TrustCo Bank Corp NY (TRST) 10-Q 9 May 23 2023 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2023	Apr. 28, 2023
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	000-10592
Entity Registrant Name	TRUSTCO BANK CORP NY
Entity Central Index Key	0000357301
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	14-1630287
Entity Address, Address Line One	5 SARNOWSKI DRIVE
Entity Address, City or Town	GLENVILLE
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12302
City Area Code	518
Local Phone Number	377-3311
Title of 12(b) Security	Common Stock, $1.00 par value
Trading Symbol	TRST
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		19,024,433

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest and dividend income:
Interest and fees on loans	$ 44,272	$ 39,003
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	692	86
State and political subdivisions	0	1
Mortgage-backed securities and collateralized mortgage obligations - residential	1,585	1,087
Corporate bonds	521	233
Small Business Administration-guaranteed participation securities	117	154
Other securities	2	2
Total interest and dividends on securities available for sale	2,917	1,563
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	78	90
Total interest on held to maturity securities	78	90
Federal Home Loan Bank stock	110	62
Interest on federal funds sold and other short-term investments	6,555	572
Total interest income	53,932	41,290
Interest on deposits:
Interest-bearing checking	66	44
Savings accounts	530	156
Money market deposit accounts	814	214
Time deposits	5,272	546
Interest on short-term borrowings	285	234
Total interest expense	6,967	1,194
Net interest income	46,965	40,096
Provision (Credit) for credit losses	300	(200)
Net interest income after provision (credit) for credit losses	46,665	40,296
Noninterest income:
Trustco financial services income	1,774	1,833
Fees for services to customers	2,648	2,801
Other	247	549
Total noninterest income	4,669	5,183
Noninterest expenses:
Salaries and employee benefits	13,283	9,239
Net occupancy expense	4,598	4,529
Equipment expense	1,962	1,588
Professional services	1,607	1,467
Outsourced services	2,296	2,280
Advertising expense	390	617
FDIC and other insurance	1,052	812
Other real estate expense, net	225	11
Other	2,266	2,222
Total noninterest expenses	27,679	22,765
Income before taxes	23,655	22,714
Income taxes	5,909	5,625
Net income	$ 17,746	$ 17,089
Net income per share:
Basic (in dollars per share)	$ 0.93	$ 0.89
Diluted (in dollars per share)	$ 0.93	$ 0.89

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 17,746	$ 17,089
Net unrealized holding gain (loss) on securities available for sale	5,251	(19,225)
Tax effect	(1,350)	4,974
Net unrealized gain (loss) on securities available for sale, net of tax	3,901	(14,251)
Amortization of net actuarial gain	(114)	(78)
Amortization of prior service cost (credit)	3	(280)
Tax effect	29	93
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans, net of tax	(82)	(265)
Other comprehensive income (loss), net of tax	3,819	(14,516)
Comprehensive income	$ 21,565	$ 2,573

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS:
Cash and due from banks	$ 47,595	$ 43,429
Federal funds sold and other short term investments	589,389	607,170
Total cash and cash equivalents	636,984	650,599
Securities available for sale	476,659	481,513
Held to maturity securities ($7,298 and $7,580 fair value at March 31, 2023 and December 31, 2022, respectively)	7,382	7,707
Federal Home Loan Bank stock	5,797	5,797
Loans, net of deferred net costs	4,799,582	4,733,201
Less: Allowance for credit losses on loans	46,685	46,032
Net loans	4,752,897	4,687,169
Bank premises and equipment, net	32,305	32,556
Operating lease right-of-use assets	43,478	44,727
Other assets	90,306	89,984
Total assets	6,045,808	6,000,052
Deposits:
Demand	806,075	838,147
Interest-bearing checking	1,124,785	1,183,321
Savings accounts	1,400,887	1,521,473
Money market deposit accounts	600,410	621,106
Time deposits	1,280,301	1,028,763
Total deposits	5,212,458	5,192,810
Short-term borrowings	134,293	122,700
Operating lease liabilities	47,643	48,980
Accrued expenses and other liabilities	36,711	35,575
Total liabilities	5,431,105	5,400,065
SHAREHOLDERS' EQUITY:
Capital stock par value $1.00; 30,000,000 shares authorized; 20,058,142 shares issued at March 31, 2023 and December 31, 2022, and 19,024,433 shares outstanding at March 31, 2023 and December 31, 2022	20,058	20,058
Surplus	257,078	257,078
Undivided profits	404,728	393,831
Accumulated other comprehensive loss, net of tax	(23,375)	(27,194)
Treasury stock at cost - 1,033,709 shares at March 31, 2023 and December 31, 2022, respectively	(43,786)	(43,786)
Total shareholders' equity	614,703	599,987
Total liabilities and shareholders' equity	$ 6,045,808	$ 6,000,052

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
ASSETS:
Held to maturity securities, fair value	$ 7,298	$ 7,580
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	20,058,142
Capital stock, shares outstanding (in shares)	19,024,433	19,024,433
Treasury stock, at cost (in shares)	1,033,709	1,033,709

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Income [Member]	Treasury Stock [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member] Capital Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Surplus [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Undivided Profits [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Accumulated Other Comprehensive Income [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Treasury Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]
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	$ 0	$ 0	$ (3,470)	$ 0	$ 0	$ (3,470)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	17,089	0	0	17,089
Other comprehensive income (loss), net of tax	0	0	0	(14,516)	0	(14,516)
Cash dividend declared	0	0	(6,727)	0	0	(6,727)
Purchase of treasury stock	0	0	0	0	(609)	(609)
Balance at Mar. 31, 2022	20,046	256,661	355,948	(2,369)	(37,391)	592,895
Balance at Dec. 31, 2022	20,058	257,078	393,831	(27,194)	(43,786)	599,987
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	17,746	0	0	17,746
Other comprehensive income (loss), net of tax	0	0	0	3,819	0	3,819
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Mar. 31, 2023	$ 20,058	$ 257,078	$ 404,728	$ (23,375)	$ (43,786)	$ 614,703

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Cash dividend declared (in dollars per share)	$ 0.35	$ 0.36
Purchase of treasury stock (in shares)	18,114

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Cash flows from operating activities:
Net income	$ 17,746	$ 17,089
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,008	1,024
Amortization of right-of-use asset	1,634	1,608
Net gain on sale of other real estate owned	(148)	(73)
Provision (credit) for credit losses	300	(200)
Deferred tax expense	1,816	744
Net amortization of securities	460	697
Net gain on sale of bank premises and equipment	0	(314)
Decrease in taxes receivable	5,456	489
(Increase) decrease in interest receivable	(198)	202
Increase (decrease) in interest payable	842	(32)
Increase in other assets	(3,583)	(2,601)
Decrease in operating lease liabilities	(1,722)	(1,713)
Decrease in accrued expenses and other liabilities	(4,831)	(5,943)
Total adjustments	1,034	(6,112)
Net cash provided by operating activities	18,780	10,977
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale	14,659	17,923
Proceeds from paydowns of held to maturity securities	311	716
Purchases of securities available for sale	(5,000)	(34,097)
Proceeds from maturities of securities available for sale	0	5,000
Net increase in loans	(66,328)	(25,516)
Proceeds from dispositions of other real estate owned	340	166
Proceeds from dispositions of bank premises and equipment	0	469
Purchases of bank premises and equipment	(757)	(796)
Net cash used in investing activities	(56,775)	(36,135)
Cash flows from financing activities:
Net increase in deposits	19,648	81,887
Net change in short-term borrowings	11,593	3,685
Purchases of treasury stock	0	(609)
Dividends paid	(6,861)	(6,727)
Net cash provided by financing activities	24,380	78,236
Net (decrease) increase in cash and cash equivalents	(13,615)	53,078
Cash and cash equivalents at beginning of period	650,599	1,219,470
Cash and cash equivalents at end of period	636,984	1,272,548
Cash paid during the year for:
Interest paid	6,125	1,226
Income taxes paid	471	5,090
Other non cash items:
Decrease in dividends payable	(12)	0
Change in unrealized (loss) gain on securities available for sale-gross	5,251	(19,225)
Change in deferred tax effect on unrealized loss (gain) on securities available for sale	(1,350)	4,974
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans	(111)	(358)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans	29	93
Impact to retained earnings from adoption of ASC 326, net of tax	$ 0	$ (3,470)

Financial Statement Presentatio

Financial Statement Presentation	3 Months Ended
	Mar. 31, 2023
Financial Statement Presentation [Abstract]
Financial Statement Presentation	(1) Financial Statement Presentation The unaudited Consolidated Interim Financial Statements of TrustCo Bank Corp NY (the “Company” or “TrustCo”) include the accounts of the Company’s subsidiary, Trustco Bank (also referred to as the “Bank”) and other subsidiaries after elimination of all significant intercompany accounts and transactions. Prior period amounts are reclassified when necessary to conform to the current period presentation. The net income reported for the three months ended March 31, 2023 is not necessarily indicative of the results that may be expected for the year ending December 31, 2023, or any interim periods. These financial statements consider events that occurred through the date of filing. In the opinion of the management of the Company, the accompanying unaudited Consolidated Interim Financial Statements contain all recurring adjustments necessary to present fairly the financial position as of March 31, 2023, the results of operations and cash flows for the three months ended March 31, 2023 and 2022. The accompanying unaudited Consolidated Interim Financial Statements should be read in conjunction with the Company’s year‑end Consolidated Financial Statements, including notes thereto, which are included in the Company’s Annual Report on Form 10‑K for the year ended December 31, 2022. The accompanying unaudited Consolidated Interim Financial Statements have been prepared in accordance with the applicable rules of the Securities and Exchange Commission (the “SEC”) and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with accounting principles generally accepted in the United States. Results of operations for the three months ended March 31, 2023 are not necessarily indicative of the results that may be expected for the year ending December 31, 2023. The accounting policies of the Company, as applied in the Consolidated Interim Financial Statements presented herein, are substantially the same as those followed on an annual basis in the Annual Report on Form 10-K for the year ended December 31, 2022 filed with the SEC on March 1, 2023. Risks and Uncertainties:

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2023
Earnings Per Share [Abstract]
Earnings Per Share	(2) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share A reconciliation of the component parts of earnings per share for the three months ended March 31, 2023 and 2022 is as follows: (in thousands, except per share data) For the three months ended March 31 2023 2022 Net income $ 17,746 $ 17,089 Weighted average common shares 19,024 19,209 Stock Options 3 1 Weighted average common shares including potential dilutive shares 19,027 19,210 Basic EPS $ 0.93 $ 0.89 Diluted EPS $ 0.93 $ 0.89 For the three months, ended March 31, 2023 and 2022 there were approximately 2 thousand and 60 thousand weighted average anti-dilutive stock options excluded from diluted earnings per share. The stock options are antidilutive because the strike price is greater than the average fair value of the Company’s common stock for the periods presented.

Benefit Plans

Benefit Plans	3 Months Ended
	Mar. 31, 2023
Benefit Plans [Abstract]
Benefit Plans	(3) Benefit Plans The table below outlines the components of the Company’s net periodic benefit recognized during the three months ended March 31, 2023 and 2022 for its pension and other postretirement benefit plans: Three March 31 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2023 2022 2023 2022 Service cost $ - $ - $ 2 $ 18 Interest cost 302 223 66 52 Expected return on plan assets (680 ) (817 ) (289 ) (333 ) Amortization of net gain - - (114 ) (78 ) Amortization of prior service cost (credit) - - 3 (280 ) Net periodic benefit $ (378 ) $ (594 ) $ (332 ) $ (621 ) The Company does not expect to contribute to its pension and postretirement benefit plans in 2023. As of March 31, 2023, no contributions have been made; however, this decision is reviewed each quarter and is subject to change based upon market conditions. Since 2003, the Company has not subsidized retiree medical insurance premiums. However, it continues to provide medical benefits and postretirement medical benefits to a limited number of current and retired executives in accordance with the terms of their employment contracts.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2023
Investment Securities [Abstract]
Investment Securities	(4) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: March 31 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 124,149 2 5,019 119,132 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 282,927 58 27,429 255,556 Corporate bonds 85,517 - 4,053 81,464 Small Business Administration - guaranteed participation securities 21,612 - 1,791 19,821 Other 686 - 34 652 Total Securities Available for Sale $ 514,925 60 38,326 476,659 December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses 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 The following table categorizes based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are presented separately: Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 40,384 38,887 Due after one year through five years 165,002 157,393 Due after five years through ten years 5,000 5,002 Mortgage backed securities and collateralized mortgage obligations - residential 282,927 255,556 Small Business Administration - guaranteed participation securities 21,612 19,821 $ 514,925 476,659 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: March 31 2023 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unreal. (dollars in thousands) Value Loss Value Loss Value Loss U.S. government sponsored enterprises $ 53,231 $ 932 $ 60,899 $ 4,087 $ 114,130 $ 5,019 Mortgage backed securities and collateralized mortgage obligations - residential 59,807 2,760 193,110 24,669 252,917 27,429 Corporate bonds 19,360 573 62,104 3,480 81,464 4,053 Small Business Administration - guaranteed participation securities - - 19,821 1,791 19,821 1,791 Other 48 2 567 32 615 34 Total $ 132,446 $ 4,267 $ 336,501 $ 34,059 $ 468,947 $ 38,326 December 31, 2022 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unreal. (dollars in thousands) Value Loss Value Loss Value 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 Small Business Administration - guaranteed participation securities 802 71 20,175 2,067 20,977 2,138 Other 49 1 568 32 617 33 Total $ 276,277 $ 16,767 $ 197,631 $ 26,785 $ 473,908 $ 43,552 There were no allowance for credit losses recorded for securities available for sale during the three months ended March 31, 2023. The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three months ended March 31, 2023 and 2022 are as follows: Three months ended March 31, (dollars in thousands) 2023 2022 Proceeds from sales $ - - Proceeds from calls/paydowns 14,659 17,923 Proceeds from maturities - 5,000 Gross realized gains - - Gross realized losses - - (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: March 31 2023 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,382 $ 95 $ 179 $ 7,298 Total held to maturity $ 7,382 $ 95 $ 179 $ 7,298 December 31, 2022 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses 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 The following table categorizes (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,382 7,298 $ 7,382 7,298 All held to maturity securities are held at cost on the financial statements. Gross unrecognized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrecognized loss position, were as follows: March 31, 2023 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrecognized Fair Unrecognized Fair Unrecognized Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 431 9 2,826 170 3,257 179 Total $ 431 9 2,826 170 3,257 179 December 31, 2022 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrecognized Fair Unrecognized Fair Unrecognized Value Loss Value Loss Value 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 There were no sales or transfers of held to maturity securities during the three months ended March 31, 2023 and 2022. There were no allowance for credit losses recorded for held to maturity securities during the three months ended March 31, 2023. There were no securities on non-accrual status and all securities were performing in accordance with contractual terms. Debt Securities Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. In determining OTTI for debt securities, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether any other‑than‑temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether management intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If management intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If management does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI on debt securities shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings through the provision for credit losses. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The Company does not intend to sell nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of March 31, 2023. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s strong capital and liquidity positions as well as its historically low turnover in the portfolio. As of March 31, 2023, the Company’s securities portfolio included certain securities, which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises: Mortgage backed securities and collateralized mortgage obligations – residential: Corporate Bonds & Other: As of March 31, 2023, corporate and other bonds held by the Company were 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 as of March 31, 2023. Small Business Administration (SBA) - guaranteed participation securities: As of March 31, 2023, all of the SBA securities held by the Company were issued and guaranteed by 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 as of March 31, 2023.

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2023
Loan Portfolio and Allowance for Credit Losses [Abstract]
Loan Portfolio and Allowance for Credit Losses	(5) Loan Portfolio and Allowance for Credit Losses The following tables presents loans by portfolio segment: March 31, 2023 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 182,287 $ 40,844 $ 223,131 Other 22,365 811 23,176 Real estate mortgage - 1 to 4 family: First mortgages 2,760,159 1,424,592 4,184,751 Home equity loans 44,112 12,596 56,708 Home equity lines of credit 193,645 102,845 296,490 Installment 11,484 3,842 15,326 Total loans, net $ 3,214,052 $ 1,585,530 4,799,582 Less: Allowance for credit losses 46,685 Net loans $ 4,752,897 * Includes New York, New Jersey, Vermont and Massachussetts. 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 Massachussetts Included in commercial loans above are Paycheck Protection Program (“PPP”) loans totaling $854 thousand and $3.0 million as of March 31, 2023 and 2022, respectively. As of March 31, 2023, the Company had approximately $30.7 million of real estate construction loans. Of the $30.7 million in real estate construction loans as of March 31, 2023, approximately $8.3 million are secured by first mortgages to residential borrowers while approximately $22.4 million were to commercial borrowers for residential construction projects. The vast majority of construction loans are in the Company’s New York market. At December 31, 2022, the Company had approximately $36.4 million of real estate construction loans. Of the $36.4 million in real estate construction loans at December 31, 2022, approximately $14.1 million are secured by first mortgages to residential borrowers while approximately $22.3 million were to commercial borrowers for residential construction projects. The vast majority of construction loans were in the Company’s New York market. Allowance for credit losses on loans The level of the ACLL is based on factors that influence management’s current estimate of expected credit losses including past events and current conditions. Consistent with previous periods, the Company has determined the Stagflation forecast scenario to be appropriate for the March 31, 2023 ACLL calculation. The Company selected the stagflation economic forecast for credit losses as management expects that markets will experience a slight decline in economic conditions and a slight increase in the unemployment rate over the next two years. Activity in the allowance for credit losses on loans by portfolio segment is summarized as follows: For the three months ended March 31, 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 43,271 165 46,032 Loans charged off: New York and other states* - - 17 17 Florida - - 31 31 Total loan chargeoffs - - 48 48 Recoveries of loans previously charged off: New York and other states* - 53 23 76 Florida - 25 - 25 Total recoveries - 78 23 101 Net loans (recoveries) charged off - (78 ) 25 (53 ) Provision for credit losses 112 417 71 600 Balance at end of period $ 2,708 43,766 211 46,685 * Includes New York, New Jersey, Vermont and Massachusetts For the three months ended March 31, 2022 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 3,135 40,689 443 44,267 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January 1, 2022 as adjusted for ASU 2016-13 $ 2,149 44,406 65 46,620 Loans charged off: New York and other states* 36 - 10 46 Florida - - 1 1 Total loan chargeoffs 36 - 11 47 Recoveries of loans previously charged off: New York and other states* - 97 8 105 Florida - - - - Total recoveries - 97 8 105 Net loan recoveries 36 (97 ) 3 (58 ) (Credit) provision for loan losses 64 (572 ) 8 (500 ) Balance at end of period $ 2,177 43,931 70 46,178 * 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 was as follows: (In thousands) For the three months ended March 31, 2023 Balance at January 1, 2023 $ 2,912 Credit provision for credit losses (300 ) Balance at March 31, 2023 $ 2,612 (In thousands) For the three months ended March 31, 2022 Balance at January 1, 2022 $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January 1, 2022 2,353 Provision for credit losses 300 Balance at March 31, 2022 $ 2,653 Loan Credit Quality The Company categorizes commercial loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, the Company’s loan grading process analyzes non-homogeneous loans, such as commercial loans and commercial real estate loans, individually by grading the loans based on credit risk. The loan grades assigned to all loan types are tested by the Company’s internal loan review department in accordance with the Company’s internal loan review policy. The Company uses the following definitions for classified loans: Special Mention : Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company’s credit position at some future date. Substandard : Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as such have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful : Loans classified as doubtful have all the weaknesses inherent in those loans classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be “pass” rated loans. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for credit losses on loans. The payment status of these homogeneous pools as of March 31, 2023 is also included in the aging of the past due loans table. Nonperforming loans shown in the table below were loans on nonaccrual status and loans over 90 days past due and accruing. As of March 31, 2023 and December 31, 2022, based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs for each loan type by origination year was as follows: (in thousands) As of March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Commercial : 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 14,677 $ 82,642 $ 29,717 $ 18,227 $ 21,718 $ 45,613 $ 8,516 $ - $ 221,110 Special Mention - - - 58 - 238 - - 296 Substandard - - - 112 - 1,613 - - 1,725 Total Commercial Loans $ 14,677 $ 82,642 $ 29,717 $ 18,397 $ 21,718 $ 47,464 $ 8,516 $ - $ 223,131 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 1,619 $ 3,300 $ 2,617 $ 2,007 $ 573 $ 2,847 $ 9,739 $ - $ 22,702 Special mention - - - - - - 38 - 38 Substandard - - 338 - - 98 - - 436 Total Commercial Real Estate Loans $ 1,619 $ 3,300 $ 2,955 $ 2,007 $ 573 $ 2,945 $ 9,777 $ - $ 23,176 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 87,414 $ 576,805 $ 921,308 $ 771,897 $ 360,905 $ 1,449,519 $ 1,360 $ - $ 4,169,208 Nonperforming - - 567 322 1,296 13,358 - - 15,543 Total First Mortgage: $ 87,414 $ 576,805 $ 921,875 $ 772,219 $ 362,201 $ 1,462,877 $ 1,360 $ - $ 4,184,751 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - - - - - - - - $ - Home Equity Lines: Risk rating Performing $ 2,103 $ 6,750 $ 8,828 $ 6,205 $ 7,313 $ 25,310 $ - $ - $ 56,509 Nonperforming - - - - - 199 - - 199 Total Home Equity Lines: $ 2,103 $ 6,750 $ 8,828 $ 6,205 $ 7,313 $ 25,509 $ - $ - $ 56,708 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 52 $ 509 $ 434 $ 101 $ 39 $ 16,510 $ 276,428 $ - $ 294,073 Nonperforming - - 7 - - 2,143 267 - 2,417 Total Home Equity Credit Lines: $ 52 $ 509 $ 441 $ 101 $ 39 $ 18,653 $ 276,695 $ - $ 296,490 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Installments: Risk rating Performing $ 3,780 $ 6,300 $ 2,190 $ 671 $ 528 $ 636 $ 1,100 $ - $ 15,205 Nonperforming - - 53 - 64 - 4 - 121 Total Installments $ 3,780 $ 6,300 $ 2,243 $ 671 $ 592 $ 636 $ 1,104 $ - $ 15,326 Installments Loans: Current-period Gross writeoffs $ - $ 24 $ 7 $ 5 $ - $ 12 $ - $ - $ 48 $ - $ 24 $ 7 $ 5 $ - $ 12 $ - $ - $ 48 (in thousands) As of December 31, 2022 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 $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: 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 First Mortgage: $ 557,981 $ 934,250 $ 784,592 $ 368,981 $ 258,277 $ 1,241,349 $ 1,472 $ - $ 4,146,902 Residential First 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 Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Credit Lines: 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 Credit Lines Loans: 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 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 foreclosure or through a deed in lieu). Other real estate owned is included in other assets on the Balance Sheet. As of March 31, 2023 other real estate owned included $1.9 million of residential foreclosed properties. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had an amortized cost of $8.7 million as of March 31, 2023. The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2023 and December 31, 2022: As of March 31 2023 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - 525 525 181,762 182,287 Other 39 - 5 44 22,321 22,365 Real estate mortgage - 1 to 4 family: First mortgages 2,412 1,017 8,041 11,470 2,748,689 2,760,159 Home equity loans 245 68 67 380 43,732 44,112 Home equity lines of credit 298 - 848 1,146 192,499 193,645 Installment 10 34 58 102 11,382 11,484 Total $ 3,004 1,119 9,544 13,667 3,200,385 3,214,052 Florida: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 40,844 40,844 Other - - 314 314 497 811 Real estate mortgage - 1 to 4 family: First mortgages 289 80 1,651 2,020 1,422,572 1,424,592 Home equity loans - 7 - 7 12,589 12,596 Home equity lines of credit - - - - 102,845 102,845 Installment 52 - 62 114 3,728 3,842 Total $ 341 87 2,027 2,455 1,583,075 1,585,530 Total: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - 525 525 222,606 223,131 Other 39 - 319 358 22,818 23,176 Real estate mortgage - 1 to 4 family: First mortgages 2,701 1,097 9,692 13,490 4,171,261 4,184,751 Home equity loans 245 75 67 387 56,321 56,708 Home equity lines of credit 298 - 848 1,146 295,344 296,490 Installment 62 34 120 216 15,110 15,326 Total $ 3,345 1,206 11,571 16,122 4,783,460 4,799,582 * Includes New York, New Jersey, Vermont and Massachusetts. As of December 31, 2022 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans 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 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans 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 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans 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. As of March 31, 2023, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans include all loans 90 days or more past due as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or restructured loans. Loans individually evaluated for impairment include non-accrual commercial loans, as well as all loan modifications. As of March 31, 2023, there was no allowance for credit losses based on the loans individually evaluated for impairment. Residential and installment non-accrual loans which are not loan modifications are collectively evaluated to determine the allowance for credit loss. The following tables present the amortized cost basis in non-accrual loans by portfolio segment: As of March 31 2023 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 555 $ - $ 555 Other 5 314 319 Real estate mortgage - 1 to 4 family: First mortgages 13,333 2,210 15,543 Home equity loans 151 48 199 Home equity lines of credit 2,238 179 2,417 Installment 59 62 121 Total non-accrual loans 16,341 2,813 19,154 Restructured real estate mortgages - 1 to 4 family 8 - 8 Total nonperforming loans $ 16,349 $ 2,813 $ 19,162 * Includes New York, New Jersey, Vermont and Massachusetts. As of 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. The following tables present the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2023 and December 31, 2022: As of March 31, 2023 (dollars in thousands) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over 89 Days Credit Loss Credit Loss Still Accruing Commercial: Commercial real estate $ 153 $ 402 - Other 5 314 - Real estate mortgage - 1 to 4 family: First mortgages 12,894 2,649 - Home equity loans 126 73 - Home equity lines of credit 2,216 201 - Installment 81 40 - Total loans, net $ 15,475 $ 3,679 - As of December (dollars in s) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over Days Credit Loss Credit Loss 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 $3.7 million and $1.3 million was collectively evaluated and the associated allowance for credit losses on loans was not material as of March 31, 2023 and December 31, 2022, respectively. The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2023 and December 31, 2022: As of March 31 2023 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,708 43,766 211 46,685 Total ending allowance balance $ 2,708 43,766 211 46,685 Loans: Individually evaluated for impairment $ 986 23,934 81 25,001 Collectively evaluated for impairment 245,321 4,514,015 15,245 4,774,581 Total ending loans balance $ 246,307 4,537,949 15,326 4,799,582 As of December 31, 2022 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate 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 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 tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2023 and December 31, 2022: As of March 31, 2023 Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 667 - - Other 319 - - Real estate mortgage - 1 to 4 family: First mortgages 20,512 - - Home equity loans 231 - - Home equity lines of credit 3,191 - - Installment 81 - - Total $ 25,001 - - 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 - - The Company has not committed to lend additional amounts to customers with outstanding loans that are modified. Interest income recognized on loans that are individually evaluated was not material during the three months ended March 31, 2023 and 2022 . As of March 31, 2023 and 2022 loans individually evaluated included approximately $8.8 million and $9.8 million, respectively, of loans in accruing status that were identified as loan modifications in accordance with regulatory guidance related to Chapter 7 bankruptcy loans. Pursuant to the adoption of ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructuring and Vintage Disclosures (“ASU 2022-02”) a borrower that is experiencing financial difficulty and receives a modification in the form of principal forgiveness, interest rate reduction, an other-than-insignificant payment delay or a term extension in the current period needs to be disclosed. For the three months ended March 31, 2023, there were no loan modifications provided to borrowers experiencing financial difficulty. Prior to the adoption of ASU 2022-02, the company accounted for loan modifications as Troubled Debt Restructurings (TDRs) and the following table presents, by class, loans that were modified as TDR’s for the three months ended March 31, 2022: Three months ended March 31, 2022 New York and other states*: Pre-Modification Post-Modification Outstanding Outstanding Number of Recorded Recorded (dollars in thousands) Contracts Investment Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans 3 370 370 Home equity lines of credit - - - Total 3 $ 370 370 Florida: Pre-Modification Post-Modification Outstanding Outstanding Number of Recorded Recorded (dollars in thousands) Contracts Investment Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans - - - Home equity lines of credit - - - Total - $ - - * Includes New York, New Jersey, Vermont and Massachusetts. The addition of these TDR’s did not have a significant impact on the allowance for credit losses on loans. The nature of the modifications that resulted in them being classified as a TDR was the borrower filing for bankruptcy protection. There were no loans that defaulted during the months ended March and which had been classified as a loan modification within the months. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter bankruptcies generally include the deferral of all past due amounts for a period of generally in accordance with the bankruptcy court order. In the case of Chapter bankruptcies even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they did not reaffirm the debt. A loan is considered to be in payment default once it is contractually past due under the modified terms. In situations involving a borrower filing for Chapter bankruptcy protection, however, a loan is considered to be in payment default once it is contractually past due, consistent with the treatment by the bankruptcy court.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2023
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	(6) Fair Value of Financial Instruments Fair value measurements (ASC 820 ) Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Individually evaluated loans : Periodically the Company records non-recurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans. Non-recurring adjustments can also include certain adjustments for collateral-dependent loans to adjust balances to fair value and generally have had a through the allowance for credit losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. Indications of value for both collateral-dependent loans and other real estate owned are obtained from third party providers or the Company’s internal Appraisal Department. All indications of value are reviewed for reasonableness by a member of the Appraisal Department for the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value via comparison with independent data sources such as recent market data or industry-wide statistics. Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at March 31 2023 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) U.S. government sponsored enterprises $ 119,132 $ - $ 119,132 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 255,556 - 255,556 - Corporate bonds 81,464 - 81,464 - Small Business Administration- guaranteed participation securities 19,821 - 19,821 - Other securities 652 - 652 - Total securities available for sale $ 476,659 $ - $ 476,659 $ - Fair Value Measurements at December 31, 2022 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (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 securities 653 - 653 - Total securities available for sale $ 481,513 $ - $ 481,513 $ - There were transfers between Level and Level during the months ended and . Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at March 31, 2023 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 1,869 $ - $ - $ 1,869 Sales comparison approach Adjustments for differences between comparable sales 3% - 94% (49 %) Fair Value Measurements at December 31, 2022 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (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 %) Other real estate owned, that is carried at fair value less costs to sell was approximately $ million as of and consisted of only residential real estate properties. There were no valuation charges included in earnings for the three months ended March 31, 2023 Of the total individually evaluated loans of $ million as of March 31, 2023, there are loans that are collateral dependent and are carried at fair value measured on a non-recurring basis Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were specific valuation allowances for these loans as of March 31, 2023. 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 $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. The : (dollars in thousands) Fair Value Measurements at Carrying March 31 2023 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 636,984 636,984 - - 636,984 Securities available for sale 476,659 - 476,659 - 476,659 Held to maturity securities 7,382 - 7,298 - 7,298 Federal Home Loan Bank stock 5,797 N/A N/A N/A N/A Net loans 4,752,897 - - 4,374,988 4,374,988 Accrued interest receivable 11,690 651 1,811 9,228 11,690 Financial liabilities: Demand deposits 806,075 806,075 - - 806,075 Interest bearing deposits 4,406,383 3,126,082 1,266,871 - 4,392,953 Short-term borrowings 134,293 - 134,293 - 134,293 Accrued interest payable 1,444 144 1,300 - 1,444 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2022 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

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	3 Months Ended
	Mar. 31, 2023
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	(7) Accumulated Other Comprehensive Loss The following is a summary of the accumulated other comprehensive income loss balances, net of tax: Three months ended March 31, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2022 Reclassifications Loss 3/31/2023 3/31/2023 Net unrealized holding gain on securities available for sale, net of tax $ (32,271 ) $ 3,901 $ - $ 3,901 $ (28,370 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,511 ) - (82 ) (82 ) (2,593 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) $ 3,901 $ (82 ) $ 3,819 $ (23,375 ) Three months ended March 31, 2022 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2021 Reclassifications Loss 3/31/2022 3/31/2022 Net unrealized holding loss on securities available for sale, net of tax $ (26 ) $ (14,251 ) $ - $ (14,251 ) $ (14,277 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 - - - 13,706 Net change in net actuarial gain and prior service credit on pension and postretirement benefit plans, net of tax (1,533 ) - (265 ) (265 ) (1,798 ) Accumulated other comprehensive loss, net of tax $ 12,147 $ (14,251 ) $ (265 ) $ (14,516 ) $ (2,369 ) The following represents the reclassifications out of accumulated other comprehensive loss for the three months ended March 31, 2023 and 2022: (dollars in thousands) Three months ended March 31 2023 2022 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 114 $ 78 Salaries and employee benefits Amortization of prior service (cost) credit (3 ) 280 Salaries and employee benefits Income tax (benefit) expense (29 ) (93 ) Income taxes Net of tax 82 265 Total reclassifications, net of tax $ 82 $ 265

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Mar. 31, 2023
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	(8) Revenue from Contracts with Customers All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the three months ended March 31, 2023 and 2022. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended March 31 2023 2022 Non-interest income Service Charges on Deposits Overdraft fees $ 680 $ 646 Other 532 790 Interchange Income 1,479 1,702 Wealth management fees 1,774 1,833 Other (a) 204 212 Total non-interest income $ 4,669 $ 5,183 (a) Not within the scope of ASC 606. A description of how the Company’s revenue streams accounted for ASC 606 is set forth below: Service charges on Deposit Accounts: Interchange Income: Wealth Management fees:

Operating Leases

Operating Leases	3 Months Ended
	Mar. 31, 2023
Operating Leases [Abstract]
Operating Leases	(9) Operating Leases The Company has committed to rent premises used in business operations under non-cancelable operating leases and determines if an arrangement meets the definition of a lease upon inception. Operating leases are included in operating lease right-of-use (“ROU”) assets and operating lease liabilities on the Company’s balance sheets. Operating lease ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Operating lease ROU assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term. The Company’s leases do not provide an implicit rate, therefore the Company used its incremental collateralized borrowing rates commensurate with the underlying lease terms to determine present value of operating lease liabilities. Additionally, the Company does allocate the consideration between lease and non-lease components. The Company’s lease terms may include options to extend when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. Variable lease components, such as fair market value adjustments, are expensed as incurred and not included in ROU assets and operating lease liabilities. Leases with an initial term of 12 months or less are not recorded on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. As of March 31, 2023, the Company did not have any leases with terms of twelve months or less. As of March 31, 2023 , , Other information related to leases was as follows: (dollars in thousands) Three months ended March 31 2023 2022 Operating lease cost $ 2,050 $ 2,052 Variable lease cost 585 596 Total Lease costs $ 2,635 $ 2,648 (dollars in thousands) Three months ended March 31 2023 2022 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,072 $ 2,093 Right-of-use assets obtained in exchange for lease obligations: 385 2,087 Weighted average remaining lease term 8.7 9.3 years Weighted average discount rate 3.00 % 2.96 % Future minimum lease payments under non-cancellable leases as of March 31, 2023 were as follows: (dollars in thousands) Year ending December 31 2023 (a) $ 6,254 2024 8,287 2025 7,885 2026 6,910 2027 5,631 Thereafter 19,334 Total lease payments $ 54,301 Less: Interest 6,658 Present value of lease liabilities $ 47,643 (a) Excluding the three months ended March 31, 2023. A member of the Board of Directors has an ownership interest in five entities that own commercial real estate leased by the Company for use as branch locations. Total lease payments from the Company to those entities, which are included in the table above, owed as of

Regulatory Capital Requirements

Regulatory Capital Requirements	3 Months Ended
	Mar. 31, 2023
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(10) Regulatory Capital Requirements Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy regulations and, additionally for banks, the prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can result in regulatory action. As of March 31, 2023, the Company and Bank meet all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is not classified as well capitalized, regulatory approval is required to accept brokered deposits. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of March 31, 2023 and December 31, 2022, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank and the Company reported the following capital ratios as of : (Bank Only) Minimum for As of March 31, 2023 Well Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio 619,731 10.305 % 5.000 % 4.000 % Common equity tier 1 capital 619,731 18.470 6.500 7.000 Tier 1 risk-based capital 619,731 18.470 8.000 8.500 Total risk-based capital 661,764 19.723 10.000 10.500 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 (Consolidated) As of March 31, 2023 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio 637,524 10.594 % 4.000 % Common equity tier 1 capital 637,524 18.995 7.000 Tier 1 risk-based capital 637,524 18.995 8.500 Total risk-based capital 679,570 20.248 10.500 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 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The March 31, 2023 and December 31, 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent

New Accounting Pronouncements

New Accounting Pronouncements	3 Months Ended
	Mar. 31, 2023
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	(11) New Accounting Pronouncements Staff Accounting Bulletin (“SAB”) No. 121 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 was permitted, including adoption in an interim period. An entity may have elected to adopt the loan modification guidance and related disclosure enhancements separately from the amendments related to vintage disclosures. The Company adopted the ASU on January 1, 2023 using the prospective approach and the adoption did not have a material impact to the Company however, disclosures were modified for the new guidance.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2023
Earnings Per Share [Abstract]
Reconciliation of Earnings Per Share	A reconciliation of the component parts of earnings per share for the three months ended March 31, 2023 and 2022 is as follows: (in thousands, except per share data) For the three months ended March 31 2023 2022 Net income $ 17,746 $ 17,089 Weighted average common shares 19,024 19,209 Stock Options 3 1 Weighted average common shares including potential dilutive shares 19,027 19,210 Basic EPS $ 0.93 $ 0.89 Diluted EPS $ 0.93 $ 0.89

Benefit Plans (Tables)

Benefit Plans (Tables)	3 Months Ended
	Mar. 31, 2023
Benefit Plans [Abstract]
Net Periodic Benefit	The table below outlines the components of the Company’s net periodic benefit recognized during the three months ended March 31, 2023 and 2022 for its pension and other postretirement benefit plans: Three March 31 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2023 2022 2023 2022 Service cost $ - $ - $ 2 $ 18 Interest cost 302 223 66 52 Expected return on plan assets (680 ) (817 ) (289 ) (333 ) Amortization of net gain - - (114 ) (78 ) Amortization of prior service cost (credit) - - 3 (280 ) Net periodic benefit $ (378 ) $ (594 ) $ (332 ) $ (621 )

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2023
Investment Securities [Abstract]
Amortized Cost and Fair Value of Securities Available For Sale	The amortized cost and fair value of the securities available for sale are as follows: March 31 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 124,149 2 5,019 119,132 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 282,927 58 27,429 255,556 Corporate bonds 85,517 - 4,053 81,464 Small Business Administration - guaranteed participation securities 21,612 - 1,791 19,821 Other 686 - 34 652 Total Securities Available for Sale $ 514,925 60 38,326 476,659 December 31, 2022 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses 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
Securities, Available-for-sale and Held-to-maturity [Abstract]
Proceeds from Sales and Calls of Securities Available For Sale, Gross Realized Gains and Gross Realized Losses	The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three months ended March 31, 2023 and 2022 are as follows: Three months ended March 31, (dollars in thousands) 2023 2022 Proceeds from sales $ - - Proceeds from calls/paydowns 14,659 17,923 Proceeds from maturities - 5,000 Gross realized gains - - Gross realized losses - -
Amortized Cost and Fair Value of Held to Maturity Securities	The amortized cost and fair value of the held to maturity securities are as follows: March 31 2023 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,382 $ 95 $ 179 $ 7,298 Total held to maturity $ 7,382 $ 95 $ 179 $ 7,298 December 31, 2022 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses 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
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 based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are presented separately: Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 40,384 38,887 Due after one year through five years 165,002 157,393 Due after five years through ten years 5,000 5,002 Mortgage backed securities and collateralized mortgage obligations - residential 282,927 255,556 Small Business Administration - guaranteed participation securities 21,612 19,821 $ 514,925 476,659
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: March 31 2023 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unreal. (dollars in thousands) Value Loss Value Loss Value Loss U.S. government sponsored enterprises $ 53,231 $ 932 $ 60,899 $ 4,087 $ 114,130 $ 5,019 Mortgage backed securities and collateralized mortgage obligations - residential 59,807 2,760 193,110 24,669 252,917 27,429 Corporate bonds 19,360 573 62,104 3,480 81,464 4,053 Small Business Administration - guaranteed participation securities - - 19,821 1,791 19,821 1,791 Other 48 2 567 32 615 34 Total $ 132,446 $ 4,267 $ 336,501 $ 34,059 $ 468,947 $ 38,326 December 31, 2022 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unreal. (dollars in thousands) Value Loss Value Loss Value 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 Small Business Administration - guaranteed participation securities 802 71 20,175 2,067 20,977 2,138 Other 49 1 568 32 617 33 Total $ 276,277 $ 16,767 $ 197,631 $ 26,785 $ 473,908 $ 43,552
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 (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,382 7,298 $ 7,382 7,298
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrecognized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrecognized loss position, were as follows: March 31, 2023 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrecognized Fair Unrecognized Fair Unrecognized Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 431 9 2,826 170 3,257 179 Total $ 431 9 2,826 170 3,257 179 December 31, 2022 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrecognized Fair Unrecognized Fair Unrecognized Value Loss Value Loss Value 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

Loan Portfolio and Allowance _2

Loan Portfolio and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2023
Loan Portfolio and Allowance for Credit Losses [Abstract]
Recorded Investment in Loans by Portfolio Segment	The following tables presents loans by portfolio segment: March 31, 2023 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 182,287 $ 40,844 $ 223,131 Other 22,365 811 23,176 Real estate mortgage - 1 to 4 family: First mortgages 2,760,159 1,424,592 4,184,751 Home equity loans 44,112 12,596 56,708 Home equity lines of credit 193,645 102,845 296,490 Installment 11,484 3,842 15,326 Total loans, net $ 3,214,052 $ 1,585,530 4,799,582 Less: Allowance for credit losses 46,685 Net loans $ 4,752,897 * Includes New York, New Jersey, Vermont and Massachussetts. 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 Massachussetts
Activity in Allowance For Credit Losses on Loans by Portfolio Segment	Activity in the allowance for credit losses on loans by portfolio segment is summarized as follows: For the three months ended March 31, 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 43,271 165 46,032 Loans charged off: New York and other states* - - 17 17 Florida - - 31 31 Total loan chargeoffs - - 48 48 Recoveries of loans previously charged off: New York and other states* - 53 23 76 Florida - 25 - 25 Total recoveries - 78 23 101 Net loans (recoveries) charged off - (78 ) 25 (53 ) Provision for credit losses 112 417 71 600 Balance at end of period $ 2,708 43,766 211 46,685 * Includes New York, New Jersey, Vermont and Massachusetts For the three months ended March 31, 2022 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 3,135 40,689 443 44,267 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January 1, 2022 as adjusted for ASU 2016-13 $ 2,149 44,406 65 46,620 Loans charged off: New York and other states* 36 - 10 46 Florida - - 1 1 Total loan chargeoffs 36 - 11 47 Recoveries of loans previously charged off: New York and other states* - 97 8 105 Florida - - - - Total recoveries - 97 8 105 Net loan recoveries 36 (97 ) 3 (58 ) (Credit) provision for loan losses 64 (572 ) 8 (500 ) Balance at end of period $ 2,177 43,931 70 46,178 * 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 was as follows: (In thousands) For the three months ended March 31, 2023 Balance at January 1, 2023 $ 2,912 Credit provision for credit losses (300 ) Balance at March 31, 2023 $ 2,612 (In thousands) For the three months ended March 31, 2022 Balance at January 1, 2022 $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January 1, 2022 2,353 Provision for credit losses 300 Balance at March 31, 2022 $ 2,653
Risk Category Loans by Class of Loans	As of March 31, 2023 and December 31, 2022, based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs for each loan type by origination year was as follows: (in thousands) As of March 31, 2023 Term Loans Amortized Cost Basis by Origination Year Commercial : 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 14,677 $ 82,642 $ 29,717 $ 18,227 $ 21,718 $ 45,613 $ 8,516 $ - $ 221,110 Special Mention - - - 58 - 238 - - 296 Substandard - - - 112 - 1,613 - - 1,725 Total Commercial Loans $ 14,677 $ 82,642 $ 29,717 $ 18,397 $ 21,718 $ 47,464 $ 8,516 $ - $ 223,131 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 1,619 $ 3,300 $ 2,617 $ 2,007 $ 573 $ 2,847 $ 9,739 $ - $ 22,702 Special mention - - - - - - 38 - 38 Substandard - - 338 - - 98 - - 436 Total Commercial Real Estate Loans $ 1,619 $ 3,300 $ 2,955 $ 2,007 $ 573 $ 2,945 $ 9,777 $ - $ 23,176 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 87,414 $ 576,805 $ 921,308 $ 771,897 $ 360,905 $ 1,449,519 $ 1,360 $ - $ 4,169,208 Nonperforming - - 567 322 1,296 13,358 - - 15,543 Total First Mortgage: $ 87,414 $ 576,805 $ 921,875 $ 772,219 $ 362,201 $ 1,462,877 $ 1,360 $ - $ 4,184,751 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - - - - - - - - $ - Home Equity Lines: Risk rating Performing $ 2,103 $ 6,750 $ 8,828 $ 6,205 $ 7,313 $ 25,310 $ - $ - $ 56,509 Nonperforming - - - - - 199 - - 199 Total Home Equity Lines: $ 2,103 $ 6,750 $ 8,828 $ 6,205 $ 7,313 $ 25,509 $ - $ - $ 56,708 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 52 $ 509 $ 434 $ 101 $ 39 $ 16,510 $ 276,428 $ - $ 294,073 Nonperforming - - 7 - - 2,143 267 - 2,417 Total Home Equity Credit Lines: $ 52 $ 509 $ 441 $ 101 $ 39 $ 18,653 $ 276,695 $ - $ 296,490 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Installments: Risk rating Performing $ 3,780 $ 6,300 $ 2,190 $ 671 $ 528 $ 636 $ 1,100 $ - $ 15,205 Nonperforming - - 53 - 64 - 4 - 121 Total Installments $ 3,780 $ 6,300 $ 2,243 $ 671 $ 592 $ 636 $ 1,104 $ - $ 15,326 Installments Loans: Current-period Gross writeoffs $ - $ 24 $ 7 $ 5 $ - $ 12 $ - $ - $ 48 $ - $ 24 $ 7 $ 5 $ - $ 12 $ - $ - $ 48 (in thousands) As of December 31, 2022 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 $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: 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 First Mortgage: $ 557,981 $ 934,250 $ 784,592 $ 368,981 $ 258,277 $ 1,241,349 $ 1,472 $ - $ 4,146,902 Residential First 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 Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Credit Lines: 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 Credit Lines Loans: 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
Aging of Recorded Investment in Past Due Loans by Loan Class and by Region	The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2023 and December 31, 2022: As of March 31 2023 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - 525 525 181,762 182,287 Other 39 - 5 44 22,321 22,365 Real estate mortgage - 1 to 4 family: First mortgages 2,412 1,017 8,041 11,470 2,748,689 2,760,159 Home equity loans 245 68 67 380 43,732 44,112 Home equity lines of credit 298 - 848 1,146 192,499 193,645 Installment 10 34 58 102 11,382 11,484 Total $ 3,004 1,119 9,544 13,667 3,200,385 3,214,052 Florida: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 40,844 40,844 Other - - 314 314 497 811 Real estate mortgage - 1 to 4 family: First mortgages 289 80 1,651 2,020 1,422,572 1,424,592 Home equity loans - 7 - 7 12,589 12,596 Home equity lines of credit - - - - 102,845 102,845 Installment 52 - 62 114 3,728 3,842 Total $ 341 87 2,027 2,455 1,583,075 1,585,530 Total: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - 525 525 222,606 223,131 Other 39 - 319 358 22,818 23,176 Real estate mortgage - 1 to 4 family: First mortgages 2,701 1,097 9,692 13,490 4,171,261 4,184,751 Home equity loans 245 75 67 387 56,321 56,708 Home equity lines of credit 298 - 848 1,146 295,344 296,490 Installment 62 34 120 216 15,110 15,326 Total $ 3,345 1,206 11,571 16,122 4,783,460 4,799,582 * Includes New York, New Jersey, Vermont and Massachusetts. As of December 31, 2022 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans 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 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans 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 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans 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.
Recorded Investment in Non-Accrual Loans by Loan Class	The following tables present the amortized cost basis in non-accrual loans by portfolio segment: As of March 31 2023 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 555 $ - $ 555 Other 5 314 319 Real estate mortgage - 1 to 4 family: First mortgages 13,333 2,210 15,543 Home equity loans 151 48 199 Home equity lines of credit 2,238 179 2,417 Installment 59 62 121 Total non-accrual loans 16,341 2,813 19,154 Restructured real estate mortgages - 1 to 4 family 8 - 8 Total nonperforming loans $ 16,349 $ 2,813 $ 19,162 * Includes New York, New Jersey, Vermont and Massachusetts. As of 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.
Loans on Non-Accrual Status and Past Due More than 90 Days	The following tables present the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2023 and December 31, 2022: As of March 31, 2023 (dollars in thousands) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over 89 Days Credit Loss Credit Loss Still Accruing Commercial: Commercial real estate $ 153 $ 402 - Other 5 314 - Real estate mortgage - 1 to 4 family: First mortgages 12,894 2,649 - Home equity loans 126 73 - Home equity lines of credit 2,216 201 - Installment 81 40 - Total loans, net $ 15,475 $ 3,679 - As of December (dollars in s) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over Days Credit Loss Credit Loss 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 -
Allowance For Credit Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method	The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2023 and December 31, 2022: As of March 31 2023 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,708 43,766 211 46,685 Total ending allowance balance $ 2,708 43,766 211 46,685 Loans: Individually evaluated for impairment $ 986 23,934 81 25,001 Collectively evaluated for impairment 245,321 4,514,015 15,245 4,774,581 Total ending loans balance $ 246,307 4,537,949 15,326 4,799,582 As of December 31, 2022 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate 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
Amortized Cost of Collateral-dependent Loans by Class	The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2023 and December 31, 2022: As of March 31, 2023 Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 667 - - Other 319 - - Real estate mortgage - 1 to 4 family: First mortgages 20,512 - - Home equity loans 231 - - Home equity lines of credit 3,191 - - Installment 81 - - Total $ 25,001 - - 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	Prior to the adoption of ASU 2022-02, the company accounted for loan modifications as Troubled Debt Restructurings (TDRs) and the following table presents, by class, loans that were modified as TDR’s for the three months ended March 31, 2022: Three months ended March 31, 2022 New York and other states*: Pre-Modification Post-Modification Outstanding Outstanding Number of Recorded Recorded (dollars in thousands) Contracts Investment Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans 3 370 370 Home equity lines of credit - - - Total 3 $ 370 370 Florida: Pre-Modification Post-Modification Outstanding Outstanding Number of Recorded Recorded (dollars in thousands) Contracts Investment Investment Commercial: Commercial real estate - $ - - Real estate mortgage - 1 to 4 family: First mortgages - - - Home equity loans - - - Home equity lines of credit - - - Total - $ - - * Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2023
Fair Value of Financial Instruments [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at March 31 2023 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) U.S. government sponsored enterprises $ 119,132 $ - $ 119,132 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 255,556 - 255,556 - Corporate bonds 81,464 - 81,464 - Small Business Administration- guaranteed participation securities 19,821 - 19,821 - Other securities 652 - 652 - Total securities available for sale $ 476,659 $ - $ 476,659 $ - Fair Value Measurements at December 31, 2022 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (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 securities 653 - 653 - Total securities available for sale $ 481,513 $ - $ 481,513 $ -
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at March 31, 2023 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 1,869 $ - $ - $ 1,869 Sales comparison approach Adjustments for differences between comparable sales 3% - 94% (49 %) Fair Value Measurements at December 31, 2022 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (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 %)
Carrying Amounts and Estimated Fair Values of Financial Instruments	The : (dollars in thousands) Fair Value Measurements at Carrying March 31 2023 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 636,984 636,984 - - 636,984 Securities available for sale 476,659 - 476,659 - 476,659 Held to maturity securities 7,382 - 7,298 - 7,298 Federal Home Loan Bank stock 5,797 N/A N/A N/A N/A Net loans 4,752,897 - - 4,374,988 4,374,988 Accrued interest receivable 11,690 651 1,811 9,228 11,690 Financial liabilities: Demand deposits 806,075 806,075 - - 806,075 Interest bearing deposits 4,406,383 3,126,082 1,266,871 - 4,392,953 Short-term borrowings 134,293 - 134,293 - 134,293 Accrued interest payable 1,444 144 1,300 - 1,444 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2022 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

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2023
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax	The following is a summary of the accumulated other comprehensive income loss balances, net of tax: Three months ended March 31, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2022 Reclassifications Loss 3/31/2023 3/31/2023 Net unrealized holding gain on securities available for sale, net of tax $ (32,271 ) $ 3,901 $ - $ 3,901 $ (28,370 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,511 ) - (82 ) (82 ) (2,593 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) $ 3,901 $ (82 ) $ 3,819 $ (23,375 ) Three months ended March 31, 2022 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2021 Reclassifications Loss 3/31/2022 3/31/2022 Net unrealized holding loss on securities available for sale, net of tax $ (26 ) $ (14,251 ) $ - $ (14,251 ) $ (14,277 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 - - - 13,706 Net change in net actuarial gain and prior service credit on pension and postretirement benefit plans, net of tax (1,533 ) - (265 ) (265 ) (1,798 ) Accumulated other comprehensive loss, net of tax $ 12,147 $ (14,251 ) $ (265 ) $ (14,516 ) $ (2,369 )
Reclassifications out of Accumulated Other Comprehensive Loss	The following represents the reclassifications out of accumulated other comprehensive loss for the three months ended March 31, 2023 and 2022: (dollars in thousands) Three months ended March 31 2023 2022 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 114 $ 78 Salaries and employee benefits Amortization of prior service (cost) credit (3 ) 280 Salaries and employee benefits Income tax (benefit) expense (29 ) (93 ) Income taxes Net of tax 82 265 Total reclassifications, net of tax $ 82 $ 265

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Mar. 31, 2023
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the three months ended March 31, 2023 and 2022. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended March 31 2023 2022 Non-interest income Service Charges on Deposits Overdraft fees $ 680 $ 646 Other 532 790 Interchange Income 1,479 1,702 Wealth management fees 1,774 1,833 Other (a) 204 212 Total non-interest income $ 4,669 $ 5,183 (a) Not within the scope of ASC 606.

Operating Leases (Tables)

Operating Leases (Tables)	3 Months Ended
	Mar. 31, 2023
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) Three months ended March 31 2023 2022 Operating lease cost $ 2,050 $ 2,052 Variable lease cost 585 596 Total Lease costs $ 2,635 $ 2,648
Supplemental Cash Flows Information	(dollars in thousands) Three months ended March 31 2023 2022 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,072 $ 2,093 Right-of-use assets obtained in exchange for lease obligations: 385 2,087 Weighted average remaining lease term 8.7 9.3 years Weighted average discount rate 3.00 % 2.96 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of March 31, 2023 were as follows: (dollars in thousands) Year ending December 31 2023 (a) $ 6,254 2024 8,287 2025 7,885 2026 6,910 2027 5,631 Thereafter 19,334 Total lease payments $ 54,301 Less: Interest 6,658 Present value of lease liabilities $ 47,643 (a) Excluding the three months ended March 31, 2023.

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	3 Months Ended
	Mar. 31, 2023
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank and the Company reported the following capital ratios as of : (Bank Only) Minimum for As of March 31, 2023 Well Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio 619,731 10.305 % 5.000 % 4.000 % Common equity tier 1 capital 619,731 18.470 6.500 7.000 Tier 1 risk-based capital 619,731 18.470 8.000 8.500 Total risk-based capital 661,764 19.723 10.000 10.500 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 (Consolidated) As of March 31, 2023 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio 637,524 10.594 % 4.000 % Common equity tier 1 capital 637,524 18.995 7.000 Tier 1 risk-based capital 637,524 18.995 8.500 Total risk-based capital 679,570 20.248 10.500 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 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The March 31, 2023 and December 31, 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent

Financial Statement Presentat_2

Financial Statement Presentation (Details)	3 Months Ended
	Mar. 31, 2023 Bank
Financial Statement Presentation [Abstract]
Number of banks voluntarily dissolving	1

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 17,746	$ 17,089
Weighted average common shares (in shares)	19,024	19,209
Stock Options (in shares)	3	1
Weighted average common shares including potential dilutive shares (in shares)	19,027	19,210
Basic EPS (in dollars per share)	$ 0.93	$ 0.89
Diluted EPS (in dollars per share)	$ 0.93	$ 0.89
Stock Options [Member]
Antidilutive Securities [Abstract]
Number of anti-dilutive stock options excluded from diluted earnings per share (in shares)	2	60

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Components of net periodic benefit cost [Abstract]
Contribution made to pension and postretirement plans	$ 0
Pension Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	0	$ 0
Interest cost	302	223
Expected return on plan assets	(680)	(817)
Amortization of net gain	0	0
Amortization of prior service cost (credit)	0	0
Net periodic benefit	(378)	(594)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	2	18
Interest cost	66	52
Expected return on plan assets	(289)	(333)
Amortization of net gain	(114)	(78)
Amortization of prior service cost (credit)	3	(280)
Net periodic benefit	$ (332)	$ (621)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 514,925	$ 525,030
Gross Unrealized Gains	60	35
Gross Unrealized Losses	38,326	43,552
Fair Value	476,659	481,513
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	124,149	124,123
Gross Unrealized Gains	2	1
Gross Unrealized Losses	5,019	5,937
Fair Value	119,132	118,187
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	34	34
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	34	34
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	282,927	291,431
Gross Unrealized Gains	58	34
Gross Unrealized Losses	27,429	31,149
Fair Value	255,556	260,316
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	85,517	85,641
Gross Unrealized Gains	0	0
Gross Unrealized Losses	4,053	4,295
Fair Value	81,464	81,346
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	21,612	23,115
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,791	2,138
Fair Value	19,821	20,977
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	686	686
Gross Unrealized Gains	0	0
Gross Unrealized Losses	34	33
Fair Value	$ 652	$ 653

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized Cost [Abstract]
Due in one year or less	$ 40,384
Due after one year through five years	165,002
Due after five years through ten years	5,000
Amortized Cost	514,925	$ 525,030
Fair Value [Abstract]
Due in one year or less	38,887
Due in one year through five years	157,393
Due after five years through ten years	5,002
Fair Value	476,659	481,513
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	282,927
Amortized Cost	282,927	291,431
Fair Value [Abstract]
Securities, fair value	255,556
Fair Value	255,556	260,316
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	21,612
Amortized Cost	21,612	23,115
Fair Value [Abstract]
Securities, fair value	19,821
Fair Value	$ 19,821	$ 20,977

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 132,446	$ 276,277
12 months or more - Fair Value	336,501	197,631
Total - Fair Value	468,947	473,908
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	4,267	16,767
12 months or more - Gross Unrealized Loss	34,059	26,785
Total - Gross Unrealized Loss	38,326	43,552
Available-for-sale, allowance for credit loss	0
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	53,231	57,849
12 months or more - Fair Value	60,899	55,337
Total - Fair Value	114,130	113,186
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	932	1,290
12 months or more - Gross Unrealized Loss	4,087	4,647
Total - Gross Unrealized Loss	5,019	5,937
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	59,807	164,772
12 months or more - Fair Value	193,110	93,009
Total - Fair Value	252,917	257,781
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2,760	13,010
12 months or more - Gross Unrealized Loss	24,669	18,139
Total - Gross Unrealized Loss	27,429	31,149
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	19,360	52,805
12 months or more - Fair Value	62,104	28,542
Total - Fair Value	81,464	81,347
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	573	2,395
12 months or more - Gross Unrealized Loss	3,480	1,900
Total - Gross Unrealized Loss	4,053	4,295
Small Business Administration-Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	802
12 months or more - Fair Value	19,821	20,175
Total - Fair Value	19,821	20,977
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	71
12 months or more - Gross Unrealized Loss	1,791	2,067
Total - Gross Unrealized Loss	1,791	2,138
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	48	49
12 months or more - Fair Value	567	568
Total - Fair Value	615	617
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2	1
12 months or more - Gross Unrealized Loss	32	32
Total - Gross Unrealized Loss	$ 34	$ 33

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0
Proceeds from calls/paydowns	14,659	17,923
Proceeds from maturities	0	5,000
Gross realized gains	0	0
Gross realized losses	$ 0	$ 0

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 7,382	$ 7,707
Gross Unrecognized Gains	95	90
Gross Unrecognized Losses	179	217
Fair Value	7,298	7,580
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	7,382	7,707
Gross Unrecognized Gains	95	90
Gross Unrecognized Losses	179	217
Fair Value	$ 7,298	$ 7,580

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized Cost [Abstract]
Amortized Cost	$ 7,382	$ 7,707
Fair Value [Abstract]
Fair Value	7,298	7,580
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	7,382
Amortized Cost	7,382	7,707
Fair Value [Abstract]
Securities, fair value	7,298
Fair Value	$ 7,298	$ 7,580

Investment Securities, Held-t_3

Investment Securities, Held-to-maturity Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	$ 431		$ 3,327
More than 12 months - Fair value	2,826		258
Fair Value	3,257		3,585
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	9		206
More than 12 months - Gross Unrecognized Loss	170		11
Gross Unrecognized Losses	179		217
Sales and transfers of held to maturity securities	0	$ 0
Held-to-maturity, allowance for credit loss	0
Held to maturity securities on non-accrual status	0
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	431		3,327
More than 12 months - Fair value	2,826		258
Fair Value	3,257		3,585
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	9		206
More than 12 months - Gross Unrecognized Loss	170		11
Gross Unrecognized Losses	$ 179		$ 217

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans by Loan Class (Details) - USD ($) $ in Thousands		Mar. 31, 2023	Dec. 31, 2022		Mar. 31, 2022
Loans and Leases Receivable [Abstract]
Total loans		$ 4,799,582	$ 4,733,201
Allowance for credit losses on loans		46,685	46,032		$ 46,178
Net loans		4,752,897	4,687,169
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	3,214,052	3,219,914	[2]
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,585,530	1,513,287
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		30,700	36,400
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans		8,300	14,100
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans		22,400	22,300
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans		246,307	231,011
Allowance for credit losses on loans		2,708	2,596		2,177
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans		223,131	209,922
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	182,287	177,371	[2]
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		40,844	32,551
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans		23,176	21,089
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	22,365	20,221	[2]
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		811	868
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		854			3,000
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,537,949	4,489,883
Allowance for credit losses on loans		43,766	43,271		43,931
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,184,751	4,146,902
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]	2,760,159	2,776,989	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,424,592	1,369,913
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		56,708	56,549
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]	44,112	43,999	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		12,596	12,550
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans		296,490	286,432
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]	193,645	191,926	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		102,845	94,506
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans		15,326	12,307
Allowance for credit losses on loans		211	165		$ 70
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	11,484	9,408	[2]
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		$ 3,842	$ 2,899
[1]Includes New York, New Jersey, Vermont and Massachussetts

Loan Portfolio and Allowance _4

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			$ 44,267	$ 44,267
Balance at beginning of period		$ 46,032
Loans charged off [Abstract]
Total loan charge offs		48	47
Recoveries of loans previously charged off [Abstract]
Total recoveries		101	105
Net loans (recoveries) charged off		(53)	(58)
(Credit) provision for credit losses		600	(500)
Balance at end of period		46,685	46,178	46,032
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	17	46
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	76	105
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		31	1
Recoveries of loans previously charged off [Abstract]
Total recoveries		25	0
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			3,135	3,135
Balance at beginning of period		2,596
Loans charged off [Abstract]
Total loan charge offs		0	36
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Net loans (recoveries) charged off		0	36
(Credit) provision for credit losses		112	64
Balance at end of period		2,708	2,177	2,596
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	0	36
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	0	0
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			40,689	40,689
Balance at beginning of period		43,271
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		78	97
Net loans (recoveries) charged off		(78)	(97)
(Credit) provision for credit losses		417	(572)
Balance at end of period		43,766	43,931	43,271
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	53	97
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		25	0
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			443	443
Balance at beginning of period		165
Loans charged off [Abstract]
Total loan charge offs		48	11	88
Recoveries of loans previously charged off [Abstract]
Total recoveries		23	8
Net loans (recoveries) charged off		25	3
(Credit) provision for credit losses		71	8
Balance at end of period		211	70	165
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	17	10
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	23	8
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		31	1
Recoveries of loans previously charged off [Abstract]
Total recoveries		$ 0	0
ASU 2016-13 [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			46,620	46,620
ASU 2016-13 [Member] | Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			2,149	2,149
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			44,406	44,406
ASU 2016-13 [Member] | Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning 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	2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			(986)	(986)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period			3,717	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)	$ (378)
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _5

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 46,032
Balance at beginning of period		$ 44,267
Balance at end of period	46,685	46,178
Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	2,912
Balance at beginning of period		18
Credit provision for credit losses	(300)	300
Balance at end of period	$ 2,612	2,653
ASU 2016-13 [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period		46,620
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period		2,353
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period		2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period		$ 2,335

Loan Portfolio and Allowance _6

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2023	Mar. 31, 2022	Dec. 31, 2022
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		$ 4,799,582		$ 4,733,201
Current-period Gross writeoffs		48	$ 47
New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	3,214,052		3,219,914	[2]
Current-period Gross writeoffs	[2]	17	46
Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		1,585,530		1,513,287
Current-period Gross writeoffs		31	1
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		246,307		231,011
Current-period Gross writeoffs		0	36
Commercial [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Current-period Gross writeoffs	[2]	0	36
Commercial [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Current-period Gross writeoffs		0	0
Commercial [Member] | Commercial Real Estate [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		14,677		79,430
2022/2021		82,642		29,991
2021/2020		29,717		18,883
2020/2019		18,397		22,790
2019/2018		21,718		16,969
Prior		47,464		33,837
Revolving Loans Amortized Cost Basis		8,516		8,022
Revolving Loan Converted to Term		0		0
Total loans		223,131		209,922
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		0
Prior		0		40
Revolving Loans Amortized Cost Basis Writeoffs		0		0
Revolving Loan Converted to Term Writeoffs		0		0
Current-period Gross writeoffs		0		40
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	182,287		177,371	[2]
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		40,844		32,551
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		14,677		79,430
2022/2021		82,642		29,991
2021/2020		29,717		18,708
2020/2019		18,227		22,790
2019/2018		21,718		16,598
Prior		45,613		32,666
Revolving Loans Amortized Cost Basis		8,516		8,022
Revolving Loan Converted to Term		0		0
Total loans		221,110		208,205
Commercial [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		0
2022/2021		0		0
2021/2020		0		62
2020/2019		58		0
2019/2018		0		243
Prior		238		0
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		296		305
Commercial [Member] | Commercial Real Estate [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		0
2022/2021		0		0
2021/2020		0		113
2020/2019		112		0
2019/2018		0		128
Prior		1,613		1,171
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		1,725		1,412
Commercial [Member] | Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		1,619		2,972
2022/2021		3,300		3,187
2021/2020		2,955		2,273
2020/2019		2,007		590
2019/2018		573		674
Prior		2,945		2,446
Revolving Loans Amortized Cost Basis		9,777		8,947
Revolving Loan Converted to Term		0		0
Total loans		23,176		21,089
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		0
Prior		0		0
Revolving Loans Amortized Cost Basis Writeoffs		0		0
Revolving Loan Converted to Term Writeoffs		0		0
Current-period Gross writeoffs		0		0
Commercial [Member] | Other [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	22,365		20,221	[2]
Commercial [Member] | Other [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		811		868
Commercial [Member] | Other [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		1,619		2,972
2022/2021		3,300		2,848
2021/2020		2,617		2,273
2020/2019		2,007		590
2019/2018		573		674
Prior		2,847		2,348
Revolving Loans Amortized Cost Basis		9,739		8,908
Revolving Loan Converted to Term		0		0
Total loans		22,702		20,613
Commercial [Member] | Other [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		0
Prior		0		0
Revolving Loans Amortized Cost Basis		38		39
Revolving Loan Converted to Term		0		0
Total loans		38		39
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		0
2022/2021		0		339
2021/2020		338		0
2020/2019		0		0
2019/2018		0		0
Prior		98		98
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		436		437
Real Estate Mortgage - 1 to 4 Family [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		4,537,949		4,489,883
Current-period Gross writeoffs		0	0
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	[2]	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Current-period Gross writeoffs		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		87,414		557,981
2022/2021		576,805		934,250
2021/2020		921,875		784,592
2020/2019		772,219		368,981
2019/2018		362,201		258,277
Prior		1,462,877		1,241,349
Revolving Loans Amortized Cost Basis		1,360		1,472
Revolving Loan Converted to Term		0		0
Total loans		4,184,751		4,146,902
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		0
Prior		0		5
Revolving Loans Amortized Cost Basis Writeoffs		0		0
Revolving Loan Converted to Term Writeoffs		0		0
Current-period Gross writeoffs		0		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]	2,760,159		2,776,989	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		1,424,592		1,369,913
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		87,414		557,981
2022/2021		576,805		933,754
2021/2020		921,308		784,511
2020/2019		771,897		368,137
2019/2018		360,905		257,926
Prior		1,449,519		1,228,776
Revolving Loans Amortized Cost Basis		1,360		1,472
Revolving Loan Converted to Term		0		0
Total loans		4,169,208		4,132,557
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		0
2022/2021		0		496
2021/2020		567		81
2020/2019		322		844
2019/2018		1,296		351
Prior		13,358		12,573
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		15,543		14,345
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		2,103		6,863
2022/2021		6,750		9,124
2021/2020		8,828		6,322
2020/2019		6,205		7,588
2019/2018		7,313		5,306
Prior		25,509		21,346
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		56,708		56,549
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		0
Prior		0		0
Revolving Loans Amortized Cost Basis Writeoffs		0		0
Revolving Loan Converted to Term Writeoffs		0		0
Current-period Gross writeoffs		0		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]	44,112		43,999	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		12,596		12,550
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		2,103		6,863
2022/2021		6,750		9,124
2021/2020		8,828		6,322
2020/2019		6,205		7,588
2019/2018		7,313		5,240
Prior		25,310		21,217
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		56,509		56,354
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		66
Prior		199		129
Revolving Loans Amortized Cost Basis		0		0
Revolving Loan Converted to Term		0		0
Total loans		199		195
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		52		1,369
2022/2021		509		1,253
2021/2020		441		740
2020/2019		101		52
2019/2018		39		100
Prior		18,653		20,488
Revolving Loans Amortized Cost Basis		276,695		262,430
Revolving Loan Converted to Term		0		0
Total loans		296,490		286,432
2023/2022		0		0
2022/2021		0		0
2021/2020		0		0
2020/2019		0		0
2019/2018		0		0
Prior		0		19
Revolving Loans Amortized Cost Basis Writeoffs		0		0
Revolving Loan Converted to Term Writeoffs		0		0
Current-period Gross writeoffs		0		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]	193,645		191,926	[2]
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		102,845		94,506
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		52		1,369
2022/2021		509		1,246
2021/2020		434		740
2020/2019		101		52
2019/2018		39		100
Prior		16,510		18,377
Revolving Loans Amortized Cost Basis		276,428		262,244
Revolving Loan Converted to Term		0		0
Total loans		294,073		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]
2023/2022		0		0
2022/2021		0		7
2021/2020		7		0
2020/2019		0		0
2019/2018		0		0
Prior		2,143		2,111
Revolving Loans Amortized Cost Basis		267		186
Revolving Loan Converted to Term		0		0
Total loans		2,417		2,304
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		3,780		6,405
2022/2021		6,300		2,512
2021/2020		2,243		805
2020/2019		671		774
2019/2018		592		374
Prior		636		309
Revolving Loans Amortized Cost Basis		1,104		1,128
Revolving Loan Converted to Term		0		0
Total loans		15,326		12,307
2023/2022		0		1
2022/2021		24		47
2021/2020		7		22
2020/2019		5		7
2019/2018		0		2
Prior		12		9
Revolving Loans Amortized Cost Basis Writeoffs		0		0
Revolving Loan Converted to Term Writeoffs		0		0
Current-period Gross writeoffs		48	11	88
Installment [Member] | New York and Other States [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	[1]	11,484		9,408	[2]
Current-period Gross writeoffs	[2]	17	10
Installment [Member] | Florida [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans		3,842		2,899
Current-period Gross writeoffs		31	$ 1
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		3,780		6,385
2022/2021		6,300		2,495
2021/2020		2,190		805
2020/2019		671		709
2019/2018		528		374
Prior		636		308
Revolving Loans Amortized Cost Basis		1,100		1,125
Revolving Loan Converted to Term		0		0
Total loans		15,205		12,201
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022		0		20
2022/2021		0		17
2021/2020		53		0
2020/2019		0		65
2019/2018		64		0
Prior		0		1
Revolving Loans Amortized Cost Basis		4		3
Revolving Loan Converted to Term		0		0
Total loans		$ 121		$ 106
[1]Includes New York, New Jersey, Vermont and Massachussetts

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023		Dec. 31, 2022
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 4,799,582		$ 4,733,201
Number of days past due		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]	3,214,052		3,219,914	[2]
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,585,530		1,513,287
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		16,122		18,117
Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		13,667	[1]	14,609	[2]
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,455		3,508
30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,345		7,083
30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,004	[1]	5,619	[2]
30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		341		1,464
60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,206		1,168
60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,119	[1]	925	[2]
60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		87		243
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		11,571		9,866
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		9,544	[1]	8,065	[2]
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,027		1,801
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,783,460		4,715,084
Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,200,385	[1]	3,205,305	[2]
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,583,075		1,509,779
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		246,307		231,011
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		223,131		209,922
Loans that are 90 days past due and still accruing interest		0		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]	182,287		177,371	[2]
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		40,844		32,551
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		525		161
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		525	[1]	161	[2]
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		0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	[1]	0	[2]
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	[1]	0	[2]
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		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		525		161
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		525	[1]	161	[2]
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		0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		222,606		209,761
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		181,762	[1]	177,210	[2]
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		40,844		32,551
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		23,176		21,089
Loans that are 90 days past due and still accruing interest		0		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]	22,365		20,221	[2]
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		811		868
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		358		352
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		44	[1]	38	[2]
Commercial [Member] | Other [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		314		314
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		39		18
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		39	[1]	18	[2]
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	[1]	0	[2]
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		319		334
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		5	[1]	20	[2]
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		314
Commercial [Member] | Other [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		22,818		20,737
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		22,321	[1]	20,183	[2]
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		497		554
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,537,949		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		4,184,751		4,146,902
Loans that are 90 days past due and still accruing interest		0		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]	2,760,159		2,776,989	[2]
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		1,424,592		1,369,913
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		13,490		15,216
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		11,470	[1]	12,386	[2]
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		2,020		2,830
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,701		5,445
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,412	[1]	4,262	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		289		1,183
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,097		1,164
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,017	[1]	921	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		80		243
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		9,692		8,607
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		8,041	[1]	7,203	[2]
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		1,651		1,404
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		4,171,261		4,131,686
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		2,748,689	[1]	2,764,603	[2]
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		1,422,572		1,367,083
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		56,708		56,549
Loans that are 90 days past due and still accruing interest		0		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]	44,112		43,999	[2]
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		12,596		12,550
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		387		401
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		380	[1]	350	[2]
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		7		51
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		245		334
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		245	[1]	283	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		51
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		75		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		68	[1]	0	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		7		0
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		67
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		67	[1]	67	[2]
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		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		56,321		56,148
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		43,732	[1]	43,649	[2]
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		12,589		12,499
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		296,490		286,432
Loans that are 90 days past due and still accruing interest		0		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]	193,645		191,926	[2]
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		102,845		94,506
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		1,146		1,793
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		1,146	[1]	1,569	[2]
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		0		224
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		298		1,202
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		298	[1]	978	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		224
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	[1]	0	[2]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
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		848		591
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		848	[1]	591	[2]
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		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		295,344		284,639
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		192,499	[1]	190,357	[2]
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		102,845		94,282
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		15,326		12,307
Loans that are 90 days past due and still accruing interest		0		0
Installment [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	11,484		9,408	[2]
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,842		2,899
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		216		194
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		102	[1]	105	[2]
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		114		89
Installment [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		62		84
Installment [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		10	[1]	78	[2]
Installment [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		52		6
Installment [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		34		4
Installment [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		34	[1]	4	[2]
Installment [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0		0
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		120		106
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		58	[1]	23	[2]
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		62		83
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		15,110		12,113
Installment [Member] | Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		11,382	[1]	9,303	[2]
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 3,728		$ 2,810
[1]Includes New York, New Jersey, Vermont and Massachussetts

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Non-accrual Loans, By Loan Class (Details) - USD ($) $ in Thousands		Mar. 31, 2023	Dec. 31, 2022
Non accrual loans by loan class [Abstract]
Other estate owned		$ 1,900
Total non-accrual loans		19,154	$ 17,483
Restructured real estate mortgages - 1 to 4 family		8	10
Total nonperforming loans		19,162	17,493
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	16,341	15,191
Restructured real estate mortgages - 1 to 4 family	[1]	8	10
Total nonperforming loans	[1]	16,349	15,201
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,813	2,292
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		2,813	2,292
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		8,700
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		555	199
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	555	199
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		319	334
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	5	20
Commercial [Member] | Other [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		314	314
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		15,543	14,345
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]	13,333	12,609
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,210	1,736
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		199	195
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]	151	153
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		48	42
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		2,417	2,304
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]	2,238	2,187
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		179	117
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		121	106
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	59	23
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 62	$ 83
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _9

Loan Portfolio and Allowance for Credit Losses, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Non-accrual With No Allowance for Credit Loss	$ 15,475	$ 16,150
Non-accrual	3,679	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	153	160
Non-accrual	402	39
Loans Past Due Over 89 Days Still Accruing	0	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	5	20
Non-accrual	314	314
Loans Past Due Over 89 Days Still Accruing	0	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	12,894	13,502
Non-accrual	2,649	843
Loans Past Due Over 89 Days Still Accruing	0	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	126	129
Non-accrual	73	66
Loans Past Due Over 89 Days Still Accruing	0	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	2,216	2,257
Non-accrual	201	47
Loans Past Due Over 89 Days Still Accruing	0	0
Installment [Member]
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Non-accrual With No Allowance for Credit Loss	81	82
Non-accrual	40	24
Loans Past Due Over 89 Days Still Accruing	$ 0	$ 0

Loan Portfolio and Allowance_10

Loan Portfolio and Allowance for Credit Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	46,685	46,032
Total ending allowance balance	46,685	46,032	$ 46,178
Loans [Abstract]
Individually evaluated for impairment	25,001	25,695
Collectively evaluated for impairment	4,774,581	4,707,506
Total loans	4,799,582	4,733,201
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,708	2,596
Total ending allowance balance	2,708	2,596	2,177
Loans [Abstract]
Individually evaluated for impairment	986	646
Collectively evaluated for impairment	245,321	230,365
Total loans	246,307	231,011
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	43,766	43,271
Total ending allowance balance	43,766	43,271	43,931
Loans [Abstract]
Individually evaluated for impairment	23,934	24,967
Collectively evaluated for impairment	4,514,015	4,464,916
Total loans	4,537,949	4,489,883
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	211	165
Total ending allowance balance	211	165	$ 70
Loans [Abstract]
Individually evaluated for impairment	81	82
Collectively evaluated for impairment	15,245	12,225
Total loans	$ 15,326	$ 12,307

Loan Portfolio and Allowance_11

Loan Portfolio and Allowance for Credit Losses, Type of Collateral Dependent Loans by Portfolio Segment (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Loans and Leases Receivable [Abstract]
Total loans	$ 4,799,582	$ 4,733,201
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	25,001	25,695
Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans	246,307	231,011
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	223,131	209,922
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	667	312
Commercial [Member] | Commercial Real Estate [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Commercial [Member] | Commercial Real Estate [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	23,176	21,089
Commercial [Member] | Other [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	319	334
Commercial [Member] | Other [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Commercial [Member] | Other [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans	4,537,949	4,489,883
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans	4,184,751	4,146,902
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	20,512	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	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans	56,708	56,549
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	231	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	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans	296,490	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	3,191	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	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	0
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans	15,326	12,307
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	81	82
Installment [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans	0	0
Installment [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans	$ 0	$ 0

Loan Portfolio and Allowance_12

Loan Portfolio and Allowance for Credit Losses, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2023 USD ($)	Mar. 31, 2022 USD ($) Contract
Financing Receivable Modifications Information [Abstract]
Loan modifications classifications from previously performing loans		$ 8,800	$ 9,800
Loan modifications		0
Modified loans by class determined to be TDR's [Abstract]
Number of loans defaulted from loan modifications within last 12 months		$ 0	$ 0
Deferral period of past due loans		60 months
Number of days past due, when loans considered in payment default under modified terms		90 days
Contractual past due period for loans to be in payment default		30 days
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		3
Pre-Modification Outstanding Recorded Investment	[1]		$ 370
Post-Modification Outstanding Recorded Investment	[1]		$ 370
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0
Pre-Modification Outstanding Recorded Investment			$ 0
Post-Modification Outstanding Recorded Investment			$ 0
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		0
Pre-Modification Outstanding Recorded Investment	[1]		$ 0
Post-Modification Outstanding Recorded Investment	[1]		$ 0
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0
Pre-Modification Outstanding Recorded Investment			$ 0
Post-Modification Outstanding Recorded Investment			$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		0
Pre-Modification Outstanding Recorded Investment	[1]		$ 0
Post-Modification Outstanding Recorded Investment	[1]		$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0
Pre-Modification Outstanding Recorded Investment			$ 0
Post-Modification Outstanding Recorded Investment			$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		3
Pre-Modification Outstanding Recorded Investment	[1]		$ 370
Post-Modification Outstanding Recorded Investment	[1]		$ 370
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0
Pre-Modification Outstanding Recorded Investment			$ 0
Post-Modification Outstanding Recorded Investment			$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		0
Pre-Modification Outstanding Recorded Investment	[1]		$ 0
Post-Modification Outstanding Recorded Investment	[1]		$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0
Pre-Modification Outstanding Recorded Investment			$ 0
Post-Modification Outstanding Recorded Investment			$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr_3

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Securities available for sale [Abstract]
Fair Value	$ 476,659	$ 481,513
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Fair Value	0	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Fair Value	476,659	481,513
Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
Fair Value	0	0
Carrying Value [Member]
Securities available for sale [Abstract]
Fair Value	476,659	481,513
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other securities	0	0
Fair Value	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	119,132	118,187
State and political subdivisions	34	34
Mortgage backed securities and collateralized mortgage obligations - residential	255,556	260,316
Corporate bonds	81,464	81,346
Small Business Administration - guaranteed participation securities	19,821	20,977
Other securities	652	653
Fair Value	476,659	481,513
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other securities	0	0
Fair Value	0	0
Recurring [Member] | Carrying Value [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	119,132	118,187
State and political subdivisions	34	34
Mortgage backed securities and collateralized mortgage obligations - residential	255,556	260,316
Corporate bonds	81,464	81,346
Small Business Administration - guaranteed participation securities	19,821	20,977
Other securities	652	653
Fair Value	$ 476,659	$ 481,513

Fair Value of Financial Instr_4

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Non-recurring Basis (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
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]	Adjustments for Differences Between Comparable Sales [Member]	Adjustments for Differences Between Comparable Sales [Member]
Valuation charge on other real estate owned	$ 0	$ 68
Impaired loans	25,000	25,700
Collateral dependent impaired loans	0	0
Valuation allowance	0	0
Gross charge offs, residential impaired loans	0	0
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
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	$ 1,869	$ 2,061
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.03	0.02
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.94	0.47
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.49	0.18
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 1,869	$ 2,061

Fair Value of Financial Instr_5

Fair Value of Financial Instruments, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financial assets [Abstract]
Cash and cash equivalents	$ 636,984	$ 650,599
Securities available for sale	476,659	481,513
Held to maturity securities	7,298	7,580
Net loans	4,374,988	4,328,508
Accrued interest receivable	11,690	11,492
Financial liabilities [Abstract]
Demand deposits	806,075	838,147
Interest bearing deposits	4,392,953	4,338,428
Short-term borrowings	134,293	122,700
Accrued interest payable	1,444	602
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	636,984	650,599
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	651	189
Financial liabilities [Abstract]
Demand deposits	806,075	838,147
Interest bearing deposits	3,126,082	3,325,900
Short-term borrowings	0	0
Accrued interest payable	144	60
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	476,659	481,513
Held to maturity securities	7,298	7,580
Net loans	0	0
Accrued interest receivable	1,811	1,866
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,266,871	1,012,528
Short-term borrowings	134,293	122,700
Accrued interest payable	1,300	542
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	4,374,988	4,328,508
Accrued interest receivable	9,228	9,437
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	636,984	650,599
Securities available for sale	476,659	481,513
Held to maturity securities	7,382	7,707
Federal Reserve Bank and Federal Home Loan Bank stock	5,797	5,797
Net loans	4,752,897	4,687,169
Accrued interest receivable	11,690	11,492
Financial liabilities [Abstract]
Demand deposits	806,075	838,147
Interest bearing deposits	4,406,383	4,354,663
Short-term borrowings	134,293	122,700
Accrued interest payable	$ 1,444	$ 602

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss, Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 599,987	$ 601,128
Other comprehensive income (loss) - before reclassifications	3,901	(14,251)
Amount reclassified from accumulated other comprehensive loss	(82)	(265)
Other comprehensive income (loss), net of tax	3,819	(14,516)
Balance	614,703	592,895
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(27,194)	12,147
Other comprehensive income (loss), net of tax	3,819	(14,516)
Balance	(23,375)	(2,369)
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	(32,271)	(26)
Other comprehensive income (loss) - before reclassifications	3,901	(14,251)
Amount reclassified from accumulated other comprehensive loss	0	0
Other comprehensive income (loss), net of tax	3,901	(14,251)
Balance	(28,370)	(14,277)
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	7,588	13,706
Other comprehensive income (loss) - before reclassifications	0	0
Amount reclassified from accumulated other comprehensive loss	0	0
Other comprehensive income (loss), net of tax	0	0
Balance	7,588	13,706
Net Change in Net Actuarial Gain and Prior Service Cost (Credit) on Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(2,511)	(1,533)
Other comprehensive income (loss) - before reclassifications	0	0
Amount reclassified from accumulated other comprehensive loss	(82)	(265)
Other comprehensive income (loss), net of tax	(82)	(265)
Balance	$ (2,593)	$ (1,798)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss, Reclassifications out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ 13,283	$ 9,239
Income tax (benefit) expense	5,909	5,625
Net income	17,746	17,089
Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Net income	82	265
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Income tax (benefit) expense	(29)	(93)
Net income	82	265
Amortization of Net Actuarial Gain [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	114	78
Amortization of Prior Service (Cost) Credit [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ (3)	$ 280

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2023	Mar. 31, 2022
Sources of non-interest income [Abstract]
Other	[1]	$ 204	$ 212
Total non-interest income		4,669	5,183
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		680	646
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		532	790
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		1,479	1,702
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 1,774	$ 1,833
[1]Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2023 USD ($) Lease Property	Mar. 31, 2022 USD ($)	Dec. 31, 2022 USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease		0
Other information related to leases [Abstract]
Operating lease cost		$ 2,050	$ 2,052
Variable lease cost		585	596
Total Lease costs		2,635	2,648
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases		2,072	2,093
Right-of-use assets obtained in exchange for lease obligations:		$ 385	$ 2,087
Weighted average remaining lease term		8 years 8 months 12 days	9 years 3 months 18 days
Weighted average discount rate		3%	2.96%
Future minimum lease payments under non-cancellable leases [Abstract]
2023	[1]	$ 6,254
2024		8,287
2025		7,885
2026		6,910
2027		5,631
Thereafter		19,334
Total lease payments		54,301
Less: Interest		6,658
Present value of lease liabilities		47,643		$ 48,980
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments		3,100
Less: Interest		$ 377
Number of properties under lease owned by related party | Property		5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term		1 month
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term		21 years 6 months
[1]Excluding the three months ended March 31, 2023.

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Mar. 31, 2023 USD ($) Classification	Dec. 31, 2022 USD ($)
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		$ 619,731	$ 609,998
Common equity Tier 1 capital		619,731	609,998
Tier 1 risk-based capital		619,731	609,998
Total risk-based capital		$ 661,764	$ 651,462
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10305	0.10116
Common equity Tier 1 capital, ratio		0.1847	0.18431
Tier 1 risk-based capital, ratio		0.1847	0.18431
Total risk-based capital, ratio		0.19723	0.19684
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		$ 637,524	$ 626,628
Common equity Tier 1 capital		637,524	626,628
Tier 1 risk-based capital		637,524	626,628
Total risk-based capital		$ 679,570	$ 668,102
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10594	0.1039
Common equity Tier 1 capital, ratio		0.18995	0.18929
Tier 1 risk-based capital, ratio		0.18995	0.18929
Total risk-based capital, ratio		0.20248	0.20182
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 March 31, 2023 and December 31, 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent