TrustCo Bank Corp NY (TRST) 10-Q 8 Nov 23 2023 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2023	Oct. 31, 2023
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2023
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q3
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		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Interest and dividend income:
Interest and fees on loans	$ 47,921	$ 40,896	$ 138,255	$ 119,503
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	672	479	2,055	712
State and political subdivisions	0	1	1	2
Mortgage-backed securities and collateralized mortgage obligations - residential	1,485	1,617	4,613	4,071
Corporate bonds	473	526	1,510	1,281
Small Business Administration-guaranteed participation securities	107	133	335	427
Other securities	2	3	7	7
Total interest and dividends on securities available for sale	2,739	2,759	8,521	6,500
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	73	85	226	262
Total interest on held to maturity securities	73	85	226	262
Federal Home Loan Bank stock	131	80	351	207
Interest on federal funds sold and other short-term investments	6,688	5,221	20,213	8,046
Total interest income	57,552	49,041	167,566	134,518
Interest on deposits:
Interest-bearing checking	102	43	217	129
Savings accounts	639	200	1,824	519
Money market deposit accounts	2,384	237	4,954	661
Time deposits	11,962	646	26,525	1,728
Interest on short-term borrowings	244	122	808	532
Total interest expense	15,331	1,248	34,328	3,569
Net interest income	42,221	47,793	133,238	130,949
Provision (Credit) for credit losses	100	300	(100)	(391)
Net interest income after provision (credit) for credit losses	42,121	47,493	133,338	131,340
Noninterest income:
Trustco financial services income	1,627	1,435	4,813	5,264
Fees for services to customers	2,590	2,705	8,085	8,164
Other	357	246	943	1,057
Total noninterest income	4,574	4,386	13,841	14,485
Noninterest expenses:
Salaries and employee benefits	12,393	12,134	38,798	32,837
Net occupancy expense	4,358	4,483	13,218	13,266
Equipment expense	1,923	1,532	5,758	4,787
Professional services	1,717	1,375	4,684	4,326
Outsourced services	2,720	2,328	7,507	7,108
Advertising expense	586	508	1,494	1,514
FDIC and other insurance	1,078	773	3,215	2,389
Other real estate expense, net	163	124	536	209
Other	2,522	2,887	7,256	7,478
Total noninterest expenses	27,460	26,144	82,466	73,914
Income before taxes	19,235	25,735	64,713	71,911
Income taxes	4,555	6,371	15,915	17,587
Net income	$ 14,680	$ 19,364	$ 48,798	$ 54,324
Net income per share:
Basic (in dollars per share)	$ 0.77	$ 1.01	$ 2.57	$ 2.84
Diluted (in dollars per share)	$ 0.77	$ 1.01	$ 2.57	$ 2.84

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 14,680	$ 19,364	$ 48,798	$ 54,324
Net unrealized holding loss on securities available for sale	(7,063)	(20,943)	(5,530)	(49,379)
Tax effect	1,851	5,421	1,464	12,777
Net unrealized loss on securities available for sale, net of tax	(5,212)	(15,522)	(4,066)	(36,602)
Amortization of net actuarial gain	(115)	(280)	(343)	(784)
Amortization of prior service cost (credit)	4	(78)	10	(235)
Tax effect	29	93	87	265
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans, net of tax	(82)	(265)	(246)	(754)
Other comprehensive loss, net of tax	(5,294)	(15,787)	(4,312)	(37,356)
Comprehensive income	$ 9,386	$ 3,577	$ 44,486	$ 16,968

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS:
Cash and due from banks	$ 45,940	$ 43,429
Federal funds sold and other short term investments	461,321	607,170
Total cash and cash equivalents	507,261	650,599
Securities available for sale	450,135	481,513
Held to maturity securities ($6,444 and $7,580 fair value at September 30, 2023 and December 31, 2022, respectively)	6,724	7,707
Federal Home Loan Bank stock	6,203	5,797
Loans, net of deferred net costs	4,960,281	4,733,201
Less: Allowance for credit losses on loans	47,226	46,032
Net loans	4,913,055	4,687,169
Bank premises and equipment, net	32,135	32,556
Operating lease right-of-use assets	41,475	44,727
Other assets	97,310	89,984
Total assets	6,054,298	6,000,052
Deposits:
Demand	773,293	838,147
Interest-bearing checking	1,033,898	1,183,321
Savings accounts	1,235,658	1,521,473
Money market deposit accounts	610,012	621,106
Time deposits	1,581,504	1,028,763
Total deposits	5,234,365	5,192,810
Short-term borrowings	103,110	122,700
Operating lease liabilities	45,418	48,980
Accrued expenses and other liabilities	47,479	35,575
Total liabilities	5,430,372	5,400,065
SHAREHOLDERS' EQUITY:
Capital stock par value $1.00; 30,000,000 shares authorized; 20,058,142 shares issued at September 30, 2023 and December 31, 2022, and 19,024,433 shares outstanding at September 30, 2023 and December 31, 2022, respectively	20,058	20,058
Surplus	257,078	257,078
Undivided profits	422,082	393,831
Accumulated other comprehensive loss, net of tax	(31,506)	(27,194)
Treasury stock at cost - 1,033,709 shares at September 30, 2023 and December 31, 2022, respectively	(43,786)	(43,786)
Total shareholders' equity	623,926	599,987
Total liabilities and shareholders' equity	$ 6,054,298	$ 6,000,052

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS:
Held to maturity securities, fair value	$ 6,444	$ 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 Loss [Member]	Treasury Stock [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member] Undivided Profits [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Capital Stock [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Surplus [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Undivided Profits [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Accumulated Other Comprehensive Loss [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Treasury Stock [Member]	Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
Balance at Dec. 31, 2021	$ 20,046	$ 256,661	$ 349,056	$ 12,147	$ (36,782)	$ 601,128	$ (3,470)	$ (3,470)	$ 20,046	$ 256,661	$ 345,586	$ 12,147	$ (36,782)	$ 597,658
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]							ASU 2016-13 [Member]				ASU 2016-13 [Member]
Net income	0	0	17,089	0	0	17,089
Other comprehensive (loss) income, 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, 2021	20,046	256,661	349,056	12,147	(36,782)	601,128	$ (3,470)	$ (3,470)	$ 20,046	$ 256,661	$ 345,586	$ 12,147	$ (36,782)	$ 597,658
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income						54,324
Other comprehensive (loss) income, net of tax						(37,356)
Balance at Sep. 30, 2022	20,046	256,661	379,769	(25,209)	(42,261)	589,006
Balance at Mar. 31, 2022	20,046	256,661	355,948	(2,369)	(37,391)	592,895
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	17,871	0	0	17,871
Other comprehensive (loss) income, net of tax	0	0	0	(7,053)	0	(7,053)
Cash dividend declared	0	0	(6,719)	0	0	(6,719)
Purchase of treasury stock	0	0	0	0	(2,362)	(2,362)
Balance at Jun. 30, 2022	20,046	256,661	367,100	(9,422)	(39,753)	594,632
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	19,364	0	0	19,364
Other comprehensive (loss) income, net of tax	0	0	0	(15,787)	0	(15,787)
Cash dividend declared	0	0	(6,695)	0	0	(6,695)
Purchase of treasury stock	0	0	0	0	(2,508)	(2,508)
Balance at Sep. 30, 2022	20,046	256,661	379,769	(25,209)	(42,261)	589,006
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 (loss) income, 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
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						48,798
Other comprehensive (loss) income, net of tax						(4,312)
Balance at Sep. 30, 2023	20,058	257,078	422,082	(31,506)	(43,786)	623,926
Balance at Mar. 31, 2023	20,058	257,078	404,728	(23,375)	(43,786)	614,703
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	16,372	0	0	16,372
Other comprehensive (loss) income, net of tax	0	0	0	(2,837)	0	(2,837)
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Jun. 30, 2023	20,058	257,078	414,251	(26,212)	(43,786)	621,389
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	14,680	0	0	14,680
Other comprehensive (loss) income, net of tax	0	0	0	(5,294)	0	(5,294)
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Sep. 30, 2023	$ 20,058	$ 257,078	$ 422,082	$ (31,506)	$ (43,786)	$ 623,926

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Cash dividend declared (in dollars per share)	$ 0.36	$ 0.36	$ 0.36	$ 0.35	$ 0.35	$ 0.35
Purchase of treasury stock (in shares)				75,100	75,000	18,114

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
Cash flows from operating activities:
Net income	$ 48,798	$ 54,324
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	3,052	3,091
Amortization of right-of-use asset	4,905	4,841
Net gain on sale of other real estate owned	(181)	(99)
Writedown of other real estate owned	143	0
Credit provision for credit losses	(100)	(391)
Deferred tax expense	2,112	1,523
Net amortization of securities	1,332	1,802
Net gain on sale of bank premises and equipment	0	(314)
Decrease in taxes receivable	1,341	4,062
Increase in interest receivable	(1,937)	(1,837)
Increase (decrease) in interest payable	1,878	(1)
Increase in other assets	(7,196)	(4,406)
Decrease in operating lease liabilities	(5,215)	(5,127)
Decrease in accrued expenses and other liabilities	(2,619)	(1,652)
Total adjustments	(2,485)	1,492
Net cash provided by operating activities	46,313	55,816
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale	39,346	57,714
Proceeds from paydowns of held to maturity securities	944	1,772
Purchases of securities available for sale	(7,485)	(184,391)
Proceeds from maturities of securities available for sale	5,000	15,050
Purchases of Federal Home Loan Bank stock	(406)	(193)
Net increase in loans	(226,980)	(191,052)
Proceeds from dispositions of other real estate owned	1,108	416
Proceeds from dispositions of bank premises and equipment	0	469
Purchases of bank premises and equipment	(2,631)	(2,150)
Net cash used in investing activities	(191,104)	(302,365)
Cash flows from financing activities:
Net increase in deposits	41,555	13,725
Net change in short-term borrowings	(19,590)	(119,754)
Purchases of treasury stock	0	(5,479)
Dividends paid	(20,512)	(20,149)
Net cash provided by (used in) financing activities	1,453	(131,657)
Net increase in cash and cash equivalents	(143,338)	(378,206)
Cash and cash equivalents at beginning of period	650,599	1,219,470
Cash and cash equivalents at end of period	507,261	841,264
Cash paid during the year for:
Interest paid	13,453	3,570
Income taxes paid	14,611	13,687
Other non cash items:
Transfer of loans to other real estate owned	194	637
Increase (decrease) in dividends payable	35	(8)
Change in unrealized (loss) gain on securities available for sale-gross of deferred taxes	(5,530)	(49,379)
Change in deferred tax effect on unrealized loss (gain) on securities available for sale	1,464	12,777
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans	(333)	(1,019)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans	87	265
Securities purchased settled in subsequent period	(12,306)	0
Impact to retained earnings from adoption of ASC 326, net of tax	$ 0	$ (3,470)

Financial Statement Presentatio

Financial Statement Presentation	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 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 September 30, 2023, the results of operations for the three and nine months ended September 30, 2023 and 2022, and the cash flows for the nine months ended September 30, 2023 and 2022. The accompanying unaudited Consolidated Interim Financial Statements should be read in conjunction with the Company’s year-end audited 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 (“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 nine months ended September 30, 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	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2023 and 2022 is as follows: (in thousands, except per share data) For the three months ended For the nine months ended September 30 September 30 2023 2022 2023 2022 Net income $ 14,680 $ 19,364 $ 48,798 $ 54,324 Weighted average common shares 19,024 19,111 19,024 19,159 Stock Options - 1 - 1 Weighted average common shares including potential dilutive shares 19,024 19,112 19,024 19,160 Basic EPS $ 0.77 $ 1.01 $ 2.57 $ 2.84 Diluted EPS $ 0.77 $ 1.01 $ 2.57 $ 2.84 For both the three and nine months ended September 30, 2023 there were 77 thousand weighted average antidilutive stock options excluded from dilutive earnings. For both the three and nine months ended September 30, 2022 there were 60 thousand weighted average antidilutive stock options excluded from dilutive earnings. 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 presente d .

Benefit Plans

Benefit Plans	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2023 and 2022 for its pension and other postretirement benefit plan s Three months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2023 2022 2023 2022 Service cost $ - $ - $ 2 $ 4 Interest cost 304 222 65 52 Expected return on plan assets (672 ) (807 ) (288 ) (333 ) Amortization of net gain - - (115 ) (280 ) Amortization of prior service cost (credit) - - 4 (78 ) Net periodic benefit $ (368 ) $ (585 ) $ (332 ) $ (635 ) Nine months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2023 2022 2023 2022 Service cost $ - $ - $ 7 $ 13 Interest cost 910 666 197 155 Expected return on plan assets (2,013 ) (2,420 ) (867 ) (999 ) Amortization of net gain - - (343 ) (784 ) Amortization of prior service cost (credit) - - 10 (235 ) Net periodic benefit $ (1,103 ) $ (1,754 ) $ (996 ) $ (1,850 ) The Company does not expect to contribute to its pension and postretirement benefit plans in 2023. As of September 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	9 Months Ended
	Sep. 30, 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: September 30 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 126,702 $ 1 $ 5,229 $ 121,474 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 272,012 1 38,294 233,719 Corporate bonds 80,270 - 3,335 76,935 Small Business Administration - guaranteed participation securities 19,477 - 2,161 17,316 Other 687 - 30 657 Total Securities Available for Sale $ 499,182 $ 2 $ 49,049 $ 450,135 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 the debt securities included in the available for sale portfolio as of September 30, 2023 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 $ 60,187 $ 58,959 Due after one year through five years 142,506 135,144 Due after five years through ten years 5,000 4,997 Mortgage backed securities and collateralized mortgage obligations - residential 272,012 233,719 Small Business Administration - guaranteed participation securities 19,477 17,316 $ 499,182 $ 450,135 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: September 30 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 $ 14,890 110 104,083 5,119 118,973 5,229 Mortgage backed securities and collateralized mortgage obligations - residential 6,283 214 222,483 38,080 228,766 38,294 Corporate bonds - - 76,935 3,335 76,935 3,335 Small Business Administration - guaranteed participation securities - - 17,316 2,161 17,316 2,161 Other 34 3 623 27 657 30 Total $ 21,207 327 421,440 48,722 442,647 49,049 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 $ 49,279 697 9,900 100 59,179 797 Mortgage backed securities and collateralized mortgage obligations - residential 93,447 1,888 22,098 588 115,545 2,476 Corporate bonds 15,670 171 14,546 454 30,216 625 Other 648 1 - - 648 1 Total $ 159,044 2,757 46,544 1,142 205,588 3,899 There were no allowance for credit losses recorded for securities available for sale during the three or nine months ended September 30, 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 and nine months ended September Three months ended September 30, (dollars in thousands) 2023 2022 Proceeds from sales $ - - Proceeds from calls/paydowns 9,877 14,376 Proceeds from maturities - 5,000 Gross realized gains - - Gross realized losses - - Nine months ended September 30, (dollars in thousands) 2023 2022 Proceeds from sales $ - - Proceeds from calls/paydowns 39,346 57,714 Proceeds from maturities 5,000 15,050 Gross realized gains - - Gross realized losses - - There were no transfers of securities available for sale during the three and nine months ended September (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: September 30 2023 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,724 21 301 6,444 Total held to maturity $ 6,724 21 301 6,444 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 the debt securities included in the (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,724 6,444 $ 6,724 6,444 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 unrealized loss position, were as follows: September 30, 2023 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 1,449 34 2,733 267 4,182 301 Total $ 1,449 34 2,733 267 4,182 301 December 31, 2022 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. 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 and nine months ended September There were no allowance for credit losses recorded for held to maturity securities during the three and nine months ended September September 30, 2023, there (c) Other-Than-Temporary Impairment 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 it is more likely than not it will be required to sell the debt security before its anticipated recovery. The assessment of whether any other ‑ ‑ 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 the security 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 September As of September U.S. government sponsored enterprises: September Mortgage backed securities and collateralized mortgage obligations – residential: September September Small Business Administration (SBA) - guaranteed participation securities: Corporate Bonds & Other:

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 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: September 30, 2023 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 208,394 $ 38,933 $ 247,327 Other 20,947 368 21,315 Real estate mortgage - 1 to 4 family: First mortgages 2,753,008 1,531,821 4,284,829 Home equity loans 44,873 13,304 58,177 Home equity lines of credit 206,806 125,222 332,028 Installment 12,217 4,388 16,605 Total loans, net $ 3,246,245 $ 1,714,036 4,960,281 Less: Allowance for credit losses 47,226 Net loans $ 4,913,055 * 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 $ thousand and $ Million as of September and , respectively. At and , the Company had approximately million in real estate construction loans at , approximately Allowance for credit losses on loans The level of the ACLL is based on factors that influence management’s current estimate of expected credit losses, including past events and current conditions. There were no changes in the Company’s methodology for the allowance for credit losses on loans for the period ended September 30, 2023. the Company’s economic modeling as of T he Company recorded a provision for credit losses of $100 thousand for the three months ended September 30, 2023, which is the result a provision for credit losses on loans of $300 thousand, and a benefit for credit losses on unfunded commitments of offset by a benefit for credit losses on unfunded commitments of $1.0 million. The Company recorded a provision for credit losses of $300 thousand for the three months ended September 30, 2022, which includes a provision for credit losses on loans of $100 thousand, and a provision for credit losses on unfunded commitments of $200 thousand. The Company recorded a benefit for credit losses of $391 thousand for the nine months ended September 30, 2022, which includes a credit to provision for credit losses on loans of $1.4 million, offset by a provision for credit losses on unfunded commitments of $1.0 million. Activity in the allowance for credit losses on loans by portfolio segment for the three months ended September 30, 2023 is summarized as follows: For the three months ended September 30 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,610 $ 44,067 $ 237 $ 46,914 Loans charged off: New York and other states* - 27 23 50 Florida - - - - Total loan chargeoffs - 27 23 50 Recoveries of loans previously charged off: New York and other states* - 53 9 62 Florida - - - - Total recoveries - 53 9 62 Net loans (recoveries) charged off - (26 ) 14 (12 ) (Credit) provision for credit losses 103 192 5 300 Balance at end of period $ 2,713 $ 44,285 $ 228 $ 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2022 is summarized as follows: For the three months ended September 30 2022 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,274 42,880 131 45,285 Loans charged off: New York and other states* - 13 34 47 Florida - - - - Total loan chargeoffs - 13 34 47 Recoveries of loans previously charged off: New York and other states* - 177 - 177 Florida - - 2 2 Total recoveries - 177 2 179 Net loan recoveries - (164 ) 32 (132 ) (Credit) provision for credit losses 155 (100 ) 45 100 Balance at end of period $ 2,429 42,944 144 45,517 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses on loans by portfolio segment for the nine months ended September 30, 2023 is summarized as follows: For the nine September 30 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* - 49 69 118 Florida - - 71 71 Total loan chargeoffs - 49 140 189 Recoveries of loans previously charged off: New York and other states* 129 289 40 458 Florida - 25 - 25 Total recoveries 129 314 40 483 Net loans (recoveries) charged off (129 ) (265 ) 100 (294 ) (Credit) provision for credit losses (12 ) 749 163 900 Balance at end of period $ 2,713 $ 44,285 $ 228 $ 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2022 is summarized as follows: For the nine September 30 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 adjuste dfor ASU 2016-13 $ 2,149 44,406 65 46,620 Loans charged off: New York and other states* 40 25 53 118 Florida - - - - Total loan chargeoffs 40 25 53 118 Recoveries of loans previously charged off: New York and other states* 4 405 4 413 Florida - - 2 2 Total recoveries 4 405 6 415 Net loan recoveries 36 (380 ) 47 (297 ) (Credit) provision for loan losses 316 (1,842 ) 126 (1,400 ) Balance at end of period $ 2,429 42,944 144 45,517 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of September 30, 2023 and December 31, 2022: As of September 30 2023 ( dollars in s) 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 2,713 44,285 228 47,226 Total ending allowance balance $ 2,713 $ 44,285 $ 228 $ 47,226 Loans: Individually evaluated for impairment $ 962 $ 24,521 $ 106 $ 25,589 Collectively evaluated for impairment 267,680 4,650,513 16,499 4,934,692 Total ending loans balance $ 268,642 $ 4,675,034 $ 16,605 $ 4,960,281 As of December 31, 2022 ( dollars in s) 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 The Company’s allowance for credit losses on unfunded commitments is recognized as a liability (accrued expenses and other liabilities) with adjustments to the reserve recognized in (credit) provision for credit losses in the consolidated income statement. The Company’s activity in the allowance for credit losses on unfunded commitments for the three and nine months ended September 30, 2023 and 2022 was as follows: (In thousands) For the three months ended September 30, 2023 Balance at June 30, 2023 $ 2,112 (Credit) provision for credit losses (200 ) Balance at September 30, 2023 $ 1,912 (In thousands) For the nine months ended September 30, 2023 Balance at January 1, 2023 $ 2,912 (Credit) provision for credit losses (1,000 ) Balance at September 30, 2023 $ 1,912 (In thousands) For the three months ended September 30, 2022 Balance at June 30, 2022 $ 3,162 Provision for credit losses 200 Balance at September 30, 2022 $ 3,362 (In thousands) For the nine months ended September 30, 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 1,009 Balance at September 30, 2022 $ 3,362 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 Substandard Doubtful Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be “pass” rated loans. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for credit losses on loans. The payment status of these homogeneous pools as of September 30, 2023 and December 31, 2022 is also included in the aging of the past due loans table. Nonperforming loans shown in the table below were loans on non-accrual status and loans over 90 days past due and accruing. As of September 30, 2023, and December 31, 2022 and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: (in thousands) As of September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Commercial : Risk rating Pass $ 51,541 $ 83,437 $ 24,249 $ 16,926 $ 20,322 $ 42,634 $ 6,464 $ - $ 245,573 Special Mention - - - 47 - 230 - - 277 Substandard - - - 108 - 1,369 - - 1,477 Total Commercial Loans $ 51,541 $ 83,437 $ 24,249 $ 17,081 $ 20,322 $ 44,233 $ 6,464 $ - $ 247,327 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 6,052 $ 2,968 $ 2,077 $ 1,569 $ 430 $ 2,536 $ 5,255 $ - $ 20,887 Special mention - - - - - - - - - Substandard - - 330 - - 98 - - 428 Total Commercial Real Estate Loans $ 6,052 $ 2,968 $ 2,407 $ 1,569 $ 430 $ 2,634 $ 5,255 $ - $ 21,315 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 332,209 $ 571,064 $ 890,093 $ 744,547 $ 349,235 $ 1,380,747 $ 2,818 $ - $ 4,270,713 Nonperforming 64 210 389 230 1,123 12,100 - - 14,116 Total First Mortgage: $ 332,273 $ 571,274 $ 890,482 $ 744,777 $ 350,358 $ 1,392,847 $ 2,818 $ - $ 4,284,829 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ 27 $ 22 $ - $ - $ 49 $ - - - - 27 22 - - $ 49 Home Equity Loans: Risk rating Performing $ 8,095 $ 6,112 $ 8,136 $ 5,757 $ 6,667 $ 23,127 $ - $ - $ 57,894 Nonperforming - - - - - 283 - - 283 Total Home Equity Loans: $ 8,095 $ 6,112 $ 8,136 $ 5,757 $ 6,667 $ 23,410 $ - $ - $ 58,177 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 766 $ 824 $ 365 $ 126 $ 30 $ 16,765 $ 310,690 $ - $ 329,566 Nonperforming - - - - - 2,096 366 - 2,462 Total Home Equity Credit Lines: $ 766 $ 824 $ 365 $ 126 $ 30 $ 18,861 $ 311,056 $ - $ 332,028 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Installments: Risk rating Performing $ 7,330 $ 5,137 $ 1,667 $ 452 $ 277 $ 594 $ 990 $ - $ 16,447 Nonperforming - 32 51 - 68 2 5 - 158 Total Installments $ 7,330 $ 5,169 $ 1,718 $ 452 $ 345 $ 596 $ 995 $ - $ 16,605 Installments Loans: Current-period Gross writeoffs $ - $ 58 $ 49 $ 6 $ 10 $ 17 $ - $ - $ 140 $ - $ 58 $ 49 $ 6 $ 10 $ 17 $ - $ - $ 140 (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 Loans: Risk rating Performing $ 6,863 $ 9,124 $ 6,322 $ 7,588 $ 5,240 $ 21,217 $ - $ - $ 56,354 Nonperforming - - - - 66 129 - - 195 Total Home Equity Loans: $ 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 following tables present the aging of the amortized cost in past due loans by loan class and by region as of September 30,2023 and December 31,2022: As of September 30 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 $ - $ - $ 522 $ 522 $ 207,872 $ 208,394 Other - - - - 20,947 20,947 Real estate mortgage - 1 to 4 family: First mortgages 2,501 824 6,699 10,024 2,742,984 2,753,008 Home equity loans 129 2 158 289 44,584 44,873 Home equity lines of credit 726 171 781 1,678 205,128 206,806 Installment 12 56 59 127 12,090 12,217 Total $ 3,368 $ 1,053 $ 8,219 $ 12,640 $ 3,233,605 $ 3,246,245 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 $ - $ - $ - $ - $ 38,933 $ 38,933 Other - - 314 314 54 368 Real estate mortgage - 1 to 4 family: First mortgages 876 - 1,400 2,276 1,529,545 1,531,821 Home equity loans 49 - - 49 13,255 13,304 Home equity lines of credit 258 - - 258 124,964 125,222 Installment 48 5 60 113 4,275 4,388 Total $ 1,231 $ 5 $ 1,774 $ 3,010 $ 1,711,026 $ 1,714,036 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 $ - $ - $ 522 $ 522 $ 246,805 $ 247,327 Other - - 314 314 21,001 21,315 Real estate mortgage - 1 to 4 family: First mortgages 3,377 824 8,099 12,300 4,272,529 4,284,829 Home equity loans 178 2 158 338 57,839 58,177 Home equity lines of credit 984 171 781 1,936 330,092 332,028 Installment 60 61 119 240 16,365 16,605 Total $ 4,599 $ 1,058 $ 9,993 $ 15,650 $ 4,944,631 $ 4,960,281 * 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. At September 30, 2023 and December 31, 2022, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans include all loans 90 days or more past due, as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or restructured loans. 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 September 30,2023 other real estate owned included $ million of residential foreclosed properties. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had an amortized cost of $6.3 million as of September 30, 2023. As of December 31, 2022, other real estate owned included $2.1 million of residential foreclosed properties. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $7.4 million as of December 31, 2022 Loans individually evaluated for impairment include non-accrual commercial loans, as well as all loan modifications. As of September 30, 2023 , there was no allowance for credit losses based on the loan 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 table presents the amortized cost basis in non-accrual loans by portfolio segment: As of September 30 2023 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 540 $ - $ 540 Other - 314 314 Real estate mortgage - 1 to 4 family: First mortgages 12,128 1,988 14,116 Home equity loans 238 45 283 Home equity lines of credit 2,267 195 2,462 Installment 93 65 158 Total non-accrual loans 15,266 2,607 17,873 Restructured real estate mortgages - 1 to 4 family 5 - 5 Total nonperforming loans $ 15,271 $ 2,607 $ 17,878 * 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 September 30, 2023 and December 31,2022: As of September 30, 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 $ 540 $ - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 13,470 646 - Home equity loans 277 6 - Home equity lines of credit 2,345 117 - Installment 106 52 - Total loans, net $ 17,052 $ 821 - 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 $821 thousand and $1.3 million was collectively evaluated and the associated allowance for credit losses on loans was determined not to be material as of September 30, 2023 and December 31, 2022, respectively. 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 September 30, 2023 and December 31, 2022: As of September 30, Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 648 - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 20,854 - - Home equity loans 378 - - Home equity lines of credit 3,289 - - Installment 106 - - Total $ 25,589 - - 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 additio nal amounts to customers with outstanding loans that are modified. Interest income recognized o n loans that are individually evaluated was not material du or months ended and As of loans individually evaluated included approximately 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, an interest rate reduction, an other-than-insignificant payment delay or a term extension in the current period needs to be disclosed. The following table presents the amortized cost basis of loans at September 30, 2023 that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2023, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below : For the three months ended September 30, 2023 New York and other states*: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 255 0.01 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 255 0.01 % Florida: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: - First mortgages - - Home equity loans - - Home equity lines of credit - - Installment - - Total $ - - Total Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 255 0.01 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 255 0.01 % * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended September 30, 2023 New York and other states*: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 490 0.02 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 540 0.02 % Florida: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 340 0.02 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 340 0.02 % Total Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 830 0.02 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 880 0.02 % * Includes New York, New Jersey, Vermont and Massachusetts. The Bank monitors the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table describes the performance of loans that have been modified as of September 30, 2023: As of September 30, 2023 New York and other states*: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 351 139 - - 490 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 401 $ 139 $ - $ - $ 540 Florida: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 340 - - - 340 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 340 $ - $ - $ - $ 340 Total 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 691 139 - - 830 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 741 $ 139 $ - $ - $ 880 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty: For the three months ended September 30, 2023 Weighted New York and other states*: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 18 Home equity loans - Home equity lines of credit - Installment - Total 18 Weighted Florida: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages - Home equity loans - Home equity lines of credit - Installment - Total - Weighted Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 18 Home equity loans - Home equity lines of credit - Installment - Total 18 * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended September 30, 2023 Weighted New York and other states*: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 20 Home equity loans - Home equity lines of credit 18 Installment - Total 38 Weighted Florida: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 24 Home equity loans - Home equity lines of credit - Installment - Total 24 Weighted Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 44 Home equity loans - Home equity lines of credit 18 Installment - Total 62 * Includes New York, New Jersey, Vermont and Massachusetts. As of September 30, 2023, all loans both experiencing financial difficulty and modified during the nine months ended September 30, 2023 were current under the terms of the agreements. There were no commitments to lend additional funds to the borrowers and there were no charge-offs recorded against the loans. The Company had no allowance for credit losses recorded against these loans as of September 30, 2023. The Company did not have any loan modifications that had a payment default during the nine months ended September 30, 2023. 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 and nine months ended September 30, 2022: Three months ended September 30, 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 3 282 282 Home equity loans - - - Home equity lines of credit - - - Total 3 $ 282 282 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. Nine September 30, 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 7 719 719 Home equity loans - - - Home equity lines of credit - - - Total 7 $ 719 719 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:

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2023
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	(6) Fair Value of Financial Instruments FASB Topic 820, Fair Value Measurements 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. There were no transfers between Level 1 and Level 2 during the three and nine months ended September 30, 2023 and 2022. Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at September 30 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 $ 121,474 $ - $ 121,474 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 233,719 - 233,719 - Corporate bonds 76,935 - 76,935 - Small Business Administration- guaranteed participation securities 17,316 - 17,316 - Other securities 657 - 657 - Total securities available for sale $ 450,135 $ - $ 450,135 $ - 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 a non-recurring basis are summarized below: Fair Value Measurements at September 30, 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 $ 1,185 $ - $ - $ 1,185 Sales comparison approach Adjustments for differences between comparable sales 0% - 77% (29 %) Loans individually evaluated - - - - Sales comparison Adjustments for differences between comparable sales N/A 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 %) Impaired loans: Real estate mortgage -1 to 4 family - - - - Sales comparison Adjustments for differences between comparable sales N/A Other real estate owned, that is carried at fair value less costs to sell was approximately $1.2 million at September 30, 2023 and consisted of residential real estate properties. There were no commercial real estate properties. A valuation charge of $143 thousand is included in earnings for the nine months ended September Of the total individually evaluated loans of $25.6 million at September 30, 2023, there are no 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 no specific valuation allowances for these loans at September no September 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. In accordance with FASB Topic 825, Financial Instruments September (dollars in thousands) Fair Value Measurements at Carrying September 30 2023 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 507,261 507,261 - - 507,261 Securities available for sale 450,135 22 450,113 - 450,135 Held to maturity securities 6,724 - 6,444 - 6,444 Federal Home Loan Bank stock 6,203 N/A N/A N/A N/A Net loans 4,913,055 - - 4,366,535 4,366,535 Accrued interest receivable 13,429 590 1,873 10,966 13,429 Financial liabilities: Demand deposits 773,293 773,293 - - 773,293 Interest bearing deposits 4,461,072 2,879,568 1,556,686 - 4,436,254 Short-term borrowings 103,110 - 103,110 - 103,110 Accrued interest payable 2,480 237 2,243 - 2,480 (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 Income (Loss)	9 Months Ended
	Sep. 30, 2023
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss)	(7) Accumulated Other Comprehensive Income (Loss) The following is a summary of the accumulated other comprehensive (loss) income balances, net of tax: Three months ended September 30, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2023 Reclassifications Income 9/30/2023 9/30/2023 Net unrealized holding loss on securities available for sale, net of tax $ (31,125 ) (5,212 ) - (5,212 ) (36,337 ) 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 credit on pension and postretirement benefit plans, net of tax (2,675 ) - (82 ) (82 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (26,212 ) (5,212 ) (82 ) (5,294 ) (31,506 ) Three months ended September 30 2022 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2022 Reclassifications Income 9/30/2022 9/30/2022 Net unrealized holding gain on securities available for sale, net of tax $ (21,106 ) (15,522 ) - (15,522 ) (36,628 ) 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 cost on pension and postretirement benefit plans, net of tax (2,022 ) - (265 ) (265 ) (2,287 ) Accumulated other comprehensive loss, net of tax $ (9,422 ) (15,522 ) (265 ) (15,787 ) (25,209 ) Nine months ended September 30, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2023 Reclassifications Income 9/30/2023 9/30/2023 Net unrealized holding loss on securities available for sale, net of tax $ (32,271 ) (4,066 ) - (4,066 ) (36,337 ) 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 ) - (246 ) (246 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) (4,066 ) (246 ) (4,312 ) (31,506 ) Nine September 30 2022 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2022 Reclassifications Income 9/30/2022 9/30/2022 Net unrealized holding gain on securities available for sale, net of tax $ (26 ) (36,602 ) - (36,602 ) (36,628 ) 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 ) - (754 ) (754 ) (2,287 ) Accumulated other comprehensive income (loss), net of tax $ 12,147 (36,602 ) (754 ) (37,356 ) (25,209 ) The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2023 and 2022: (dollars in thousands) Three months ended Nine September 30 September 30 2023 2022 2023 2022 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 115 280 $ 343 784 Salaries and employee benefits Amortization of prior service credit (cost) (4 ) 78 (10 ) 235 Salaries and employee benefits Income tax (benefit) expense (29 ) (93 ) (87 ) (265 ) Income taxes Net of tax 82 265 246 754 Total reclassifications, net of tax $ 82 265 $ 246 754

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2023 and 2022. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended Nine September 30 September 30 2023 2022 2023 2022 Non-interest income Service Charges on Deposits Overdraft fees $ 766 $ 714 $ 2,169 $ 2,007 Other 515 494 1,601 1,466 Interchange Income 1,376 1,546 4,483 4,792 Wealth management fees 1,627 1,435 4,813 5,264 Other (a) 290 197 775 956 Total non-interest income $ 4,574 $ 4,386 $ 13,841 $ 14,485 (a) Not within the scope of ASC 606. A description of the Company’s revenue streams accounted in accordance with ASC 606 as follows: Service charges on Deposit Accounts: Interchange Income: Wealth Management fees:

Operating Leases

Operating Leases	9 Months Ended
	Sep. 30, 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 September 30, 2023, the Company did not have any leases with terms of twelve months or less. As of September the Company did not have any leases for which any related construction had not yet started. At lease expiration dates ranged from to years and have a weighted average remaining lease term of years. Certain leases provide for increases in future minimum annual rental payments as defined in the lease agreements. As mentioned above the leases generally also include variable lease components which include real estate taxes, insurance, and common area maintenance (“CAM”) charges in the annual rental payments. Other information related to leases was as follows: (dollars in thousands) Three months ended September 30 2023 2022 Operating lease cost $ 2,045 2,062 Variable lease cost 527 565 Total Lease costs $ 2,572 2,627 (dollars in thousands) Nine months ended September 30 2023 2022 Operating lease cost $ 6,132 6,185 Variable lease cost 1,731 1,706 Total Lease costs $ 7,863 7,891 ( Nine months ended September 30, 2023 2022 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 6,268 6,262 Right-of-use assets obtained in exchange for lease obligations: 1,653 2,484 Weighted average remaining lease term 8.6 9.0 Weighted average discount rate 3.05 % 2.96 % Future minimum lease payments under non-cancellable leases as of September 30, 2023 were as follows: (dollars in thousands) Year ending December 31, 2023 (a) $ 2,108 2024 8,379 2025 7,978 2026 7,004 2027 5,767 Thereafter 20,522 Total lease payments $ 51,758 Less: Interest 6,340 Present value of lease liabilities $ 45,418 (a) Excluding the nine months ended September 30, 2023. A member of the Board of Directors has an ownership interest in entities that own commercial real estate leased by the Company for use as branch locations. Total lease payments from the Company to those entities, which are included in the table above, owed at September 30, 2023, were $ million, which includes interest of $ thousand.

Regulatory Capital Requirements

Regulatory Capital Requirements	9 Months Ended
	Sep. 30, 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 September 30, 2023, the Company and the Bank met 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 September 30, 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 September 30 : (Bank Only) Minimum for As of September 30, 2023 Well Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 634,460 10.452 % 5.000 % 4.000 % Common equity tier 1 capital 634,460 18.395 6.500 7.000 Tier 1 risk-based capital 634,460 18.395 8.000 8.500 Total risk-based capital 677,649 19.647 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 September 30, 2023 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 654,879 10.785 % 4.000 % Common equity tier 1 capital 654,879 18.982 7.000 Tier 1 risk-based capital 654,879 18.982 8.500 Total risk-based capital 698,079 20.234 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 September 30, 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	9 Months Ended
	Sep. 30, 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.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Sep. 30, 2023
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2023
Earnings Per Share [Abstract]
Reconciliation of Earnings Per Share	A reconciliation of the component parts of earnings per share for the three and nine months ended September 30, 2023 and 2022 is as follows: (in thousands, except per share data) For the three months ended For the nine months ended September 30 September 30 2023 2022 2023 2022 Net income $ 14,680 $ 19,364 $ 48,798 $ 54,324 Weighted average common shares 19,024 19,111 19,024 19,159 Stock Options - 1 - 1 Weighted average common shares including potential dilutive shares 19,024 19,112 19,024 19,160 Basic EPS $ 0.77 $ 1.01 $ 2.57 $ 2.84 Diluted EPS $ 0.77 $ 1.01 $ 2.57 $ 2.84

Benefit Plans (Tables)

Benefit Plans (Tables)	9 Months Ended
	Sep. 30, 2023
Benefit Plans [Abstract]
Net Periodic Benefit	The table below outlines the components of the Company’s net periodic benefit recognized during the three and nine months ended September 30, 2023 and 2022 for its pension and other postretirement benefit plan s Three months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2023 2022 2023 2022 Service cost $ - $ - $ 2 $ 4 Interest cost 304 222 65 52 Expected return on plan assets (672 ) (807 ) (288 ) (333 ) Amortization of net gain - - (115 ) (280 ) Amortization of prior service cost (credit) - - 4 (78 ) Net periodic benefit $ (368 ) $ (585 ) $ (332 ) $ (635 ) Nine months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2023 2022 2023 2022 Service cost $ - $ - $ 7 $ 13 Interest cost 910 666 197 155 Expected return on plan assets (2,013 ) (2,420 ) (867 ) (999 ) Amortization of net gain - - (343 ) (784 ) Amortization of prior service cost (credit) - - 10 (235 ) Net periodic benefit $ (1,103 ) $ (1,754 ) $ (996 ) $ (1,850 )

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 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: September 30 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 126,702 $ 1 $ 5,229 $ 121,474 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 272,012 1 38,294 233,719 Corporate bonds 80,270 - 3,335 76,935 Small Business Administration - guaranteed participation securities 19,477 - 2,161 17,316 Other 687 - 30 657 Total Securities Available for Sale $ 499,182 $ 2 $ 49,049 $ 450,135 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 and nine months ended September Three months ended September 30, (dollars in thousands) 2023 2022 Proceeds from sales $ - - Proceeds from calls/paydowns 9,877 14,376 Proceeds from maturities - 5,000 Gross realized gains - - Gross realized losses - - Nine months ended September 30, (dollars in thousands) 2023 2022 Proceeds from sales $ - - Proceeds from calls/paydowns 39,346 57,714 Proceeds from maturities 5,000 15,050 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: September 30 2023 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,724 21 301 6,444 Total held to maturity $ 6,724 21 301 6,444 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 the debt securities included in the available for sale portfolio as of September 30, 2023 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 $ 60,187 $ 58,959 Due after one year through five years 142,506 135,144 Due after five years through ten years 5,000 4,997 Mortgage backed securities and collateralized mortgage obligations - residential 272,012 233,719 Small Business Administration - guaranteed participation securities 19,477 17,316 $ 499,182 $ 450,135
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: September 30 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 $ 14,890 110 104,083 5,119 118,973 5,229 Mortgage backed securities and collateralized mortgage obligations - residential 6,283 214 222,483 38,080 228,766 38,294 Corporate bonds - - 76,935 3,335 76,935 3,335 Small Business Administration - guaranteed participation securities - - 17,316 2,161 17,316 2,161 Other 34 3 623 27 657 30 Total $ 21,207 327 421,440 48,722 442,647 49,049 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 $ 49,279 697 9,900 100 59,179 797 Mortgage backed securities and collateralized mortgage obligations - residential 93,447 1,888 22,098 588 115,545 2,476 Corporate bonds 15,670 171 14,546 454 30,216 625 Other 648 1 - - 648 1 Total $ 159,044 2,757 46,544 1,142 205,588 3,899
Held to Maturity Securities [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table categorizes the debt securities included in the (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,724 6,444 $ 6,724 6,444
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 unrealized loss position, were as follows: September 30, 2023 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 1,449 34 2,733 267 4,182 301 Total $ 1,449 34 2,733 267 4,182 301 December 31, 2022 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. 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)	9 Months Ended
	Sep. 30, 2023
Loan Portfolio and Allowance for Credit Losses [Abstract]
Recorded Investment in Loans by Portfolio Segment	The following tables presents loans by portfolio segment: September 30, 2023 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 208,394 $ 38,933 $ 247,327 Other 20,947 368 21,315 Real estate mortgage - 1 to 4 family: First mortgages 2,753,008 1,531,821 4,284,829 Home equity loans 44,873 13,304 58,177 Home equity lines of credit 206,806 125,222 332,028 Installment 12,217 4,388 16,605 Total loans, net $ 3,246,245 $ 1,714,036 4,960,281 Less: Allowance for credit losses 47,226 Net loans $ 4,913,055 * 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 for the three months ended September 30, 2023 is summarized as follows: For the three months ended September 30 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,610 $ 44,067 $ 237 $ 46,914 Loans charged off: New York and other states* - 27 23 50 Florida - - - - Total loan chargeoffs - 27 23 50 Recoveries of loans previously charged off: New York and other states* - 53 9 62 Florida - - - - Total recoveries - 53 9 62 Net loans (recoveries) charged off - (26 ) 14 (12 ) (Credit) provision for credit losses 103 192 5 300 Balance at end of period $ 2,713 $ 44,285 $ 228 $ 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2022 is summarized as follows: For the three months ended September 30 2022 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,274 42,880 131 45,285 Loans charged off: New York and other states* - 13 34 47 Florida - - - - Total loan chargeoffs - 13 34 47 Recoveries of loans previously charged off: New York and other states* - 177 - 177 Florida - - 2 2 Total recoveries - 177 2 179 Net loan recoveries - (164 ) 32 (132 ) (Credit) provision for credit losses 155 (100 ) 45 100 Balance at end of period $ 2,429 42,944 144 45,517 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses on loans by portfolio segment for the nine months ended September 30, 2023 is summarized as follows: For the nine September 30 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* - 49 69 118 Florida - - 71 71 Total loan chargeoffs - 49 140 189 Recoveries of loans previously charged off: New York and other states* 129 289 40 458 Florida - 25 - 25 Total recoveries 129 314 40 483 Net loans (recoveries) charged off (129 ) (265 ) 100 (294 ) (Credit) provision for credit losses (12 ) 749 163 900 Balance at end of period $ 2,713 $ 44,285 $ 228 $ 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2022 is summarized as follows: For the nine September 30 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 adjuste dfor ASU 2016-13 $ 2,149 44,406 65 46,620 Loans charged off: New York and other states* 40 25 53 118 Florida - - - - Total loan chargeoffs 40 25 53 118 Recoveries of loans previously charged off: New York and other states* 4 405 4 413 Florida - - 2 2 Total recoveries 4 405 6 415 Net loan recoveries 36 (380 ) 47 (297 ) (Credit) provision for loan losses 316 (1,842 ) 126 (1,400 ) Balance at end of period $ 2,429 42,944 144 45,517 * Includes New York, New Jersey, Vermont and Massachusetts.
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 September 30, 2023 and December 31, 2022: As of September 30 2023 ( dollars in s) 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 2,713 44,285 228 47,226 Total ending allowance balance $ 2,713 $ 44,285 $ 228 $ 47,226 Loans: Individually evaluated for impairment $ 962 $ 24,521 $ 106 $ 25,589 Collectively evaluated for impairment 267,680 4,650,513 16,499 4,934,692 Total ending loans balance $ 268,642 $ 4,675,034 $ 16,605 $ 4,960,281 As of December 31, 2022 ( dollars in s) 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
Allowance for Credit Losses on Unfunded Commitments	The Company’s activity in the allowance for credit losses on unfunded commitments for the three and nine months ended September 30, 2023 and 2022 was as follows: (In thousands) For the three months ended September 30, 2023 Balance at June 30, 2023 $ 2,112 (Credit) provision for credit losses (200 ) Balance at September 30, 2023 $ 1,912 (In thousands) For the nine months ended September 30, 2023 Balance at January 1, 2023 $ 2,912 (Credit) provision for credit losses (1,000 ) Balance at September 30, 2023 $ 1,912 (In thousands) For the three months ended September 30, 2022 Balance at June 30, 2022 $ 3,162 Provision for credit losses 200 Balance at September 30, 2022 $ 3,362 (In thousands) For the nine months ended September 30, 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 1,009 Balance at September 30, 2022 $ 3,362
Risk Category Loans by Class of Loans	As of September 30, 2023, and December 31, 2022 and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: (in thousands) As of September 30, 2023 Term Loans Amortized Cost Basis by Origination Year 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Commercial : Risk rating Pass $ 51,541 $ 83,437 $ 24,249 $ 16,926 $ 20,322 $ 42,634 $ 6,464 $ - $ 245,573 Special Mention - - - 47 - 230 - - 277 Substandard - - - 108 - 1,369 - - 1,477 Total Commercial Loans $ 51,541 $ 83,437 $ 24,249 $ 17,081 $ 20,322 $ 44,233 $ 6,464 $ - $ 247,327 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 6,052 $ 2,968 $ 2,077 $ 1,569 $ 430 $ 2,536 $ 5,255 $ - $ 20,887 Special mention - - - - - - - - - Substandard - - 330 - - 98 - - 428 Total Commercial Real Estate Loans $ 6,052 $ 2,968 $ 2,407 $ 1,569 $ 430 $ 2,634 $ 5,255 $ - $ 21,315 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 332,209 $ 571,064 $ 890,093 $ 744,547 $ 349,235 $ 1,380,747 $ 2,818 $ - $ 4,270,713 Nonperforming 64 210 389 230 1,123 12,100 - - 14,116 Total First Mortgage: $ 332,273 $ 571,274 $ 890,482 $ 744,777 $ 350,358 $ 1,392,847 $ 2,818 $ - $ 4,284,829 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ 27 $ 22 $ - $ - $ 49 $ - - - - 27 22 - - $ 49 Home Equity Loans: Risk rating Performing $ 8,095 $ 6,112 $ 8,136 $ 5,757 $ 6,667 $ 23,127 $ - $ - $ 57,894 Nonperforming - - - - - 283 - - 283 Total Home Equity Loans: $ 8,095 $ 6,112 $ 8,136 $ 5,757 $ 6,667 $ 23,410 $ - $ - $ 58,177 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 766 $ 824 $ 365 $ 126 $ 30 $ 16,765 $ 310,690 $ - $ 329,566 Nonperforming - - - - - 2,096 366 - 2,462 Total Home Equity Credit Lines: $ 766 $ 824 $ 365 $ 126 $ 30 $ 18,861 $ 311,056 $ - $ 332,028 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Installments: Risk rating Performing $ 7,330 $ 5,137 $ 1,667 $ 452 $ 277 $ 594 $ 990 $ - $ 16,447 Nonperforming - 32 51 - 68 2 5 - 158 Total Installments $ 7,330 $ 5,169 $ 1,718 $ 452 $ 345 $ 596 $ 995 $ - $ 16,605 Installments Loans: Current-period Gross writeoffs $ - $ 58 $ 49 $ 6 $ 10 $ 17 $ - $ - $ 140 $ - $ 58 $ 49 $ 6 $ 10 $ 17 $ - $ - $ 140 (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 Loans: Risk rating Performing $ 6,863 $ 9,124 $ 6,322 $ 7,588 $ 5,240 $ 21,217 $ - $ - $ 56,354 Nonperforming - - - - 66 129 - - 195 Total Home Equity Loans: $ 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 September 30,2023 and December 31,2022: As of September 30 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 $ - $ - $ 522 $ 522 $ 207,872 $ 208,394 Other - - - - 20,947 20,947 Real estate mortgage - 1 to 4 family: First mortgages 2,501 824 6,699 10,024 2,742,984 2,753,008 Home equity loans 129 2 158 289 44,584 44,873 Home equity lines of credit 726 171 781 1,678 205,128 206,806 Installment 12 56 59 127 12,090 12,217 Total $ 3,368 $ 1,053 $ 8,219 $ 12,640 $ 3,233,605 $ 3,246,245 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 $ - $ - $ - $ - $ 38,933 $ 38,933 Other - - 314 314 54 368 Real estate mortgage - 1 to 4 family: First mortgages 876 - 1,400 2,276 1,529,545 1,531,821 Home equity loans 49 - - 49 13,255 13,304 Home equity lines of credit 258 - - 258 124,964 125,222 Installment 48 5 60 113 4,275 4,388 Total $ 1,231 $ 5 $ 1,774 $ 3,010 $ 1,711,026 $ 1,714,036 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 $ - $ - $ 522 $ 522 $ 246,805 $ 247,327 Other - - 314 314 21,001 21,315 Real estate mortgage - 1 to 4 family: First mortgages 3,377 824 8,099 12,300 4,272,529 4,284,829 Home equity loans 178 2 158 338 57,839 58,177 Home equity lines of credit 984 171 781 1,936 330,092 332,028 Installment 60 61 119 240 16,365 16,605 Total $ 4,599 $ 1,058 $ 9,993 $ 15,650 $ 4,944,631 $ 4,960,281 * 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 table presents the amortized cost basis in non-accrual loans by portfolio segment: As of September 30 2023 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 540 $ - $ 540 Other - 314 314 Real estate mortgage - 1 to 4 family: First mortgages 12,128 1,988 14,116 Home equity loans 238 45 283 Home equity lines of credit 2,267 195 2,462 Installment 93 65 158 Total non-accrual loans 15,266 2,607 17,873 Restructured real estate mortgages - 1 to 4 family 5 - 5 Total nonperforming loans $ 15,271 $ 2,607 $ 17,878 * 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 September 30, 2023 and December 31,2022: As of September 30, 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 $ 540 $ - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 13,470 646 - Home equity loans 277 6 - Home equity lines of credit 2,345 117 - Installment 106 52 - Total loans, net $ 17,052 $ 821 - 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 -
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 September 30, 2023 and December 31, 2022: As of September 30, Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 648 - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 20,854 - - Home equity loans 378 - - Home equity lines of credit 3,289 - - Installment 106 - - Total $ 25,589 - - 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 - -
Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications	The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below : For the three months ended September 30, 2023 New York and other states*: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 255 0.01 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 255 0.01 % Florida: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: - First mortgages - - Home equity loans - - Home equity lines of credit - - Installment - - Total $ - - Total Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 255 0.01 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 255 0.01 % * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended September 30, 2023 New York and other states*: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 490 0.02 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 540 0.02 % Florida: Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 340 0.02 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 340 0.02 % Total Payment % of Total Class (dollars in thousands) Delay of Loans Commercial: Commercial real estate $ - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 830 0.02 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 880 0.02 % * Includes New York, New Jersey, Vermont and Massachusetts.
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty	The following table describes the performance of loans that have been modified as of September 30, 2023: As of September 30, 2023 New York and other states*: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 351 139 - - 490 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 401 $ 139 $ - $ - $ 540 Florida: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 340 - - - 340 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 340 $ - $ - $ - $ 340 Total 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 691 139 - - 830 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 741 $ 139 $ - $ - $ 880 * Includes New York, New Jersey, Vermont and Massachusetts.
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty	The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty: For the three months ended September 30, 2023 Weighted New York and other states*: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 18 Home equity loans - Home equity lines of credit - Installment - Total 18 Weighted Florida: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages - Home equity loans - Home equity lines of credit - Installment - Total - Weighted Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 18 Home equity loans - Home equity lines of credit - Installment - Total 18 * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended September 30, 2023 Weighted New York and other states*: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 20 Home equity loans - Home equity lines of credit 18 Installment - Total 38 Weighted Florida: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 24 Home equity loans - Home equity lines of credit - Installment - Total 24 Weighted Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate - Other - Real estate mortgage - 1 to 4 family: First mortgages 44 Home equity loans - Home equity lines of credit 18 Installment - Total 62 * Includes New York, New Jersey, Vermont and Massachusetts.
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 and nine months ended September 30, 2022: Three months ended September 30, 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 3 282 282 Home equity loans - - - Home equity lines of credit - - - Total 3 $ 282 282 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. Nine September 30, 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 7 719 719 Home equity loans - - - Home equity lines of credit - - - Total 7 $ 719 719 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)	9 Months Ended
	Sep. 30, 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 September 30 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 $ 121,474 $ - $ 121,474 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 233,719 - 233,719 - Corporate bonds 76,935 - 76,935 - Small Business Administration- guaranteed participation securities 17,316 - 17,316 - Other securities 657 - 657 - Total securities available for sale $ 450,135 $ - $ 450,135 $ - 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 September 30, 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 $ 1,185 $ - $ - $ 1,185 Sales comparison approach Adjustments for differences between comparable sales 0% - 77% (29 %) Loans individually evaluated - - - - Sales comparison Adjustments for differences between comparable sales N/A 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 %) Impaired loans: Real estate mortgage -1 to 4 family - - - - Sales comparison Adjustments for differences between comparable sales N/A
Carrying Amounts and Estimated Fair Values of Financial Instruments	In accordance with FASB Topic 825, Financial Instruments September (dollars in thousands) Fair Value Measurements at Carrying September 30 2023 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 507,261 507,261 - - 507,261 Securities available for sale 450,135 22 450,113 - 450,135 Held to maturity securities 6,724 - 6,444 - 6,444 Federal Home Loan Bank stock 6,203 N/A N/A N/A N/A Net loans 4,913,055 - - 4,366,535 4,366,535 Accrued interest receivable 13,429 590 1,873 10,966 13,429 Financial liabilities: Demand deposits 773,293 773,293 - - 773,293 Interest bearing deposits 4,461,072 2,879,568 1,556,686 - 4,436,254 Short-term borrowings 103,110 - 103,110 - 103,110 Accrued interest payable 2,480 237 2,243 - 2,480 (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 Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2023
Accumulated Other Comprehensive Income (Loss) [Abstract]
Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax	The following is a summary of the accumulated other comprehensive (loss) income balances, net of tax: Three months ended September 30, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2023 Reclassifications Income 9/30/2023 9/30/2023 Net unrealized holding loss on securities available for sale, net of tax $ (31,125 ) (5,212 ) - (5,212 ) (36,337 ) 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 credit on pension and postretirement benefit plans, net of tax (2,675 ) - (82 ) (82 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (26,212 ) (5,212 ) (82 ) (5,294 ) (31,506 ) Three months ended September 30 2022 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2022 Reclassifications Income 9/30/2022 9/30/2022 Net unrealized holding gain on securities available for sale, net of tax $ (21,106 ) (15,522 ) - (15,522 ) (36,628 ) 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 cost on pension and postretirement benefit plans, net of tax (2,022 ) - (265 ) (265 ) (2,287 ) Accumulated other comprehensive loss, net of tax $ (9,422 ) (15,522 ) (265 ) (15,787 ) (25,209 ) Nine months ended September 30, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2023 Reclassifications Income 9/30/2023 9/30/2023 Net unrealized holding loss on securities available for sale, net of tax $ (32,271 ) (4,066 ) - (4,066 ) (36,337 ) 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 ) - (246 ) (246 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) (4,066 ) (246 ) (4,312 ) (31,506 ) Nine September 30 2022 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2022 Reclassifications Income 9/30/2022 9/30/2022 Net unrealized holding gain on securities available for sale, net of tax $ (26 ) (36,602 ) - (36,602 ) (36,628 ) 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 ) - (754 ) (754 ) (2,287 ) Accumulated other comprehensive income (loss), net of tax $ 12,147 (36,602 ) (754 ) (37,356 ) (25,209 )
Reclassifications out of Accumulated Other Comprehensive Loss	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2023 and 2022: (dollars in thousands) Three months ended Nine September 30 September 30 2023 2022 2023 2022 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 115 280 $ 343 784 Salaries and employee benefits Amortization of prior service credit (cost) (4 ) 78 (10 ) 235 Salaries and employee benefits Income tax (benefit) expense (29 ) (93 ) (87 ) (265 ) Income taxes Net of tax 82 265 246 754 Total reclassifications, net of tax $ 82 265 $ 246 754

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2023 and 2022. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended Nine September 30 September 30 2023 2022 2023 2022 Non-interest income Service Charges on Deposits Overdraft fees $ 766 $ 714 $ 2,169 $ 2,007 Other 515 494 1,601 1,466 Interchange Income 1,376 1,546 4,483 4,792 Wealth management fees 1,627 1,435 4,813 5,264 Other (a) 290 197 775 956 Total non-interest income $ 4,574 $ 4,386 $ 13,841 $ 14,485 (a) Not within the scope of ASC 606.

Operating Leases (Tables)

Operating Leases (Tables)	9 Months Ended
	Sep. 30, 2023
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) Three months ended September 30 2023 2022 Operating lease cost $ 2,045 2,062 Variable lease cost 527 565 Total Lease costs $ 2,572 2,627 (dollars in thousands) Nine months ended September 30 2023 2022 Operating lease cost $ 6,132 6,185 Variable lease cost 1,731 1,706 Total Lease costs $ 7,863 7,891
Supplemental Cash Flows Information	( Nine months ended September 30, 2023 2022 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 6,268 6,262 Right-of-use assets obtained in exchange for lease obligations: 1,653 2,484 Weighted average remaining lease term 8.6 9.0 Weighted average discount rate 3.05 % 2.96 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of September 30, 2023 were as follows: (dollars in thousands) Year ending December 31, 2023 (a) $ 2,108 2024 8,379 2025 7,978 2026 7,004 2027 5,767 Thereafter 20,522 Total lease payments $ 51,758 Less: Interest 6,340 Present value of lease liabilities $ 45,418 (a) Excluding the nine months ended September 30, 2023.

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	9 Months Ended
	Sep. 30, 2023
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank and the Company reported the following capital ratios as of September 30 : (Bank Only) Minimum for As of September 30, 2023 Well Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 634,460 10.452 % 5.000 % 4.000 % Common equity tier 1 capital 634,460 18.395 6.500 7.000 Tier 1 risk-based capital 634,460 18.395 8.000 8.500 Total risk-based capital 677,649 19.647 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 September 30, 2023 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 654,879 10.785 % 4.000 % Common equity tier 1 capital 654,879 18.982 7.000 Tier 1 risk-based capital 654,879 18.982 8.500 Total risk-based capital 698,079 20.234 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 September 30, 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						9 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2023	Sep. 30, 2022
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 14,680	$ 16,372	$ 17,746	$ 19,364	$ 17,871	$ 17,089	$ 48,798	$ 54,324
Weighted average common shares (in shares)	19,024			19,111			19,024	19,159
Stock Options (in shares)	0			1			0	1
Weighted average common shares including potential dilutive shares (in shares)	19,024			19,112			19,024	19,160
Basic EPS (in dollars per share)	$ 0.77			$ 1.01			$ 2.57	$ 2.84
Diluted EPS (in dollars per share)	$ 0.77			$ 1.01			$ 2.57	$ 2.84
Stock Options [Member]
Antidilutive Securities [Abstract]
Number of anti-dilutive stock options excluded from diluted earnings per share (in shares)	77			60			77	60

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 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	0	$ 0
Interest cost	304	222	910	666
Expected return on plan assets	(672)	(807)	(2,013)	(2,420)
Amortization of net gain	0	0	0	0
Amortization of prior service cost (credit)	0	0	0	0
Net periodic benefit	(368)	(585)	(1,103)	(1,754)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	2	4	7	13
Interest cost	65	52	197	155
Expected return on plan assets	(288)	(333)	(867)	(999)
Amortization of net gain	(115)	(280)	(343)	(784)
Amortization of prior service cost (credit)	4	(78)	10	(235)
Net periodic benefit	$ (332)	$ (635)	$ (996)	$ (1,850)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 499,182	$ 525,030
Gross Unrealized Gains	2	35
Gross Unrealized Losses	49,049	43,552
Fair Value	450,135	481,513
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	126,702	124,123
Gross Unrealized Gains	1	1
Gross Unrealized Losses	5,229	5,937
Fair Value	121,474	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	272,012	291,431
Gross Unrealized Gains	1	34
Gross Unrealized Losses	38,294	31,149
Fair Value	233,719	260,316
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	80,270	85,641
Gross Unrealized Gains	0	0
Gross Unrealized Losses	3,335	4,295
Fair Value	76,935	81,346
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	19,477	23,115
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,161	2,138
Fair Value	17,316	20,977
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	687	686
Gross Unrealized Gains	0	0
Gross Unrealized Losses	30	33
Fair Value	$ 657	$ 653

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized Cost [Abstract]
Due in one year or less	$ 60,187
Due after one year through five years	142,506
Due after five years through ten years	5,000
Amortized Cost	499,182	$ 525,030
Fair Value [Abstract]
Due in one year or less	58,959
Due in one year through five years	135,144
Due after five years through ten years	4,997
Fair Value	450,135	481,513
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	272,012
Amortized Cost	272,012	291,431
Fair Value [Abstract]
Securities, fair value	233,719
Fair Value	233,719	260,316
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	19,477
Amortized Cost	19,477	23,115
Fair Value [Abstract]
Securities, fair value	17,316
Fair Value	$ 17,316	$ 20,977

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 21,207	$ 159,044
12 months or more - Fair Value	421,440	46,544
Total - Fair Value	442,647	205,588
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	327	2,757
12 months or more - Gross Unrealized Loss	48,722	1,142
Total - Gross Unrealized Loss	49,049	3,899
Available-for-sale, allowance for credit loss	0
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	14,890	49,279
12 months or more - Fair Value	104,083	9,900
Total - Fair Value	118,973	59,179
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	110	697
12 months or more - Gross Unrealized Loss	5,119	100
Total - Gross Unrealized Loss	5,229	797
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	6,283	93,447
12 months or more - Fair Value	222,483	22,098
Total - Fair Value	228,766	115,545
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	214	1,888
12 months or more - Gross Unrealized Loss	38,080	588
Total - Gross Unrealized Loss	38,294	2,476
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	15,670
12 months or more - Fair Value	76,935	14,546
Total - Fair Value	76,935	30,216
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	171
12 months or more - Gross Unrealized Loss	3,335	454
Total - Gross Unrealized Loss	3,335	625
Small Business Administration-Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0
12 months or more - Fair Value	17,316
Total - Fair Value	17,316
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0
12 months or more - Gross Unrealized Loss	2,161
Total - Gross Unrealized Loss	2,161
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	34	648
12 months or more - Fair Value	623	0
Total - Fair Value	657	648
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	3	1
12 months or more - Gross Unrealized Loss	27	0
Total - Gross Unrealized Loss	$ 30	$ 1

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0	$ 0	$ 0
Proceeds from calls/paydowns	9,877	14,376	39,346	57,714
Proceeds from maturities	0	5,000	5,000	15,050
Gross realized gains	0	0	0	0
Gross realized losses	0	0	0	0
Sales and transfers of available for sale securities	$ 0	$ 0	$ 0	$ 0

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 6,724	$ 7,707
Gross Unrecognized Gains	21	90
Gross Unrecognized Losses	301	217
Fair Value	6,444	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	6,724	7,707
Gross Unrecognized Gains	21	90
Gross Unrecognized Losses	301	217
Fair Value	$ 6,444	$ 7,580

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Amortized Cost [Abstract]
Amortized Cost	$ 6,724	$ 7,707
Fair Value [Abstract]
Fair Value	6,444	7,580
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	6,724
Amortized Cost	6,724	7,707
Fair Value [Abstract]
Securities, fair value	6,444
Fair Value	$ 6,444	$ 7,580

Investment Securities, Held-t_3

Investment Securities, Held-to-maturity Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	$ 1,449		$ 1,449		$ 3,327
More than 12 months - Fair value	2,733		2,733		258
Fair Value	4,182		4,182		3,585
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	34		34		206
More than 12 months - Gross Unrecognized Loss	267		267		11
Gross Unrecognized Losses	301		301		217
Sales and transfers of held to maturity securities	0	$ 0	0	$ 0
Held-to-maturity, allowance for credit loss	0		0
Held to maturity securities on non-accrual status	0		0
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	1,449		1,449		3,327
More than 12 months - Fair value	2,733		2,733		258
Fair Value	4,182		4,182		3,585
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	34		34		206
More than 12 months - Gross Unrecognized Loss	267		267		11
Gross Unrecognized Losses	$ 301		$ 301		$ 217

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans by Loan Class (Details) - USD ($) $ in Thousands		Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022
Loans and Leases Receivable [Abstract]
Total loans		$ 4,960,281		$ 4,733,201
Allowance for credit losses on loans		47,226	$ 46,914	46,032	$ 45,517	$ 45,285
Net loans		4,913,055		4,687,169
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	3,246,245		3,219,914
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,714,036		1,513,287
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		29,300		36,400
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans		7,800		14,100
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans		21,500		22,300
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans		268,642		231,011
Allowance for credit losses on loans		2,713	2,610	2,596	2,429	2,274
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans		247,327		209,922
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	208,394		177,371
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		38,933		32,551
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans		21,315		21,089
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	20,947		20,221
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		368		868
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		688		1,000
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,675,034		4,489,883
Allowance for credit losses on loans		44,285	44,067	43,271	42,944	42,880
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,284,829		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]	2,753,008		2,776,989
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,531,821		1,369,913
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		58,177		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]	44,873		43,999
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		13,304		12,550
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans		332,028		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]	206,806		191,926
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		125,222		94,506
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans		16,605		12,307
Allowance for credit losses on loans		228	$ 237	165	$ 144	$ 131
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	12,217		9,408
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		$ 4,388		$ 2,899
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _4

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended		12 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 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		$ 46,914	$ 45,285	$ 46,032
Loans charged off [Abstract]
Total loan charge offs		50	47	189	118
Recoveries of loans previously charged off [Abstract]
Total recoveries		62	179	483	415
Net loans (recoveries) charged off		(12)	(132)	(294)	(297)
(Credit) provision for credit losses		300	100	900	(1,400)
Balance at end of period		47,226	45,517	47,226	45,517	46,032
Provision (benefit) for credit losses		100	300	(100)	(391)
Credit losses on unfunded commitments		200	200	1,000	1,000
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	50	47	118	118
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	62	177	458	413
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	71	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	2	25	2
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		2,610	2,274	2,596
Loans charged off [Abstract]
Total loan charge offs		0	0	0	40
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	129	4
Net loans (recoveries) charged off		0	0	(129)	36
(Credit) provision for credit losses		103	155	(12)	316
Balance at end of period		2,713	2,429	2,713	2,429	2,596
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	0	0	0	40
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	0	0	129	4
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period					40,689	40,689
Balance at beginning of period		44,067	42,880	43,271
Loans charged off [Abstract]
Total loan charge offs		27	13	49	25
Recoveries of loans previously charged off [Abstract]
Total recoveries		53	177	314	405
Net loans (recoveries) charged off		(26)	(164)	(265)	(380)
(Credit) provision for credit losses		192	(100)	749	(1,842)
Balance at end of period		44,285	42,944	44,285	42,944	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]	27	13	49	25
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	53	177	289	405
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	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		237	131	165
Loans charged off [Abstract]
Total loan charge offs		23	34	140	53	88
Recoveries of loans previously charged off [Abstract]
Total recoveries		9	2	40	6
Net loans (recoveries) charged off		14	32	100	47
(Credit) provision for credit losses		5	45	163	126
Balance at end of period		228	144	228	144	165
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	23	34	69	53
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	9	0	40	4
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	71	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		$ 0	$ 2	$ 0	2
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, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022	Sep. 30, 2022	Jun. 30, 2022
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	47,226		46,032
Total ending allowance balance	47,226	$ 46,914	46,032	$ 45,517	$ 45,285
Loans [Abstract]
Individually evaluated for impairment	25,589		25,695
Collectively evaluated for impairment	4,934,692		4,707,506
Total loans	4,960,281		4,733,201
Commercial Loans [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	2,713		2,596
Total ending allowance balance	2,713	2,610	2,596	2,429	2,274
Loans [Abstract]
Individually evaluated for impairment	962		646
Collectively evaluated for impairment	267,680		230,365
Total loans	268,642		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	44,285		43,271
Total ending allowance balance	44,285	44,067	43,271	42,944	42,880
Loans [Abstract]
Individually evaluated for impairment	24,521		24,967
Collectively evaluated for impairment	4,650,513		4,464,916
Total loans	4,675,034		4,489,883
Installment Loans [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	228		165
Total ending allowance balance	228	$ 237	165	$ 144	$ 131
Loans [Abstract]
Individually evaluated for impairment	106		82
Collectively evaluated for impairment	16,499		12,225
Total loans	$ 16,605		$ 12,307

Loan Portfolio and Allowance _6

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 46,914	$ 45,285	$ 46,032
Balance at beginning of period				$ 44,267
(Credit) provision for credit losses	200	200	1,000	1,000
Balance at end of period	47,226	45,517	47,226	45,517
Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	2,112	3,162	2,912
Balance at beginning of period				18
(Credit) provision for credit losses	(200)	200	(1,000)	1,009
Balance at end of period	$ 1,912	$ 3,362	$ 1,912	3,362
ASU 2016-13 [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period				46,620
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period				2,353
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period				2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period				$ 2,335

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022	Dec. 31, 2022
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	$ 4,960,281		$ 4,960,281		$ 4,733,201
Current-period Gross writeoffs	50	$ 47	189	$ 118
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	268,642		268,642		231,011
Current-period Gross writeoffs	0	0	0	40
Commercial [Member] | Commercial Real Estate [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	51,541		51,541		79,430
2022/2021	83,437		83,437		29,991
2021/2020	24,249		24,249		18,883
2020/2019	17,081		17,081		22,790
2019/2018	20,322		20,322		16,969
Prior	44,233		44,233		33,837
Revolving Loans Amortized Cost Basis	6,464		6,464		8,022
Revolving Loan Converted to Term	0		0		0
Total loans	247,327		247,327		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] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	51,541		51,541		79,430
2022/2021	83,437		83,437		29,991
2021/2020	24,249		24,249		18,708
2020/2019	16,926		16,926		22,790
2019/2018	20,322		20,322		16,598
Prior	42,634		42,634		32,666
Revolving Loans Amortized Cost Basis	6,464		6,464		8,022
Revolving Loan Converted to Term	0		0		0
Total loans	245,573		245,573		208,205
Commercial [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0		0
2022/2021	0		0		0
2021/2020	0		0		62
2020/2019	47		47		0
2019/2018	0		0		243
Prior	230		230		0
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	277		277		305
Commercial [Member] | Commercial Real Estate [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0		0
2022/2021	0		0		0
2021/2020	0		0		113
2020/2019	108		108		0
2019/2018	0		0		128
Prior	1,369		1,369		1,171
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	1,477		1,477		1,412
Commercial [Member] | Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	6,052		6,052		2,972
2022/2021	2,968		2,968		3,187
2021/2020	2,407		2,407		2,273
2020/2019	1,569		1,569		590
2019/2018	430		430		674
Prior	2,634		2,634		2,446
Revolving Loans Amortized Cost Basis	5,255		5,255		8,947
Revolving Loan Converted to Term	0		0		0
Total loans	21,315		21,315		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] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	6,052		6,052		2,972
2022/2021	2,968		2,968		2,848
2021/2020	2,077		2,077		2,273
2020/2019	1,569		1,569		590
2019/2018	430		430		674
Prior	2,536		2,536		2,348
Revolving Loans Amortized Cost Basis	5,255		5,255		8,908
Revolving Loan Converted to Term	0		0		0
Total loans	20,887		20,887		20,613
Commercial [Member] | Other [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0		0
2022/2021	0		0		0
2021/2020	0		0		0
2020/2019	0		0		0
2019/2018	0		0		0
Prior	0		0		0
Revolving Loans Amortized Cost Basis	0		0		39
Revolving Loan Converted to Term	0		0		0
Total loans	0		0		39
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0		0
2022/2021	0		0		339
2021/2020	330		330		0
2020/2019	0		0		0
2019/2018	0		0		0
Prior	98		98		98
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	428		428		437
Real Estate Mortgage - 1 to 4 Family [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	4,675,034		4,675,034		4,489,883
Current-period Gross writeoffs	27	13	49	25
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	332,273		332,273		557,981
2022/2021	571,274		571,274		934,250
2021/2020	890,482		890,482		784,592
2020/2019	744,777		744,777		368,981
2019/2018	350,358		350,358		258,277
Prior	1,392,847		1,392,847		1,241,349
Revolving Loans Amortized Cost Basis	2,818		2,818		1,472
Revolving Loan Converted to Term	0		0		0
Total loans	4,284,829		4,284,829		4,146,902
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			0		0
2019/2018			27		0
Prior			22		5
Revolving Loans Amortized Cost Basis Writeoffs			0		0
Revolving Loan Converted to Term Writeoffs			0		0
Current-period Gross writeoffs			49		5
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	332,209		332,209		557,981
2022/2021	571,064		571,064		933,754
2021/2020	890,093		890,093		784,511
2020/2019	744,547		744,547		368,137
2019/2018	349,235		349,235		257,926
Prior	1,380,747		1,380,747		1,228,776
Revolving Loans Amortized Cost Basis	2,818		2,818		1,472
Revolving Loan Converted to Term	0		0		0
Total loans	4,270,713		4,270,713		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	64		64		0
2022/2021	210		210		496
2021/2020	389		389		81
2020/2019	230		230		844
2019/2018	1,123		1,123		351
Prior	12,100		12,100		12,573
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	14,116		14,116		14,345
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	8,095		8,095		6,863
2022/2021	6,112		6,112		9,124
2021/2020	8,136		8,136		6,322
2020/2019	5,757		5,757		7,588
2019/2018	6,667		6,667		5,306
Prior	23,410		23,410		21,346
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	58,177		58,177		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] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	8,095		8,095		6,863
2022/2021	6,112		6,112		9,124
2021/2020	8,136		8,136		6,322
2020/2019	5,757		5,757		7,588
2019/2018	6,667		6,667		5,240
Prior	23,127		23,127		21,217
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	57,894		57,894		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		0
2022/2021	0		0		0
2021/2020	0		0		0
2020/2019	0		0		0
2019/2018	0		0		66
Prior	283		283		129
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	283		283		195
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	766		766		1,369
2022/2021	824		824		1,253
2021/2020	365		365		740
2020/2019	126		126		52
2019/2018	30		30		100
Prior	18,861		18,861		20,488
Revolving Loans Amortized Cost Basis	311,056		311,056		262,430
Revolving Loan Converted to Term	0		0		0
Total loans	332,028		332,028		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] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	766		766		1,369
2022/2021	824		824		1,246
2021/2020	365		365		740
2020/2019	126		126		52
2019/2018	30		30		100
Prior	16,765		16,765		18,377
Revolving Loans Amortized Cost Basis	310,690		310,690		262,244
Revolving Loan Converted to Term	0		0		0
Total loans	329,566		329,566		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		0
2022/2021	0		0		7
2021/2020	0		0		0
2020/2019	0		0		0
2019/2018	0		0		0
Prior	2,096		2,096		2,111
Revolving Loans Amortized Cost Basis	366		366		186
Revolving Loan Converted to Term	0		0		0
Total loans	2,462		2,462		2,304
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	7,330		7,330		6,405
2022/2021	5,169		5,169		2,512
2021/2020	1,718		1,718		805
2020/2019	452		452		774
2019/2018	345		345		374
Prior	596		596		309
Revolving Loans Amortized Cost Basis	995		995		1,128
Revolving Loan Converted to Term	0		0		0
Total loans	16,605		16,605		12,307
2023/2022			0		1
2022/2021			58		47
2021/2020			49		22
2020/2019			6		7
2019/2018			10		2
Prior			17		9
Revolving Loans Amortized Cost Basis Writeoffs			0		0
Revolving Loan Converted to Term Writeoffs			0		0
Current-period Gross writeoffs	23	$ 34	140	$ 53	88
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	7,330		7,330		6,385
2022/2021	5,137		5,137		2,495
2021/2020	1,667		1,667		805
2020/2019	452		452		709
2019/2018	277		277		374
Prior	594		594		308
Revolving Loans Amortized Cost Basis	990		990		1,125
Revolving Loan Converted to Term	0		0		0
Total loans	16,447		16,447		12,201
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0		20
2022/2021	32		32		17
2021/2020	51		51		0
2020/2019	0		0		65
2019/2018	68		68		0
Prior	2		2		1
Revolving Loans Amortized Cost Basis	5		5		3
Revolving Loan Converted to Term	0		0		0
Total loans	$ 158		$ 158		$ 106

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
		Sep. 30, 2023	Dec. 31, 2022
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 4,960,281	$ 4,733,201
Number of days past due		90 days	90 days
Loans that are 90 days past due and still accruing interest		$ 0	$ 0
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	3,246,245	3,219,914
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,714,036	1,513,287
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		15,650	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	[1]	12,640	14,609
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,010	3,508
30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,599	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	[1]	3,368	5,619
30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,231	1,464
60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,058	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]	1,053	925
60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		5	243
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		9,993	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	[1]	8,219	8,065
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,774	1,801
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,944,631	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	[1]	3,233,605	3,205,305
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,711,026	1,509,779
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		268,642	231,011
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		247,327	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]	208,394	177,371
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		38,933	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		522	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	[1]	522	161
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	[1]	0	0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	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	[1]	0	0
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		522	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	[1]	522	161
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		246,805	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	[1]	207,872	177,210
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		38,933	32,551
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		21,315	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]	20,947	20,221
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		368	868
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		314	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	[1]	0	38
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		0	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	[1]	0	18
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	[1]	0	0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		314	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	[1]	0	20
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		21,001	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	[1]	20,947	20,183
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		54	554
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,675,034	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		4,284,829	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]	2,753,008	2,776,989
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		1,531,821	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		12,300	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	[1]	10,024	12,386
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		2,276	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		3,377	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	[1]	2,501	4,262
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		876	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		824	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]	824	921
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	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		8,099	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	[1]	6,699	7,203
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		1,400	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		4,272,529	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	[1]	2,742,984	2,764,603
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		1,529,545	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		58,177	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]	44,873	43,999
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		13,304	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		338	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	[1]	289	350
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		49	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		178	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	[1]	129	283
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		49	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		2	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	[1]	2	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	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		158	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	[1]	158	67
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		57,839	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	[1]	44,584	43,649
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		13,255	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		332,028	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]	206,806	191,926
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		125,222	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		1,936	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]	1,678	1,569
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		258	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		984	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	[1]	726	978
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		258	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		171	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	[1]	171	0
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		781	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	[1]	781	591
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		330,092	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	[1]	205,128	190,357
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		124,964	94,282
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		16,605	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]	12,217	9,408
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,388	2,899
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		240	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	[1]	127	105
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		113	89
Installment [Member] | 30-59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		60	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	[1]	12	78
Installment [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		48	6
Installment [Member] | 60-89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		61	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	[1]	56	4
Installment [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		5	0
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		119	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	[1]	59	23
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		60	83
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		16,365	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	[1]	12,090	9,303
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 4,275	$ 2,810
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _9

Loan Portfolio and Allowance for Credit Losses, Non-accrual Loans, By Loan Class (Details) - USD ($) $ in Thousands		Sep. 30, 2023	Dec. 31, 2022
Non accrual loans by loan class [Abstract]
Other estate owned		$ 1,200	$ 2,100
Total non-accrual loans		17,873	17,483
Restructured real estate mortgages - 1 to 4 family		5	10
Total nonperforming loans		17,878	17,493
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	15,266	15,191
Restructured real estate mortgages - 1 to 4 family	[1]	5	10
Total nonperforming loans	[1]	15,271	15,201
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,607	2,292
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		2,607	2,292
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		6,300	7,400
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		540	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]	540	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		314	334
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	0	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		14,116	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]	12,128	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		1,988	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		283	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]	238	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		45	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		2,462	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]	2,267	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		195	117
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		158	106
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	93	23
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 65	$ 83
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_10

Loan Portfolio and Allowance for Credit Losses, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Sep. 30, 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	$ 17,052	$ 16,150
Non-accrual	821	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	540	160
Non-accrual	0	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	314	20
Non-accrual	0	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	13,470	13,502
Non-accrual	646	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	277	129
Non-accrual	6	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	2,345	2,257
Non-accrual	117	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	106	82
Non-accrual	52	24
Loans Past Due Over 89 Days Still Accruing	$ 0	$ 0

Loan Portfolio and Allowance_11

Loan Portfolio and Allowance for Credit Losses, Type of Collateral Dependent Loans by Portfolio Segment (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Loans and Leases Receivable [Abstract]
Total loans	$ 4,960,281	$ 4,733,201
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	25,589	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	268,642	231,011
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	247,327	209,922
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	648	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	21,315	21,089
Commercial [Member] | Other [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	314	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	4,675,034	4,489,883
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans	4,284,829	4,146,902
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	20,854	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	58,177	56,549
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	378	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	332,028	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	3,289	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	16,605	12,307
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	106	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, Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Financing Receivable Modifications Information [Abstract]
Loan modifications classifications from previously performing loans		$ 8,500	$ 9,300	$ 8,500	$ 9,300
New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]		282		719
Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified			0		0
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]		0		0
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified			0		0
Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.01%		0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0.01%		0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable				0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.01%		0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]		282		719
% of Total Class of Financing Receivable	[1]	0.01%		0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified			0		0
% of Total Class of Financing Receivable				0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]		0		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified			0		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable				0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]		0		0
% of Total Class of Financing Receivable	[1]			0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified			$ 0		$ 0
Payment Delay [Member]
Financing Receivable Modifications [Abstract]
Loans modified		$ 255		$ 880
Payment Delay [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	255		540
Payment Delay [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		340
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0		0
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Commercial [Member] | Other [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Commercial [Member] | Other [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0		0
Payment Delay [Member] | Commercial [Member] | Other [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Modifications [Abstract]
Loans modified		255		830
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	255		490
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		340
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		50
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0		50
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Installment [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0		0
Payment Delay [Member] | Installment [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0		0
Payment Delay [Member] | Installment [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		$ 0		$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_13

Loan Portfolio and Allowance for Credit Losses, Performance of Loans Modified to Borrowers Experiencing Financial Difficulty (Details) $ in Thousands	Sep. 30, 2023 USD ($)
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	$ 880
New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	540	[1]
Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	340
30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	139
30-59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	139	[1]
30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
60-89 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	741
Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	401	[1]
Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	340
Commercial [Member] | Commercial Real Estate [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Commercial Real Estate [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Commercial Real Estate [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Other [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Other [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Other [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Commercial [Member] | Other [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	830
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	490	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	340
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	139
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	139	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	691
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	351	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	340
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	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]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	50
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	50	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
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]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	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]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
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]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	50
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	50	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Installment [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | 30-59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | 30-59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Installment [Member] | 30-59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | 60-89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | 60-89 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Installment [Member] | 60-89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0
Installment [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	0	[1]
Installment [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_14

Loan Portfolio and Allowance for Credit Losses, Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Loan commitments to lend additional funds to borrowers		$ 0		$ 0
Charge-off from loan modifications				0
Allowance for credit loss from loan modifications		0		0
Loan modifications from payment default		$ 0	$ 0	$ 0	$ 0
Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		18 months		62 months
New York and Other States [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	[1]	18 months		38 months
Florida [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term				24 months
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		18 months		44 months
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	[1]	18 months		20 months
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term				24 months
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term				18 months
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	[1]			18 months
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_15

Loan Portfolio and Allowance for Credit Losses, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($) Contract	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($) Contract
Modified loans by class determined to be TDR's [Abstract]
Number of loans defaulted from loan modifications within last 12 months		$ 0	$ 0	$ 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		7
Pre-Modification Outstanding Recorded Investment	[1]		$ 282		$ 719
Post-Modification Outstanding Recorded Investment	[1]		$ 282		$ 719
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0		0
Pre-Modification Outstanding Recorded Investment			$ 0		$ 0
Post-Modification Outstanding Recorded Investment			$ 0		$ 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		0
Pre-Modification Outstanding Recorded Investment	[1]		$ 0		$ 0
Post-Modification Outstanding Recorded Investment	[1]		$ 0		$ 0
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0		0
Pre-Modification Outstanding Recorded Investment			$ 0		$ 0
Post-Modification Outstanding Recorded Investment			$ 0		$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		3		7
Pre-Modification Outstanding Recorded Investment	[1]		$ 282		$ 719
Post-Modification Outstanding Recorded Investment	[1]		$ 282		$ 719
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		0
Pre-Modification Outstanding Recorded Investment			$ 0		$ 0
Post-Modification Outstanding Recorded Investment			$ 0		$ 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]		0		0
Pre-Modification Outstanding Recorded Investment	[1]		$ 0		$ 0
Post-Modification Outstanding Recorded Investment	[1]		$ 0		$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract			0		0
Pre-Modification Outstanding Recorded Investment			$ 0		$ 0
Post-Modification Outstanding Recorded Investment			$ 0		$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	[1]		0		0
Pre-Modification Outstanding Recorded Investment	[1]		$ 0		$ 0
Post-Modification Outstanding Recorded Investment	[1]		$ 0		$ 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		0
Pre-Modification Outstanding Recorded Investment			$ 0		$ 0
Post-Modification Outstanding Recorded Investment			$ 0		$ 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	Sep. 30, 2023	Dec. 31, 2022
Securities available for sale [Abstract]
Fair Value	$ 450,135	$ 481,513
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Fair Value	22	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Fair Value	450,113	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	450,135	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	121,474	118,187
State and political subdivisions	34	34
Mortgage backed securities and collateralized mortgage obligations - residential	233,719	260,316
Corporate bonds	76,935	81,346
Small Business Administration - guaranteed participation securities	17,316	20,977
Other securities	657	653
Fair Value	450,135	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	121,474	118,187
State and political subdivisions	34	34
Mortgage backed securities and collateralized mortgage obligations - residential	233,719	260,316
Corporate bonds	76,935	81,346
Small Business Administration - guaranteed participation securities	17,316	20,977
Other securities	657	653
Fair Value	$ 450,135	$ 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	9 Months Ended	12 Months Ended
	Sep. 30, 2023 USD ($)	Sep. 30, 2023 USD ($)	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]	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]	Adjustments for Differences Between Comparable Sales [Member]
Impaired loans	$ 25,600	$ 25,600	$ 25,700
Valuation charge on other real estate owned		143	68
Collateral dependent impaired loans	0	0	0
Valuation allowance	0	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	0
Loans individually evaluated	0	0
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Impaired loans			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	0
Loans individually evaluated	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Impaired loans			0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	1,185	1,185	2,061
Loans individually evaluated	$ 0	$ 0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Impaired loans			$ 0
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0	0	0.02
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.77	0.77	0.47
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	(0.29)	(0.29)	(0.18)
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 1,185	$ 1,185	$ 2,061
Loans individually evaluated	0	0
Nonrecurring [Member] | Carrying Value [Member] | Commercial Real Estate [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 0	$ 0
Nonrecurring [Member] | Carrying Value [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Impaired loans			$ 0

Fair Value of Financial Instr_5

Fair Value of Financial Instruments, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
Financial assets [Abstract]
Cash and cash equivalents	$ 507,261	$ 650,599
Securities available for sale	450,135	481,513
Held to maturity securities	6,444	7,580
Net loans	4,366,535	4,328,508
Accrued interest receivable	13,429	11,492
Financial liabilities [Abstract]
Demand deposits	773,293	838,147
Interest bearing deposits	4,436,254	4,338,428
Short-term borrowings	103,110	122,700
Accrued interest payable	2,480	602
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	507,261	650,599
Securities available for sale	22	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	590	189
Financial liabilities [Abstract]
Demand deposits	773,293	838,147
Interest bearing deposits	2,879,568	3,325,900
Short-term borrowings	0	0
Accrued interest payable	237	60
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	450,113	481,513
Held to maturity securities	6,444	7,580
Net loans	0	0
Accrued interest receivable	1,873	1,866
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,556,686	1,012,528
Short-term borrowings	103,110	122,700
Accrued interest payable	2,243	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	4,366,535	4,328,508
Accrued interest receivable	10,966	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	507,261	650,599
Securities available for sale	450,135	481,513
Held to maturity securities	6,724	7,707
Federal Reserve Bank and Federal Home Loan Bank stock	6,203	5,797
Net loans	4,913,055	4,687,169
Accrued interest receivable	13,429	11,492
Financial liabilities [Abstract]
Demand deposits	773,293	838,147
Interest bearing deposits	4,461,072	4,354,663
Short-term borrowings	103,110	122,700
Accrued interest payable	$ 2,480	$ 602

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss), Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2023	Sep. 30, 2022
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 621,389	$ 614,703	$ 599,987	$ 594,632	$ 592,895	$ 601,128	$ 599,987	$ 601,128
Other comprehensive loss - before reclassifications	(5,212)			(15,522)			(4,066)	(36,602)
Amount reclassified from accumulated other comprehensive income	(82)			(265)			(246)	(754)
Other comprehensive loss, net of tax	(5,294)	(2,837)	3,819	(15,787)	(7,053)	(14,516)	(4,312)	(37,356)
Balance	623,926	621,389	614,703	589,006	594,632	592,895	623,926	589,006
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(26,212)	(23,375)	(27,194)	(9,422)	(2,369)	12,147	(27,194)	12,147
Other comprehensive loss, net of tax	(5,294)	(2,837)	3,819	(15,787)	(7,053)	(14,516)
Balance	(31,506)	(26,212)	(23,375)	(25,209)	(9,422)	(2,369)	(31,506)	(25,209)
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	(31,125)		(32,271)	(21,106)		(26)	(32,271)	(26)
Other comprehensive loss - before reclassifications	(5,212)			(15,522)			(4,066)	(36,602)
Amount reclassified from accumulated other comprehensive income	0			0			0	0
Other comprehensive loss, net of tax	(5,212)			(15,522)			(4,066)	(36,602)
Balance	(36,337)	(31,125)		(36,628)	(21,106)		(36,337)	(36,628)
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		7,588	13,706		13,706	7,588	13,706
Other comprehensive loss - before reclassifications	0			0			0	0
Amount reclassified from accumulated other comprehensive income	0			0			0	0
Other comprehensive loss, net of tax	0			0			0	0
Balance	7,588	7,588		13,706	13,706		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	(2,675)		$ (2,511)	(2,022)		$ (1,533)	(2,511)	(1,533)
Other comprehensive loss - before reclassifications	0			0			0	0
Amount reclassified from accumulated other comprehensive income	(82)			(265)			(246)	(754)
Other comprehensive loss, net of tax	(82)			(265)			(246)	(754)
Balance	$ (2,757)	$ (2,675)		$ (2,287)	$ (2,022)		$ (2,757)	$ (2,287)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss), Reclassifications out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2022	Jun. 30, 2022	Mar. 31, 2022	Sep. 30, 2023	Sep. 30, 2022
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ 12,393			$ 12,134			$ 38,798	$ 32,837
Income tax (benefit) expense	4,555			6,371			15,915	17,587
Net of tax	14,680	$ 16,372	$ 17,746	19,364	$ 17,871	$ 17,089	48,798	54,324
Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Net of tax	82			265			246	754
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)			(87)	(265)
Net of tax	82			265			246	754
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	115			280			343	784
Amortization of Prior Service Credit (Cost) [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ (4)			$ 78			$ (10)	$ 235

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2023	Sep. 30, 2022
Sources of non-interest income [Abstract]
Other	[1]	$ 290	$ 197	$ 775	$ 956
Total non-interest income		4,574	4,386	13,841	14,485
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		766	714	2,169	2,007
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		515	494	1,601	1,466
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		1,376	1,546	4,483	4,792
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 1,627	$ 1,435	$ 4,813	$ 5,264
[1]Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2023 USD ($) Property Lease	Sep. 30, 2022 USD ($)	Sep. 30, 2023 USD ($) Property Lease	Sep. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease		0		0
Other information related to leases [Abstract]
Operating lease cost		$ 2,045	$ 2,062	$ 6,132	$ 6,185
Variable lease cost		527	565	1,731	1,706
Total Lease costs		$ 2,572	$ 2,627	7,863	7,891
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases				6,268	6,262
Right-of-use assets obtained in exchange for lease obligations:				$ 1,653	$ 2,484
Weighted average remaining lease term		8 years 7 months 6 days	9 years	8 years 7 months 6 days	9 years
Weighted average discount rate		3.05%	2.96%	3.05%	2.96%
Future minimum lease payments under non-cancellable leases [Abstract]
2023	[1]	$ 2,108		$ 2,108
2024		8,379		8,379
2025		7,978		7,978
2026		7,004		7,004
2027		5,767		5,767
Thereafter		20,522		20,522
Total lease payments		51,758		51,758
Less: Interest		6,340		6,340
Present value of lease liabilities		45,418		45,418		$ 48,980
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments		2,900		2,900
Less: Interest		$ 333		$ 333
Number of properties under lease owned by related party | Property		5		5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term		3 months		3 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term		21 years		21 years
[1] Excluding the nine months ended September 30, 2023.

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Sep. 30, 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		$ 634,460	$ 609,998
Common equity Tier 1 capital		634,460	609,998
Tier 1 risk-based capital		634,460	609,998
Total risk-based capital		$ 677,649	$ 651,462
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10452	0.10116
Common equity Tier 1 capital, ratio		0.18395	0.18431
Tier 1 risk-based capital, ratio		0.18395	0.18431
Total risk-based capital, ratio		0.19647	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		$ 654,879	$ 626,628
Common equity Tier 1 capital		654,879	626,628
Tier 1 risk-based capital		654,879	626,628
Total risk-based capital		$ 698,079	$ 668,102
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10785	0.1039
Common equity Tier 1 capital, ratio		0.18982	0.18929
Tier 1 risk-based capital, ratio		0.18982	0.18929
Total risk-based capital, ratio		0.20234	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 September 30, 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