TrustCo Bank Corp NY (TRST) 10-K 1 Mar 23 2022 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Feb. 23, 2023	Jun. 30, 2022
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2022
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	FY
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 Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 573
Entity Common Stock, Shares Outstanding		19,024,433
Auditor Firm ID	173
Auditor Name	Crowe LLP
Auditor Location	New York, New York

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest and dividend income:
Interest and fees on loans		$ 162,214	$ 159,168	$ 165,964
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		1,405	314	568
State and political subdivisions		2	2	6
Mortgage-backed securities and collateralized mortgage obligations-residential		5,677	4,515	6,131
Corporate bonds		1,804	1,065	1,721
Small Business Administration-guaranteed participation securities		551	745	902
Other		9	20	23
Total interest and dividends on securities available for sale		9,448	6,661	9,351
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		343	435	604
Total interest on held to maturity securities		343	435	604
Federal Reserve Bank and Federal Home Loan Bank stock		305	260	421
Interest on federal funds sold and other short-term investments		14,292	1,458	1,948
Total interest and dividend income		186,602	167,982	178,288
Interest expense:
Interest on deposits		5,727	6,665	23,698
Interest on short-term borrowings		740	909	1,010
Total interest expense		6,467	7,574	24,708
Net interest income		180,135	160,408	153,580
(Credit) provision for credit losses		(341)	(5,450)	5,600
Net interest income after (credit) provision for credit losses		180,476	165,858	147,980
Noninterest income:
Trustco Financial Services income		7,037	7,358	6,279
Fees for services to customers		10,947	9,799	8,779
Net gain on securities transactions	[1]	0	0	1,155
Other		1,276	780	957
Total noninterest income		19,260	17,937	17,170
Noninterest expense:
Salaries and employee benefits		45,904	48,721	45,647
Net occupancy expense		17,527	17,742	17,519
Equipment expense		6,487	6,617	6,636
Professional services		5,577	6,108	5,618
Outsourced services		9,210	8,384	7,750
Advertising expense		2,046	1,975	1,921
FDIC and other insurance expense		3,159	3,010	2,220
Other real estate expense, net		310	183	92
Other		10,099	8,922	8,301
Total noninterest expense		100,319	101,662	95,704
Income before income taxes		99,417	82,133	69,446
Income taxes		24,183	20,614	16,994
Net income		$ 75,234	$ 61,519	$ 52,452
Earnings per share:
Basic (in dollars per share)	[2],[3]	$ 3.93	$ 3.19	$ 2.72
Diluted (in dollars per share)	[2],[3]	$ 3.93	$ 3.19	$ 2.72
[1]Not within the scope of ASC 606.[2]All periods presented have been adjusted for the 1 for 5 1 for 5

Consolidated Statements of In_2

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

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 75,234	$ 61,519	$ 52,452
Net unrealized holding (loss) gain on securities available for sale	(43,513)	(9,715)	10,475
Reclassification adjustments for net gain recognized in income	0	0	(1,155)
Tax effect	11,268	2,503	(2,420)
Net unrealized (loss) gain on securities available for sale, net of tax	(32,245)	(7,212)	6,900
Change in overfunded position in pension and postretirement plans arising during the year	(8,266)	10,297	1,681
Tax effect	2,148	(2,675)	(437)
Change in overfunded position in pension and postretirement plans arising during the year, net of tax	(6,118)	7,622	1,244
Amortization of net actuarial gain	(1,008)	(674)	(708)
Amortization of prior service (credit) cost	(313)	405	(196)
Tax effect	343	70	235
Amortization of net actuarial gain and prior service (credit) cost on pension and postretirement plans, net of tax	(978)	(199)	(669)
Other comprehensive (loss) income, net of tax	(39,341)	211	7,475
Comprehensive income	$ 35,893	$ 61,730	$ 59,927

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 43,429	$ 48,357
Federal funds sold and other short term investments	607,170	1,171,113
Total cash and cash equivalents	650,599	1,219,470
Securities available for sale	481,513	407,713
Held to maturity securities ($7,580 and $10,695 fair value at December 31, 2022 and 2021, respectively)	7,707	9,923
Federal Home Loan Bank stock	5,797	5,604
Loans, net of deferred net costs	4,733,201
Less: Allowance for credit loss on loans	46,032	44,267
Net loans	4,687,169
Loans, net of deferred net costs		4,438,779
Less: Allowance for credit loss on loans		44,267
Net loans		4,394,512
Bank premises and equipment, net	32,556	33,027
Operating lease right-of-use assets	44,727	48,090
Other assets	89,984	78,207
Total assets	6,000,052	6,196,546
Deposits:
Demand	838,147	794,878
Savings accounts	1,521,473	1,504,554
Interest-bearing checking	1,183,321	1,191,304
Money market deposit accounts	621,106	782,079
Time accounts	1,028,763	995,314
Total deposits	5,192,810	5,268,129
Short-term borrowings	122,700	244,686
Operating lease liabilities	48,980	52,720
Accrued expenses and other liabilities	35,575	29,883
Total liabilities	5,400,065	5,595,418
Commitments and contingent liabilities
SHAREHOLDERS' EQUITY:
Capital stock: $1.00 par value; 30,000,000 shares authorized, 20,058,142 and 20,045,684 shares issued and 19,024,433 and 19,219,989 shares outstanding at December 31, 2022 and 2021, respectively	20,058	20,046
Surplus	257,078	256,661
Undivided profits	393,831	349,056
Accumulated other comprehensive (loss) income, net of tax	(27,194)	12,147
Treasury stock: 1,033,709 and 825,695 shares, at cost, at December 31, 2022 and 2021, respectively	(43,786)	(36,782)
Total shareholders' equity	599,987	601,128
Total liabilities and shareholders' equity	$ 6,000,052	$ 6,196,546

Consolidated Statements of Co_2

Consolidated Statements of Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
ASSETS
Held to maturity securities, fair value	$ 7,580	$ 10,695
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share)	$ 1	$ 1
Capital stock, shares authorized (in shares)	30,000,000	30,000,000
Capital stock, shares issued (in shares)	20,058,142	20,045,684
Capital stock, shares outstanding (in shares)	19,024,433	19,219,989
Treasury stock, at cost (in shares)	1,033,709	825,695

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands		Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Income (Loss) [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, 2019	[1]	$ 20,041	$ 256,591	$ 288,067	$ 4,461	$ (30,903)	$ 538,257
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		0	0	52,452	0	0	52,452
Change in other comprehensive income (loss), net of tax		0	0	0	7,475	0	7,475
Cash dividend declared	[1]	0	0	(26,545)	0	0	(26,545)
Purchase of treasury stock	[2]	0	0	0	0	(3,493)	(3,493)
Stock based compensation expense		0	15	0	0	0	15
Balance at Dec. 31, 2020		20,041	256,606	313,974	11,936	(34,396)	568,161
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		0	0	61,519	0	0	61,519
Change in other comprehensive income (loss), net of tax		0	0	0	211	0	211
Cash used to settle fractional shares in the Reverse Stock Split		(5)	(195)	0	0	0	(200)
Stock options exercises	[2]	10	250	0	0	0	260
Cash dividend declared	[1]	0	0	(26,437)	0	0	(26,437)
Purchase of treasury stock	[2]	0	0	0	0	(2,386)	(2,386)
Balance at Dec. 31, 2021		20,046	256,661	349,056	12,147	(36,782)	601,128
Balance (ASU 2016-13 [Member]) at Dec. 31, 2021		20,046	256,661	345,586	12,147	(36,782)	597,658	$ (3,470)	$ (3,470)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		0	0	75,234	0	0	75,234
Change in other comprehensive income (loss), net of tax		0	0	0	(39,341)	0	(39,341)
Stock options exercises		12	417	0	0	0	429
Cash dividend declared		0	0	(26,989)	0	0	(26,989)
Purchase of treasury stock		0	0	0	0	(7,004)	(7,004)
Balance at Dec. 31, 2022		$ 20,058	$ 257,078	$ 393,831	$ (27,194)	$ (43,786)	$ 599,987
[1]All periods presented have been adjusted for the 1 for 5 1 for 5

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical)	12 Months Ended
	Dec. 31, 2022 $ / shares shares	Dec. 31, 2021 $ / shares shares	Dec. 31, 2020 $ / shares shares
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Stock option exercises (in shares)	12,458	9,923
Cash dividend declared (in dollars per share) | $ / shares	$ 1.41	$ 1.3719	$ 1.3625
Purchase of treasury stock (in shares)	208,014	71,260	97,800

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities:
Net income		$ 75,234	$ 61,519	$ 52,452
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		4,101	4,219	4,040
Amortization of right-of-use asset		6,452	6,383	6,138
Net gain on sale of other real estate owned		(122)	(216)	(347)
Writedown of other real estate owned		68	121	120
(Credit) Provision for credit losses		(341)	(5,450)	5,600
Deferred tax expense (benefit)		4,114	(238)	(1,067)
Net amortization of securities		2,266	3,955	3,883
Stock based compensation expense		0	0	15
Net gain on sale of bank premises and equipment		(315)	0	0
Net gain on securities transactions	[1]	0	0	(1,155)
Decrease (Increase) in taxes receivable		4,906	(148)	(1,243)
(Increase) Decrease in interest receivable		(2,393)	932	884
Increase (Decrease) in interest payable		439	(311)	(985)
Increase in other assets		(8,432)	(10,247)	(2,625)
Decrease in operating lease liabilities		(6,829)	(6,652)	(6,317)
(Decrease) Increase in accrued expenses and other liabilities		(522)	1,498	2,764
Total adjustments		3,392	(6,154)	9,705
Net cash provided by operating activities		78,626	55,365	62,157
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale		68,954	148,609	276,843
Purchases of securities available for sale		(203,516)	(139,962)	(145,339)
Proceeds from maturities of securities available for sale		15,057	9,162	10,007
Proceeds from calls and maturities of held to maturity securities		2,142	3,780	4,627
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock		(193)	(98)	(380)
Proceeds from redemptions of Federal Reserve Bank stock		0	0	4,057
Net increase in loans		(296,343)	(194,677)	(183,320)
Proceeds from dispositions of other real estate owned		588	764	1,989
Proceeds from dispositions of bank premises and equipment		470	6	0
Purchases of bank premises and equipment		(3,785)	(2,840)	(3,830)
Net cash used in investing activities		(416,626)	(175,256)	(35,346)
Cash flows from financing activities:
Net (decrease) increase in deposits		(75,319)	230,936	587,177
Net change in short-term borrowings		(121,986)	29,931	66,089
Proceeds from exercise of stock options and related tax benefits		429	260	0
Cash used to settle fractional shares in the Reverse Stock Split		0	(200)	0
Purchases of treasury stock		(7,004)	(2,386)	(3,493)
Dividends paid		(26,991)	(26,279)	(26,331)
Net cash (used in) provided by financing activities		(230,871)	232,262	623,442
Net (decrease) increase in cash and cash equivalents		(568,871)	112,371	650,253
Cash and cash equivalents at beginning of period		1,219,470	1,107,099	456,846
Cash and cash equivalents at end of period		650,599	1,219,470	1,107,099
Cash paid during the year for:
Interest paid		6,028	7,885	25,693
Income taxes paid		19,459	20,493	18,185
Non cash investing and financing activities:
Transfer of loans to real estate owned		2,233	490	724
Change in dividends payable		(2)	158	214
Change in unrealized (loss) gain on securities available for sale - gross of deferred taxes		(43,513)	(9,715)	9,320
Change in deferred tax effect on unrealized (gain) loss on securities available for sale, net of reclassification adjustment		11,268	2,503	(2,420)
Amortization of net actuarial gain and prior service credit on pension and post retirement plans, gross of deferred taxes		(1,321)	(269)	(904)
Change in deferred tax effect of amortization of net actuarial gain and prior service credit on pension and post retirement plans		343	70	235
Change in overfunded portion of pension and post retirement benefit plans (ASC 715) - gross of deferred taxes		(8,266)	10,297	1,681
Deferred tax effect of change in overfunded portion of pension and post retirement benefit plans (ASC 715)		$ 2,148	$ (2,675)	$ (437)
[1]Not within the scope of ASC 606.

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2022
Basis of Presentation [Abstract]
Basis of Presentation	(1) Basis of Presentation The accounting and financial reporting policies of TrustCo Bank Corp NY (the Company or TrustCo), ORE Subsidiary Corp., Trustco Bank (referred to as Trustco Bank or the Bank), and its wholly owned subsidiaries, Trustco Realty Corporation, Trustco Insurance Agency, Inc., ORE Property, Inc. and its subsidiaries ORE Property One, Inc. and ORE Property Two, Inc. conform to general practices within the banking industry and are in conformity with U.S. generally accepted accounting principles. A description of the more significant policies follows. Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions. Reverse Stock Split Effective as of May 28, 2021, the Company completed a 1 -for -5 Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Securities Available for Sale and Held to Maturity (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. 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 non-accrual 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. The Company measures expected credit losses on securities held to maturity debt on a collective basis. Accrued interest receivable on held to maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers nature of the Issuer, historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The Company evaluates securities available for sale in an unrealized loss position for other than temporary impairment (“OTTI”) by first assessing whether it intends to sell or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For available for sale debt securities that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than amortized cost, any changes to the rating of security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows 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 recognized in other comprehensive income. Federal Reserve Bank of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank was also a member of the Federal Reserve Bank of New York until it discontinued its membership in 2020 and the Reserve Bank stock was redeemed. Prior to the stock redemption, the Reserve Bank stock was carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received were reported as income 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 from mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent. Non-accrual loans are individually reviewed and charged off at 180 days past due. Commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on non-accrual 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 non-accrual 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. Allowance for Credit Losses on Loans The allowance for credit losses on loans (“ACLL”) is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans 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. Accrued interest receivable is excluded from the estimate of credit losses. The level of the ACLL represents management’s estimate of expected credit losses over the expected life of the loans at the balance sheet date. he level of the ACLL is based on management’s ongoing review of all relevant information, from internal and external sources, relating to past and current events, utilizing an 8-quarter The ACLL is measured on a collective (pool) basis when similar risk characteristics exist. The Company evaluates its risk characteristics of loans based on regulatory call report code with sub-segmentation based on geographic territory (New York and Florida). Risk characteristics relevant to each portfolio segment are as follows: Commercial: ‑ Residential real estate: one‑ ‑ Installment: Loans that do not share risk characteristics are evaluated on an individual basis, which the Company has determined are non-accrual loans that have been delinquent 180 days or greater, commercial non-accrual loans and loans identified as troubled debt restructuring (“TDR”). Loans evaluated individually are not also included in the collective evaluation. Estimates of specific allowance may be determined by the present value of anticipated future cash flows or the loan’s observable fair market value, or the fair value of the collateral less costs to sell, if the loan is collateral dependent. However, for collateral dependent loans, the amount of the amortized cost in a loan that exceeds the fair value of the collateral is charged-off against the allowance for credit losses on loans in lieu of an allocation of a specific allowance amount when such an amount has been identified definitively as uncollectible. 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 was no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. The TDR that have subsequently defaulted 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. The allowance for unfunded commitments is maintained at a level by the Company determined to be sufficient to absorb expected lifetime losses related to unfunded credit facilities (including unfunded loan commitments and letters of credit). The allowance for unfunded commitments is recorded as a separate liability and is included with Accrued expenses and other liabilities on the consolidated statements of condition. Changes in the reserve are recorded through the provision for credit losses on the consolidated statements of income. Prior to the adoption of CECL, the Company calculated the allowance for loan losses under the incurred loss methodology. Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight ‑ Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2022 and 2021, there were $2.1 million and $362 thousand, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition. Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded. Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation, or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2023, the Bank could declare dividends of approximately $96.7 million plus any 2023 net profits retained to the date of the dividend declaration. Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees who participated in the plan before it was frozen as of December 31, 2006. The benefits are based on years of service and the employee’s compensation The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive income (loss). Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re ‑ Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share ‑ ‑ Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid ‑ Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes. Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity. Comprehensive Income Comprehensive income represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax. Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates. 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 also 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. One 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. The Company adopted CECL using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet 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 (included in other assets) - (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 from mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent. Non-accrual loans are individually reviewed and charged off at 180 days past due. Commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on non-accrual 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 non-accrual 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 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 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, historical credit loss experience in Florida and New York provides the quantitative basis for the estimation of expected credit losses. Complementary to that, a portion of its debtors’ ability to repay depends significantly on the economic employment conditions prevailing in the respective geographic territory. The ACLL reserve is overlaid with qualitative considerations 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. The allowance for unfunded commitments is maintained at a level by the Company determined to be sufficient to absorb expected lifetime losses related to unfunded credit facilities (including unfunded loan commitments and letters of credit). Management utilized the historical loss rate experience on the Company’s loan portfolio as the initial basis of the estimate using probability of default and loss given defaults derived from September 30, 2011 to January 1, 2022. A defaulted loan is a loan payment default once it is 90 days contractually past due. 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 enarios, Management considered the following ● ● ● ● 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 fully utilize the Stagflation forecast scenario. The Company determined the forecast more appropriately considers inflationary pressures and monetary policies observed currently and prospectively in the markets served. The ACLL reserve is then complemented with qualitative factors based upon GMP, CPI, and housing forecasts using the same scenario, and their related forecasts for the respective metropolitan regions of New York and Florida, and were factored into the calculation. 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. Non-accrual loans that have been delinquent 180 days or greater, commercial non-accrual loans and loans identified as troubled debt restructuring (“TDR”) are individually assessed. 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 was no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. The TDR that have subsequently defaulted 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 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 A debt security is placed on non-accrual 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. There were no debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2022. 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 $33 thousand and is excluded from the estimate of credit losses. Historically the Company has not experienced uncollectible accrued interest receivable on its held-to-maturity securities portfolio. Allowance for Credit L

Balances at Other Banks

Balances at Other Banks	12 Months Ended
	Dec. 31, 2022
Balances at Other Banks [Abstract]
Balances at Other Banks	(2) Balances at Other Banks The Company is required to maintain certain reserves of vault cash and/or deposits with the Federal Reserve Bank. The amount of this reserve requirement, included in cash and due from banks and federal funds sold and other short-term investments, was approximately $15.8 million and $69.6 million at December 31, 2022 and 2021, respectively.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2022
Investment Securities [Abstract]
Investment Securities	(3) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 124,123 $ 1 $ 5,937 $ 118,187 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 291,431 34 31,149 260,316 Corporate bonds 85,641 - 4,295 81,346 Small Business Administration - guaranteed participation securities 23,115 - 2,138 20,977 Other 686 - 33 653 Total securities available for sale $ 525,030 $ 35 $ 43,552 $ 481,513 (dollars in thousands) December 31, 2021 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 categorizes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 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 are shown separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 5,044 $ 5,019 Due in after one year through five years 205,440 195,201 Mortgage backed securities and collateralized mortgage obligations - residential 291,431 260,316 Small Business Administration - guaranteed participation securities 23,115 20,977 $ 525,030 $ 481,513 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: (dollars in thousands) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 57,849 $ 1,290 $ 55,337 $ 4,647 $ 113,186 $ 5,937 Mortgage backed securities and collateralized mortgage obligations - residential 164,772 13,010 93,009 18,139 257,781 31,149 Corporate bonds 52,805 2,395 28,542 1,900 81,347 4,295 Other 49 1 568 32 617 33 Small Business Administration - guaranteed participation securities 802 71 20,175 2,067 20,977 2,138 Total $ 276,277 $ 16,767 $ 197,631 $ 26,785 $ 473,908 $ 43,552 (dollars in thousands) December 31, 2021 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. 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 The proceeds from sales, calls/paydowns and maturities of securities available for sale, and gross realized gains and gross realized losses from sales during , and are as follows: Years ended December 31, (dollars in thousands) 2022 2021 2020 Proceeds from sales $ - $ - $ 29,219 Proceeds from calls/paydowns 68,954 148,609 247,624 Proceeds from maturities 15,057 9,162 10,007 Gross realized gains - - 1,155 Gross realized losses - - - The amount of securities pledged to secure short-term borrowings and for other purposes amounted to $171.4 million and $283.2 million at December 31, 2022 and 2021, respectively. There was no allowance for credit losses recorded for securities available for sale as of December 31, 2022. All securities are performing in accordance with contractual terms. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: December 31, 2022 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,707 $ 90 $ 217 $ 7,580 Total held to maturity $ 7,707 $ 90 $ 217 $ 7,580 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 categorizes the debt securities included in the held to maturity portfolio as of December 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 shown separately. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,707 7,580 $ 7,707 7,580 Gross unrealized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 3,327 206 258 11 3,585 217 Total $ 3,327 206 258 11 3,585 217 (dollars in thousands) December 31, 2021 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 442 1 - - 442 1 Total $ 442 1 - - 442 1 There were no allowance for credit losses recorded for held to maturity securities during 2022 and as of December 31, 2022. As of December 31, 2022, there were no securities on non-accrual status and all securities were performing in accordance with contractual terms. (c) Concentrations The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2022 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 184,850 $ 98,072 Federal Home Loan Mortgage Corporation 107,800 165,309 (d) Other-Than-Temporary-Impairment 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 ‑ ‑ As of December 31, 2022, the Company’s security portfolio included certain securities which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises In the case of unrealized losses on U.S. government sponsored enterprises, because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2022. Mortgage backed securities and collateralized mortgage obligations – residential At December 31, 2022, all mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government sponsored entities and agencies, primarily Ginnie Mae, Fannie Mae and Freddie Mac, institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2022. Small Business Administration (SBA) - guaranteed participation securities: At December 31, 2022, all of the SBA securities held by the Company were issued and guaranteed by the U.S. Small Business Administration. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2022. Corporate Bonds and other At December 31, 2022, corporate bonds held by the Company are investment grade quality. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2022.

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2022
Loan Portfolio and Allowance for Credit Losses [Abstract]
Loan Portfolio and Allowance for Credit Losses	(4) 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: December 31, 2022 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 177,371 $ 32,551 $ 209,922 Other 20,221 868 21,089 Real estate mortgage - 1 to 4 family: First mortgages 2,776,989 1,369,913 4,146,902 Home equity loans 43,999 12,550 56,549 Home equity lines of credit 191,926 94,506 286,432 Installment 9,408 2,899 12,307 Total loans, net $ 3,219,914 $ 1,513,287 4,733,201 Less: Allowance for credit losses 46,032 Net loans $ 4,687,169 *Includes New York, New Jersey, Vermont and Massachusetts. Prior to the adoption of CECL on January 1, the Company calculated allowance for loan losses using the incurred losses methodology. 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 * Includes New York, New Jersey, Vermont and Massachusetts. Included in commercial loans above are Paycheck Protection Program (“PPP”) loans totaling approximately $1.0 million and $10.0 million as of December and respectively. At December and the Company had approximately and respectively, in real estate construction loans at December approximately are secured by mortgages to residential borrowers while ly were to commercial borrowers for residential construction projects. Of the in real estate construction loans at December approximately were secured by mortgages to residential borrowers while approximately were to commercial borrowers for residential construction projects. At December and loans to executive officers, directors, and to associates of such persons aggregated and , respectively. During approximately of new loans were made and repayments of loans totaled approximately . The composition of the related parties’ loan balances had no changes during the year. All loans are current according to their term. TrustCo 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. 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 and current conditions. There were no significant changes in the Company’s methodology for the allowance for credit losses on loans for the period ended December compared to the adoption date. Consistent with the adoption date, the Company has determined the Stagflation forecast scenario to be appropriate for the December 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 years. The following table presents the impact of the January adoption entry in the allowance for credit losses on loans by loan type: (dollars in s) December Pre-Adoption Balance Impact of Adoption January Post CECL Adoption Total Total Commercial: Commercial real estate $ 3,121 (1,100 ) 2,021 Other 14 114 128 Real estate mortgage - to 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 for the year ended December is summarized as follows: For the year ended December 31, 2022 (dollars in s) Commercial Real Estate Mortgage- 1 to Family Installment Total Balance at beginning of period $ 3,135 $ 40,689 $ 443 $ 44,267 Impact of ASU - Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January as adjusted for ASU - 2,149 44,406 65 46,620 Loans charged off: New York and other states* 40 24 87 151 Florida - - 1 1 Total loan chargeoffs 40 24 88 152 Recoveries of loans previously charged off: New York and other states* 4 450 7 461 Florida - - 3 3 Total recoveries 4 450 10 464 Net loans (recoveries) charged off 36 (426 ) 78 (312 ) (Credit) provision for credit losses 483 (1,561 ) 178 (900 ) Balance at end of period $ 2,596 $ 43,271 $ 165 $ 46,032 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2021 is summarized as follows: For the year ended December 31, 2021 (dollars in s) Commercial Real Estate 1 to Family Installment Total Balance at beginning of period $ 4,140 $ 44,950 $ 505 $ 49,595 Loans charged off: New York and other states* 30 339 58 427 Florida - 1 2 3 Total loan chargeoffs 30 340 60 430 Recoveries of loans previously charged off: New York and other states* 32 464 54 550 Florida - 2 - 2 Total recoveries 32 466 54 552 Net loan recoveries (2 ) (126 ) 6 (122 ) (Credit) provision for loan losses (1,007 ) (4,387 ) (56 ) (5,450 ) Balance at end of period $ 3,135 $ 40,689 $ 443 $ 44,267 * Includes New York, New Jersey, Vermont and Massachusetts. For the year ended December 31, 2020 Real Estate Mortgage- (dollars in thousands) Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 3,999 39,748 570 44,317 Loans charged off: New York and other states* 36 404 187 627 Florida - - 34 34 Total loan chargeoffs 36 404 221 661 Recoveries of loans previously charged off: New York and other states* 10 314 12 336 Florida - 3 - 3 Total recoveries 10 317 12 339 Net loans charged off 26 87 209 322 Provision for loan losses 167 5,289 144 5,600 Balance at end of period $ 4,140 44,950 505 49,595 The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of December 31, 2022: December 31, 2022 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,596 43,271 165 46,032 Total ending allowance balance $ 2,596 43,271 165 46,032 Loans: Individually evaluated for impairment $ 646 24,967 82 25,695 Collectively evaluated for impairment 230,365 4,464,916 12,225 4,707,506 Total ending loans balance $ 231,011 4,489,883 12,307 4,733,201 Prior to the adoption of CECL on January 1, 2022, the Company calculated allowance for loan losses using the incurred losses methodology. The balance in the allowance for loan losses by portfolio segment is summarized as follows: 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 only: 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. 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 were as follows: (In s) For the year ended December 31, Balance at January $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January 2,353 Provision for credit losses 559 Balance at December $ 2,912 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 Company’s internal loan review department in accordance with the Company’s internal loan review policy tests the loan grades assigned to all loan types. The Company uses the following definitions for classified loans: Special Mention Substandard Doubtful 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 December and December is also included in the aging of the past due loans table. Nonperforming loans shown in the table below were loans on non-accrual status and loans over days past due and accruing. As of December and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: Loan Credit Quality (in s) December 31, Term Loans Amortized Cost Basis by Origination Year Commercial : 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 79,430 $ 29,991 $ 18,708 $ 22,790 $ 16,598 $ 32,666 $ 8,022 $ - $ 208,205 Special Mention - - 62 - 243 - - - 305 Substandard - - 113 - 128 1,171 - - 1,412 Total Commercial Loans $ 79,430 $ 29,991 $ 18,883 $ 22,790 $ 16,969 $ 33,837 $ 8,022 $ - $ 209,922 Commercial Loans: Current-period Gross writeoffs $ - - - - - 40 - - $ 40 $ - - - - - 40 - - $ 40 Commercial Other: Risk rating Pass $ 2,972 $ 2,848 $ 2,273 $ 590 $ 674 $ 2,348 $ 8,908 - $ 20,613 Special mention - - - - - - 39 - 39 Substandard - 339 - - - 98 - - 437 Total Commercial Real Estate Loans $ 2,972 $ 3,187 $ 2,273 $ 590 $ 674 $ 2,446 $ 8,947 $ - $ 21,089 Other Commercial Loans: Current-period Gross writeoffs $ - - - - - - - - - $ - - - - - - - - $ - Residenti al First Mo Risk rating Performing $ 557,981 $ 933,754 $ 784,511 $ 368,137 $ 257,926 $ 1,228,776 $ 1,472 $ - $ 4,132,557 Nonperforming - 496 81 844 351 12,573 - - 14,345 Total Mortgage: $ 557,981 $ 934,250 $ 784,592 $ 368,981 $ 258,277 $ 1,241,349 $ 1,472 $ - $ 4,146,902 Residential Mortgage Loans: Current-period Gross writeoffs $ - - - - - 5 - - $ 5 $ - - - - - 5 - - $ 5 Home Equity Lines: Risk rating Performing $ 6,863 $ 9,124 $ 6,322 $ 7,588 $ 5,240 $ 21,217 $ - $ - $ 56,354 Nonperforming - - - - 66 129 - - 195 Total Home Equity Lines: $ 6,863 $ 9,124 $ 6,322 $ 7,588 $ 5,306 $ 21,346 $ - $ - $ 56,549 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 1,369 $ 1,246 $ 740 $ 52 $ 100 $ 18,377 $ 262,244 $ - $ 284,128 Nonperforming - 7 - - - 2,111 186 - 2,304 Total Home Equity Credit Lines: $ 1,369 $ 1,253 $ 740 $ 52 $ 100 $ 20,488 $ 262,430 $ - $ 286,432 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 19 $ - $ - $ 19 $ - $ - $ - $ - $ - $ 19 $ - $ - $ 19 Installments: Risk rating Performing $ 6,385 $ 2,495 $ 805 $ 709 $ 374 $ 308 $ 1,125 $ - $ 12,201 Nonperforming 20 17 - 65 - 1 3 - 106 Total Installments $ 6,405 $ 2,512 $ 805 $ 774 $ 374 $ 309 $ 1,128 $ - $ 12,307 Installments Loans: Current-period Gross writeoffs $ 1 $ 47 $ 22 $ 7 $ 2 $ 9 $ - $ - $ 88 $ 1 $ 47 $ 22 $ 7 $ 2 $ 9 $ - $ - $ 88 As of December the risk category of loans by class of loans was 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, Vermont and Massachusetts. Included in classified loans in the above tables are impaired loans of at December The following tables present the aging of the amortized cost in past due loans by loan class and by region December 31, 2022 New York and other states*: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) Commercial: Commercial real estate $ - - 161 161 177,210 177,371 Other 18 - 20 38 20,183 20,221 Real estate mortgage - 1 to 4 family: First mortgages 4,262 921 7,203 12,386 2,764,603 2,776,989 Home equity loans 283 - 67 350 43,649 43,999 Home equity lines of credit 978 - 591 1,569 190,357 191,926 Installment 78 4 23 105 9,303 9,408 Total $ 5,619 925 8,065 14,609 3,205,305 3,219,914 Florida: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) Commercial: Commercial real estate $ - - - - 32,551 32,551 Other - - 314 314 554 868 Real estate mortgage - 1 to 4 family: First mortgages 1,183 243 1,404 2,830 1,367,083 1,369,913 Home equity loans 51 - - 51 12,499 12,550 Home equity lines of credit 224 - - 224 94,282 94,506 Installment 6 - 83 89 2,810 2,899 Total $ 1,464 243 1,801 3,508 1,509,779 1,513,287 Total: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) Commercial: Commercial real estate $ - - 161 161 209,761 209,922 Other 18 - 334 352 20,737 21,089 Real estate mortgage - 1 to 4 family: First mortgages 5,445 1,164 8,607 15,216 4,131,686 4,146,902 Home equity loans 334 - 67 401 56,148 56,549 Home equity lines of credit 1,202 - 591 1,793 284,639 286,432 Installment 84 4 106 194 12,113 12,307 Total $ 7,083 1,168 9,866 18,117 4,715,084 4,733,201 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the aging of the recorded investment in past due loans by loan class and by region as of December 31, 2021: December 31, 2021 New York and other states*: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) 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: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) 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: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) 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 and there were no loans that were days past due and still accruing interest. As a result, non-accrual loans include all loans days or more past due as well as certain loans less than 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 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 other real estate owned included of residential foreclosed properties. In addition, non-accrual residential mortgage loans that were in the process of foreclosure had an amortized cost of as of December As of December other real estate owned included of residential foreclosed properties. In addition, non-accrual residential mortgage loans that were in the process of foreclosure had a recorded investment of as of December Loans individually evaluated for impairment are non-accrual loans delinquent greater than days, non-accrual commercial loans, as well as loans classified as troubled debt restructurings. As of December there was no allowance for credit losses based on loans individually evaluated for impairment. Residential and installment non-accrual loans which are not TDRs or greater than days delinquent 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: December 31, 2022 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 199 $ - $ 199 Other 20 314 334 Real estate mortgage - 1 to 4 family: First mortgages 12,609 1,736 14,345 Home equity loans 153 42 195 Home equity lines of credit 2,187 117 2,304 Installment 23 83 106 Total non-accrual loans 15,191 2,292 17,483 Restructured real estate mortgages - 1 to 4 family 10 - 10 Total nonperforming loans $ 15,201 $ 2,292 $ 17,493 * Includes New York, New Jersey, Vermont and Massachusetts. N on-accrual loans as of December 31, 2021 were as follows: 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 following table presents the amortized cost basis of loans on non-accrual status and loans past due over days still accruing: D ecember 31, (dollars in s) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance for Credit Loss Loans Past Due Over Days Still Accruing Commercial: Commercial real estate $ 160 $ 39 - Other 20 314 - Real estate mortgage - to family: First mortgages 13,502 843 - Home equity loans 129 66 - Home equity lines of credit 2,257 47 - Installment 82 24 - Total loans, net $ 16,150 $ 1,333 - The non-accrual balance of disclosed above was collectively evaluated and the associated allowance for credit losses on loans was not material as of December 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 December : Type of Collateral (dollars in s) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 312 - - Other 334 - - Real estate mortgage - to family: First mortgages 21,467 - - Home equity loans 236 - - Home equity lines of credit 3,264 - - Installment 82 - - Total $ 25,695 - - Troubled Debt Restructuring Loans 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 years ended December and A loan for which the terms have been modified, and for which a borrower is experiencing financial difficulties, is considered a TDR and is classified as individually evaluated. TDRs at December are measured at the amortized cost using the loan’s effective rate at inception or fair value of the underlying collateral if the loan is considered collateral dependent. As of December loans individually evaluated included approximately of loans in accruing status that were identified as TDRs. The following table presents, by class, loans that were modified as TDRs: Twelve months ended December 31, 2022 Twelve months ended December 31, 2021 Year ended 12/31/20 New York and other states*: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial: Commercial real estate - $ - - - $ - - 1 $ 125 125 Real estate mortgage - 1 to 4 family: First mortgages 11 1,587 1,587 6 1,114 1,114 12 2,303 2,303 Home equity loans - - - 1 2 2 - - - Home equity lines of credit - - - 2 40 40 3 169 169 Total 11 $ 1,587 1,587 9 $ 1,156 1,156 16 $ 2,597 2,597 Florida: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment 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 1 119 119 1 77 77 4 586 586 Home equity loans - - - - - - - - - Home equity lines of credit - - - 1 50 50 - - - Total 1 $ 119 119 2 $ 127 127 4 $ 586 586 * Includes New York, New Jersey, Vermont and Massachusetts. The addition of these TDRs 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. 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. In situations involving a borrower filing for Chapter 13 bankruptcy protection, 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.

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2022
Bank Premises and Equipment [Abstract]
Bank Premises and Equipment	(5) Bank Premises and Equipment A summary of premises and equipment at December 31, 2022 and 2021 follows: (dollars in thousands) 2022 2021 Land $ 2,426 $ 2,443 Buildings 36,260 36,327 Furniture, fixtures and equipment 60,320 58,163 Leasehold improvements 34,860 33,918 Total bank premises and equipment 133,866 130,851 Accumulated depreciation and amortization (101,310 ) (97,824 ) Total $ 32,556 $ 33,027 Depreciation and amortization expense was approximately $4.1 million, $4.2 million, and $4.0 million for the years 2022, 2021, and 2020, respectively. Occupancy expense of the Bank’s premises included rental expense of $8.2 million in 2022, $8.1 million in 2021, and $8.0 million in 2020.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Deposits	(6) Deposits Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2022 2021 2020 Interest bearing checking accounts $ 190 $ 178 $ 148 Savings accounts 920 624 716 Time deposits and money market accounts 4,617 5,863 22,834 Total $ 5,727 $ 6,665 $ 23,698 At December 31, 2022, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 883,218 1 to 2 years 50,972 2 to 3 years 3,378 3 to 4 years 660 4 to 5 years 90,431 Over 5 years 104 $ 1,028,763 Included in total time deposits as of December 31, 2022 and 2021 is $ 250.0 million and $161.5 million in time deposits with balances in excess of $250,000.

Short-Term Borrowings

Short-Term Borrowings	12 Months Ended
	Dec. 31, 2022
Short-Term Borrowings [Abstract]
Short-Term Borrowings	(7) Short-Term Borrowings Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2022 2021 2020 Amount outstanding at December 31, $ 122,700 $ 244,686 $ 214,755 Maximum amount outstanding at any month end 253,219 244,686 213,043 Average amount outstanding 177,599 232,815 180,065 Weighted average interest rate: For the year 0.42 % 0.39 % 0.56 % As of year end 0.86 0.37 0.47 Cash management accounts represent retail accounts with customers for which the Bank has pledged certain assets as collateral. Trustco Bank also has an available line of credit with the Federal Home Loan Bank of New York which approximates the balance of securities and/or loans pledged against such borrowings. The line of credit requires securities and/or loans to be pledged as collateral for the amount borrowed. As of December 31, 2022 and 2021, the Company had no outstanding borrowings with the Federal Home Loan Bank of New York. Trustco Bank is approved to borrow on a short-term basis from the Federal Reserve Bank of New York. The Bank can pledge certain securities to the Federal Reserve Bank to support this arrangement. As of December 31, 2022 and 2021, the Bank had no outstanding borrowings and loans with the Federal Reserve Bank of New York.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Income Taxes	(8) Income Taxes A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2022 2021 2020 Current tax expense: Federal $ 17,136 $ 17,657 $ 15,662 State 2,933 3,195 2,399 Total current tax expense 20,069 20,852 18,061 Deferred tax (benefit) expense 4,114 (238 ) (1,067 ) Total income tax expense $ 24,183 $ 20,614 $ 16,994 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2022 and 2021, are as follows: As of December 31, (dollars in thousands) 2022 2021 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (8,478 ) $ (7,335 ) Difference in reporting the allowance for loan losses, net 12,424 12,369 Other income or expense not yet reported for tax purposes 420 1,907 Depreciable assets (2,389 ) (2,068 ) Net deferred tax asset at end of year 1,977 4,873 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) 1,218 - Net deferred tax asset at beginning of year 4,873 4,635 Deferred tax expense (benefit) $ 4,114 $ (238 ) Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. Based primarily on the sufficiency of expected future taxable income, management believes it is more likely than not that the remaining deferred tax asset of $2.0 million and $4.9 million at December 31, 2022 and 2021, respectively, will be realized. In addition to the deferred tax items described in the preceding table, the Company has deferred tax assets of $11.3 million and $1 thousand at December 31, 2022 and 2021, respectively, relating to the net unrealized losses on securities available for sale and deferred tax liabilities of approximately $1.8 million and $4.2 million at December 31, 2022 and 2021, respectively, as a result of changes in the unrecognized overfunded position in the Company’s pension and postretirement benefit plans recorded, net of tax, as an adjustment to accumulated other comprehensive income. The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the year ended December 31, 2022 2021 2020 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % Increase/(decrease) in taxes resulting from: State income tax, net of federal tax benefit 3.0 3.2 2.4 Other items 0.3 0.9 1.1 Effective income tax rate 24.3 % 25.1 % 24.5 % On a periodic basis, the Company evaluates its income tax positions based on tax laws and regulations and financial reporting considerations, and records adjustments as appropriate. This evaluation takes into consideration the status of taxing authorities’ current examinations of the Company’s tax returns, recent positions taken by the taxing authorities on similar transactions, if any, and the overall tax environment in relation to uncertain tax positions. The Company does not anticipate a material charge to the amount of unrecognized tax benefits in the next twelve months. The Company recognizes interest and/or penalties related to income tax matters in noninterest expense. For the years 2022, 2021, and 2020, these amounts were not material. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction as well as in various states. In the normal course of business, the Company is subject to U.S. federal, state, and local income tax examinations by tax authorities. The Company’s federal and state income tax returns for the years 2019 2021

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2022
Benefit Plans [Abstract]
Benefit Plans	(9) Benefit Plans (a) Retirement Plan The Company maintains a trusteed non-contributory pension plan covering employees that have completed one year of employment and 1,000 hours of service while the plan was in effect. This plan was frozen as of December 31, 2006. The benefits are based on the sum of (a) a benefit equal to a prior service benefit plus the average of the employees’ highest five consecutive years’ compensation in the ten years preceding retirement multiplied by a percentage of service after a specified date plus (b) a benefit based upon career average compensation. The amounts contributed to the plan are determined annually on the basis of (a) the maximum amount that can be deducted for federal income tax purposes or (b) the amount certified by a consulting actuary as necessary to avoid an accumulated funding deficiency as defined by the Employee Retirement Income Security Act of 1974. Contributions are intended to provide for benefits attributed to service to date. Assets of the plan are administered by Trustco Bank’s Financial Services Department. The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2022 and 2021: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2022 2021 Projected benefit obligation at beginning of year $ 30,905 $ 33,504 Interest cost 888 856 Benefit payments and expected expenses (1,823 ) (2,142 ) Net actuarial (gain) loss (6,928 ) (1,313 ) Projected benefit obligation at end of year $ 23,042 $ 30,905 Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2022 2021 Fair Value of plan assets at beginning of year $ 63,066 $ 56,237 Actual (loss) gain on plan assets (8,532) 8,952 Benefit payments and actual expenses (1,861 ) (2,123 ) Fair value of plan assets at end of year 52,673 63,066 Funded status at end of year $ 29,631 $ 32,161 Amounts recognized in accumulated other comprehensive income (loss) consist of the following as of: December 31, 2022 2021 Net actuarial loss (gain) $ 1,170 $ (6,038 ) The accumulated benefit obligation was $23.0 million and $30.9 million at December 31, 2022 and 2021, respectively. Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss): For the years ended December 31, (dollars in thousands) 2022 2021 2020 Service cost $ - $ - $ 37 Interest cost 888 856 1,076 Expected return on plan assets (3,227 ) (2,846 ) (3,020 ) Net periodic pension credit (2,339 ) (1,990 ) (1,907 ) Net actuarial loss (gain) included in other comprehensive income (loss) 4,869 (7,439 ) (386 ) Total recognized in other comprehensive income (loss) 4,869 (7,439 ) (386 ) Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss) $ 2,530 $ (9,429 ) $ (2,293 ) Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2023 $ 1,686 2024 1,705 2025 1,721 2026 1,741 2027 1,738 2028 - 2032 8,824 The assumptions used to determine benefit obligations at December 31 are as follows: 2022 2021 2020 Discount rate 5.44 % 2.96 % 2.65 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2022 2021 2020 Discount rate 2.96 % 2.65 % 3.56 % Expected long-term rate of return on assets 5.25 5.25 6.00 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. (b) Supplemental Retirement Plan The Company also has a supplementary pension plan under which additional retirement benefits are accrued for eligible executive officers. This plan supplements the defined benefit retirement plan for eligible employees that exceed the Internal Revenue Service limit on the amount of pension payments that are allowed from a retirement plan. The supplemental plan provides eligible employees with total benefit payments as calculated by the retirement plan without regard to this limitation. Benefits under this plan are calculated using the same actuarial assumptions and interest rates as used for the retirement plan calculations. The accumulated benefits under this supplementary pension plan was approximately $2.3 million as of December 31, 2022 and 2021. Effective as of December 31, 2008, this plan has been frozen and no additional benefits will accrue. Instead, the amount of the Company’s annual contribution to the plan plus interest is paid directly to each eligible employee. The expense recorded for this plan was $2.7 million in both 2022 and 2021, and $2.2 million, in 2020. Rabbi trusts have been established for this plan. These trust accounts are administered by the Trustco Financial Services Department and invest primarily in bonds issued by government-sponsored enterprises and money market instruments. These assets are recorded at their fair value and are included in short-term investments in the Consolidated Statements of Condition. As of December 31, 2022 and 2021, the trusts had assets totaling $2.3 million, respectively. (c) Postretirement Benefits The Company permits retirees under age 65 to participate in the Company’s medical plan by making certain payments. In addition, the plan provides a death benefit to certain eligible employees and retirees. In 2003, the Company amended the medical plan to reflect changes to the retiree medical insurance coverage portion. The Company’s subsidy of the retiree medical insurance premiums was eliminated at that time. The Company continues to provide postretirement medical benefits for a limited number of executives in accordance with their employment contracts. The following tables show the plan’s funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2022 and 2021: Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2022 2021 Accumulated benefit obligation at beginning of year $ 7,016 $ 6,609 Service cost 18 75 Interest cost 207 190 Prior Service cost - 611 Benefits paid (72 ) (80 ) Net actuarial gain (2,276 ) (389 ) Accumulated benefit obligation at end of year $ 4,893 $ 7,016 Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2022 2021 Fair value of plan assets at beginning of year $ 33,344 $ 29,126 Actual (loss) gain on plan assets (4,341 ) 4,243 Company contributions 57 55 Benefits paid and actual expenses (72 ) (80 ) Fair value of plan assets at end of year 28,988 33,344 Funded status at end of year $ 24,095 $ 26,328 Amounts recognized in accumulated other comprehensive income consist of the following as of: (dollars in thousands) December 31, 2022 2021 Net actuarial gain $ (5,760 ) $ (10,165 ) Prior service cost (credit) 81 (232 ) Total $ (5,679 ) $ (10,397 ) The accumulated benefit obligation was $4.9 million and $7.0 million at December 31, 2022 and 2021, respectively. Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) December 31, 2022 2021 2020 Service cost $ 18 $ 75 $ 73 Interest cost 207 190 203 Expected return on plan assets (1,332 ) (1,163 ) (1,183 ) Amortization of net actuarial gain (1,008 ) (674 ) (708 ) Amortization of prior service (credit) cost (313 ) 405 (196 ) Net periodic benefit credit (2,428 ) (1,167 ) (1,811 ) Net loss (gain) 3,397 (3,469 ) (1,295 ) Amortization of prior service credit (cost) 313 (405 ) 196 Prior service cost - 611 - Amortization of net gain 1,008 674 708 Total amount recognized in other comprehensive loss 4,718 (2,589 ) (391 ) Total amount recognized in net periodic benefit cost and other comprehensive loss $ 2,290 $ (3,756 ) $ (2,202 ) The estimated amount of net gain that will be amortized from accumulated other comprehensive income (loss) into net periodic benefit income over the next fiscal year is approximately $457 thousand. The estimated amount of prior service cost that will be amortized from accumulated other comprehensive income (loss) into net periodic benefit income (loss) over the next fiscal year is approximately $13 thousand. Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2023 $ 112 2024 128 2025 151 2026 176 2027 191 2028 - 2032 1,454 The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2022 2021 2020 Discount rate 5.44 % 2.96 % 2.65 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2022 2021 2020 Discount rate 2.96 % 2.65 % 3.56 % Expected long-term rate of return on assets, net of tax 4.00 4.00 4.50 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. (d) Components of Accumulated Other Comprehensive Income (Loss) Related to Retirement and Postretirement Benefit Plans The following table details the change in the components of other comprehensive income (loss) related to the retirement plan and the postretirement benefit plan, at December 31, 2022 and 2021, respectively: (dollars in thousands) December 31, 2022 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ 4,869 $ 3,397 $ 8,266 Amortization of net actuarial gain - 1,008 1,008 Amortization of prior service credit - 313 313 Total $ 4,869 $ 4,718 $ 9,587 December 31, 2021 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (7,439 ) $ (3,469 ) $ (10,908 ) Prior service cost - 611 611 Amortization of net actuarial gain - 674 674 Amortization of prior service cost - (405 ) (405 ) Total $ (7,439 ) $ (2,589 ) $ (10,028 ) (e) Major Categories of Pension and Postretirement Benefit Plan Assets: The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2022 2021 2022 2021 Debt Securities 30 % 33 % 29 % 32 % Equity Securities 59 62 57 63 Other 11 5 14 5 Total 100 % 100 % 100 % 100 % The expected long-term rate-of-return on plan assets, noted in sections (a) and (b) above, reflects long-term earnings expectations on existing plan assets. In estimating that rate, appropriate consideration was given to historical returns earned by plan assets and the rates of return expected to be available for reinvestment. Rates of return were adjusted to reflect current capital market assumptions and changes in investment allocations. The Company’s investment policies and strategies for the pension benefit and postretirement benefit plans prescribe a target allocation of 50% to 70% equity securities, 25% to 40% debt securities, and 0% to 10% for other securities for the asset categories. The Company’s investment goals are to maximize returns subject to specific risk management policies. Its risk management policies permit direct investments in equity and debt securities and mutual funds while prohibiting direct investment in derivative financial instruments. The Company addresses diversification by the use of mutual fund investments whose underlying investments are in domestic and international debt and equity securities. These mutual funds are readily marketable and can be sold to fund benefit payment obligations as they become payable. Fair Value of Plan Assets: Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Equity mutual funds, Fixed Income mutual funds and Debt Securities The fair value of the plan assets at December 31, 2022 and 2021, by asset category, is as follows: Fair Value Measurements at Retirement Plan (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) Plan Assets Cash and cash equivalents $ 5,734 $ 5,734 $ - $ - Equity mutual funds 30,972 30,972 - - U.S. government sponsored enterprises 15,423 - 15,423 - Fixed income mutual funds 544 544 - - Total Plan Assets $ 52,673 $ 37,250 $ 15,423 $ - Fair Value Measurements at December 31, 2022 Using: Postretirement Benefits (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) Plan Assets Cash and cash equivalents $ 3,945 $ 3,945 $ - $ - Equity mutual funds 16,646 16,646 - - U.S. government sponsored enterprises 8,397 - 8,397 - Total Plan Assets $ 28,988 $ 20,591 $ 8,397 $ - Fair Value Measurements at December 31, 2021 Using: Retirement Plan (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) Plan Assets Cash and cash equivalents $ 3,075 $ 3,075 $ - $ - Equity mutual funds 39,249 39,249 - - U.S. government sponsored enterprises 17,032 - 17,032 - Corporate bonds 3,041 - 3,041 - Fixed income mutual funds 669 669 - - Total Plan Assets $ 63,066 $ 42,993 $ 20,073 $ - Fair Value Measurements at December 31, 2021 Using: Postretirement Benefits (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) Plan Assets Cash and cash equivalents $ 1,600 $ 1,600 $ - $ - Equity mutual funds 21,005 21,005 - - U.S. government sponsored enterprises 8,712 - 8,712 - Corporate bonds 2,027 - 2,027 - Total Plan Assets $ 33,344 $ 22,605 $ 10,739 $ - At December 31, 2022 and 2021, the majority of the equity mutual funds included in the plan assets of the retirement plan and postretirement benefit plan consist of large-cap index funds, while the remainder of the equity mutual funds consists of mid ‑ ‑ There were no transfers between Level 1 and Level 2 in 2022 and 2021. The Company made no contributions to its pension and postretirement benefit plans in 2022 or 2021. The Company does not expect to make any contributions to its pension and postretirement benefit plans in 2023. (f) Incentive and Bonus Plans During 2006, the Company amended its profit sharing plan to include a 401(k) feature. Under the 401(k) feature, the Company matches 100% of the aggregate salary contribution up to the first 3% of compensation and 50% of the aggregate contribution of the next 3%. No profit sharing contributions were made in 2022, 2021 or 2020 but were replaced with Company contributions to the 401(k) feature of the plan. Expenses related to the plan equaled $1.3 million for both 2022 and 2021, and $1.2 million for 2020. The Company also has an officers and executive incentive plan. The expense of these plans generally are based on the Company’s performance and estimated distributions to participants are accrued during the year and generally paid in the following year. The expense recorded for this plan was $1.3 million, $3.2 million and $3.3 million in 2022, 2021 and 2020, respectively. The Company has also awarded 291 thousand performance bonus units to the executive officers and directors. These units become vested and exercisable only under a change of control as defined in the plan. The units were awarded based upon the stock price at the time of grant and, if exercised under a change of control, allow the holder to receive the increase in value offered in the exchange over the stock price at the date of grant for each unit, if any. As of December 31, 2022, the weighted average strike price of each unit was $44.37. The performance bonus units and the weighted average strike price of each unit were adjusted for the 1 for 5 (g) Stock-Based Compensation Plans-Equity Awards Equity awards are types of stock-based compensation that are to be settled in shares. As such, the amount of compensation expense to be paid at the time of settlement is included in surplus in the Consolidated Statement of Condition. In May 2019, shareholders of the Company approved the TrustCo Bank Corp NY 2019 Equity Incentive Plan (2019 Equity Incentive Plan) which replaced and combined into one plan both the Amended and Restated TrustCo Bank Corp NY 2010 Equity Incentive Plan (2010 Equity Incentive Plan) and the Amended and Restated TrustCo Bank Corp NY 2010 Directors Equity Incentive Plan (Directors Plan), and all remaining shares eligible for issuance thereunder were canceled. Awards previously made under the prior plans remain in effect in accordance with the terms of those awards. Under the 2019 Equity Incentive Plan the Company may provide for the issuance of shares of our common stock which is available for issuance pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based), to eligible employees and directors. This allotment of shares includes the authorized but unissued shares remaining available for issuance under the 2010 Equity Incentive Plan and the Directors Plan. As of December 31, 2022, the Company may issue approximately thousand shares of our common stock pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based). 1 for 5 Under the 2019 Equity Incentive Plan, the exercise price of each option may not be less than of the fair value of the Company’s stock on the date of grant, and for an Incentive Stock Option (ISO) granted to a ten-percent , from the date the options were granted. A summary of the status of TrustCo’s stock option awards as of December 31, 2022 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2022 90,311 $ 34.38 New options awarded - 2022 - - Expired options - 2022 (1,000 ) 25.85 Options forfeited - 2022 - - Exercised options - 2022 (12,458 ) 34.47 Balance, December 31, 2022 76,853 $ 34.48 1.83 years Exercisable Options Balance, December 31, 2022 76,853 $ 34.48 1.83 years At December 31, 2022, the intrinsic value of outstanding stock options and vested stock options was approximately $239 thousand. All outstanding options were vested as of December was During and options for and shares of stock were exercised, respectively, adjusted for the 1 for 5 Income tax benefits recognized in the accompanying Consolidated Statements of Income related to stock-based compensation were not materia Valuation of Stock-Based Compensation: The fair value of the Company’s employee and director stock options granted is estimated on the measurement date, which, for the Company, is the date of grant. The Company did not grant new stock option awards in 2022, 2021, or 2020. There was no stock-based compensation expense recognized in 2022 or 2021. During 2020, the Company recognized $15 thousand in stock-based compensation expense related to the equity awards. (h) Stock-Based Compensation Plans-Liability Awards Liability awards are types of compensation that are settled in cash (not shares). As such, the amount of compensation expense to be paid at the time of settlement is included in accrued expenses and other liabilities in the Consolidated Statement of Condition. The Company granted both service-based and performance based liability awards in 2022, 2021 and 2020. The activity for service-based awards during 2022 was as follows: Restricted share units Outstanding Units Balance, December 31, 2021 82,632 New awards granted 43,072 Forfeited awards (1,865 ) Awards settled (40,611 ) Balance, December 31, 2022 83,228 Service-Based Awards: During 2022 and 2021, the Company issued restricted share units to certain eligible officers, executives and members of its board of directors. The restricted share units do not hold voting powers, and are not eligible for common stock dividends. Depending on the year of the grant the awards either become 100% vested after one year, or vest in whole units in equal installments from the first through the third year following the award date. Upon issuance, the fair value of these awards is the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based on the fair value of the Company’s stock. During 2022, 2021 and 2020, the Company recognized $1.6 million, $1.2 million and $715 thousand, respectively, in compensation expense related to these awards. Unrecognized compensation expense related to the outstanding restricted share units totaled approximately $2.9 million at December 31, 2022. During of the awards granted in and became vested and settled. The liability related to service-based liability awards was approximately $278 thousand and $229 thousand at December 31, 2022 and 2021, respectively, and is included in Accrued expense and other liabilities on the Consolidated Statements of Condition. The activity for performance-based awards during 2022 was as follows: Performance share units Performance share units Outstanding Units Balance, December 31, 2021 145,115 New awards granted 38,255 Forfeited awards (9,365 ) Awards settled (18,372 ) Balance, December 31, 2022 155,633 Performance Based Awards: During 2022, 2021 and 2020, the Company issued performance share units to certain eligible officers and executives. These units do not hold voting powers, are not eligible for common stock dividends, and become 100% vested after three years based upon a cliff-vesting schedule and the satisfaction of performance metrics. Upon issuance, fair value of these units was the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based upon the Company’s achievement of certain performance criteria in accordance with Plan provisions as well as the fair value of the Company’s stock. For units granted in 2019, those have been fully vested and unpaid. For units granted subsequent to 2019, all of the units are unvested as of December 31, 2022, and the Company expects to meet the required performance criteria of the awards. During 2022, 2021 and 2020, the Company recognized approximately $1.3 million, $1.8 million and $500 thousand, respectively, in compensation expense related to these units. Unrecognized compensation expense related to the outstanding performance share units totaled $3.1 million at December 31, 2022. The weighted average period over which the unrecognized expense is expected to be recognized was approximately 25 months as of December 31, 2022. The liability related to performance based liability awards totaled $3.6 million and $2.9 million at December 31, 2022 and 2021, respectively, and is included in Accrued expense and other liabilities on the Consolidated Statements of Condition.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2022
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	(10) Commitments and Contingent Liabilities (a) Litigation Existing litigation arising in the normal course of business is not expected to result in any material loss to the Company. (b) Outsourced Services The Company contracted with third-party service providers to perform certain banking functions. The outsourced services include data and item processing for the Bank and trust operations. The service expense can vary based upon the volume and nature of transactions processed. Outsourced service expense was $9.2 million for 2022, $8.4 million for 2021 and $7.8 million in 2020. The Company is contractually obligated to pay these third -party service providers approximately $9 million to $10 million per year through 2025.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Earnings Per Share	(11) 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 Determining Whether Instruments Granted in Share-Based Payment Transactions Are Participating Securities A reconciliation of the component parts of earnings per share for 2022, 2021, and 2020 follows: (dollars in thousands, except per share data) For the years ended December 31, 2022 2021 2020 Net income $ 75,234 $ 61,519 $ 52,452 Weighted average common shares (1) 19,131 19,259 19,301 Effect of dilutive common stock options (1) 2 4 2 Weighted average common shares including potential dilutive shares (1) 19,133 19,263 19,303 Basic EPS (1) $ 3.93 $ 3.19 $ 2.72 Diluted EPS (1) $ 3.93 $ 3.19 $ 2.72 (1) Share and per share amounts have been adjusted for all periods presented for the 1 for 5 For the years ended December and there were and thousand, respectively, of antidilutive stock options excluded from diluted earnings per share

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2022
Off-Balance Sheet Financial Instruments [Abstract]
Off-Balance Sheet Financial Instruments	(12) Off-Balance Sheet Financial Instruments Loan commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require a fee. Commitments sometimes expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. These arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Bank’s normal credit policies, including obtaining collateral. The Bank’s maximum exposure to credit loss for loan commitments, including unused lines of credit, at December 31, 2022 and 2021, was $535.4 million and $469.7 million, respectively. Approximately 74% and 81% of these commitments were for variable rate products at the end of 2022 and 2021, respectively. The Company does not issue any guarantees that require liability-recognition or disclosure, other than its standby letters of credit. The Company has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit totaled approximately $5.3 million at both December 31, 2022 and 2021, and represent the maximum potential future payments the Company could be required to make. Typically, these instruments have terms of 12 months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments. Company policies governing loan collateral apply to standby letters of credit at the time of credit extension. Loan‑to‑value ratios are generally consistent with loan‑to‑value requirements for other commercial loans secured by similar types of collateral. The fair value of the Company’s standby letters of credit at December 31, 2022 and 2021 was insignificant. No losses are anticipated as a result of loan commitments or standby letters of credit.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2022
Fair Value [Abstract]
Fair Value	(13) Fair Value Fair value measurements (ASC 820) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair values: 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 or 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 Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2022 Using: (dollars in s) 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 $ 118,187 $ - $ 118,187 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 260,316 - 260,316 - Corporate bonds 81,346 - 81,346 - Small Business Administration - guaranteed participation securities 20,977 - 20,977 - Other 653 - 653 - Total securities available for sale $ 481,513 $ - $ 481,513 $ - Fair Value Measurements at December 31, 2021 Using: (dollars in s) 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 684 - 684 - Total securities available for sale $ 407,713 $ - $ 407,713 $ - There were no transfers between Level 1 and Level 2 in 2022 and 2021. Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 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 $ 2,061 $ - $ - $ 2,061 Sales comparison approach Adjustments for differences between comparable sales 2% - 47% (18 %) Individually evaluated loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach 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 approach Adjustments for differences between comparable sales N/A Other real estate owned, which is carried at fair value less costs to sell, was approximately $2.1 million at December 31, 2022, and consisted of only residential real estate properties. A valuation charge of $68 thousand is included in earnings for the year ended December 31, 2022. Of the total individually evaluated loans of $25.7 million at December 31, 2022, there are no loans that were 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, 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 were 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. In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2022 and 2021 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2022 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 650,599 650,599 - - 650,599 Securities available for sale 481,513 - 481,513 - 481,513 Held to maturity securities 7,707 - 7,580 - 7,580 Federal Reserve Bank and Federal Home Loan Bank stock 5,797 N/A N/A N/A N/A Net loans 4,687,169 - - 4,328,508 4,328,508 Accrued interest receivable 11,492 189 1,866 9,437 11,492 Financial liabilities: Demand deposits 838,147 838,147 - - 838,147 Interest bearing deposits 4,354,663 3,325,900 1,012,528 - 4,338,428 Short-term borrowings 122,700 - 122,700 - 122,700 Accrued interest payable 602 60 542 - 602 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2021 Using: 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

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2022
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(14) Regulatory Capital Requirements Depository institutions and their holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy rules and 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. The capital rules include a capital conservation buffer of 2.5% that is designed to absorb losses during periods of economic stress and to require increased capital levels before capital distributions and certain other payments can be made. Failure to meet the full amount of the buffer will result in restrictions on capital distributions, including dividend payments and stock repurchases, and to pay discretionary bonuses to executive officers. For regulatory capital purposes, the ratios exclude the impact of accumulated other comprehensive income (loss). As of December 31, 2022, the Company and Bank meet all capital adequacy requirements to which they are subject and reported capital in levels that exceeded the capital conservation buffer Prompt corrective action regulations, to which banks, but not their holding companies, are subject, provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. If a bank is not classified as well capitalized, its ability to accept brokered deposits is restricted. 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 December 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 following is a summary of actual capital amounts and ratios as of December 31, 2022 and 2021, for Trustco Bank: As of December 31, 2022 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 609,998 10.116 % 5.000 % 4.000 % Common equity Tier 1 capital 609,998 18.431 6.500 7.000 Tier 1 risk-based capital 609,998 18.431 8.000 8.500 Total risk-based capital 651,462 19.684 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 The following is a summary of actual capital amounts and ratios as of December 31, 2022 and 2021 for TrustCo on a consolidated basis. As of December 31, 2022 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 626,628 10.390 % 4.000 % Common equity Tier 1 capital 626,628 18.929 7.000 Tier 1 risk-based capital 626,628 18.929 8.500 Total risk-based capital 668,102 20.182 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 December 31, 2022 and 2021 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income [Abstract]
Accumulated Other Comprehensive Income	(15) Accumulated Other Comprehensive Income The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: December 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)- year ended 12/31/2022 Balance at 12/31/2022 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (26 ) $ (32,245 ) $ - $ (32,245 ) $ (32,271 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 (6,118 ) - (6,118 ) 7,588 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,533 ) (978 ) (978 ) (2,511 ) Accumulated other comprehensive income (loss), net of tax $ 12,147 $ (38,363 ) $ (978 ) $ (39,341 ) $ (27,194 ) December 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)- year ended 12/31/2021 Balance at 12/31/2021 Net unrealized holding gain on securities available for sale, net of tax $ 7,186 $ (7,212 ) $ - $ (7,212 ) $ (26 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 7,622 - 7,622 13,706 Net change in net actuarial gain and prior service cost on pension and pension and postretirement benefit plans, net of tax (1,334 ) (199 ) (199 ) (1,533 ) Accumulated other comprehensive (loss) income, net of tax $ 11,936 $ 410 $ (199 ) $ 211 $ 12,147 December 31, 2020 (dollars in thousands) Balance at 12/31/2019 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2020 Balance at 12/31/2020 Net unrealized holding (loss) gain on securities available for sale, net of tax $ 286 $ 7,755 $ (855 ) $ 6,900 $ 7,186 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 4,840 1,244 - 1,244 6,084 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (665 ) - (669 ) (669 ) (1,334 ) Accumulated other comprehensive (loss) income, net of tax $ 4,461 $ 8,999 $ (1,524 ) $ 7,475 $ 11,936 The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2022, 2021 and 2020: (dollars in thousands) Years ended December 31, 2022 2021 2020 Affected Line Item in Financial Statements Unrealized gains on securities available for sale: Realized gain on securities transactions $ - $ - $ 1,155 Net gain on securities transactions Income tax expense - - (300 ) Income taxes Net of tax - - 855 Amortization of pension and postretirement benefit items: Prior Service Cost Amortization of net actuarial gain 1,008 674 708 Salaries and employee benefits Amortization of prior service credit (cost) 313 (405 ) 196 Salaries and employee benefits Income tax benefit (343 ) (70 ) (235 ) Income taxes Net of tax 978 199 669 Total reclassifications, net of tax $ 978 $ 199 $ 1,524

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2022
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	(16) 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 years ended December 31, 2022, 2021 and 2020. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) December 31, 2022 2021 2020 Non-interest income Service Charges on Deposits Overdraft fees $ 2,708 $ 2,660 $ 2,665 Other 2,044 1,940 1,629 Interchange Income 6,348 5,281 4,199 Net gain on securities transactions (a) - - 1,155 Wealth management fees 7,037 7,358 6,279 Other (a) 1,123 698 1,243 Total non-interest income $ 19,260 $ 17,937 $ 17,170 (a) Not within the scope of ASC 606 A description of the Company’s revenue streams accounted in accordance with ASC 606 as follows: Service charges on Deposit Accounts Interchange Income: Wealth Management fees: Gains/Losses on Sales of Other real Estate Owned “OREO”:

Operating Leases

Operating Leases	12 Months Ended
	Dec. 31, 2022
Operating Leases [Abstract]
Operating Leases	(17) 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 December 31, 2022, the Company did not have any leases with terms of twelve months or less. As of December 31, 2022 the Company did not have any leases for which any related construction had not yet started. Other information related to leases was as follows: (dollars in thousands) 2022 2021 2020 Operating lease cost $ 8,213 $ 8,128 $ 8,044 Variable lease cost 2,183 2,015 2,029 Total Lease costs $ 10,396 $ 10,143 $ 10,073 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 8,327 $ 8,192 $ 8,042 Right-of-use assets obtained in exchange for lease obligations: $ 3,089 $ 6,588 $ 2,548 Weighted average remaining lease term (years) 8.9 9.3 9.0 Weighted average discount rate 3.0 % 3.0 % 3.2 % Future minimum lease payments under non-cancellable leases as of December 31, 2022 were as follows: (dollars in thousands) Year ending December 31, 2023 $ 8,310 2024 8,202 2025 7,795 2026 6,820 2027 5,541 Thereafter 19,260 Total lease payments $ 55,928 Less: Interest 6,948 Present value of lease liabilities $ 48,980 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 future lease payments from the Company to those entities, which are included in the table above, at December 31, 2022, were $3.2 million, which includes interest in the amount of $400 thousand. As of December 31, 2022 and 2021, the operating lease right-of-use asset was $44.7 million and $48.1 million, respectively.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2022
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	(18) Recent Accounting Pronouncements Staff Accounting Bulletin (“SAB”) No. 121 - In March 2022, the SEC issued SAB No. 121. This SAB adds interpretive guidance for entities to consider when they have obligations to safeguard crypto-assets held for their platform users. Specifically, this SAB provides interpretive guidance on the accounting and disclosure of obligations to safeguard crypto-assets held for platform users. This guidance was applicable no later than the financial statement covering the first interim or annual period ending after June 15, 2022. The Company reviewed its business activities as of the date of adoption, June 30, 2022, and determined that SAB 121 is not materially impactful to the financial statements. Management has continued to monitor it on a quarterly basis and has determined that SAB 121 is not materially impactful to the financial statements as of December 31, 2022. 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 Company adopted the ASU on January 1, 2023 and the adoption is not expected to have a material impact to the Company however, new disclosures will be added.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2022
Parent Company Only [Abstract]
Parent Company Only	(19) Parent Company Only The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Comprehensive Income (dollars in thousands) Years ended December 31, 2022 2021 2020 Income: Dividends and interest from subsidiaries $ 34,125 34,096 31,100 Net gain on securities transactions - - - Miscellaneous income - - - Total income 34,125 34,096 31,100 Expense: Operating supplies - 21 20 Professional services 585 819 655 Miscellaneous expense 1,752 3,419 1,666 Total expense 2,337 4,259 2,341 Income before income taxes and subsidiaries’ undistributed earnings 31,788 29,837 28,759 Income tax benefit (559 ) (972 ) (558 ) Income before subsidiaries’ undistributed earnings 32,347 30,809 29,317 Equity in undistributed earnings of subsidiaries 42,887 30,710 23,135 Net income $ 75,234 61,519 52,452 Change in other comprehensive (loss) income (39,341 ) 211 7,475 Comprehensive income $ 35,893 61,730 59,927 Statements of Condition (dollars in thousands) December 31, 2022 2021 Assets: Cash in subsidiary bank $ 25,079 26,725 Investments in subsidiaries 583,370 583,307 Securities available for sale 36 36 Other assets 809 681 Total assets 609,294 610,749 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 9,307 9,621 Total liabilities 9,307 9,621 Shareholders’ equity 599,987 601,128 Total liabilities and shareholders’ equity $ 609,294 610,749 Statements of Cash Flows (dollars in thousands) Years ended December 31, 2022 2021 2020 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 75,234 61,519 52,452 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (42,887 ) (30,710 ) (23,135 ) Stock based compensation expense - - 15 Net change in other assets and accrued expenses (440 ) 354 515 Total adjustments (43,327 ) (30,356 ) (22,605 ) Net cash provided by operating activities 31,907 31,163 29,847 Cash flows from investing activities: Purchases of securities available for sale - - (1 ) Net cash used in investing activities - - (1 ) Cash flows from financing activities: Cash used to settle fractional shares in the Reverse Stock Split - (200 ) - Proceeds from exercise of stock options 429 260 - Dividends paid (26,978 ) (26,266 ) (26,317 ) Payments to acquire treasury stock (7,004 ) (2,386 ) (3,493 ) Proceeds from sales of treasury stock - - - Net cash used in financing activities (33,553 ) (28,592 ) (29,810 ) Net increase in cash and cash equivalents (1,646 ) 2,571 36 Cash and cash equivalents at beginning of year 26,725 24,154 24,118 Cash and cash equivalents at end of year $ 25,079 26,725 24,154

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2022
Basis of Presentation [Abstract]
Consolidation	Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions.
Reverse Stock Split	Reverse Stock Split Effective as of May 28, 2021, the Company completed a 1 -for -5
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Securities Available for Sale and Held to Maturity (Debt Securities)	Securities Available for Sale and Held to Maturity (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. 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 non-accrual 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. The Company measures expected credit losses on securities held to maturity debt on a collective basis. Accrued interest receivable on held to maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers nature of the Issuer, historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. The Company evaluates securities available for sale in an unrealized loss position for other than temporary impairment (“OTTI”) by first assessing whether it intends to sell or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For available for sale debt securities that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than amortized cost, any changes to the rating of security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows 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 recognized in other comprehensive income.
Federal Reserve Bank of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock	Federal Reserve Bank of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank was also a member of the Federal Reserve Bank of New York until it discontinued its membership in 2020 and the Reserve Bank stock was redeemed. Prior to the stock redemption, the Reserve Bank stock was carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received were reported as income
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 from mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent. Non-accrual loans are individually reviewed and charged off at 180 days past due. Commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on non-accrual 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 non-accrual 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.
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 the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans 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. Accrued interest receivable is excluded from the estimate of credit losses. The level of the ACLL represents management’s estimate of expected credit losses over the expected life of the loans at the balance sheet date. he level of the ACLL is based on management’s ongoing review of all relevant information, from internal and external sources, relating to past and current events, utilizing an 8-quarter The ACLL is measured on a collective (pool) basis when similar risk characteristics exist. The Company evaluates its risk characteristics of loans based on regulatory call report code with sub-segmentation based on geographic territory (New York and Florida). Risk characteristics relevant to each portfolio segment are as follows: Commercial: ‑ Residential real estate: one‑ ‑ Installment: Loans that do not share risk characteristics are evaluated on an individual basis, which the Company has determined are non-accrual loans that have been delinquent 180 days or greater, commercial non-accrual loans and loans identified as troubled debt restructuring (“TDR”). Loans evaluated individually are not also included in the collective evaluation. Estimates of specific allowance may be determined by the present value of anticipated future cash flows or the loan’s observable fair market value, or the fair value of the collateral less costs to sell, if the loan is collateral dependent. However, for collateral dependent loans, the amount of the amortized cost in a loan that exceeds the fair value of the collateral is charged-off against the allowance for credit losses on loans in lieu of an allocation of a specific allowance amount when such an amount has been identified definitively as uncollectible. 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 was no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. The TDR that have subsequently defaulted 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. The allowance for unfunded commitments is maintained at a level by the Company determined to be sufficient to absorb expected lifetime losses related to unfunded credit facilities (including unfunded loan commitments and letters of credit). The allowance for unfunded commitments is recorded as a separate liability and is included with Accrued expenses and other liabilities on the consolidated statements of condition. Changes in the reserve are recorded through the provision for credit losses on the consolidated statements of income. Prior to the adoption of CECL, the Company calculated the allowance for loan losses under the incurred loss methodology.
Bank Premises and Equipment	Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight ‑
Other Real Estate Owned	Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2022 and 2021, there were $2.1 million and $362 thousand, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition.
Income Taxes	Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded.
Dividend Restrictions	Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation, or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2023, the Bank could declare dividends of approximately $96.7 million plus any 2023 net profits retained to the date of the dividend declaration.
Benefit Plans	Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees who participated in the plan before it was frozen as of December 31, 2006. The benefits are based on years of service and the employee’s compensation The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive income (loss).
Stock-Based Compensation Plans	Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re ‑
Earnings Per Share	Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share ‑ ‑
Segment Reporting	Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid ‑
Cash and Cash Equivalents	Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes.
Trust Assets	Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity.
Comprehensive Income	Comprehensive Income Comprehensive income represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax.
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
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 also 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. One 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. The Company adopted CECL using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet 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 (included in other assets) - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits $ 349,056 $ (3,470 ) $ 345,586
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 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 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 A debt security is placed on non-accrual 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. There were no debt securities for which other-than-temporary impairment had been recognized prior to January 1, 2022.
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 $33 thousand and is excluded from the estimate of credit losses. Historically the Company has not experienced uncollectible accrued interest receivable on its 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 pertained 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.

Basis of Presentation (Tables)

Basis of Presentation (Tables)	12 Months Ended
	Dec. 31, 2022
Basis of 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 (included in other assets) - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits $ 349,056 $ (3,470 ) $ 345,586

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 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: (dollars in thousands) December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 124,123 $ 1 $ 5,937 $ 118,187 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 291,431 34 31,149 260,316 Corporate bonds 85,641 - 4,295 81,346 Small Business Administration - guaranteed participation securities 23,115 - 2,138 20,977 Other 686 - 33 653 Total securities available for sale $ 525,030 $ 35 $ 43,552 $ 481,513 (dollars in thousands) December 31, 2021 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, Calls/Paydowns and Maturities of Securities Available for Sale, Gross Realized Gains and Gross Realized Losses	The proceeds from sales, calls/paydowns and maturities of securities available for sale, and gross realized gains and gross realized losses from sales during , and are as follows: Years ended December 31, (dollars in thousands) 2022 2021 2020 Proceeds from sales $ - $ - $ 29,219 Proceeds from calls/paydowns 68,954 148,609 247,624 Proceeds from maturities 15,057 9,162 10,007 Gross realized gains - - 1,155 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: December 31, 2022 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,707 $ 90 $ 217 $ 7,580 Total held to maturity $ 7,707 $ 90 $ 217 $ 7,580 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 Held in Available For Sale and Held to Maturity Greater Than 10% of Shareholders Equity	The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2022 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 184,850 $ 98,072 Federal Home Loan Mortgage Corporation 107,800 165,309
Securities Available for Sale [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table categorizes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 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 are shown separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 5,044 $ 5,019 Due in after one year through five years 205,440 195,201 Mortgage backed securities and collateralized mortgage obligations - residential 291,431 260,316 Small Business Administration - guaranteed participation securities 23,115 20,977 $ 525,030 $ 481,513
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: (dollars in thousands) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 57,849 $ 1,290 $ 55,337 $ 4,647 $ 113,186 $ 5,937 Mortgage backed securities and collateralized mortgage obligations - residential 164,772 13,010 93,009 18,139 257,781 31,149 Corporate bonds 52,805 2,395 28,542 1,900 81,347 4,295 Other 49 1 568 32 617 33 Small Business Administration - guaranteed participation securities 802 71 20,175 2,067 20,977 2,138 Total $ 276,277 $ 16,767 $ 197,631 $ 26,785 $ 473,908 $ 43,552 (dollars in thousands) December 31, 2021 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. 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 categorizes the debt securities included in the held to maturity portfolio as of December 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 shown separately. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,707 7,580 $ 7,707 7,580
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 3,327 206 258 11 3,585 217 Total $ 3,327 206 258 11 3,585 217 (dollars in thousands) December 31, 2021 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 442 1 - - 442 1 Total $ 442 1 - - 442 1

Loan Portfolio and Allowance _2

Loan Portfolio and Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 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: December 31, 2022 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 177,371 $ 32,551 $ 209,922 Other 20,221 868 21,089 Real estate mortgage - 1 to 4 family: First mortgages 2,776,989 1,369,913 4,146,902 Home equity loans 43,999 12,550 56,549 Home equity lines of credit 191,926 94,506 286,432 Installment 9,408 2,899 12,307 Total loans, net $ 3,219,914 $ 1,513,287 4,733,201 Less: Allowance for credit losses 46,032 Net loans $ 4,687,169 *Includes New York, New Jersey, Vermont and Massachusetts. Prior to the adoption of CECL on January 1, the Company calculated allowance for loan losses using the incurred losses methodology. 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 * Includes New York, New Jersey, Vermont and Massachusetts.
Impact of Adoption in Allowance for Credit Losses by Portfolio Segment	The following table presents the impact of the January adoption entry in the allowance for credit losses on loans by loan type: (dollars in s) December Pre-Adoption Balance Impact of Adoption January Post CECL Adoption Total Total Commercial: Commercial real estate $ 3,121 (1,100 ) 2,021 Other 14 114 128 Real estate mortgage - to 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 for the year ended December is summarized as follows: For the year ended December 31, 2022 (dollars in s) Commercial Real Estate Mortgage- 1 to Family Installment Total Balance at beginning of period $ 3,135 $ 40,689 $ 443 $ 44,267 Impact of ASU - Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January as adjusted for ASU - 2,149 44,406 65 46,620 Loans charged off: New York and other states* 40 24 87 151 Florida - - 1 1 Total loan chargeoffs 40 24 88 152 Recoveries of loans previously charged off: New York and other states* 4 450 7 461 Florida - - 3 3 Total recoveries 4 450 10 464 Net loans (recoveries) charged off 36 (426 ) 78 (312 ) (Credit) provision for credit losses 483 (1,561 ) 178 (900 ) Balance at end of period $ 2,596 $ 43,271 $ 165 $ 46,032 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2021 is summarized as follows: For the year ended December 31, 2021 (dollars in s) Commercial Real Estate 1 to Family Installment Total Balance at beginning of period $ 4,140 $ 44,950 $ 505 $ 49,595 Loans charged off: New York and other states* 30 339 58 427 Florida - 1 2 3 Total loan chargeoffs 30 340 60 430 Recoveries of loans previously charged off: New York and other states* 32 464 54 550 Florida - 2 - 2 Total recoveries 32 466 54 552 Net loan recoveries (2 ) (126 ) 6 (122 ) (Credit) provision for loan losses (1,007 ) (4,387 ) (56 ) (5,450 ) Balance at end of period $ 3,135 $ 40,689 $ 443 $ 44,267 * Includes New York, New Jersey, Vermont and Massachusetts. For the year ended December 31, 2020 Real Estate Mortgage- (dollars in thousands) Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 3,999 39,748 570 44,317 Loans charged off: New York and other states* 36 404 187 627 Florida - - 34 34 Total loan chargeoffs 36 404 221 661 Recoveries of loans previously charged off: New York and other states* 10 314 12 336 Florida - 3 - 3 Total recoveries 10 317 12 339 Net loans charged off 26 87 209 322 Provision for loan losses 167 5,289 144 5,600 Balance at end of period $ 4,140 44,950 505 49,595
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 December 31, 2022: December 31, 2022 (dollars in thousands) Commercial Loans 1-to-4 Family Residential Real Estate Installment Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,596 43,271 165 46,032 Total ending allowance balance $ 2,596 43,271 165 46,032 Loans: Individually evaluated for impairment $ 646 24,967 82 25,695 Collectively evaluated for impairment 230,365 4,464,916 12,225 4,707,506 Total ending loans balance $ 231,011 4,489,883 12,307 4,733,201 Prior to the adoption of CECL on January 1, 2022, the Company calculated allowance for loan losses using the incurred losses methodology. The balance in the allowance for loan losses by portfolio segment is summarized as follows: 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
Impaired Loans by Loan Class	The following table presents impaired loans by loan class as of December 31, 2021 only: 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.
Allowance for Credit Losses on Unfunded Commitments	The Company’s activity in the allowance for credit losses on unfunded commitments were as follows: (In s) For the year ended December 31, Balance at January $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January 2,353 Provision for credit losses 559 Balance at December $ 2,912
Risk Category Loans by Class of Loans	As of December and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: Loan Credit Quality (in s) December 31, Term Loans Amortized Cost Basis by Origination Year Commercial : 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 79,430 $ 29,991 $ 18,708 $ 22,790 $ 16,598 $ 32,666 $ 8,022 $ - $ 208,205 Special Mention - - 62 - 243 - - - 305 Substandard - - 113 - 128 1,171 - - 1,412 Total Commercial Loans $ 79,430 $ 29,991 $ 18,883 $ 22,790 $ 16,969 $ 33,837 $ 8,022 $ - $ 209,922 Commercial Loans: Current-period Gross writeoffs $ - - - - - 40 - - $ 40 $ - - - - - 40 - - $ 40 Commercial Other: Risk rating Pass $ 2,972 $ 2,848 $ 2,273 $ 590 $ 674 $ 2,348 $ 8,908 - $ 20,613 Special mention - - - - - - 39 - 39 Substandard - 339 - - - 98 - - 437 Total Commercial Real Estate Loans $ 2,972 $ 3,187 $ 2,273 $ 590 $ 674 $ 2,446 $ 8,947 $ - $ 21,089 Other Commercial Loans: Current-period Gross writeoffs $ - - - - - - - - - $ - - - - - - - - $ - Residenti al First Mo Risk rating Performing $ 557,981 $ 933,754 $ 784,511 $ 368,137 $ 257,926 $ 1,228,776 $ 1,472 $ - $ 4,132,557 Nonperforming - 496 81 844 351 12,573 - - 14,345 Total Mortgage: $ 557,981 $ 934,250 $ 784,592 $ 368,981 $ 258,277 $ 1,241,349 $ 1,472 $ - $ 4,146,902 Residential Mortgage Loans: Current-period Gross writeoffs $ - - - - - 5 - - $ 5 $ - - - - - 5 - - $ 5 Home Equity Lines: Risk rating Performing $ 6,863 $ 9,124 $ 6,322 $ 7,588 $ 5,240 $ 21,217 $ - $ - $ 56,354 Nonperforming - - - - 66 129 - - 195 Total Home Equity Lines: $ 6,863 $ 9,124 $ 6,322 $ 7,588 $ 5,306 $ 21,346 $ - $ - $ 56,549 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 1,369 $ 1,246 $ 740 $ 52 $ 100 $ 18,377 $ 262,244 $ - $ 284,128 Nonperforming - 7 - - - 2,111 186 - 2,304 Total Home Equity Credit Lines: $ 1,369 $ 1,253 $ 740 $ 52 $ 100 $ 20,488 $ 262,430 $ - $ 286,432 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 19 $ - $ - $ 19 $ - $ - $ - $ - $ - $ 19 $ - $ - $ 19 Installments: Risk rating Performing $ 6,385 $ 2,495 $ 805 $ 709 $ 374 $ 308 $ 1,125 $ - $ 12,201 Nonperforming 20 17 - 65 - 1 3 - 106 Total Installments $ 6,405 $ 2,512 $ 805 $ 774 $ 374 $ 309 $ 1,128 $ - $ 12,307 Installments Loans: Current-period Gross writeoffs $ 1 $ 47 $ 22 $ 7 $ 2 $ 9 $ - $ - $ 88 $ 1 $ 47 $ 22 $ 7 $ 2 $ 9 $ - $ - $ 88 As of December the risk category of loans by class of loans was 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, Vermont 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 December 31, 2022 New York and other states*: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) Commercial: Commercial real estate $ - - 161 161 177,210 177,371 Other 18 - 20 38 20,183 20,221 Real estate mortgage - 1 to 4 family: First mortgages 4,262 921 7,203 12,386 2,764,603 2,776,989 Home equity loans 283 - 67 350 43,649 43,999 Home equity lines of credit 978 - 591 1,569 190,357 191,926 Installment 78 4 23 105 9,303 9,408 Total $ 5,619 925 8,065 14,609 3,205,305 3,219,914 Florida: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) Commercial: Commercial real estate $ - - - - 32,551 32,551 Other - - 314 314 554 868 Real estate mortgage - 1 to 4 family: First mortgages 1,183 243 1,404 2,830 1,367,083 1,369,913 Home equity loans 51 - - 51 12,499 12,550 Home equity lines of credit 224 - - 224 94,282 94,506 Installment 6 - 83 89 2,810 2,899 Total $ 1,464 243 1,801 3,508 1,509,779 1,513,287 Total: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) Commercial: Commercial real estate $ - - 161 161 209,761 209,922 Other 18 - 334 352 20,737 21,089 Real estate mortgage - 1 to 4 family: First mortgages 5,445 1,164 8,607 15,216 4,131,686 4,146,902 Home equity loans 334 - 67 401 56,148 56,549 Home equity lines of credit 1,202 - 591 1,793 284,639 286,432 Installment 84 4 106 194 12,113 12,307 Total $ 7,083 1,168 9,866 18,117 4,715,084 4,733,201 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the aging of the recorded investment in past due loans by loan class and by region as of December 31, 2021: December 31, 2021 New York and other states*: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) 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: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) 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: 30-59 Days Past Due 60-89 Days Past Due 90 + Days Past Due Total 30+ days Past Due Current Total Loans (dollars in thousands) 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: December 31, 2022 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 199 $ - $ 199 Other 20 314 334 Real estate mortgage - 1 to 4 family: First mortgages 12,609 1,736 14,345 Home equity loans 153 42 195 Home equity lines of credit 2,187 117 2,304 Installment 23 83 106 Total non-accrual loans 15,191 2,292 17,483 Restructured real estate mortgages - 1 to 4 family 10 - 10 Total nonperforming loans $ 15,201 $ 2,292 $ 17,493 * Includes New York, New Jersey, Vermont and Massachusetts. N on-accrual loans as of December 31, 2021 were as follows: 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 days still accruing: D ecember 31, (dollars in s) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance for Credit Loss Loans Past Due Over Days Still Accruing Commercial: Commercial real estate $ 160 $ 39 - Other 20 314 - Real estate mortgage - to family: First mortgages 13,502 843 - Home equity loans 129 66 - Home equity lines of credit 2,257 47 - Installment 82 24 - Total loans, net $ 16,150 $ 1,333 -
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 December : Type of Collateral (dollars in s) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 312 - - Other 334 - - Real estate mortgage - to family: First mortgages 21,467 - - Home equity loans 236 - - Home equity lines of credit 3,264 - - Installment 82 - - Total $ 25,695 - -
Modified Loans by Class That Were Determined to be TDR's	The following table presents, by class, loans that were modified as TDRs: Twelve months ended December 31, 2022 Twelve months ended December 31, 2021 Year ended 12/31/20 New York and other states*: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial: Commercial real estate - $ - - - $ - - 1 $ 125 125 Real estate mortgage - 1 to 4 family: First mortgages 11 1,587 1,587 6 1,114 1,114 12 2,303 2,303 Home equity loans - - - 1 2 2 - - - Home equity lines of credit - - - 2 40 40 3 169 169 Total 11 $ 1,587 1,587 9 $ 1,156 1,156 16 $ 2,597 2,597 Florida: (dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment 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 1 119 119 1 77 77 4 586 586 Home equity loans - - - - - - - - - Home equity lines of credit - - - 1 50 50 - - - Total 1 $ 119 119 2 $ 127 127 4 $ 586 586 * Includes New York, New Jersey, Vermont and Massachusetts.

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2022
Bank Premises and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at December 31, 2022 and 2021 follows: (dollars in thousands) 2022 2021 Land $ 2,426 $ 2,443 Buildings 36,260 36,327 Furniture, fixtures and equipment 60,320 58,163 Leasehold improvements 34,860 33,918 Total bank premises and equipment 133,866 130,851 Accumulated depreciation and amortization (101,310 ) (97,824 ) Total $ 32,556 $ 33,027

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2022
Deposits [Abstract]
Interest Expense on Deposits	Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2022 2021 2020 Interest bearing checking accounts $ 190 $ 178 $ 148 Savings accounts 920 624 716 Time deposits and money market accounts 4,617 5,863 22,834 Total $ 5,727 $ 6,665 $ 23,698
Maturity of Total Time Deposits	At December 31, 2022, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 883,218 1 to 2 years 50,972 2 to 3 years 3,378 3 to 4 years 660 4 to 5 years 90,431 Over 5 years 104 $ 1,028,763

Short-Term Borrowings (Tables)

Short-Term Borrowings (Tables)	12 Months Ended
	Dec. 31, 2022
Short-Term Borrowings [Abstract]
Short-Term Borrowings	Short-term borrowings of the Company were cash management accounts as follows: (dollars in thousands) 2022 2021 2020 Amount outstanding at December 31, $ 122,700 $ 244,686 $ 214,755 Maximum amount outstanding at any month end 253,219 244,686 213,043 Average amount outstanding 177,599 232,815 180,065 Weighted average interest rate: For the year 0.42 % 0.39 % 0.56 % As of year end 0.86 0.37 0.47

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2022
Income Taxes [Abstract]
Summary of Income Tax Expense	A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2022 2021 2020 Current tax expense: Federal $ 17,136 $ 17,657 $ 15,662 State 2,933 3,195 2,399 Total current tax expense 20,069 20,852 18,061 Deferred tax (benefit) expense 4,114 (238 ) (1,067 ) Total income tax expense $ 24,183 $ 20,614 $ 16,994
Tax Effects of Temporary Differences	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2022 and 2021, are as follows: As of December 31, (dollars in thousands) 2022 2021 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (8,478 ) $ (7,335 ) Difference in reporting the allowance for loan losses, net 12,424 12,369 Other income or expense not yet reported for tax purposes 420 1,907 Depreciable assets (2,389 ) (2,068 ) Net deferred tax asset at end of year 1,977 4,873 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) 1,218 - Net deferred tax asset at beginning of year 4,873 4,635 Deferred tax expense (benefit) $ 4,114 $ (238 )
Effective Income Tax Rate	The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the year ended December 31, 2022 2021 2020 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % Increase/(decrease) in taxes resulting from: State income tax, net of federal tax benefit 3.0 3.2 2.4 Other items 0.3 0.9 1.1 Effective income tax rate 24.3 % 25.1 % 24.5 %

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2022
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Component of Other Comprehensive income (Loss) Related to Retirement Plan and Post-retirement Benefit Plan	The following table details the change in the components of other comprehensive income (loss) related to the retirement plan and the postretirement benefit plan, at December 31, 2022 and 2021, respectively: (dollars in thousands) December 31, 2022 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ 4,869 $ 3,397 $ 8,266 Amortization of net actuarial gain - 1,008 1,008 Amortization of prior service credit - 313 313 Total $ 4,869 $ 4,718 $ 9,587 December 31, 2021 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (7,439 ) $ (3,469 ) $ (10,908 ) Prior service cost - 611 611 Amortization of net actuarial gain - 674 674 Amortization of prior service cost - (405 ) (405 ) Total $ (7,439 ) $ (2,589 ) $ (10,028 )
Asset Allocation of Pension and Postretirement Benefit Plans	The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2022 2021 2022 2021 Debt Securities 30 % 33 % 29 % 32 % Equity Securities 59 62 57 63 Other 11 5 14 5 Total 100 % 100 % 100 % 100 %
Fair Value of Plan Assets by type of Financial Instrument and Level Hierarchy	The fair value of the plan assets at December 31, 2022 and 2021, by asset category, is as follows: Fair Value Measurements at Retirement Plan (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) Plan Assets Cash and cash equivalents $ 5,734 $ 5,734 $ - $ - Equity mutual funds 30,972 30,972 - - U.S. government sponsored enterprises 15,423 - 15,423 - Fixed income mutual funds 544 544 - - Total Plan Assets $ 52,673 $ 37,250 $ 15,423 $ - Fair Value Measurements at December 31, 2022 Using: Postretirement Benefits (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) Plan Assets Cash and cash equivalents $ 3,945 $ 3,945 $ - $ - Equity mutual funds 16,646 16,646 - - U.S. government sponsored enterprises 8,397 - 8,397 - Total Plan Assets $ 28,988 $ 20,591 $ 8,397 $ - Fair Value Measurements at December 31, 2021 Using: Retirement Plan (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) Plan Assets Cash and cash equivalents $ 3,075 $ 3,075 $ - $ - Equity mutual funds 39,249 39,249 - - U.S. government sponsored enterprises 17,032 - 17,032 - Corporate bonds 3,041 - 3,041 - Fixed income mutual funds 669 669 - - Total Plan Assets $ 63,066 $ 42,993 $ 20,073 $ - Fair Value Measurements at December 31, 2021 Using: Postretirement Benefits (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) Plan Assets Cash and cash equivalents $ 1,600 $ 1,600 $ - $ - Equity mutual funds 21,005 21,005 - - U.S. government sponsored enterprises 8,712 - 8,712 - Corporate bonds 2,027 - 2,027 - Total Plan Assets $ 33,344 $ 22,605 $ 10,739 $ -
Summary of the Status of Stock Option Plans	Under the 2019 Equity Incentive Plan, the exercise price of each option may not be less than of the fair value of the Company’s stock on the date of grant, and for an Incentive Stock Option (ISO) granted to a ten-percent , from the date the options were granted. A summary of the status of TrustCo’s stock option awards as of December 31, 2022 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2022 90,311 $ 34.38 New options awarded - 2022 - - Expired options - 2022 (1,000 ) 25.85 Options forfeited - 2022 - - Exercised options - 2022 (12,458 ) 34.47 Balance, December 31, 2022 76,853 $ 34.48 1.83 years Exercisable Options Balance, December 31, 2022 76,853 $ 34.48 1.83 years
Restricted Share Units	Restricted share units Outstanding Units Balance, December 31, 2021 82,632 New awards granted 43,072 Forfeited awards (1,865 ) Awards settled (40,611 ) Balance, December 31, 2022 83,228
Performance Share Units	Performance share units Performance share units Outstanding Units Balance, December 31, 2021 145,115 New awards granted 38,255 Forfeited awards (9,365 ) Awards settled (18,372 ) Balance, December 31, 2022 155,633
Retirement Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Projected/Accumulated Benefit Obligation	The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2022 and 2021: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2022 2021 Projected benefit obligation at beginning of year $ 30,905 $ 33,504 Interest cost 888 856 Benefit payments and expected expenses (1,823 ) (2,142 ) Net actuarial (gain) loss (6,928 ) (1,313 ) Projected benefit obligation at end of year $ 23,042 $ 30,905
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2022 2021 Fair value of plan assets at beginning of year $ 33,344 $ 29,126 Actual (loss) gain on plan assets (4,341 ) 4,243 Company contributions 57 55 Benefits paid and actual expenses (72 ) (80 ) Fair value of plan assets at end of year 28,988 33,344 Funded status at end of year $ 24,095 $ 26,328
Amounts Recognized in Accumulated Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income (loss) consist of the following as of: December 31, 2022 2021 Net actuarial loss (gain) $ 1,170 $ (6,038 )
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss)	Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss): For the years ended December 31, (dollars in thousands) 2022 2021 2020 Service cost $ - $ - $ 37 Interest cost 888 856 1,076 Expected return on plan assets (3,227 ) (2,846 ) (3,020 ) Net periodic pension credit (2,339 ) (1,990 ) (1,907 ) Net actuarial loss (gain) included in other comprehensive income (loss) 4,869 (7,439 ) (386 ) Total recognized in other comprehensive income (loss) 4,869 (7,439 ) (386 ) Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss) $ 2,530 $ (9,429 ) $ (2,293 )
Estimated Future Benefit Payments	Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2023 $ 1,686 2024 1,705 2025 1,721 2026 1,741 2027 1,738 2028 - 2032 8,824
Assumptions used to Determine Benefit Obligation and Net Periodic Expense	The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2022 2021 2020 Discount rate 5.44 % 2.96 % 2.65 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2022 2021 2020 Discount rate 2.96 % 2.65 % 3.56 % Expected long-term rate of return on assets, net of tax 4.00 4.00 4.50
Postretirement Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Projected/Accumulated Benefit Obligation	Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2022 2021 Accumulated benefit obligation at beginning of year $ 7,016 $ 6,609 Service cost 18 75 Interest cost 207 190 Prior Service cost - 611 Benefits paid (72 ) (80 ) Net actuarial gain (2,276 ) (389 ) Accumulated benefit obligation at end of year $ 4,893 $ 7,016
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2022 2021 Fair Value of plan assets at beginning of year $ 63,066 $ 56,237 Actual (loss) gain on plan assets (8,532) 8,952 Benefit payments and actual expenses (1,861 ) (2,123 ) Fair value of plan assets at end of year 52,673 63,066 Funded status at end of year $ 29,631 $ 32,161
Amounts Recognized in Accumulated Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income consist of the following as of: (dollars in thousands) December 31, 2022 2021 Net actuarial gain $ (5,760 ) $ (10,165 ) Prior service cost (credit) 81 (232 ) Total $ (5,679 ) $ (10,397 )
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss)	Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) December 31, 2022 2021 2020 Service cost $ 18 $ 75 $ 73 Interest cost 207 190 203 Expected return on plan assets (1,332 ) (1,163 ) (1,183 ) Amortization of net actuarial gain (1,008 ) (674 ) (708 ) Amortization of prior service (credit) cost (313 ) 405 (196 ) Net periodic benefit credit (2,428 ) (1,167 ) (1,811 ) Net loss (gain) 3,397 (3,469 ) (1,295 ) Amortization of prior service credit (cost) 313 (405 ) 196 Prior service cost - 611 - Amortization of net gain 1,008 674 708 Total amount recognized in other comprehensive loss 4,718 (2,589 ) (391 ) Total amount recognized in net periodic benefit cost and other comprehensive loss $ 2,290 $ (3,756 ) $ (2,202 )
Estimated Future Benefit Payments	Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2023 $ 112 2024 128 2025 151 2026 176 2027 191 2028 - 2032 1,454
Assumptions used to Determine Benefit Obligation and Net Periodic Expense	The assumptions used to determine benefit obligations at December 31 are as follows: 2022 2021 2020 Discount rate 5.44 % 2.96 % 2.65 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2022 2021 2020 Discount rate 2.96 % 2.65 % 3.56 % Expected long-term rate of return on assets 5.25 5.25 6.00

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2022
Earnings Per Share [Abstract]
Reconciliation of the Component Parts of Earnings per Share	A reconciliation of the component parts of earnings per share for 2022, 2021, and 2020 follows: (dollars in thousands, except per share data) For the years ended December 31, 2022 2021 2020 Net income $ 75,234 $ 61,519 $ 52,452 Weighted average common shares (1) 19,131 19,259 19,301 Effect of dilutive common stock options (1) 2 4 2 Weighted average common shares including potential dilutive shares (1) 19,133 19,263 19,303 Basic EPS (1) $ 3.93 $ 3.19 $ 2.72 Diluted EPS (1) $ 3.93 $ 3.19 $ 2.72 (1) Share and per share amounts have been adjusted for all periods presented for the 1 for 5

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2022
Fair Value [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 December 31, 2022 Using: (dollars in s) 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 $ 118,187 $ - $ 118,187 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 260,316 - 260,316 - Corporate bonds 81,346 - 81,346 - Small Business Administration - guaranteed participation securities 20,977 - 20,977 - Other 653 - 653 - Total securities available for sale $ 481,513 $ - $ 481,513 $ - Fair Value Measurements at December 31, 2021 Using: (dollars in s) 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 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 December 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 $ 2,061 $ - $ - $ 2,061 Sales comparison approach Adjustments for differences between comparable sales 2% - 47% (18 %) Individually evaluated loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach 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 approach Adjustments for differences between comparable sales N/A
Carrying Amounts and Estimated Fair Values of Financial Instruments	In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2022 and 2021 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2022 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 650,599 650,599 - - 650,599 Securities available for sale 481,513 - 481,513 - 481,513 Held to maturity securities 7,707 - 7,580 - 7,580 Federal Reserve Bank and Federal Home Loan Bank stock 5,797 N/A N/A N/A N/A Net loans 4,687,169 - - 4,328,508 4,328,508 Accrued interest receivable 11,492 189 1,866 9,437 11,492 Financial liabilities: Demand deposits 838,147 838,147 - - 838,147 Interest bearing deposits 4,354,663 3,325,900 1,012,528 - 4,338,428 Short-term borrowings 122,700 - 122,700 - 122,700 Accrued interest payable 602 60 542 - 602 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2021 Using: 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

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2022
Regulatory Capital Requirements [Abstract]
Summary of Actual Capital Amounts and Ratios	The following is a summary of actual capital amounts and ratios as of December 31, 2022 and 2021, for Trustco Bank: As of December 31, 2022 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 609,998 10.116 % 5.000 % 4.000 % Common equity Tier 1 capital 609,998 18.431 6.500 7.000 Tier 1 risk-based capital 609,998 18.431 8.000 8.500 Total risk-based capital 651,462 19.684 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 The following is a summary of actual capital amounts and ratios as of December 31, 2022 and 2021 for TrustCo on a consolidated basis. As of December 31, 2022 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 626,628 10.390 % 4.000 % Common equity Tier 1 capital 626,628 18.929 7.000 Tier 1 risk-based capital 626,628 18.929 8.500 Total risk-based capital 668,102 20.182 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 December 31, 2022 and 2021 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2022
Accumulated Other Comprehensive Income [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: December 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)- year ended 12/31/2022 Balance at 12/31/2022 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (26 ) $ (32,245 ) $ - $ (32,245 ) $ (32,271 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 (6,118 ) - (6,118 ) 7,588 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,533 ) (978 ) (978 ) (2,511 ) Accumulated other comprehensive income (loss), net of tax $ 12,147 $ (38,363 ) $ (978 ) $ (39,341 ) $ (27,194 ) December 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)- year ended 12/31/2021 Balance at 12/31/2021 Net unrealized holding gain on securities available for sale, net of tax $ 7,186 $ (7,212 ) $ - $ (7,212 ) $ (26 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 7,622 - 7,622 13,706 Net change in net actuarial gain and prior service cost on pension and pension and postretirement benefit plans, net of tax (1,334 ) (199 ) (199 ) (1,533 ) Accumulated other comprehensive (loss) income, net of tax $ 11,936 $ 410 $ (199 ) $ 211 $ 12,147 December 31, 2020 (dollars in thousands) Balance at 12/31/2019 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2020 Balance at 12/31/2020 Net unrealized holding (loss) gain on securities available for sale, net of tax $ 286 $ 7,755 $ (855 ) $ 6,900 $ 7,186 Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 4,840 1,244 - 1,244 6,084 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (665 ) - (669 ) (669 ) (1,334 ) Accumulated other comprehensive (loss) income, net of tax $ 4,461 $ 8,999 $ (1,524 ) $ 7,475 $ 11,936
Reclassifications out of Accumulated Other Comprehensive Income (Loss)	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2022, 2021 and 2020: (dollars in thousands) Years ended December 31, 2022 2021 2020 Affected Line Item in Financial Statements Unrealized gains on securities available for sale: Realized gain on securities transactions $ - $ - $ 1,155 Net gain on securities transactions Income tax expense - - (300 ) Income taxes Net of tax - - 855 Amortization of pension and postretirement benefit items: Prior Service Cost Amortization of net actuarial gain 1,008 674 708 Salaries and employee benefits Amortization of prior service credit (cost) 313 (405 ) 196 Salaries and employee benefits Income tax benefit (343 ) (70 ) (235 ) Income taxes Net of tax 978 199 669 Total reclassifications, net of tax $ 978 $ 199 $ 1,524

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2022
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	The following table presents the Company’s sources of Non-Interest Income for the years ended December 31, 2022, 2021 and 2020. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) December 31, 2022 2021 2020 Non-interest income Service Charges on Deposits Overdraft fees $ 2,708 $ 2,660 $ 2,665 Other 2,044 1,940 1,629 Interchange Income 6,348 5,281 4,199 Net gain on securities transactions (a) - - 1,155 Wealth management fees 7,037 7,358 6,279 Other (a) 1,123 698 1,243 Total non-interest income $ 19,260 $ 17,937 $ 17,170 (a) Not within the scope of ASC 606

Operating Leases (Tables)

Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2022
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) 2022 2021 2020 Operating lease cost $ 8,213 $ 8,128 $ 8,044 Variable lease cost 2,183 2,015 2,029 Total Lease costs $ 10,396 $ 10,143 $ 10,073
Supplemental Cash Flows Information	Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 8,327 $ 8,192 $ 8,042 Right-of-use assets obtained in exchange for lease obligations: $ 3,089 $ 6,588 $ 2,548 Weighted average remaining lease term (years) 8.9 9.3 9.0 Weighted average discount rate 3.0 % 3.0 % 3.2 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of December 31, 2022 were as follows: (dollars in thousands) Year ending December 31, 2023 $ 8,310 2024 8,202 2025 7,795 2026 6,820 2027 5,541 Thereafter 19,260 Total lease payments $ 55,928 Less: Interest 6,948 Present value of lease liabilities $ 48,980

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2022
Parent Company Only [Abstract]
Statements of Comprehensive Income	Statements of Comprehensive Income (dollars in thousands) Years ended December 31, 2022 2021 2020 Income: Dividends and interest from subsidiaries $ 34,125 34,096 31,100 Net gain on securities transactions - - - Miscellaneous income - - - Total income 34,125 34,096 31,100 Expense: Operating supplies - 21 20 Professional services 585 819 655 Miscellaneous expense 1,752 3,419 1,666 Total expense 2,337 4,259 2,341 Income before income taxes and subsidiaries’ undistributed earnings 31,788 29,837 28,759 Income tax benefit (559 ) (972 ) (558 ) Income before subsidiaries’ undistributed earnings 32,347 30,809 29,317 Equity in undistributed earnings of subsidiaries 42,887 30,710 23,135 Net income $ 75,234 61,519 52,452 Change in other comprehensive (loss) income (39,341 ) 211 7,475 Comprehensive income $ 35,893 61,730 59,927
Statements of Condition	Statements of Condition (dollars in thousands) December 31, 2022 2021 Assets: Cash in subsidiary bank $ 25,079 26,725 Investments in subsidiaries 583,370 583,307 Securities available for sale 36 36 Other assets 809 681 Total assets 609,294 610,749 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 9,307 9,621 Total liabilities 9,307 9,621 Shareholders’ equity 599,987 601,128 Total liabilities and shareholders’ equity $ 609,294 610,749
Statements of Cash Flows	Statements of Cash Flows (dollars in thousands) Years ended December 31, 2022 2021 2020 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 75,234 61,519 52,452 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (42,887 ) (30,710 ) (23,135 ) Stock based compensation expense - - 15 Net change in other assets and accrued expenses (440 ) 354 515 Total adjustments (43,327 ) (30,356 ) (22,605 ) Net cash provided by operating activities 31,907 31,163 29,847 Cash flows from investing activities: Purchases of securities available for sale - - (1 ) Net cash used in investing activities - - (1 ) Cash flows from financing activities: Cash used to settle fractional shares in the Reverse Stock Split - (200 ) - Proceeds from exercise of stock options 429 260 - Dividends paid (26,978 ) (26,266 ) (26,317 ) Payments to acquire treasury stock (7,004 ) (2,386 ) (3,493 ) Proceeds from sales of treasury stock - - - Net cash used in financing activities (33,553 ) (28,592 ) (29,810 ) Net increase in cash and cash equivalents (1,646 ) 2,571 36 Cash and cash equivalents at beginning of year 26,725 24,154 24,118 Cash and cash equivalents at end of year $ 25,079 26,725 24,154

Basis of Presentation, Reverse

Basis of Presentation, Reverse Stock Split (Details)	May 28, 2021 $ / shares	Dec. 31, 2022 $ / shares	Dec. 31, 2021 $ / shares
Reverse Stock Split [Abstract]
Reverse stock split ratio	0.2
Common stock, par value (in dollars per share)	$ 1	$ 1	$ 1

Basis of Presentation, Securiti

Basis of Presentation, Securities Available for Sale and Held to Maturity (Debt Securities) (Details)	12 Months Ended
	Dec. 31, 2022
Securities Available for Sale and Held to Maturity [Abstract]
Non-payment period of loans moved to non-accrual status, debt securities	90 days

Basis of Presentation, Loans (D

Basis of Presentation, Loans (Details)	12 Months Ended
	Dec. 31, 2022
Loans [Abstract]
Non-payment period of loans moved to non-accrual status	90 days
Non accrual loans review and charge off period	180 days

Basis of Presentation, Allowanc

Basis of Presentation, Allowance for Credit Losses on Loans (Details)	12 Months Ended
	Dec. 31, 2022
Allowance for Credit Losses on Loans [Abstract]
Period considered for reasonable and supportable forecast	24 months
Non-payment period of non-accrual loans for individual assessment	180 days
Deferral period of chapter 13 bankruptcies	60 months

Basis of Presentation, Bank Pre

Basis of Presentation, Bank Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2022
Buildings [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	20 years
Buildings [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	40 years
Furniture and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	3 years
Furniture and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	7 years

Basis of Presentation, Other Re

Basis of Presentation, Other Real Estate Owned (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Other Real Estate Owned [Abstract]
Other real estate owned	$ 2,100	$ 362

Basis of Presentation, Dividend

Basis of Presentation, Dividend Restrictions (Details) $ in Millions	Dec. 31, 2022 USD ($)
Dividend Restrictions [Abstract]
Statutory amount available for dividend payments with regulatory approval	$ 96.7

Basis of Presentation, Benefit

Basis of Presentation, Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2022
Benefit Plans [Abstract]
Age at which company provides access to Medicare Supplemental program for retirees	65 years

Basis of Presentation, Segment

Basis of Presentation, Segment Reporting (Details)	12 Months Ended
	Dec. 31, 2022 Segment
Segment Reporting [Abstract]
Number of reportable segment	1

Basis of Presentation, Recently

Basis of Presentation, Recently Adopted Accounting Standards (Details) - USD ($) $ in Thousands	Dec. 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 loan	46,032	$ 44,267
Liabilities and Shareholders' Equity [Abstract]
Undivided Profits	393,831	349,056
Pre-CECL Adoption [Member]
Assets [Abstract]
Allowance for credit losses on loan		44,267
Allowance for credit losses on securities		0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)		0
Total		44,285
Undivided Profits		349,056
Unfunded Loan Commitment [Member]
Assets [Abstract]
Allowance for credit losses on loan	2,912	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 loan	46,620	46,620
Allowance for credit losses on securities		0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)		0
Total		48,973
Undivided Profits		345,586
ASU 2016-13 [Member] | Impact of Adoption [Member]
Assets [Abstract]
Allowance for credit losses on loan	$ 2,353	2,353
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Assets [Abstract]
Allowance for credit losses on loan		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 loan		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 loan		2,353
Allowance for credit losses on securities		0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)		(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

Basis of Presentation, Recent_2

Basis of Presentation, Recently Adopted Accounting Standards, Loans (Details)	12 Months Ended
	Dec. 31, 2022
Loans [Abstract]
Non-payment period of loans moved to non-accrual status	90 days
Non accrual loans review and charge off period	180 days

Basis of Presentation, Recent_3

Basis of Presentation, Recently Adopted Accounting Standards, Allowance for Credit Losses on Loans (Details)	12 Months Ended
	Dec. 31, 2022 Scenario
Allowance for Credit Loss [Abstract]
Number of days past due when loans are considered to be in payment default	90 days
Period considered for reasonable and supportable forecast	24 months
Number of economic scenarios evaluated by management	2
Deferral period of chapter 13 bankruptcies	60 months
Non-payment period of non-accrual loans for individual assessment	180 days

Basis of Presentation, Recent_4

Basis of Presentation, Recently Adopted Accounting Standards, Debt Securities (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Basis of Presentation [Abstract]
Threshold period to place debt security on nonaccrual status	90 days
Other-than-temporary impairment on debt securities	$ 0

Basis of Presentation, Recent_5

Basis of Presentation, Recently Adopted Accounting Standards, Allowance for Credit Losses - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Dec. 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	$ 33
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

Balances at Other Banks (Detail

Balances at Other Banks (Details) - USD ($) $ in Millions	Dec. 31, 2022	Dec. 31, 2021
Balances at Other Banks [Abstract]
Balances at other banks	$ 15.8	$ 69.6

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 525,030	$ 407,717
Gross Unrealized Gains	35	3,895
Gross Unrealized Losses	43,552	3,899
Fair Value	481,513	407,713
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	124,123	59,976
Gross Unrealized Gains	1	0
Gross Unrealized Losses	5,937	797
Fair Value	118,187	59,179
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	34	41
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	34	41
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	291,431	269,907
Gross Unrealized Gains	34	3,367
Gross Unrealized Losses	31,149	2,476
Fair Value	260,316	270,798
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	85,641	45,805
Gross Unrealized Gains	0	157
Gross Unrealized Losses	4,295	625
Fair Value	81,346	45,337
Small Business Administration - Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	23,115	31,303
Gross Unrealized Gains	0	371
Gross Unrealized Losses	2,138	0
Fair Value	20,977	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	33	1
Fair Value	$ 653	$ 684

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized Cost [Abstract]
Due in one year or less	$ 5,044
Due in after one year through five years	205,440
Amortized Cost	525,030	$ 407,717
Fair Value [Abstract]
Due in one year or less	5,019
Due in after one year through five years	195,201
Total securities available for sale	481,513	407,713
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	291,431
Amortized Cost	291,431	269,907
Fair Value [Abstract]
Securities, fair value	260,316
Total securities available for sale	260,316	270,798
Small Business Administration - Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	23,115
Amortized Cost	23,115	31,303
Fair Value [Abstract]
Securities, fair value	20,977
Total securities available for sale	$ 20,977	$ 31,674

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 276,277	$ 159,044
12 months or more - Fair Value	197,631	46,544
Total - Fair Value	473,908	205,588
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	16,767	2,757
12 months or more - Gross Unrealized Loss	26,785	1,142
Total - Gross Unrealized Loss	43,552	3,899
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	57,849	49,279
12 months or more - Fair Value	55,337	9,900
Total - Fair Value	113,186	59,179
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1,290	697
12 months or more - Gross Unrealized Loss	4,647	100
Total - Gross Unrealized Loss	5,937	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	164,772	93,447
12 months or more - Fair Value	93,009	22,098
Total - Fair Value	257,781	115,545
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	13,010	1,888
12 months or more - Gross Unrealized Loss	18,139	588
Total - Gross Unrealized Loss	31,149	2,476
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	52,805	15,670
12 months or more - Fair Value	28,542	14,546
Total - Fair Value	81,347	30,216
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2,395	171
12 months or more - Gross Unrealized Loss	1,900	454
Total - Gross Unrealized Loss	4,295	625
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	49	648
12 months or more - Fair Value	568	0
Total - Fair Value	617	648
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	1	1
12 months or more - Gross Unrealized Loss	32	0
Total - Gross Unrealized Loss	33	$ 1
Small Business Administration - Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	802
12 months or more - Fair Value	20,175
Total - Fair Value	20,977
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	71
12 months or more - Gross Unrealized Loss	2,067
Total - Gross Unrealized Loss	$ 2,138

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Proceeds from sales, calls/paydowns and maturities of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales		$ 0	$ 0	$ 29,219
Proceeds from calls/paydowns		68,954	148,609	247,624
Proceeds from maturities		15,057	9,162	10,007
Gross realized gains	[1]	0	0	1,155
Gross realized losses		0	0	$ 0
Securities available for sale pledged to secure short-term borrowings and for other purposes		171,400	$ 283,200
Available-for-sale, allowance for credit loss		$ 0
[1]Not within the scope of ASC 606.

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 7,707	$ 9,923
Gross Unrecognized Gains	90	773
Gross Unrecognized Losses	217	1
Fair Value	7,580	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	7,707	9,923
Gross Unrecognized Gains	90	773
Gross Unrecognized Losses	217	1
Fair Value	$ 7,580	$ 10,695

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized Cost [Abstract]
Amortized Cost	$ 7,707	$ 9,923
Fair Value [Abstract]
Fair Value	7,580	10,695
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	7,707
Amortized Cost	7,707	9,923
Fair Value [Abstract]
Securities, fair value	7,580
Fair Value	$ 7,580	$ 10,695

Investment Securities, Held-t_3

Investment Securities, Held-to-maturity Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	$ 3,327	$ 442
More than 12 months - Fair value	258	0
Fair Value	3,585	442
Held-to-maturity, allowance for credit loss	0
Held to maturity securities on non-accrual status	0
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	206	1
More than 12 months - Gross Unrecognized Loss	11	0
Gross Unrecognized Losses	217	1
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	3,327	442
More than 12 months - Fair value	258	0
Fair Value	3,585	442
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	206	1
More than 12 months - Gross Unrecognized Loss	11	0
Gross Unrecognized Losses	$ 217	$ 1

Investment Securities, Concentr

Investment Securities, Concentrations (Details) - Stockholders' Equity [Member] $ in Thousands	Dec. 31, 2022 USD ($)
Federal National Mortgage Association [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	$ 184,850
Fair value	98,072
Federal Home Loan Mortgage Corporation [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	107,800
Fair value	$ 165,309

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable [Abstract]
Total loans		$ 4,733,201
Less: Allowance for credit loss on loans		46,032	$ 44,267
Net loans		4,687,169
Total loans, net			4,438,779
Less: Allowance for credit losses on loans			44,267	$ 49,595	$ 44,317
Net loans			4,394,512
Due from officers		20,500	17,900
New loans		7,600
Repayments of loans		5,000
Changes in outstanding loans		0
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	3,219,914
Total loans, net	[1]		3,132,378
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,513,287
Total loans, net			1,306,401
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		36,400	37,300
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans		14,100
Total loans, net			17,900
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans		22,300
Total loans, net			19,400
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans		231,011
Less: Allowance for credit loss on loans		2,596	3,135
Total loans, net			200,200
Less: Allowance for credit losses on loans			3,135	4,140	3,999
Commercial [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]		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		209,922
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]	177,371
Total loans, net	[1]		147,063
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		32,551
Total loans, net			21,653
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans		21,089
Total loans, net			31,484
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	20,221
Total loans, net	[1]		30,889
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		868
Total loans, net			595
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,000
Total loans, net			10,000
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,489,883
Less: Allowance for credit loss on loans		43,271	40,689
Total loans, net			4,229,163
Less: Allowance for credit losses on loans			40,689	44,950	39,748
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,146,902
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]	2,776,989
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		1,369,913
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		56,549
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]	43,999
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		12,550
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		286,432
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]	191,926
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		94,506
Total loans, net			55,842
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans		12,307
Less: Allowance for credit loss on loans		165	443
Total loans, net			9,416
Less: Allowance for credit losses on loans			443	$ 505	$ 570
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	9,408
Total loans, net	[1]		7,368
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		$ 2,899
Total loans, net			$ 2,048
[1]Includes New York, New Jersey, Vermont 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	Dec. 31, 2022	Dec. 31, 2021
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	$ 46,032	$ 44,267
Commercial [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	2,596	3,135
Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	43,271	40,689
Installment [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	165	443
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	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	65
ASU 2016-13 [Member] | Impact of Adoption [Member]
Financing Receivable Allowance For Credit Loss [Abstract]
Allowance for credit losses	2,353	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)	$ (378)

Loan Portfolio and Allowance _5

Loan Portfolio and Allowance for Credit Losses, Allowance for Loan Losses (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 44,267	$ 49,595	$ 44,317
Balance at beginning of period		44,267
Loans charged off [Abstract]
Total loan charge offs		152	430	661
Recoveries of loans previously charged off [Abstract]
Total recoveries		464	552	339
Net loans (recoveries) charged off		(312)	(122)	322
(Credit) provision for credit losses		(900)	(5,450)	5,600
Balance at end of period		46,032	44,267
Balance at end of period			44,267	49,595
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	151	427	627
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	461	550	336
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		1	3	34
Recoveries of loans previously charged off [Abstract]
Total recoveries		3	2	3
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		3,135	4,140	3,999
Balance at beginning of period		3,135
Loans charged off [Abstract]
Total loan charge offs		40	30	36
Recoveries of loans previously charged off [Abstract]
Total recoveries		4	32	10
Net loans (recoveries) charged off		36	(2)	26
(Credit) provision for credit losses		483	(1,007)	167
Balance at end of period		2,596	3,135
Balance at end of period			3,135	4,140
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	40	30	36
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	4	32	10
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	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	39,748
Balance at beginning of period		40,689
Loans charged off [Abstract]
Total loan charge offs		24	340	404
Recoveries of loans previously charged off [Abstract]
Total recoveries		450	466	317
Net loans (recoveries) charged off		(426)	(126)	87
(Credit) provision for credit losses		(1,561)	(4,387)	5,289
Balance at end of period		43,271	40,689
Balance at end of period			40,689	44,950
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	24	339	404
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	450	464	314
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	1	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	2	3
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		443	505	570
Balance at beginning of period		443
Loans charged off [Abstract]
Total loan charge offs		88	60	221
Recoveries of loans previously charged off [Abstract]
Total recoveries		10	54	12
Net loans (recoveries) charged off		78	6	209
(Credit) provision for credit losses		178	(56)	144
Balance at end of period		165	443
Balance at end of period			443	505
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	87	58	187
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	7	54	12
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		1	2	34
Recoveries of loans previously charged off [Abstract]
Total recoveries		3	0	$ 0
ASU 2016-13 [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		46,620
Recoveries of loans previously charged off [Abstract]
Balance at end of period		46,620	46,620
ASU 2016-13 [Member] | Commercial [Member]
Recoveries of loans previously charged off [Abstract]
Balance at end of period		2,149
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Recoveries of loans previously charged off [Abstract]
Balance at end 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
Recoveries of loans previously charged off [Abstract]
Balance at end of period		65	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
Recoveries of loans previously charged off [Abstract]
Balance at end of period		2,353	2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial [Member]
Recoveries of loans previously charged off [Abstract]
Balance at end of period		(986)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Recoveries of loans previously charged off [Abstract]
Balance at end 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)
Recoveries of loans previously charged off [Abstract]
Balance at end of period		$ (378)	$ (378)
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _6

Loan Portfolio and Allowance for Credit Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	46,032	44,267
Total ending allowance balance	46,032	44,267
Total ending allowance balance		44,267	$ 49,595	$ 44,317
Loans [Abstract]
Individually evaluated for impairment	25,695	18,504
Collectively evaluated for impairment	4,707,506	4,420,275
Total loans	4,733,201
Total loans		4,438,779
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,596	3,135
Total ending allowance balance	2,596	3,135
Total ending allowance balance		3,135	4,140	3,999
Loans [Abstract]
Individually evaluated for impairment	646	232
Collectively evaluated for impairment	230,365	199,968
Total loans	231,011
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	43,271	40,689
Total ending allowance balance	43,271	40,689
Total ending allowance balance		40,689	44,950	39,748
Loans [Abstract]
Individually evaluated for impairment	24,967	18,272
Collectively evaluated for impairment	4,464,916	4,210,891
Total loans	4,489,883
Total loans		4,229,163
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	165	443
Total ending allowance balance	165	443
Total ending allowance balance		443	$ 505	$ 570
Loans [Abstract]
Individually evaluated for impairment	82	0
Collectively evaluated for impairment	12,225	9,416
Total loans	$ 12,307
Total loans		$ 9,416

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Impaired Receivables (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2021	Dec. 31, 2022
Impaired loans by loans class [Abstract]
Recorded Investment		$ 18,504	$ 25,700
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.

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses on Unfunded Commitments (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 44,267
Balance at end of period	46,032
Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	18
Provision for credit losses	559
Balance at end of period	2,912
ASU 2016-13 [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	46,620
Balance at end 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
Balance at end 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 _9

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		$ 4,733,201
Total loans, net			$ 4,438,779
Current-period Gross writeoffs		152	430	$ 661
Impaired loans included in classified loans			226
New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	3,219,914
Total loans, net	[1]		3,132,378
Current-period Gross writeoffs	[1]	151	427	627
Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		1,513,287
Total loans, net			1,306,401
Current-period Gross writeoffs		1	3	34
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		231,011
Total loans, net			200,200
Current-period Gross writeoffs		40	30	36
Commercial [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net	[1]		177,952
Current-period Gross writeoffs	[1]	40	30	36
Commercial [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans, net			22,248
Current-period Gross writeoffs		0	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	[1]		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	[1]		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		79,430
2021		29,991
2020		18,883
2019		22,790
2018		16,969
Prior		33,837
Revolving Loans Amortized Cost Basis		8,022
Revolving Loan Converted to Term		0
Total loans		209,922
Total loans, net			168,716
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		40
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		40
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	177,371
Total loans, net	[1]		147,063
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		32,551
Total loans, net			21,653
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		79,430
2021		29,991
2020		18,708
2019		22,790
2018		16,598
Prior		32,666
Revolving Loans Amortized Cost Basis		8,022
Revolving Loan Converted to Term		0
Total loans		208,205
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	[1]		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		62
2019		0
2018		243
Prior		0
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		305
Commercial [Member] | Commercial Real Estate [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		0
2020		113
2019		0
2018		128
Prior		1,171
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		1,412
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	[1]		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		2,972
2021		3,187
2020		2,273
2019		590
2018		674
Prior		2,446
Revolving Loans Amortized Cost Basis		8,947
Revolving Loan Converted to Term		0
Total loans		21,089
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]	20,221
Total loans, net	[1]		30,889
Commercial [Member] | Other [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		868
Total loans, net			595
Commercial [Member] | Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		2,972
2021		2,848
2020		2,273
2019		590
2018		674
Prior		2,348
Revolving Loans Amortized Cost Basis		8,908
Revolving Loan Converted to Term		0
Total loans		20,613
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	[1]		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		0
2020		0
2019		0
2018		0
Prior		0
Revolving Loans Amortized Cost Basis		39
Revolving Loan Converted to Term		0
Total loans		39
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		339
2020		0
2019		0
2018		0
Prior		98
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		437
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	[1]		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		4,489,883
Total loans, net			4,229,163
Current-period Gross writeoffs		24	340	404
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]	24	339	404
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Current-period Gross writeoffs		0	1	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		557,981
2021		934,250
2020		784,592
2019		368,981
2018		258,277
Prior		1,241,349
Revolving Loans Amortized Cost Basis		1,472
Revolving Loan Converted to Term		0
Total loans		4,146,902
Total loans, net			3,936,302
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		5
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		5
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]	2,776,989
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		1,369,913
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		557,981
2021		933,754
2020		784,511
2019		368,137
2018		257,926
Prior		1,228,776
Revolving Loans Amortized Cost Basis		1,472
Revolving Loan Converted to Term		0
Total loans		4,132,557
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		0
2021		496
2020		81
2019		844
2018		351
Prior		12,573
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		14,345
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		6,863
2021		9,124
2020		6,322
2019		7,588
2018		5,306
Prior		21,346
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		56,549
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]	43,999
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		12,550
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		6,863
2021		9,124
2020		6,322
2019		7,588
2018		5,240
Prior		21,217
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		56,354
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		66
Prior		129
Revolving Loans Amortized Cost Basis		0
Revolving Loan Converted to Term		0
Total loans		195
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		1,369
2021		1,253
2020		740
2019		52
2018		100
Prior		20,488
Revolving Loans Amortized Cost Basis		262,430
Revolving Loan Converted to Term		0
Total loans		286,432
Total loans, net			230,976
2022		0
2021		0
2020		0
2019		0
2018		0
Prior		19
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		19
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]	191,926
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		94,506
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		1,369
2021		1,246
2020		740
2019		52
2018		100
Prior		18,377
Revolving Loans Amortized Cost Basis		262,244
Revolving Loan Converted to Term		0
Total loans		284,128
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		7
2020		0
2019		0
2018		0
Prior		2,111
Revolving Loans Amortized Cost Basis		186
Revolving Loan Converted to Term		0
Total loans		2,304
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		6,405
2021		2,512
2020		805
2019		774
2018		374
Prior		309
Revolving Loans Amortized Cost Basis		1,128
Revolving Loan Converted to Term		0
Total loans		12,307
Total loans, net			9,416
2022		1
2021		47
2020		22
2019		7
2018		2
Prior		9
Revolving Loans Amortized Cost Basis Writeoffs		0
Revolving Loan Converted to Term Writeoffs		0
Current-period Gross writeoffs		88	60	221
Installment [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	9,408
Total loans, net	[1]		7,368
Current-period Gross writeoffs	[1]	87	58	187
Installment [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		2,899
Total loans, net			2,048
Current-period Gross writeoffs		1	$ 2	$ 34
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		6,385
2021		2,495
2020		805
2019		709
2018		374
Prior		308
Revolving Loans Amortized Cost Basis		1,125
Revolving Loan Converted to Term		0
Total loans		12,201
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2022		20
2021		17
2020		0
2019		65
2018		0
Prior		1
Revolving Loans Amortized Cost Basis		3
Revolving Loan Converted to Term		0
Total loans		$ 106
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_10

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		$ 4,733,201
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]	3,219,914
Recorded Past Due loans	[1]		3,132,378
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,513,287
Recorded Past Due loans			1,306,401
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		18,117
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]	14,609
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		3,508
Recorded Past Due loans			2,352
30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		7,083
Recorded Past Due loans			2,708
30 to 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]	5,619
Recorded Past Due loans	[1]		1,821
30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,464
Recorded Past Due loans			887
60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,168
Recorded Past Due loans			1,249
60 to 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]	925
Recorded Past Due loans	[1]		935
60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		243
Recorded Past Due loans			314
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		9,866
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]	8,065
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		1,801
Recorded Past Due loans			1,151
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		4,715,084
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]	3,205,305
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		1,509,779
Recorded Past Due loans			1,304,049
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		231,011
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		209,922
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]	177,371
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		32,551
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		161
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]	161
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 to 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 to 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 to 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 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0
Recorded Past Due loans			233
Commercial [Member] | Commercial Real Estate [Member] | 60 to 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]		233
Commercial [Member] | Commercial Real Estate [Member] | 60 to 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		161
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]	161
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		209,761
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]	177,210
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		32,551
Recorded Past Due loans			21,653
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		21,089
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]	20,221
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		868
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		352
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]	38
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		314
Recorded Past Due loans			0
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		18
Recorded Past Due loans			0
Commercial [Member] | Other [Member] | 30 to 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]	18
Recorded Past Due loans	[1]		0
Commercial [Member] | Other [Member] | 30 to 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 to 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 to 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 to 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		334
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]	20
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		314
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		20,737
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]	20,183
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		554
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		4,489,883
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		4,146,902
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]	2,776,989
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		1,369,913
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		15,216
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]	12,386
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		2,830
Recorded Past Due loans			2,195
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		5,445
Recorded Past Due loans			2,172
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 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]	4,262
Recorded Past Due loans	[1]		1,303
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,183
Recorded Past Due loans			869
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,164
Recorded Past Due loans			419
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 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]	921
Recorded Past Due loans	[1]		239
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		243
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		8,607
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]	7,203
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		1,404
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		4,131,686
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]	2,764,603
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		1,367,083
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		56,549
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]	43,999
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		12,550
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		401
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]	350
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		51
Recorded Past Due loans			45
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		334
Recorded Past Due loans			136
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 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]	283
Recorded Past Due loans	[1]		136
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		51
Recorded Past Due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 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 to 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 to 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		67
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]	67
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		0
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		56,148
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]	43,649
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		12,499
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		286,432
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]	191,926
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		94,506
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		1,793
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]	1,569
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		224
Recorded Past Due loans			89
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,202
Recorded Past Due loans			355
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 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]	978
Recorded Past Due loans	[1]		355
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		224
Recorded Past Due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0
Recorded Past Due loans			547
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 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]		458
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 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			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		591
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]	591
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		284,639
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]	190,357
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		94,282
Recorded Past Due loans			55,753
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		12,307
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]	9,408
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		2,899
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		194
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]	105
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		89
Recorded Past Due loans			23
Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		84
Recorded Past Due loans			45
Installment [Member] | 30 to 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]	78
Recorded Past Due loans	[1]		27
Installment [Member] | 30 to 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		6
Recorded Past Due loans			18
Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		4
Recorded Past Due loans			5
Installment [Member] | 60 to 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]	4
Recorded Past Due loans	[1]		5
Installment [Member] | 60 to 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
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		106
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]	23
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		83
Recorded Past Due loans			5
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		12,113
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]	9,303
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		$ 2,810
Recorded Past Due loans			$ 2,025
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_11

Loan Portfolio and Allowance for Credit Losses, Non-accrual Loans, by Loan Class (Details) - USD ($) $ in Thousands		Dec. 31, 2022	Dec. 31, 2021
Non accrual loans by loan class [Abstract]
Other real estate owned		$ 2,100	$ 362
Total non-accrual loans		17,483	18,739
Restructured real estate mortgages - 1 to 4 family		10	17
Total nonperforming loans		17,493	18,756
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	15,191	16,709
Restructured real estate mortgages - 1 to 4 family	[1]	10	17
Total nonperforming loans	[1]	15,201	16,726
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,292	2,030
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		2,292	2,030
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		7,400	9,700
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		199	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]	199	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		334	45
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	20	45
Commercial [Member] | Other [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		314	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		14,345	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]	12,609	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		1,736	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		195	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]	153	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		42	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		2,304	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]	2,187	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		117	174
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		106	37
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	23	23
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 83	$ 14
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_12

Loan Portfolio and Allowance for Credit Losses, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Non-accrual With No Allowance for Credit Loss	$ 16,150
Non-accrual	1,333
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]
Non-accrual With No Allowance for Credit Loss	160
Non-accrual	39
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]
Non-accrual With No Allowance for Credit Loss	20
Non-accrual	314
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]
Non-accrual With No Allowance for Credit Loss	13,502
Non-accrual	843
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]
Non-accrual With No Allowance for Credit Loss	129
Non-accrual	66
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]
Non-accrual With No Allowance for Credit Loss	2,257
Non-accrual	47
Loans Past Due Over 89 Days Still Accruing	0
Installment [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Non-accrual With No Allowance for Credit Loss	82
Non-accrual	24
Loans Past Due Over 89 Days Still Accruing	$ 0

Loan Portfolio and Allowance_13

Loan Portfolio and Allowance for Credit Losses, Type of Collateral Dependent Loans by Portfolio Segment (Details) $ in Thousands	Dec. 31, 2022 USD ($)
Loans and Leases Receivable [Abstract]
Total loans	$ 4,733,201
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	25,695
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	231,011
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	209,922
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	312
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	21,089
Commercial [Member] | Other [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	334
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	4,489,883
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans	4,146,902
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	21,467
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	56,549
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	236
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	286,432
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	3,264
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	12,307
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	82
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_14

Loan Portfolio and Allowance for Credit Losses, Troubled Debt Restructurings (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2022 USD ($) Contract	Dec. 31, 2021 USD ($) Contract	Dec. 31, 2020 USD ($) Contract
Financing Receivable Modifications Information [Abstract]
TDR's classifications from previously performing loans		$ 9,200
Modified loans by class determined to be TDR's [Abstract]
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	[1]	11	9	16
Pre-Modification Outstanding Recorded Investment	[1]	$ 1,587	$ 1,156	$ 2,597
Post-Modification Outstanding Recorded Investment	[1]	$ 1,587	$ 1,156	$ 2,597
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		1	2	4
Pre-Modification Outstanding Recorded Investment		$ 119	$ 127	$ 586
Post-Modification Outstanding Recorded Investment		$ 119	$ 127	$ 586
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	[1]	0	0	1
Pre-Modification Outstanding Recorded Investment	[1]	$ 0	$ 0	$ 125
Post-Modification Outstanding Recorded Investment	[1]	$ 0	$ 0	$ 125
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract		0	0	0
Pre-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 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	[1]	11	6	12
Pre-Modification Outstanding Recorded Investment	[1]	$ 1,587	$ 1,114	$ 2,303
Post-Modification Outstanding Recorded Investment	[1]	$ 1,587	$ 1,114	$ 2,303
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		1	1	4
Pre-Modification Outstanding Recorded Investment		$ 119	$ 77	$ 586
Post-Modification Outstanding Recorded Investment		$ 119	$ 77	$ 586
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	[1]	0	1	0
Pre-Modification Outstanding Recorded Investment	[1]	$ 0	$ 2	$ 0
Post-Modification Outstanding Recorded Investment	[1]	$ 0	$ 2	$ 0
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	0	0
Pre-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Post-Modification Outstanding Recorded Investment		$ 0	$ 0	$ 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	[1]	0	2	3
Pre-Modification Outstanding Recorded Investment	[1]	$ 0	$ 40	$ 169
Post-Modification Outstanding Recorded Investment	[1]	$ 0	$ 40	$ 169
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	1	0
Pre-Modification Outstanding Recorded Investment		$ 0	$ 50	$ 0
Post-Modification Outstanding Recorded Investment		$ 0	$ 50	$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Bank Premises and Equipment (De

Bank Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 133,866	$ 130,851
Accumulated depreciation and amortization	(101,310)	(97,824)
Total	32,556	33,027
Depreciation and amortization expense	4,100	4,200	$ 4,000
Occupancy expense of the Bank's premises included rental expense	8,213	8,128	$ 8,044
Land [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	2,426	2,443
Buildings [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	36,260	36,327
Furniture, Fixtures and Equipment [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	60,320	58,163
Leasehold Improvements [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 34,860	$ 33,918

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Interest Expense, Deposits [Abstract]
Interest bearing checking accounts	$ 190	$ 178	$ 148
Savings accounts	920	624	716
Time deposits and money market accounts	4,617	5,863	22,834
Total	5,727	6,665	$ 23,698
Maturity of Time Deposits [Abstract]
Under 1 year	883,218
1 to 2 years	50,972
2 to 3 years	3,378
3 to 4 years	660
4 to 5 years	90,431
Over 5 years	104
Total time deposits	1,028,763	995,314
Amount included in time deposits with balance in excess of $250,000	$ 250,000	$ 161,500

Short-Term Borrowings (Details)

Short-Term Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Short-term Debt [Abstract]
Amount outstanding	$ 122,700	$ 244,686
Federal Home Loan Bank of New York [Member]
Short-term Debt [Abstract]
Amount outstanding	0	0
Federal Reserve Bank of New York [Member]
Short-term Debt [Abstract]
Amount outstanding	0	0
Cash Management [Member]
Short-term Debt [Abstract]
Amount outstanding	122,700	244,686	$ 214,755
Maximum amount outstanding at any month end	253,219	244,686	213,043
Average amount outstanding	$ 177,599	$ 232,815	$ 180,065
Weighted average interest rate, For the year	0.42%	0.39%	0.56%
Weighted average interest rate, As of year end	0.86%	0.37%	0.47%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Current tax expense [Abstract]
Federal	$ 17,136	$ 17,657	$ 15,662
State	2,933	3,195	2,399
Total current tax expense	20,069	20,852	18,061
Deferred tax (benefit) expense	4,114	(238)	(1,067)
Total income tax expense	24,183	20,614	16,994
Components of deferred tax assets and liabilities [Abstract]
Benefits and deferred remuneration	(8,478)	(7,335)
Difference in reporting the allowance for loan losses, net	12,424	12,369
Other income or expense not yet reported for tax purposes	420	1,907
Depreciable assets	(2,389)	(2,068)
Net deferred tax asset at end of year	1,977	4,873	4,635
Impact of ASU 2016-13, Current Expected Credit Loss (CECL)	1,218	0
Net deferred tax asset at beginning of year	4,873	4,635
Deferred tax expense (benefit)	4,114	(238)	$ (1,067)
Deferred tax assets, unrealized losses on available-for-sale securities	11,300	1
Deferred tax liabilities, unrecognized overfunded position in company's pension and postretirement benefit plans	$ 1,800	$ 4,200
Reconciliation from statutory federal income tax rate to effective tax rate [Abstract]
Statutory federal income tax rate	21%	21%	21%
Increase/(decrease) in taxes resulting from [Abstract]
State income tax, net of federal tax benefit	3%	3.20%	2.40%
Other items	0.30%	0.90%	1.10%
Effective income tax rate	24.30%	25.10%	24.50%
Federal [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2019
Federal [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2021
New York State [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2019
New York State [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2021

Benefit Plans, Change in Projec

Benefit Plans, Change in Projected Benefit Obligation, Plan Assets and Funded Status Reconciliation (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) h yr	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Change in plan assets and reconciliation of funded status [Roll Forward]
Company contributions	$ 0	$ 0
Retirement Plan [Member]
Defined benefit plan [Abstract]
Requisite minimum period of employment	1 year
Requisite minimum hours of service | h	1,000
Number of consecutive years in highest compensation preceding retirement | yr	5
Period preceding retirement considered in calculating benefits	10 years
Change in benefit obligation [Roll Forward]
Accumulated benefit obligation at beginning of year	$ 30,905	33,504
Interest cost	888	856	$ 1,076
Benefit payments and expected expenses	(1,823)	(2,142)
Net actuarial (gain) loss	(6,928)	(1,313)
Accumulated benefit obligation at end of year	23,042	30,905	33,504
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	63,066	56,237
Actual (loss) gain on plan assets	(8,532)	8,952
Benefit payments and actual expenses	(1,861)	(2,123)
Fair value of plan assets at end of year	52,673	63,066	56,237
Funded status at end of year	29,631	32,161
Postretirement Benefits [Member]
Change in benefit obligation [Roll Forward]
Accumulated benefit obligation at beginning of year	7,016	6,609
Interest cost	207	190	203
Net actuarial (gain) loss	(2,276)	(389)
Accumulated benefit obligation at end of year	4,893	7,016	6,609
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	33,344	29,126
Actual (loss) gain on plan assets	(4,341)	4,243
Company contributions	57	55
Benefits paid and actual expenses	(72)	(80)
Fair value of plan assets at end of year	28,988	33,344	$ 29,126
Funded status at end of year	$ 24,095	$ 26,328

Benefit Plans, Plan Disclosures

Benefit Plans, Plan Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Amortization of prior service credit (cost)	$ 313	$ (405)	$ 196
Prior service cost		611
Retirement Plan [Member]
Amounts recognized in accumulated other comprehensive income (loss) [Abstract]
Net actuarial (gain) loss	1,170	(6,038)
Accumulated benefit obligation for pension benefits	23,000	30,900
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Service cost	0	0	37
Interest cost	888	856	1,076
Expected return on plan assets	(3,227)	(2,846)	(3,020)
Net periodic pension credit	(2,339)	(1,990)	(1,907)
Net actuarial loss (gain) included in other comprehensive income (loss)	4,869	(7,439)	(386)
Amortization of prior service credit (cost)	0	0
Prior service cost		0
Total amount recognized in other comprehensive loss	4,869	(7,439)	(386)
Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss)	2,530	(9,429)	(2,293)
Postretirement Benefits [Member]
Amounts recognized in accumulated other comprehensive income (loss) [Abstract]
Net actuarial (gain) loss	(5,760)	(10,165)
Prior service cost (credit)	81	(232)
Total	(5,679)	(10,397)
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Service cost	18	75	73
Interest cost	207	190	203
Expected return on plan assets	(1,332)	(1,163)	(1,183)
Amortization of net loss (gain)	(1,008)	(674)	(708)
Amortization of prior service (credit) cost	(313)	405	(196)
Net periodic pension credit	(2,428)	(1,167)	(1,811)
Net actuarial loss (gain) included in other comprehensive income (loss)	3,397	(3,469)	(1,295)
Amortization of prior service credit (cost)	313	(405)	196
Prior service cost	0	611	0
Amortization of net gain	1,008	674	708
Total amount recognized in other comprehensive loss	4,718	(2,589)	(391)
Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss)	2,290	$ (3,756)	$ (2,202)
Amounts of net gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	457
Amount of prior service credit that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	$ 13

Benefit Plans, Estimated Future

Benefit Plans, Estimated Future Benefit Payments, Assumptions and Change in Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Change in benefit obligation [Rollforward]
Prior service cost		$ 611
Retirement Plan [Member]
Estimated future benefit payments [Abstract]
2023	$ 1,686
2024	1,705
2025	1,721
2026	1,741
2027	1,738
2028 - 2032	$ 8,824
Assumptions used to determine benefit obligation [Abstract]
Discount rate	5.44%	2.96%	2.65%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	2.96%	2.65%	3.56%
Expected long-term rate of return on assets, net of tax	5.25%	5.25%	6%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 30,905	$ 33,504
Service cost	0	0	$ 37
Interest cost	888	856	1,076
Prior service cost		0
Net actuarial (gain) loss	(6,928)	(1,313)
Accumulated benefit obligation at end of year	23,042	$ 30,905	$ 33,504
Postretirement Benefits [Member]
Estimated future benefit payments [Abstract]
2023	112
2024	128
2025	151
2026	176
2027	191
2028 - 2032	$ 1,454
Assumptions used to determine benefit obligation [Abstract]
Discount rate	5.44%	2.96%	2.65%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	2.96%	2.65%	3.56%
Expected long-term rate of return on assets, net of tax	4%	4%	4.50%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 7,016	$ 6,609
Service cost	18	75	$ 73
Interest cost	207	190	203
Prior service cost	0	611	0
Benefits paid and actual expenses	(72)	(80)
Net actuarial (gain) loss	(2,276)	(389)
Accumulated benefit obligation at end of year	4,893	7,016	6,609
Supplementary Pension Plan [Member]
Pension and Other Postretirement Benefits Cost [Abstract]
Plan expense	2,700	2,700	$ 2,200
Assets Held-in-trust [Abstract]
Assets held in trust	2,300	2,300
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	2,300
Accumulated benefit obligation at end of year	$ 2,300	$ 2,300

Benefit Plans, Health Care Cost

Benefit Plans, Health Care Cost Trend Rate and Other Comprehensive Income Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	$ 8,266	$ (10,908)
Prior service cost		611
Amortization of net actuarial gain	1,008	674	$ 708
Amortization of prior service credit	313	(405)	196
Total	9,587	(10,028)
Retirement Plan [Member]
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	4,869	(7,439)
Prior service cost		0
Amortization of net actuarial gain	0	0
Amortization of prior service credit	0	0
Total	4,869	(7,439)
Postretirement Benefits [Member]
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	3,397	(3,469)
Prior service cost	0	611	0
Amortization of net actuarial gain	1,008	674
Amortization of prior service credit	313	(405)	$ 196
Total	$ 4,718	$ (2,589)

Benefit Plans, Allocation of Pl

Benefit Plans, Allocation of Plan Assets (Details)	Dec. 31, 2022	Dec. 31, 2021
Retirement Plan [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100%	100%
Retirement Plan [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	30%	33%
Retirement Plan [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	59%	62%
Retirement Plan [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	11%	5%
Postretirement Benefits [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100%	100%
Postretirement Benefits [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	29%	32%
Postretirement Benefits [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	57%	63%
Postretirement Benefits [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	14%	5%
Pension and Postretirement Plans [Member] | Debt Securities [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	25%
Pension and Postretirement Plans [Member] | Debt Securities [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	40%
Pension and Postretirement Plans [Member] | Equity Securities [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	50%
Pension and Postretirement Plans [Member] | Equity Securities [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	70%
Pension and Postretirement Plans [Member] | Other [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	0%
Pension and Postretirement Plans [Member] | Other [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	10%

Benefit Plans, Fair Value of Pl

Benefit Plans, Fair Value of Plan Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Fair value of plan assets by asset category [Abstract]
Employer contributions to postretirement benefit plans	$ 0	$ 0
Expected future contribution	0
Retirement Plan [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	52,673	63,066	$ 56,237
Retirement Plan [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	37,250	42,993
Retirement Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	15,423	20,073
Retirement Plan [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	52,673	63,066
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	5,734	3,075
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	5,734	3,075
Retirement Plan [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	30,972	39,249
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	30,972	39,249
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	15,423	17,032
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	15,423	17,032
Retirement Plan [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		3,041
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Retirement Plan [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		3,041
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	544	669
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	544	669
Postretirement Benefits [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	28,988	33,344	$ 29,126
Employer contributions to postretirement benefit plans	57	55
Postretirement Benefits [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	20,591	22,605
Postretirement Benefits [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	8,397	10,739
Postretirement Benefits [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	28,988	33,344
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	3,945	1,600
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	3,945	1,600
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	16,646	21,005
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	16,646	21,005
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	8,397	8,712
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	$ 8,397	8,712
Postretirement Benefits [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		2,027
Postretirement Benefits [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		$ 2,027

Benefit Plans, Incentive and Bo

Benefit Plans, Incentive and Bonus Plans (Details) $ / shares in Units, shares in Thousands, $ in Millions		12 Months Ended
	May 28, 2021	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Incentive and Bonus Plans [Abstract]
Number of awards (in shares) | shares		291
Weighted average strike price (in dollars per share) | $ / shares		$ 44.37
Reverse stock split ratio	0.2
401(k) Plan [Member]
Incentive and Bonus Plans [Abstract]
Employer matching contribution, first match		100%
Aggregate salary contribution matched by employer, first match		3%
Employer matching contribution, next matched		50%
Aggregate salary contribution matched by employer, next match		3%
Profit sharing contribution		$ 0	$ 0	$ 0
Expense related to 401(k) plan		1.3	1.3	1.2
Executive Incentive Plan [Member]
Incentive and Bonus Plans [Abstract]
Expense for officers and executive incentive plan		$ 1.3	$ 3.2	$ 3.3

Benefit Plans, Stock Based Comp

Benefit Plans, Stock Based Compensation Plans - Equity Awards (Details) $ / shares in Units, $ in Thousands		12 Months Ended
	May 28, 2021	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares	Dec. 31, 2020 USD ($) shares	May 31, 2019 shares
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Reverse stock split ratio	0.2
Summary of Changes in Stock Option Awards [Roll Forward]
Exercised options (in shares)		(12,458)	(9,923)
Additional Disclosures [Abstract]
Stock based compensation expense | $		$ 0	$ 0	$ 15
Stock Options [Member]
Summary of Changes in Stock Option Awards [Roll Forward]
Beginning balance (in shares)		90,311
New options awarded (in shares)		0
Expired options (in shares)		(1,000)
Options forfeited (in shares)		0
Exercised options (in shares)		(12,458)	0	(10,000)
Ending balance (in shares)		76,853	90,311
Stock Option Awards, Exercisable [Roll Forward]
Ending balance (in shares)		76,853
Weighted Average Exercise Price [Roll Forward]
Beginning balance (in dollars per share) | $ / shares		$ 34.38
New options awarded (in dollars per share) | $ / shares		0
Expired options (in dollars per share) | $ / shares		25.85
Options forfeited (in dollars per share) | $ / shares		0
Exercised options (in dollars per share) | $ / shares		34.47
Ending balance (in dollars per share) | $ / shares		$ 34.48	$ 34.38
Additional Disclosures [Abstract]
Weighted average remaining contractual life, options outstanding		1 year 9 months 29 days
Exercisable options, weighted average exercise price (in dollars per share) | $ / shares		$ 34.48
Weighted average remaining contractual life, exercisable outstanding		1 year 9 months 29 days
Intrinsic value of outstanding stock options | $		$ 239
Intrinsic value of vested stock options | $		239
Stock based compensation expense | $		$ 0
New options granted (in shares)		0	0	0
Restricted Common Shares [Member]
Additional Disclosures [Abstract]
Stock based compensation expense | $		$ 0	$ 0	$ 15
2010 Directors Stock Option Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)					400,000
2010 Directors Stock Option Plan [Member] | Stock Options [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Options maximum term		10 years
Award vesting period		5 years
2019 Equity Incentive Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)		77,000			400,000
Exercise price as percentage of fair value		100%
Shareholding percentage for grant of stock options		10%
Option price as percentage of fair value		110%

Benefit Plans, Valuation, Stock

Benefit Plans, Valuation, Stock-Based Compensation (Details) $ in Thousands		12 Months Ended
	May 28, 2021	Dec. 31, 2022 USD ($) shares	Dec. 31, 2021 USD ($) shares	Dec. 31, 2020 USD ($)
Activity for Performance Based Awards [Roll Forward]
Reverse stock split ratio	0.2
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense | $		$ 0	$ 0	$ 15
Restricted Shares Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)		82,632
New awards granted (in shares)		43,072
Forfeited awards (in shares)		(1,865)
Awards settled (in shares)		(40,611)
Balance, End of period (in shares)		83,228	82,632
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense | $		$ 1,600	$ 1,200	715
Options maximum term		1 year
Unrecognized compensation expense | $		$ 2,900
Unrecognized compensation expense, period of recognition		25 months
Additional Disclosures [Abstract]
Shares vested after term		100%
Liability related to awards | $		$ 278	$ 229
Performance Share Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)		145,115
New awards granted (in shares)		38,255
Forfeited awards (in shares)		(9,365)
Awards settled (in shares)		(18,372)
Balance, End of period (in shares)		155,633	145,115
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense | $		$ 1,300	$ 1,800	$ 500
Options maximum term		3 years
Unrecognized compensation expense | $		$ 3,100
Unrecognized compensation expense, period of recognition		25 months
Additional Disclosures [Abstract]
Shares vested after term		100%
Liability related to awards | $		$ 3,600	$ 2,900

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Commitments and Contingent Liabilities [Abstract]
Outsourced service expense	$ 9,210	$ 8,384	$ 7,750
Third-Party Service Agreement [Member] | Minimum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	9,000
Third-Party Service Agreement [Member] | Maximum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	$ 10,000

Earnings Per Share (Details)

Earnings Per Share (Details) $ / shares in Units, shares in Thousands, $ in Thousands			12 Months Ended
		May 28, 2021	Dec. 31, 2022 USD ($) $ / shares shares	Dec. 31, 2021 USD ($) $ / shares shares	Dec. 31, 2020 USD ($) $ / shares shares
Reconciliation of the component parts of earnings per share [Abstract]
Net income | $			$ 75,234	$ 61,519	$ 52,452
Weighted average common shares (in shares)	[1]		19,131	19,259	19,301
Effect of dilutive common stock options (in shares)	[1]		2	4	2
Weighted average common shares including potential dilutive shares (in shares)	[1]		19,133	19,263	19,303
Basic EPS (in dollars per share) | $ / shares	[1],[2]		$ 3.93	$ 3.19	$ 2.72
Diluted EPS (in dollars per share) | $ / shares	[1],[2]		$ 3.93	$ 3.19	$ 2.72
Reverse stock split		0.2
Stock Options [Member]
Antidilutive Securities [Abstract]
Antidilutive stock options excluded from diluted earnings per share (in shares)			59	60
[1]Share and per share amounts have been adjusted for all periods presented for the 1 for 5 1 for 5

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021
Commitments to Extend Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 535.4	$ 469.7
Variable rate product commitments	74%	81%
Standby Letters of Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 5.3	$ 5.3
Off balance sheet instrument term	12 months

Fair Value, Assets and Liabilit

Fair Value, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Securities available for sale [Abstract]
Total securities available for sale	$ 481,513	$ 407,713
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Total securities available for sale	0	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Total securities available for sale	481,513	407,713
Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
Total securities available for sale	0	0
Carrying Value [Member]
Securities available for sale [Abstract]
Total securities available for sale	481,513	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	0	0
Total securities available for sale	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	118,187	59,179
State and political subdivisions	34	41
Mortgage backed securities and collateralized mortgage obligations - residential	260,316	270,798
Corporate bonds	81,346	45,337
Small Business Administration - guaranteed participation securities	20,977	31,674
Other	653	684
Total securities available for sale	481,513	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	0	0
Total securities available for sale	0	0
Recurring [Member] | Carrying Value [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	118,187	59,179
State and political subdivisions	34	41
Mortgage backed securities and collateralized mortgage obligations - residential	260,316	270,798
Corporate bonds	81,346	45,337
Small Business Administration - guaranteed participation securities	20,977	31,674
Other	653	684
Total securities available for sale	$ 481,513	$ 407,713

Fair Value, Assets Measured at

Fair Value, Assets Measured at Fair Value Non-recurring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
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]	Measurement Input, Comparability Adjustment [Member]	Measurement Input, Comparability Adjustment [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	$ 4,687,169
Impaired loans [Abstract]
Impaired loans	25,700	$ 18,504
Valuation charge on other real estate owned	68	121
Collateral dependent impaired loans	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
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
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 2,061	$ 362
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.02	0.01
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.47	0.14
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.18	0.06
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	$ 0
Impaired loans [Abstract]
Impaired loans		$ 0
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Significant Other Observable Inputs (Level 2) [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	0
Impaired loans [Abstract]
Impaired loans		0
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Significant Unobservable Inputs (Level 3) [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	0
Impaired loans [Abstract]
Impaired loans		0
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	2,061	362
Nonrecurring [Member] | Carrying Value [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	$ 0
Impaired loans [Abstract]
Impaired loans		$ 0

Fair Value, Carrying Amounts an

Fair Value, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021
Financial assets [Abstract]
Cash and cash equivalents	$ 650,599	$ 1,219,470
Securities available for sale	481,513	407,713
Held to maturity securities	7,580	10,695
Net loans	4,328,508	4,451,031
Accrued interest receivable	11,492	9,099
Financial liabilities [Abstract]
Demand deposits	838,147	794,878
Interest bearing deposits	4,338,428	4,471,613
Short-term borrowings	122,700	244,686
Accrued interest payable	602	163
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	650,599	1,219,470
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	189	10
Financial liabilities [Abstract]
Demand deposits	838,147	794,878
Interest bearing deposits	3,325,900	3,477,937
Short-term borrowings	0	0
Accrued interest payable	60	34
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	481,513	407,713
Held to maturity securities	7,580	10,695
Net loans	0	0
Accrued interest receivable	1,866	1,235
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,012,528	993,676
Short-term borrowings	122,700	244,686
Accrued interest payable	542	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	4,328,508	4,451,031
Accrued interest receivable	9,437	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	650,599	1,219,470
Securities available for sale	481,513	407,713
Held to maturity securities	7,707	9,923
Federal Reserve Bank and Federal Home Loan Bank stock	5,797	5,604
Net loans	4,687,169	4,394,512
Accrued interest receivable	11,492	9,099
Financial liabilities [Abstract]
Demand deposits	838,147	794,878
Interest bearing deposits	4,354,663	4,473,251
Short-term borrowings	122,700	244,686
Accrued interest payable	$ 602	$ 163

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Dec. 31, 2022 USD ($) Classification	Dec. 31, 2021 USD ($)
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		$ 609,998	$ 570,594
Common equity Tier 1 capital		609,998	570,594
Tier 1 risk-based capital		609,998	570,594
Total risk-based capital		$ 651,462	$ 608,308
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10116	0.09324
Common equity Tier 1 capital, ratio		0.18431	0.18954
Tier 1 risk-based capital, ratio		0.18431	0.18954
Total risk-based capital, ratio		0.19684	0.20206
Leverage Ratios [Abstract]
Tier 1 leverage ratio, well capitalized	[1]	0.05	0.05
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04	0.04
Common equity Tier 1 capital, well capitalized	[1]	0.065	0.065
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07	0.07
Tier 1 risk-based capital, well capitalized	[1]	0.08	0.08
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.085	0.085
Total risk-based capital, well capitalized	[1]	0.10	0.10
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.105	0.105
Common equity Tier 1 capital conservation buffer		0.025	0.025
Tier 1 risk based capital ratio, capital conservation buffer		0.025	0.025
Total risk based capital ratio, capital conservation buffer		0.025	0.025
TrustCo Bank Corp NY [Member]
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 626,628	$ 588,427
Common equity Tier 1 capital		626,628	588,427
Tier 1 risk-based capital		626,628	588,427
Total risk-based capital		$ 668,102	$ 626,150
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.1039	0.09614
Common equity Tier 1 capital, ratio		0.18929	0.19541
Tier 1 risk-based capital, ratio		0.18929	0.19541
Total risk-based capital, ratio		0.20182	0.20794
Leverage Ratios [Abstract]
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04	0.04
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07	0.07
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.085	0.085
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.105	0.105
Common equity Tier 1 capital conservation buffer		0.025	0.025
Tier 1 risk based capital ratio, capital conservation buffer		0.025	0.025
Total risk based capital ratio, capital conservation buffer		0.025	0.025
[1]Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized.[2]The December 31, 2022 and 2021 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income, Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 601,128	$ 568,161	$ 538,257	[1]
Other comprehensive income (loss) - before reclassifications	(38,363)	410	8,999
Amount reclassified from accumulated other comprehensive income	(978)	(199)	(1,524)
Other comprehensive (loss) income, net of tax	(39,341)	211	7,475
Balance	599,987	601,128	568,161
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	12,147	11,936	4,461	[1]
Other comprehensive (loss) income, net of tax	(39,341)	211	7,475
Balance	(27,194)	12,147	11,936
Net Unrealized Holding Gain (Loss) on Securities Available for Sale, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(26)	7,186	286
Other comprehensive income (loss) - before reclassifications	(32,245)	(7,212)	7,755
Amount reclassified from accumulated other comprehensive income	0	0	(855)
Other comprehensive (loss) income, net of tax	(32,245)	(7,212)	6,900
Balance	(32,271)	(26)	7,186
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	4,840
Other comprehensive income (loss) - before reclassifications	(6,118)	7,622	1,244
Amount reclassified from accumulated other comprehensive income	0	0	0
Other comprehensive (loss) income, net of tax	(6,118)	7,622	1,244
Balance	7,588	13,706	6,084
Net Change in Net Actuarial Gain and Prior Service Credit on Pension and Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(1,533)	(1,334)	(665)
Other comprehensive income (loss) - before reclassifications			0
Amount reclassified from accumulated other comprehensive income	(978)	(199)	(669)
Other comprehensive (loss) income, net of tax	(978)	(199)	(669)
Balance	$ (2,511)	$ (1,533)	$ (1,334)
[1]All periods presented have been adjusted for the 1 for 5

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income, Reclassifications out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Net gain on securities transactions	[1]	$ 0	$ 0	$ 1,155
Salaries and employee benefits		45,904	48,721	45,647
Income tax (benefit) expense		24,183	20,614	16,994
Net income		75,234	61,519	52,452
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Net income		978	199	1,524
Unrealized Gains on Securities Available for Sale [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Net gain on securities transactions		0	0	1,155
Income tax (benefit) expense		0	0	(300)
Net income		0	0	855
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 (benefit) expense		(343)	(70)	(235)
Net income		978	199	669
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		1,008	674	708
Amortization of Prior Service Credit (Cost) [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits		$ 313	$ (405)	$ 196
[1]Not within the scope of ASC 606.

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Sources of non-interest income [Abstract]
Net gain on securities transactions	[1]	$ 0	$ 0	$ 1,155
Other	[1]	1,123	698	1,243
Total non-interest income		19,260	17,937	17,170
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		2,708	2,660	2,665
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		2,044	1,940	1,629
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		6,348	5,281	4,199
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 7,037	$ 7,358	$ 6,279
[1]Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($) Lease Property	Dec. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease	0
Other information related to leases [Abstract]
Operating lease cost	$ 8,213	$ 8,128	$ 8,044
Variable lease cost	2,183	2,015	2,029
Total Lease costs	10,396	10,143	10,073
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases	8,327	8,192	8,042
Right-of-use assets obtained in exchange for lease obligations:	$ 3,089	$ 6,588	$ 2,548
Weighted average remaining lease term (years)	8 years 10 months 24 days	9 years 3 months 18 days	9 years
Weighted average discount rate	3%	3%	3.20%
Future minimum lease payments under non-cancellable leases [Abstract]
2023	$ 8,310
2024	8,202
2025	7,795
2026	6,820
2027	5,541
Thereafter	19,260
Total lease payments	55,928
Less: Interest	6,948
Present value of lease liabilities	48,980	$ 52,720
Operating lease right-of-use assets	44,727	$ 48,090
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments	3,200
Less: Interest	$ 400
Number of properties under lease owned by related party | Property	5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term	2 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term	21 years 9 months 18 days

Parent Company Only, Statements

Parent Company Only, Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Expenses [Abstract]
Professional services	$ 5,577	$ 6,108	$ 5,618
Total noninterest expense	100,319	101,662	95,704
Income before income taxes	99,417	82,133	69,446
Income tax benefit	24,183	20,614	16,994
Net income	75,234	61,519	52,452
Change in other comprehensive (loss) income	(39,341)	211	7,475
Comprehensive income	35,893	61,730	59,927
TrustCo Bank Corp NY [Member]
Statements of Comprehensive Income [Abstract]
Dividends and interest from subsidiaries	34,125	34,096	31,100
Net gain on securities transactions	0	0	0
Miscellaneous income	0	0	0
Total income	34,125	34,096	31,100
Expenses [Abstract]
Operating supplies	0	21	20
Professional services	585	819	655
Miscellaneous expense	1,752	3,419	1,666
Total noninterest expense	2,337	4,259	2,341
Income before income taxes	31,788	29,837	28,759
Income tax benefit	(559)	(972)	(558)
Income before subsidiaries' undistributed earnings	32,347	30,809	29,317
Equity in undistributed earnings of subsidiaries	42,887	30,710	23,135
Net income	75,234	61,519	52,452
Change in other comprehensive (loss) income	(39,341)	211	7,475
Comprehensive income	$ 35,893	$ 61,730	$ 59,927

Parent Company Only, Statemen_2

Parent Company Only, Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	[1]
Assets [Abstract]
Cash in subsidiary bank	$ 650,599	$ 1,219,470
Securities available for sale	481,513	407,713
Other assets	89,984	78,207
Total assets	6,000,052	6,196,546
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	35,575	29,883
Total liabilities	5,400,065	5,595,418
Shareholders' equity	599,987	601,128	$ 568,161	$ 538,257
Total liabilities and shareholders' equity	6,000,052	6,196,546
TrustCo Bank Corp NY [Member]
Assets [Abstract]
Cash in subsidiary bank	25,079	26,725
Investments in subsidiaries	583,370	583,307
Securities available for sale	36	36
Other assets	809	681
Total assets	609,294	610,749
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	9,307	9,621
Total liabilities	9,307	9,621
Shareholders' equity	599,987	601,128
Total liabilities and shareholders' equity	$ 609,294	$ 610,749
[1]All periods presented have been adjusted for the 1 for 5

Parent Company Only, Statemen_3

Parent Company Only, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Cash flows from operating activities [Abstract]
Net income	$ 75,234	$ 61,519	$ 52,452
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock based compensation expense	0	0	15
Total adjustments	3,392	(6,154)	9,705
Net cash provided by operating activities	78,626	55,365	62,157
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	(203,516)	(139,962)	(145,339)
Net cash used in investing activities	(416,626)	(175,256)	(35,346)
Cash flows from financing activities [Abstract]
Cash used to settle fractional shares in the Reverse Stock Split	0	(200)	0
Proceeds from exercise of stock options	429	260	0
Dividends paid	(26,991)	(26,279)	(26,331)
Payments to acquire treasury stock	(7,004)	(2,386)	(3,493)
Net cash (used in) provided by financing activities	(230,871)	232,262	623,442
Net (decrease) increase in cash and cash equivalents	(568,871)	112,371	650,253
Cash and cash equivalents at beginning of period	1,219,470	1,107,099	456,846
Cash and cash equivalents at end of period	650,599	1,219,470	1,107,099
TrustCo Bank Corp NY [Member]
Cash flows from operating activities [Abstract]
Net income	75,234	61,519	52,452
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed earnings of subsidiaries	(42,887)	(30,710)	(23,135)
Stock based compensation expense	0	0	15
Net change in other assets and accrued expenses	(440)	354	515
Total adjustments	(43,327)	(30,356)	(22,605)
Net cash provided by operating activities	31,907	31,163	29,847
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	0	0	(1)
Net cash used in investing activities	0	0	(1)
Cash flows from financing activities [Abstract]
Cash used to settle fractional shares in the Reverse Stock Split	0	(200)	0
Proceeds from exercise of stock options	429	260	0
Dividends paid	(26,978)	(26,266)	(26,317)
Payments to acquire treasury stock	(7,004)	(2,386)	(3,493)
Proceeds from sales of treasury stock	0	0	0
Net cash (used in) provided by financing activities	(33,553)	(28,592)	(29,810)
Net (decrease) increase in cash and cash equivalents	(1,646)	2,571	36
Cash and cash equivalents at beginning of period	26,725	24,154	24,118
Cash and cash equivalents at end of period	$ 25,079	$ 26,725	$ 24,154