$ 6,211
2023		8,134
2024		8,012
2025		7,603
2026		6,627
Thereafter		24,435
Total lease payments		61,022
Less: Interest		7,928
Present value of lease liabilities		53,094		$ 52,720
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments		3,500
Less: Interest		$ 473
Number of Properties Under Lease Owned by Related Party | Property		5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term		1 month
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term		22 years 6 months
[1]	Excluding the three months ended March 31, 2022.

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Mar. 31, 2022USD ($)Classification	Dec. 31, 2021USD ($)
Trustco Bank [Member]
Compliance With Regulatory Capital Requirements Under Banking Regulations Information [Abstract]
Number of classifications for prompt corrective action regulations provide | Classification		5
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 575,895	$ 570,594
Common equity Tier 1 capital		575,895	570,594
Tier 1 risk-based capital		575,895	570,594
Total risk-based capital		$ 614,433	$ 608,308
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.09286	0.09324
Common equity Tier 1 capital, ratio		0.18743	0.18954
Tier 1 risk-based capital, ratio		0.18743	0.18954
Total risk-based capital, ratio		0.19997	0.20206
Leverage Ratios [Abstract]
Tier 1 leverage ratio, well capitalized	[1]	0.05000	0.05000
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04000	0.04000
Common equity Tier 1 capital, well capitalized	[1]	0.06500	0.06500
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07000	0.07000
Tier 1 risk-based capital, well capitalized	[1]	0.08000	0.08000
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.08500	0.08500
Total risk-based capital, well capitalized	[1]	0.10000	0.10000
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.10500	0.10500
Common equity Tier 1 capital conservation buffer		0.0250	0.0250
Tier 1 risk based capital ratio, capital conservation buffer		0.0250	0.0250
Total risk based capital ratio, capital conservation buffer		0.0250	0.0250
TrustCo Bank Corp NY [Member]
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 594,711	$ 588,427
Common equity Tier 1 capital		594,711	588,427
Tier 1 risk-based capital		594,711	588,427
Total risk-based capital		$ 633,260	$ 626,150
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.09585	0.09614
Common equity Tier 1 capital, ratio		0.19349	0.19541
Tier 1 risk-based capital, ratio		0.19349	0.19541
Total risk-based capital, ratio		0.20603	0.20794
Leverage Ratios [Abstract]
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04000	0.04000
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07000	0.07000
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.08500	0.08500
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.10500	0.10500
Common equity Tier 1 capital conservation buffer		0.0250	0.0250
Tier 1 risk based capital ratio, capital conservation buffer		0.0250	0.0250
Total risk based capital ratio, capital conservation buffer		0.0250	0.0250
[1]	Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized
[2]	The March 31, 2022 and December 31, 2021 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent

Risks and Uncertainties (Detail

Risks and Uncertainties (Details)	Mar. 16, 2020	Mar. 03, 2020
Risks and Uncertainties [Abstract]
Reduction in overnight federal funds rate	1.00%	0.50%