TrustCo Bank Corp NY (TRST) 10-K 11 Mar 24 2023 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Feb. 29, 2024	Jun. 30, 2023
Cover [Abstract]
Document Type	10-K
Amendment Flag	false
Document Annual Report	true
Document Period End Date	Dec. 31, 2023
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	FY
Document Transition Report	false
Entity File Number	0-10592
Entity Registrant Name	TRUSTCO BANK CORP NY
Entity Central Index Key	0000357301
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	14-1630287
Entity Address, Address Line One	5 SARNOWSKI DRIVE
Entity Address, City or Town	GLENVILLE
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12302
City Area Code	518
Local Phone Number	377-3311
Title of 12(b) Security	Common Stock, $1.00 par value
Trading Symbol	TRST
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 527
Entity Common Stock, Shares Outstanding		19,024,433
Auditor Firm ID	173
Auditor Name	Crowe LLP
Auditor Location	New York, New York

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest and dividend income:
Interest and fees on loans	$ 187,456	$ 162,214	$ 159,168
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	2,805	1,405	314
State and political subdivisions	2	2	2
Mortgage-backed securities and collateralized mortgage obligations-residential	6,146	5,677	4,515
Corporate bonds	1,987	1,804	1,065
Small Business Administration-guaranteed participation securities	437	551	745
Other	10	9	20
Total interest and dividends on securities available for sale	11,387	9,448	6,661
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	296	343	435
Total interest on held to maturity securities	296	343	435
Federal Home Loan Bank stock	500	305	260
Interest on federal funds sold and other short-term investments	26,567	14,292	1,458
Total interest and dividend income	226,206	186,602	167,982
Interest expense:
Interest on deposits	53,352	5,727	6,665
Interest on short-term borrowings	1,009	740	909
Total interest expense	54,361	6,467	7,574
Net interest income	171,845	180,135	160,408
Provision (Credit) for credit losses	1,250	(341)	(5,450)
Net interest income after provision (credit) for credit losses	170,595	180,476	165,858
Noninterest income:
Trustco Financial Services income	6,425	7,037	7,358
Fees for services to customers	10,648	10,947	9,799
Other	1,242	1,276	780
Total noninterest income	18,315	19,260	17,937
Noninterest expense:
Salaries and employee benefits	51,242	45,904	48,721
Net occupancy expense	17,427	17,527	17,742
Equipment expense	7,610	6,487	6,617
Professional services	6,245	5,577	6,108
Outsourced services	10,039	9,210	8,384
Advertising expense	1,878	2,046	1,975
FDIC and other insurance expense	4,300	3,159	3,010
Other real estate expense, net	524	310	183
Other	12,032	10,099	8,922
Total noninterest expense	111,297	100,319	101,662
Income before income taxes	77,613	99,417	82,133
Income taxes	18,967	24,183	20,614
Net income	$ 58,646	$ 75,234	$ 61,519
Earnings per share:
Basic (in dollars per share)	$ 3.08	$ 3.93	$ 3.19
Diluted (in dollars per share)	$ 3.08	$ 3.93	$ 3.19

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Consolidated Statements of Comprehensive Income [Abstract]
Net income	$ 58,646	$ 75,234	$ 61,519
Net unrealized holding gain (loss) on securities available for sale	11,293	(43,513)	(9,715)
Tax effect	(2,921)	11,268	2,503
Net unrealized gain (loss) on securities available for sale, net of tax	8,372	(32,245)	(7,212)
Change in overfunded position in pension and postretirement plans arising during the year	7,955	(8,266)	10,297
Tax effect	(2,067)	2,148	(2,675)
Change in overfunded position in pension and postretirement plans arising during the year, net of tax	5,888	(6,118)	7,622
Amortization of net actuarial gain	(423)	(1,008)	(674)
Amortization of prior service cost (credit)	13	(313)	405
Tax effect	107	343	70
Amortization of net actuarial gain and prior service cost (credit) on pension and postretirement plans, net of tax	(303)	(978)	(199)
Other comprehensive income (loss), net of tax	13,957	(39,341)	211
Comprehensive income	$ 72,603	$ 35,893	$ 61,730

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 49,274	$ 43,429
Federal funds sold and other short term investments	528,730	607,170
Total cash and cash equivalents	578,004	650,599
Securities available for sale	452,289	481,513
Held to maturity securities ($6,396 and $7,580 fair value at December 31, 2023 and 2022, respectively)	6,458	7,707
Federal Home Loan Bank stock	6,203	5,797
Loans, net of deferred costs	5,002,879	4,733,201
Less: Allowance for credit loss on loans	48,578	46,032
Net loans	4,954,301	4,687,169
Bank premises and equipment, net	34,007	32,556
Operating lease right-of-use assets	40,542	44,727
Other assets	96,387	89,984
Total assets	6,168,191	6,000,052
Deposits:
Demand	754,532	838,147
Savings accounts	1,179,241	1,521,473
Interest-bearing checking	1,015,213	1,183,321
Money market deposit accounts	565,767	621,106
Time accounts	1,836,024	1,028,763
Total deposits	5,350,777	5,192,810
Short-term borrowings	88,990	122,700
Operating lease liabilities	44,471	48,980
Accrued expenses and other liabilities	38,668	35,575
Total liabilities	5,522,906	5,400,065
Commitments and contingent liabilities
SHAREHOLDERS' EQUITY:
Capital stock: $1.00 par value; 30,000,000 shares authorized, 20,058,142 shares issued and 19,024,433 shares outstanding at both December 31, 2023 and 2022	20,058	20,058
Surplus	257,181	257,078
Undivided profits	425,069	393,831
Accumulated other comprehensive loss, net of tax	(13,237)	(27,194)
Treasury stock: 1,033,709 shares, at cost, at both December 31, 2023 and 2022	(43,786)	(43,786)
Total shareholders' equity	645,285	599,987
Total liabilities and shareholders' equity	$ 6,168,191	$ 6,000,052

Consolidated Statements of Co_2

Consolidated Statements of Condition (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Held to maturity securities, fair value	$ 6,396	$ 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 - USD ($) $ in Thousands		Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total	Cumulative Effect, Period of Adoption, Adjustment [Member] Undivided Profits [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	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 Income (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, 2020	[1]	$ 20,041	$ 256,606	$ 313,974	$ 11,936	$ (34,396)	$ 568,161
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]								ASU 2016-13 [Member]				ASU 2016-13 [Member]
Net income		0	0	61,519	0	0	61,519
Change in other comprehensive income (loss), net of tax		0	0	0	211	0	211
Cash used to Settle fractional shares in the Reverse Stock Split		(5)	(195)	0	0	0	(200)
Stock options exercises	[1]	10	250	0	0	0	260
Cash dividend declared	[1]	0	0	(26,437)	0	0	(26,437)
Purchase of treasury stock	[1]	0	0	0	0	(2,386)	(2,386)
Balance at Dec. 31, 2021		20,046	256,661	349,056	12,147	(36,782)	601,128	$ (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		0	0	75,234	0	0	75,234
Change in other comprehensive income (loss), net of tax		0	0	0	(39,341)	0	(39,341)
Stock options exercises		12	417	0	0	0	429
Cash dividend declared		0	0	(26,989)	0	0	(26,989)
Purchase of treasury stock		0	0	0	0	(7,004)	(7,004)
Balance at Dec. 31, 2022		20,058	257,078	393,831	(27,194)	(43,786)	599,987
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income		0	0	58,646	0	0	58,646
Change in other comprehensive income (loss), net of tax		0	0	0	13,957	0	13,957
Cash dividend declared		0	0	(27,408)	0	0	(27,408)
Stock based compensation expense		0	103	0	0	0	103
Balance at Dec. 31, 2023		$ 20,058	$ 257,181	$ 425,069	$ (13,237)	$ (43,786)	$ 645,285
[1]All periods presented have been adjusted for the 1 for 5

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parenthetical)	12 Months Ended
	Dec. 31, 2023 $ / shares	Dec. 31, 2022 $ / shares shares	Dec. 31, 2021 $ / shares shares
Consolidated Statements of Changes in Shareholders' Equity [Abstract]
Stock options exercises (in shares)		12,458	9,923
Cash dividend declared (in dollars per share) | $ / shares	$ 1.44	$ 1.41	$ 1.3719
Purchase of treasury stock (in shares)		208,014	71,260

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities:
Net income	$ 58,646	$ 75,234	$ 61,519
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	4,114	4,101	4,219
Amortization of right-of-use asset	6,672	6,452	6,383
Net gain on sale of other real estate owned	(355)	(122)	(216)
Writedown of other real estate owned	143	68	121
Provision (Credit) for credit losses	1,250	(341)	(5,450)
Deferred tax expense	2,156	4,114	(238)
Net amortization of securities	1,734	2,266	3,955
Stock based compensation expense	103	0	0
Net loss (gain) on sale of bank premises and equipment	101	(315)	0
(Increase) Decrease in taxes receivable	(79)	4,906	(148)
(Increase) Decrease in interest receivable	(2,192)	(2,393)	932
Increase (Decrease) in interest payable	3,010	439	(311)
Increase in other assets	(5,588)	(8,432)	(10,247)
Decrease in operating lease liabilities	(6,996)	(6,829)	(6,652)
Increase (Decrease) in accrued expenses and other liabilities	1,410	(522)	1,498
Total adjustments	5,483	3,392	(6,154)
Net cash provided by operating activities	64,129	78,626	55,365
Cash flows from investing activities:
Proceeds from paydowns and calls of securities available for sale	53,503	68,954	148,609
Purchases of securities available for sale	(19,678)	(203,516)	(139,962)
Proceeds from maturities of securities available for sale	5,008	15,057	9,162
Proceeds from calls and maturities of held to maturity securities	1,199	2,142	3,780
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock	(406)	(193)	(98)
Net increase in loans	(269,952)	(296,343)	(194,677)
Proceeds from dispositions of other real estate owned	2,399	588	764
Proceeds from dispositions of bank premises and equipment	0	470	6
Purchases of bank premises and equipment	(5,666)	(3,785)	(2,840)
Net cash used in investing activities	(233,593)	(416,626)	(175,256)
Cash flows from financing activities:
Net change in deposits	157,967	(75,319)	230,936
Net change in short-term borrowings	(33,710)	(121,986)	29,931
Proceeds from exercise of stock options and related tax benefits	0	429	260
Cash used to settle fractional shares in the Reverse Stock Split	0	0	(200)
Purchases of treasury stock	0	(7,004)	(2,386)
Dividends paid	(27,388)	(26,991)	(26,279)
Net cash provided by (used in) financing activities	96,869	(230,871)	232,262
Net (decrease) increase in cash and cash equivalents	(72,595)	(568,871)	112,371
Cash and cash equivalents at beginning of period	650,599	1,219,470	1,107,099
Cash and cash equivalents at end of period	578,004	650,599	1,219,470
Cash paid during the year for:
Interest paid	51,351	6,028	7,885
Income taxes paid	19,064	19,459	20,493
Non cash investing and financing activities:
Transfer of loans to real estate owned	320	2,233	490
Change in dividends payable	20	(2)	158
Change in unrealized gain (loss) on securities available for sale - gross of deferred taxes	11,293	(43,513)	(9,715)
Change in deferred tax effect on unrealized (gain) loss on securities available for sale, net of reclassification adjustment	(2,921)	11,268	2,503
Amortization of net actuarial gain and prior service credit on pension and post retirement plans, gross of deferred taxes	(410)	(1,321)	(269)
Change in deferred tax effect of amortization of net actuarial gain and prior service credit on pension and post retirement plans	107	343	70
Change in overfunded portion of pension and post retirement benefit plans (ASC 715) - gross of deferred taxes	7,955	(8,266)	10,297
Deferred tax effect of change in overfunded portion of pension and post retirement benefit plans (ASC 715)	$ (2,067)	$ 2,148	$ (2,675)

Basis of Presentation

Basis of Presentation	12 Months Ended
	Dec. 31, 2023
Basis of Presentation [Abstract]
Basis of Presentation	(1) Basis of Presentation The accounting and financial reporting policies of TrustCo Bank Corp NY (the Company or TrustCo), ORE Subsidiary Corp., Trustco Bank (referred to as Trustco Bank or the Bank), and its wholly owned subsidiaries, Trustco Realty Corporation, Trustco Insurance Agency, Inc., ORE Property, Inc. and its subsidiaries ORE Property One, Inc. and ORE Property Two, Inc. conform to general practices within the banking industry and are in conformity with U.S. generally accepted accounting principles. A description of the more significant policies follows. Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions. Reverse Stock Split Effective as of May 28, 2021, the Company completed a 1-for-5 Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Securities Available for Sale and Held to Maturity (Debt Securities) Debt securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available for sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are generally amortized on the level-yield method without anticipating prepayments. Premiums on callable debt securities are amortized to their earlier call date. Discounts are amortized to maturity date. Gains and losses are recorded on the trade date and determined using the specific identification method. A debt security is placed on non-accrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against interest income. The Company measures expected credit losses on securities held to maturity debt on a collective basis. Accrued interest receivable on held to maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers nature of the Issuer, historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Based on the nature of the issuer, there is no allowance for credit losses on held to maturity securities. The Company evaluates securities available for sale in an unrealized loss position for other than temporary impairment (“OTTI”) by first assessing whether it intends to sell or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For available for sale debt securities that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than amortized cost, any changes to the rating of security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income. Federal Reserve Bank of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank was also a member of the Federal Reserve Bank of New York until it discontinued its membership in 2020 and the Reserve Bank stock was redeemed. Prior to the stock redemption, the Reserve Bank stock was carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received were reported as income Loans Loans that management has the intent and ability to hold for the near future or until maturity or payoff are reported at amortized cost net of allowance for credit losses on loans. Amortized cost is the principal balance outstanding, net of deferred loan fees and costs. Interest income is accrued on unpaid principal balances. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. Interest income from mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent. Non-accrual loans are individually reviewed and charged off at 180 days past due. Commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on non-accrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought to current and future payments are reasonably assured. Allowance for Credit Losses on Loans The allowance for credit losses on loans (“ACLL”) is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectibility of the loan balance is confirmed. Expected recoveries are not to exceed the aggregate of amounts previously charged-off and expected to be charged-off. Accrued interest receivable is excluded from the estimate of credit losses. The level of the ACLL represents management’s estimate of expected credit losses over the expected life of the loans at the balance sheet date. he level of the ACLL is based on management’s ongoing review of all relevant information, from internal and external sources, relating to past and current events, utilizing an 8-quarter The ACLL is measured on a collective (pool) basis when similar risk characteristics exist. The Company evaluates its risk characteristics of loans based on regulatory call report code with sub-segmentation based on geographic territory (New York and Florida). Risk characteristics relevant to each portfolio segment are as follows: Commercial: ‑ Residential real estate: one‑ ‑ Installment: Loans that do not share risk characteristics are evaluated on an individual basis, which the Company has determined are non-accrual loans that have been delinquent 180 days or greater, commercial non-accrual loans and loans identified as loan modifications. Loans evaluated individually are not also included in the collective evaluation. Estimates of specific allowance may be determined by the present value of anticipated future cash flows or the loan’s observable fair market value, or the fair value of the collateral less costs to sell, if the loan is collateral dependent. However, for collateral dependent loans, the amount of the amortized cost in a loan that exceeds the fair value of the collateral is charged-off against the allowance for credit losses on loans in lieu of an allocation of a specific allowance amount when such an amount has been identified definitively as uncollectible. A loan for which terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered a loan modification. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the near future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, even though there was no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. Loan modifications that have subsequently defaulted have the underlying collateral evaluated at the time these loans were identified as loan modifications, and a charge-off was taken at that time, if necessary. Collateral values on these loans are reviewed for collateral sufficiency on a quarterly basis. The allowance for unfunded commitments is maintained at a level by the Company determined to be sufficient to absorb expected lifetime losses related to unfunded credit facilities (including unfunded loan commitments and letters of credit). The allowance for unfunded commitments is recorded as a separate liability and is included with Accrued expenses and other liabilities on the consolidated statements of condition. Changes in the reserve are recorded through the provision for credit losses on the consolidated statements of income. Prior to the adoption of CECL, the Company calculated the allowance for loan losses under the incurred loss methodology. Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight ‑ Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2023 and 2022, there were $194 thousand and $2.1 million, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition. Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded. Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation, or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2024, the Bank could declare dividends of approximately $99.8 million plus any 2024 net profits retained to the date of the dividend declaration. Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees who participated in the plan before it was frozen as of December 31, 2006. The benefits are based on years of service and the employee’s compensation The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive income (loss). Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re ‑ Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share ‑ ‑ Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid ‑ Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes. Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity. Comprehensive Income Comprehensive income represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax. Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates. Recently Adopted Accounting Standards On January 1, 2022, the Company adopted ASU 2016-13, “Financial Instruments - Credit Losses” (referred to as “CECL” and as Accounting Standards Codification Topic 326 (“ASC 326”)), which amended existing guidance to replace current generally accepted accounting principles used to measure a reporting entity’s credit losses. The main objective of this update is to provide financial statement users with enhanced financial disclosures for more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this update replace the incurred loss impairment methodology with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The allowance for credit losses on loans is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. The measurement of expected credit losses under the CECL methodology applies to financial assets measured at amortized cost including loan receivables and held to maturity debt securities. The update also applies to off-balance sheet exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees and other similar instruments). In addition, CECL made changes to the accounting for available for sale securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available for sale debt securities that management does not intend to sell or believes that it is more likely than not they will be required to sell. The Company adopted CECL using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet credit exposures. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with previous applicable GAAP. On the adoption date, the Company increased the allowance for credit losses on loans by $2.4 million and increased the allowance for credit losses for unfunded commitments by $2.3 million (included in Accrued expenses and other liabilities). The Company recorded a net decrease to undivided profits of $3.5 million, net of $1.2 million in deferred tax balances as of January 1, 2022 for the cumulative effect of adopting CECL. The Company did not record an allowance for credit losses as of January 1, 2022 on its securities available for sale or held to maturity. The impact of the January 1, 2022 adoption entry is summarized in the table below: (in thousands) December 31, 2021 Pre-CECL Adoption Impact of Adoption January 1, 2022 Post-CECL Adoption Assets: Allowance for credit losses on loans $ 44,267 $ 2,353 $ 46,620 Allowance for credit losses on securities - - - Liabilities and shareholders’ equity: Other liabilities (ACL unfunded loan commitments) 18 2,335 2,353 Tax Effect, net (included in other assets) - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits $ 349,056 $ (3,470 ) $ 345,586 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.

Cash and Cash Equivalents

Cash and Cash Equivalents	12 Months Ended
	Dec. 31, 2023
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents	(2) Cash and Cash Equivalents Cash and Cash Equivalents includes cash on hand, due from banks, and Federal fund sold and short-term investments with original maturities of 90 days or less. The Federal Reserve Bank requires the bank to maintain certain reserve requirements. As of December 31, 2023 and 2022 this reserve requirement was zero.

Investment Securities

Investment Securities	12 Months Ended
	Dec. 31, 2023
Investment Securities [Abstract]
Investment Securities	(3) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 121,728 $ 5 $ 3,065 $ 118,668 State and political subdivisions 26 - - 26 Mortgage backed securities and collateralized mortgage obligations - residential 263,182 270 25,775 237,677 Corporate bonds 80,150 - 2,098 78,052 Small Business Administration - guaranteed participation securities 18,740 - 1,554 17,186 Other 687 11 18 680 Total securities available for sale $ 484,513 $ 286 $ 32,510 $ 452,289 (dollars in thousands) December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 124,123 $ 1 $ 5,937 $ 118,187 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 291,431 34 31,149 260,316 Corporate bonds 85,641 - 4,295 81,346 Small Business Administration - guaranteed participation securities 23,115 - 2,138 20,977 Other 686 - 33 653 Total securities available for sale $ 525,030 $ 35 $ 43,552 $ 481,513 The following table categorizes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 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 are shown separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 70,701 $ 70,059 Due in after one year through five years 131,890 127,367 Mortgage backed securities and collateralized mortgage obligations - residential 263,182 237,677 Small Business Administration - guaranteed participation securities 18,740 17,186 $ 484,513 $ 452,289 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2023 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ - $ - $ 116,163 $ 3,065 $ 116,163 $ 3,065 Mortgage backed securities and collateralized mortgage obligations - residential - - 227,891 25,775 227,891 25,775 Corporate bonds - - 78,052 2,098 78,052 2,098 Other - - 631 18 631 18 Small Business Administration - guaranteed participation securities - - 17,186 1,554 17,186 1,554 Total $ - $ - $ 439,923 $ 32,510 $ 439,923 $ 32,510 (dollars in thousands) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 57,849 $ 1,290 $ 55,337 $ 4,647 $ 113,186 $ 5,937 Mortgage backed securities and collateralized mortgage obligations - residential 164,772 13,010 93,009 18,139 257,781 31,149 Corporate bonds 52,805 2,395 28,542 1,900 81,347 4,295 Small Business Administration - guaranteed participation securities 802 71 20,175 2,067 20,977 2,138 Mortgage backed securities and collateralized mortgage obligations - commercial - - - - - - Other 49 1 568 32 617 33 Total $ 276,277 $ 16,767 $ 197,631 $ 26,785 $ 473,908 $ 43,552 The proceeds from sales, calls/paydowns and maturities of securities available for sale, and gross realized gains and gross realized losses from sales during , and are as follows: Years ended December 31, (dollars in thousands) 2023 2022 2021 Proceeds from sales $ - $ - $ - Proceeds from calls/paydowns 53,503 68,954 148,609 Proceeds from maturities 5,008 15,057 9,162 Gross realized losses - - - Gross realized gains - - - The amount of securities pledged to secure short-term borrowings and for other purposes amounted to $155.3 million and $171.4 million at December 31, 2023 and 2022, respectively. There was no allowance for credit losses recorded for securities available for sale as of December 31, 2023 and 2022, respectively. All securities are performing in accordance with contractual terms. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: December 31, 2023 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,458 $ 74 $ 136 $ 6,396 Total held to maturity $ 6,458 $ 74 $ 136 $ 6,396 December 31, 2022 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,707 $ 90 $ 217 $ 7,580 Total held to maturity $ 7,707 $ 90 $ 217 $ 7,580 The following table categorizes the debt securities included in the held to maturity portfolio as of December 31, 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 shown separately. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,458 6,396 $ 6,458 6,396 Gross unrealized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: December 31, 2023 (dollars in thousands) Less than 12 months 12 months or more Total Fair Value Gross Unrec. Loss Fair Value Gross Unrec. Loss Fair Value Gross Unrec. Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 283 $ 3 $ 2,703 $ 133 $ 2,986 $ 136 Total $ 283 $ 3 $ 2,703 $ 133 $ 2,986 $ 136 December 31, 2022 (dollars in thousands) Less than 12 months 12 months or more Total Fair Value Gross Unrec. Loss Fair Value Gross Unrec. Loss Fair Value Gross Unrec. 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 allowance for credit losses recorded for held to maturity securities during 2023 and 2022 and as of December 31, 2023 and 2022. As of December 31, 2023 and 2022, there were no securities on non-accrual status and all securities were performing in accordance with contractual terms. (c) Concentrations The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2023 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 165,146 $ 149,532 Federal Home Loan Mortgage Corporation 103,230 95,243 Corporate Bonds 80,150 78,052 (d) Other-Than-Temporary-Impairment Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. In determining OTTI for debt securities, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether any other ‑ ‑ As of December 31, 2023, the Company’s security portfolio included certain securities which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises In the case of unrealized losses on U.S. government sponsored enterprises, because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2023. Mortgage backed securities and collateralized mortgage obligations – residential At December 31, 2023, all mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government sponsored entities and agencies, primarily Ginnie Mae, Fannie Mae and Freddie Mac, institutions which the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2023. Small Business Administration (SBA) - guaranteed participation securities: At December 31, 2023, all of the SBA securities held by the Company were issued and guaranteed by the U.S. Small Business Administration. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2023. Corporate Bonds and other At December 31, 2023, corporate bonds held by the Company are investment grade quality. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at December 31, 2023.

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2023
Loan Portfolio and Allowance for Credit Losses [Abstract]
Loan Portfolio and Allowance for Credit Losses	(4) Loan Portfolio and Allowance for Credit Losses The following table presents loans by portfolio segment: December 31, 2023 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 212,754 $ 39,501 $ 252,255 Other 20,863 397 21,260 Real estate mortgage - 1 to 4 family: First mortgages 2,756,914 1,550,191 4,307,105 Home equity loans 44,152 13,806 57,958 Home equity lines of credit 212,298 135,117 347,415 Installment 12,057 4,829 16,886 Total loans, net $ 3,259,038 $ 1,743,841 5,002,879 Less: Allowance for credit losses 48,578 Net loans $ 4,954,301 *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 $620 thousand and $1.0 million as of December and respectively. At December and the Company had approximately and respectively, in real estate construction loans at December approximately are secured by mortgages to residential borrowers while ly were to commercial borrowers for residential construction projects. Of the in real estate construction loans at December approximately are secured by mortgages to residential borrowers while approximately were to commercial borrowers for residential construction projects. At December and loans to executive officers and , respectively. During approximately of new loans were made, and repayments of loans totaled approximately . The composition of the related parties’ loan balances had no changes during the year. All loans are current according to their term. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. Allowance for credit losses on loans The level of the ACLL is based on factors that influence management’s current estimate of expected credit losses, including past events and current conditions. Consistent with the prior year, the Company has determined the Moody’s Stagflation forecast scenario to be appropriate for the December ACLL calculation. The Company selected the Moody’s Stagflation economic forecast for credit losses as management expects that markets will experience a slight decline in economic conditions and an increase in the unemployment rate over the next years. Activity in the allowance for credit losses on loans by portfolio segment for the years ended December 31, 2023, and 2022 are summarized as follows: For the year ended December 31, 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 $ 43,271 $ 165 $ 46,032 Loans charged off: New York and other states* - 371 97 468 Florida - - 79 79 Total loan chargeoffs - 371 176 547 Recoveries of loans previously charged off: New York and other states* 129 392 45 566 Florida - 25 2 27 Total recoveries 129 417 47 593 Net loans (recoveries) charged off (129 ) (46 ) 129 (46 ) (Credit) provision for credit losses 10 2,308 182 2,500 Balance at end of period $ 2,735 $ 45,625 $ 218 $ 48,578 * Includes New York, New Jersey, Vermont and Massachusetts. For the year ended December 31, 2022 (dollars in s) Real Estate Mortgage- Commercial 1 to Family Installment Total Balance at beginning of period $ 3,135 40,689 443 44,267 Impact of ASU - Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January as adjusted for ASU - 2,149 44,406 65 46,620 Loans charged off: New York and other states* 40 24 87 151 Florida - - 1 1 Total loan chargeoffs 40 24 88 152 Recoveries of loans previously charged off: New York and other states* 4 450 7 461 Florida - - 3 3 Total recoveries 4 450 10 464 Net loan recoveries 36 (426 ) 78 (312 ) (Credit) provision for loan losses 483 (1,561 ) 178 (900 ) Balance at end of period $ 2,596 43,271 165 46,032 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment as calculated under the probable incurred loss method for the year ended December 31, 2021 is as follows: For the year ended December 31, 2021 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 4,140 $ 44,950 $ 505 $ 49,595 Loans charged off: New York and other states* 30 339 58 427 Florida - 1 2 3 Total loan chargeoffs 30 340 60 430 Recoveries of loans previously charged off: New York and other states* 32 464 54 550 Florida - 2 - 2 Total recoveries 32 466 54 552 Net loans charged off (2 ) (126 ) 6 (122 ) Credit for loan losses (1,007 ) (4,387 ) (56 ) (5,450 ) Balance at end of period $ 3,135 $ 40,689 $ 443 $ 44,267 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of December 31, 2023 and 2022: As of December 31, 2023 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ - Collectively evaluated for impairment 2,735 45,625 218 48,578 Total ending allowance balance $ 2,735 $ 45,625 $ 218 $ 48,578 Loans: Individually evaluated for impairment $ 957 $ 23,628 $ 144 $ 24,729 Collectively evaluated for impairment 272,558 4,688,850 16,742 4,978,150 Total ending loans balance $ 273,515 $ 4,712,478 $ 16,886 $ 5,002,879 As of December 31, 2022 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ - Collectively evaluated for impairment 2,596 43,271 165 46,032 Total ending allowance balance $ 2,596 43,271 165 46,032 Loans: Individually evaluated for impairment $ 646 24,967 82 25,695 Collectively evaluated for impairment 230,365 4,464,916 12,225 4,707,506 Total ending loans balance $ 231,011 $ 4,489,883 $ 12,307 $ 4,733,201 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 statements of income. The Company’s activity in the allowance for credit losses on unfunded commitments were as follows: (In thousands) For the year ended December 31, 2023 Balance at January 1, 2023 $ 2,912 (Credit) provision for credit losses (1,250 ) Balance at December 31, 2023 $ 1,662 (In s) For the year ended December 31, Balance at January $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January $ 2,353 Provision for credit losses 559 Balance at December $ 2,912 Loan Credit Quality The Company categorizes commercial loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, the Company’s loan grading process analyzes non-homogeneous loans, such as commercial loans and commercial real estate loans, individually by grading the loans based on credit risk. The Company’s internal loan review department in accordance with the Company’s internal loan review policy tests the loan grades assigned to all loan types. The Company uses the following definitions for classified loans: Special Mention Substandard Doubtful Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be “pass” rated loans. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for credit losses on loans. The payment status of these homogeneous pools as of December and December is also included in the aging of the past due loans table. Nonperforming loans shown in the table below were loans on non-accrual status and loans over days past due and accruing. As of December and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: Loan Credit Quality (in s) As of December 31, Term Loans Amortized Cost Basis by Origination Year Commercial : 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 61,148 $ 82,339 $ 23,940 $ 16,653 $ 19,835 $ 41,153 $ 5,664 $ - $ 250,732 Special Mention - - - 42 - 225 - - 267 Substandard - - - - - 1,256 - - 1,256 Total Commercial Loans $ 61,148 $ 82,339 $ 23,940 $ 16,695 $ 19,835 $ 42,634 $ 5,664 $ - $ 252,255 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 7,873 $ 2,164 $ 1,933 $ 1,386 $ 321 $ 2,641 $ 4,482 $ - $ 20,800 Special mention - - - - - - 34 - 34 Substandard - - 328 - - 98 - - 426 Total Commercial Real Estate Loans $ 7,873 $ 2,164 $ 2,261 $ 1,386 $ 321 $ 2,739 $ 4,516 $ - $ 21,260 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residenti al First Mo Risk rating Performing $ 417,197 $ 565,601 $ 877,736 $ 732,798 $ 342,559 $ 1,354,867 $ 3,042 $ - $ 4,293,800 Nonperforming 64 210 383 229 1,119 11,300 - - 13,305 Total Mortgage: $ 417,261 $ 565,811 $ 878,119 $ 733,027 $ 343,678 $ 1,366,167 $ 3,042 $ - $ 4,307,105 Residential Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ 27 $ 336 $ - $ - $ 363 $ - $ - $ - $ - $ 27 $ 336 $ - $ - $ 363 Home Equity Loans: Risk rating Performing $ 9,660 $ 5,963 $ 7,770 $ 5,668 $ 6,542 $ 22,076 $ - $ - $ 57,679 Nonperforming - - - - - 279 - - 279 Total Home Equity Loans: $ 9,660 $ 5,963 $ 7,770 $ 5,668 $ 6,542 $ 22,355 $ - $ - $ 57,958 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 355 $ 641 $ 248 $ 75 $ 10 $ 15,964 $ 327,059 $ - $ 344,352 Nonperforming - - 8 56 - 2,813 186 - 3,063 Total Home Equity Credit Lines: $ 355 $ 641 $ 256 $ 131 $ 10 $ 18,777 $ 327,245 $ - $ 347,415 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 8 $ - $ - $ 8 $ - $ - $ - $ - $ - $ 8 $ - $ - $ 8 Installments: Risk rating Performing $ 8,473 $ 4,592 $ 1,484 $ 360 $ 198 $ 605 $ 1,008 $ - $ 16,720 Nonperforming - 49 51 - 63 3 - - 166 Total Installments $ 8,473 $ 4,641 $ 1,535 $ 360 $ 261 $ 608 $ 1,008 $ - $ 16,886 Installments Loans: Current-period Gross writeoffs $ 16 $ 67 $ 50 $ 1 $ 21 $ 21 $ - $ - $ 176 $ 16 $ 67 $ 50 $ 1 $ 21 $ 21 $ - $ - $ 176 Loan Credit Quality (in s) As of December Term Loans Amortized Cost Basis by Origination Year Commercial : 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 79,430 $ 29,991 $ 18,708 $ 22,790 $ 16,598 $ 32,666 $ 8,022 $ - $ 208,205 Special Mention - - 62 - 243 - - - 305 Substandard - - 113 - 128 1,171 - - 1,412 Total Commercial Loans $ 79,430 $ 29,991 $ 18,883 $ 22,790 $ 16,969 $ 33,837 $ 8,022 $ - $ 209,922 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 40 $ - $ - $ 40 $ - $ - $ - $ - $ - $ 40 $ - $ - $ 40 Commercial Other: Risk rating Pass $ 2,972 $ 2,848 $ 2,273 $ 590 $ 674 $ 2,348 $ 8,908 $ - $ 20,613 Special mention - - - - - - 39 - 39 Substandard - 339 - - - 98 - - 437 Total Commercial Real Estate Loans $ 2,972 $ 3,187 $ 2,273 $ 590 $ 674 $ 2,446 $ 8,947 $ - $ 21,089 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residenti al First Mo Risk rating Performing $ 557,981 $ 933,754 $ 784,511 $ 368,137 $ 257,926 $ 1,228,776 $ 1,472 $ - $ 4,132,557 Nonperforming - 496 81 844 351 12,573 - - 14,345 Total Mortgage: $ 557,981 $ 934,250 $ 784,592 $ 368,981 $ 258,277 $ 1,241,349 $ 1,472 $ - $ 4,146,902 Residential Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 5 $ - $ - $ 5 $ - $ - $ - $ - $ - $ 5 $ - $ - $ 5 Home Equity 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 December 31, 2023 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - $ - $ 521 $ 521 $ 212,233 $ 212,754 Other - 26 - 26 20,837 20,863 Real estate mortgage - 1 to 4 family: First mortgages 4,330 811 6,008 11,149 2,745,765 2,756,914 Home equity loans 20 138 157 315 43,837 44,152 Home equity lines of credit 591 135 1,499 2,225 210,073 212,298 Installment 6 18 95 119 11,938 12,057 Total $ 4,947 $ 1,128 $ 8,280 $ 14,355 $ 3,244,683 $ 3,259,038 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 $ - $ - $ - $ - $ 39,501 $ 39,501 Other - - 314 314 83 397 Real estate mortgage - 1 to 4 family: First mortgages 1,290 78 1,433 2,801 1,547,390 1,550,191 Home equity loans 73 6 - 79 13,727 13,806 Home equity lines of credit 184 - 56 240 134,877 135,117 Installment 16 - 60 76 4,753 4,829 Total $ 1,563 $ 84 $ 1,863 $ 3,510 $ 1,740,331 $ 1,743,841 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 $ - $ - $ 521 $ 521 $ 251,734 $ 252,255 Other - 26 314 340 20,920 21,260 Real estate mortgage - 1 to 4 family: First mortgages 5,620 889 7,441 13,950 4,293,155 4,307,105 Home equity loans 93 144 157 394 57,564 57,958 Home equity lines of credit 775 135 1,555 2,465 344,950 347,415 Installment 22 18 155 195 16,691 16,886 Total $ 6,510 $ 1,212 $ 10,143 $ 17,865 $ 4,985,014 $ 5,002,879 * 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 December and there were no loans that were days past due and still accruing interest. As a result, non-accrual loans include all loans days or more past due as well as certain loans less than days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or modified loans. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). Other real estate owned is included in Other assets on the Balance Sheet. As of December other real estate owned included of residential foreclosed properties. In addition, non-accrual residential mortgage loans that were in the process of foreclosure had an amortized cost of as of December As of December other real estate owned included of residential foreclosed properties. In addition, non-accrual residential mortgage loans that were in the process of foreclosure had an amortized cost of as of December Loans individually evaluated for impairment are non-accrual loans delinquent greater than days, non-accrual commercial loans, as well as loans classified as loan modifications. As of December there was no allowance for credit losses based on loans individually evaluated for impairment. Residential and installment non-accrual loans which are not loan modifications or greater than days delinquent are collectively evaluated to determine the allowance for credit loss. The following tables presents the amortized cost basis in non-accrual loans by portfolio segment as of December 31, 2023 and 2022: As of December 31, 2023 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 536 $ - $ 536 Other - 314 314 Real estate mortgage - 1 to 4 family: First mortgages 11,324 1,981 13,305 Home equity loans 235 44 279 Home equity lines of credit 2,816 247 3,063 Installment 151 15 166 Total non-accrual loans 15,062 2,601 17,663 Restructured real estate mortgages - 1 to 4 family 3 - 3 Total nonperforming loans $ 15,065 $ 2,601 $ 17,666 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 days still accruing as of December 31, 2023 and 2022: As of D ecember 31, (dollars in s) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance for Credit Loss Loans Past Due Over Days Still Accruing Commercial: Commercial real estate $ 536 $ - - Other 314 - - Real estate mortgage - to family: First mortgages 12,584 721 - Home equity loans 271 8 - Home equity lines of credit 2,395 668 - Installment 144 22 - Total loans, net $ 16,244 $ 1,419 - As of D ecember 31, (dollars in s) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance for Credit Loss Loans Past Due Over Days Still Accruing Commercial: Commercial real estate $ 160 $ 39 - Other 20 314 - Real estate mortgage - to family: First mortgages 13,502 843 - Home equity loans 129 66 - Home equity lines of credit 2,257 47 - Installment 82 24 - Total loans, net $ 16,150 $ 1,333 - The non-accrual balance of disclosed above was collectively evaluated and the associated allowance for credit losses on loans was not material as of December A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. Expected credit losses for the collateral dependent loans are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of December 2023 and : As of December 31, 2023 Type of Collateral (dollars in s) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 643 - - Other 314 - - Real estate mortgage - to family: First mortgages 20,018 - - Home equity loans 371 - - Home equity lines of credit 3,239 - - Installment 144 - - Total $ 24,729 - - As of December 31, 2022 Type of Collateral (dollars in s) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 312 - - Other 334 - - Real estate mortgage - to family: First mortgages 21,467 - - Home equity loans 236 - - Home equity lines of credit 3,264 - - Installment 82 - - Total $ 25,695 - - The Company has not committed to lend additional amounts to customers with outstanding loans that are modified. Interest income recognized on loans that are individually evaluated was not material during the years ended December 31, 2023, 2022 and 2021. A loan for which the terms have been modified, and for which a borrower is experiencing financial difficulties, is considered a loan modification and is classified as individually evaluated. Loan modifications at December 31, 2023 are measured at the amortized cost using the loan’s effective rate at inception or fair value of the underlying collateral if the loan is considered collateral dependent. As of December loans individually evaluated included approximately 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 December 31, 2023 that were both experiencing financial difficulty and modified during the year ended December 31, 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 year ended December 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 895 0.03 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 945 0.03 % 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 338 0.02 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 338 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 1,233 0.03 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 1,283 0.03 % * 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 December 31, 2023: As of December 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 691 152 - 52 895 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 741 $ 152 $ - $ 52 $ 945 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 338 - - - 338 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 338 $ - $ - $ - $ 338 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 1,029 152 - 52 1,233 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 1,079 $ 152 $ - $ 52 $ 1,283 * 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 year ended December 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 21 Home equity loans - Home equity lines of credit 18 Installment - Total $ 39 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 45 Home equity loans - Home equity lines of credit 18 Installment - Total $ 63 * Includes New York, New Jersey, Vermont and Massachusetts. As of December 31, 2023, all loans both experiencing financial difficulty and modified during the year ended December 31, 2023 were current under the terms of the agreements. There were no commitments to lend additional funds to the borrowers and there were no no no

Bank Premises and Equipment

Bank Premises and Equipment	12 Months Ended
	Dec. 31, 2023
Bank Premises and Equipment [Abstract]
Bank Premises and Equipment	(5) Bank Premises and Equipment A summary of premises and equipment at December 31, 2023 and 2022 follows: (dollars in thousands) 2023 2022 Land $ 2,444 $ 2,426 Buildings 36,347 36,260 Furniture, fixtures and equipment 62,901 60,320 Leasehold improvements 36,418 34,860 Total bank premises and equipment 138,110 133,866 Accumulated depreciation and amortization (104,104 ) (101,310 ) Total $ 34,007 $ 32,556 Depreciation and amortization expense was approximately $4.1 million, $4.1 million, and $4.2 million for the years 2023, 2022, and 2021, respectively. Occupancy expense of the Bank’s premises included rental expense of $8.2 million in 2023 and 2022 and $8.1 million in 2021.

Deposits

Deposits	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Deposits	(6) Deposits Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2023 2022 2021 Interest bearing checking accounts $ 382 $ 190 $ 178 Savings accounts 2,531 920 624 Time deposits and money market accounts 50,439 4,617 5,863 Total $ 53,352 $ 5,727 $ 6,665 At December 31, 2023, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 1,715,122 1 to 2 years 26,971 2 to 3 years 1,122 3 to 4 years 91,716 4 to 5 years 1,061 Over 5 years 32 $ 1,836,024 Included in total time deposits as of December 31, 2023 and 2022 is $ 474.4 million and $250.0 million in time deposits with balances in excess of $250,000.

Borrowings

Borrowings	12 Months Ended
	Dec. 31, 2023
Borrowings [Abstract]
Borrowings	(7) Borrowings Short-term borrowings (repurchase agreements) of the Company were cash management accounts as follows: (dollars in thousands) 2023 2022 2021 Amount outstanding at December 31, $ 88,990 $ 122,700 $ 244,686 Maximum amount outstanding at any month end 134,293 253,219 244,686 Average amount outstanding 114,639 177,599 232,815 Weighted average interest rate: For the year 0.88 % 0.42 % 0.39 % As of year end 0.86 0.86 0.37 Cash management accounts represent retail accounts with customers for which the Bank has pledged certain assets as collateral. As of December 31, 2023 the Company also has borrowing capacity of $938.6 million available with the Federal Home Loan Bank of New York. The borrowings capacity is secured by the loans pledged by the Company. As of December 31, 2023 and 2022, the Company had no outstanding borrowings with the Federal Home Loan Bank of New York.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2023
Income Taxes [Abstract]
Income Taxes	(8) Income Taxes A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2023 2022 2021 Current tax expense: Federal $ 15,224 $ 17,136 $ 17,657 State 1,587 2,933 3,195 Total current tax expense 16,811 20,069 20,852 Deferred tax (benefit) expense 2,156 4,114 (238 ) Total income tax expense $ 18,967 $ 24,183 $ 20,614 The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2023 and 2022, are as follows: As of December 31, (dollars in thousands) 2023 2022 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (9,490 ) $ (8,478 ) Difference in reporting the allowance for credit losses, net 12,995 12,424 Other income or expense not yet reported for tax purposes (1,188 ) 420 Depreciable assets (2,496 ) (2,389 ) Net deferred tax (liability) asset at end of year (179 ) 1,977 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) - 1,218 Net deferred tax asset at beginning of year 1,977 4,873 Deferred tax expense $ 2,156 $ 4,114 Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. Based primarily on the sufficiency of expected future taxable income, management believes it is more likely than not that the remaining deferred tax (liability) asset of $179 thousand and $2.0 million at December 31, 2023 and 2022, respectively, will be realized. In addition to the deferred tax items described in the preceding table, the Company has deferred tax assets of $8.4 million and $11.3 million at December 31, 2023 and 2022, respectively, relating to the net unrealized losses on securities available for sale and deferred tax liabilities of approximately $3.7 million and $1.8 million at December 31, 2023 and 2022, respectively, as a result of changes in the unrecognized overfunded position in the Company’s pension and postretirement benefit plans recorded, net of tax, as an adjustment to accumulated other comprehensive income. The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the year ended December 31, 2023 2022 2021 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % Increase/(decrease) in taxes resulting from: State income tax, net of federal tax benefit 3.1 3.0 3.2 Other items 0.3 0.3 0.9 Effective income tax rate 24.4 % 24.3 % 25.1 % On a periodic basis, the Company evaluates its income tax positions based on tax laws and regulations and financial reporting considerations, and records adjustments as appropriate. This evaluation takes into consideration the status of taxing authorities’ current examinations of the Company’s tax returns, recent positions taken by the taxing authorities on similar transactions, if any, and the overall tax environment in relation to uncertain tax positions. As of December 31, 2023 and 2022, no uncertain tax positions have been recorded. The Company does not anticipate a material charge to the amount of unrecognized tax benefits in the next twelve months. The Company recognizes interest and/or penalties related to income tax matters in noninterest expense. For the years 2023, 2022, and 2021, these amounts were not material. The Company and its subsidiaries file income tax returns in the U.S. federal jurisdiction as well as in various states. In the normal course of business, the Company is subject to U.S. federal, state, and local income tax examinations by tax authorities. The Company’s federal and state income tax returns for the years 2020 2023

Benefit Plans

Benefit Plans	12 Months Ended
	Dec. 31, 2023
Benefit Plans [Abstract]
Benefit Plans	(9) Benefit Plans (a) Retirement Plan The Company maintains a trusteed non-contributory pension plan covering employees that have completed one year of employment and 1,000 hours of service while the plan was in effect. This plan was frozen as of December 31, 2006. The benefits are based on the sum of (a) a benefit equal to a prior service benefit plus the average of the employees’ highest five consecutive years’ compensation in the ten years preceding retirement multiplied by a percentage of service after a specified date plus (b) a benefit based upon career average compensation. The amounts contributed to the plan are determined annually on the basis of (a) the maximum amount that can be deducted for federal income tax purposes or (b) the amount certified by a consulting actuary as necessary to avoid an accumulated funding deficiency as defined by the Employee Retirement Income Security Act of 1974. Contributions are intended to provide for benefits attributed to service to date. Assets of the plan are administered by Trustco Bank’s Financial Services Department. The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2023 and 2022: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2023 2022 Projected benefit obligation at beginning of year $ 23,042 $ 30,905 Interest cost 1,213 888 Benefit payments and expected expenses (1,741 ) (1,823 ) Net actuarial loss (gain) 645 (6,928 ) Projected benefit obligation at end of year $ 23,159 $ 23,042 Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2023 2022 Fair Value of plan assets at beginning of year $ 52,673 $ 63,066 Actual gain (loss) on plan assets 8,747 (8,532 ) Benefit payments and actual expenses (1,779 ) (1,861 ) Fair value of plan assets at end of year 59,641 52,673 Funded status at end of year $ 36,482 $ 29,631 Amounts recognized in accumulated other comprehensive income (loss) consist of the following as of: December 31, 2023 2022 Net actuarial loss (gain) $ 6,550 $ 1,170 The accumulated benefit obligation was $23.2 million and $23.0 million at December 31, 2023 and 2022, respectively. Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss): For the years ended December 31, (dollars in thousands) 2023 2022 2021 Service cost $ - $ - $ - Interest cost 1,213 888 856 Expected return on plan assets (2,684 ) (3,227 ) (2,846 ) Net periodic pension credit (1,471 ) (2,339 ) (1,990 ) Amortization of net loss - - - Net actuarial (gain) loss included in other comprehensive income (loss) (5,380 ) 4,869 (7,439 ) Total recognized in other comprehensive income (loss) (5,380 ) 4,869 (7,439 ) Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss) $ (6,851 ) $ 2,530 $ (9,429 ) Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2024 $ 1,706 2025 1,721 2026 1,746 2027 1,747 2028 1,794 2029 - 2033 8,715 The assumptions used to determine benefit obligations at December 31 are as follows: 2023 2022 2021 Discount rate 5.18 % 5.44 % 2.96 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2023 2022 2021 Discount rate 5.44 % 2.96 % 2.65 % Expected long-term rate of return on assets 5.25 5.25 5.25 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. (b) Supplemental Retirement Plan The Company also has a supplementary pension plan under which additional retirement benefits are accrued for eligible executive officers. This plan supplements the defined benefit retirement plan for eligible employees that exceed the Internal Revenue Service limit on the amount of pension payments that are allowed from a retirement plan. The supplemental plan provides eligible employees with total benefit payments as calculated by the retirement plan without regard to this limitation. Benefits under this plan are calculated using the same actuarial assumptions and interest rates as used for the retirement plan calculations. The accumulated benefits under this supplementary pension plan was approximately $2.4 million and $2.3 million as of December 31, 2023 and 2022, respectively. Effective as of December 31, 2008, this plan has been frozen and no additional benefits will accrue. Instead, the amount of the Company’s annual contribution to the plan plus interest is paid directly to each eligible employee. The expense recorded for this plan was $2.9 million in 2023 and $2.7 million in 2022. Rabbi trusts have been established for this plan. These trust accounts are administered by the Trustco Financial Services Department and invest primarily in bonds issued by government-sponsored enterprises and money market instruments. These assets are recorded at their fair value and are included in short-term investments in the Consolidated Statements of Condition. As of December 31, 2023 and 2022, the trusts had assets totaling $2.4 million and $2.3 million, respectively. (c) Postretirement Benefits The Company permits retirees under age 65 to participate in the Company’s medical plan by making certain payments. In addition, the plan provides a death benefit to certain eligible employees and retirees. In 2003, the Company amended the medical plan to reflect changes to the retiree medical insurance coverage portion. The Company’s subsidy of the retiree medical insurance premiums was eliminated at that time. The Company continues to provide postretirement medical benefits for a limited number of executives in accordance with their employment contracts. The following tables show the plan’s funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2023 and 2022: Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2023 2022 Accumulated benefit obligation at beginning of year $ 4,893 $ 7,016 Service cost 11 18 Interest cost 271 207 Prior Service cost - - Benefits paid (74 ) (72 ) Net actuarial loss (gain) 527 (2,276 ) Accumulated benefit obligation at end of year $ 5,628 $ 4,893 Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2023 2022 Fair value of plan assets at beginning of year $ 28,988 $ 33,344 Actual gain (loss) on plan assets 4,260 (4,341 ) Company contributions 50 57 Benefits paid and actual expenses (74 ) (72 ) Fair value of plan assets at end of year 33,224 28,988 Funded status at end of year $ 27,596 $ 24,095 Amounts recognized in accumulated other comprehensive income consist of the following as of: (dollars in thousands) December 31, 2023 2022 Net actuarial gain $ (7,912 ) $ (5,760 ) Prior service cost 68 81 Total $ (7,844 ) $ (5,679 ) The accumulated benefit obligation was $5.6 million and $4.9 million at December 31, 2023 and 2022, respectively. Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) December 31, 2023 2022 2021 Service cost $ 11 $ 18 $ 75 Interest cost 271 207 190 Expected return on plan assets (1,157 ) (1,332 ) (1,163 ) Amortization of net actuarial gain (423 ) (1,008 ) (674 ) Amortization of prior service cost (credit) 13 (313 ) 405 Net periodic benefit credit (1,285 ) (2,428 ) (1,167 ) Net loss (gain) (2,575 ) 3,397 (3,469 ) Amortization of prior service credit (cost) (13 ) 313 (405 ) Prior service cost - - 611 Amortization of net gain 423 1,008 674 Total amount recognized in other comprehensive loss (2,165 ) 4,718 (2,589 ) Total amount recognized in net periodic benefit cost and other comprehensive loss $ (3,450 ) $ 2,290 $ (3,756 ) The estimated amount of net gain that will be amortized from accumulated other comprehensive income (loss) into net periodic benefit income over the next fiscal year is approximately $734 thousand. The estimated amount of prior service cost that will be amortized from accumulated other comprehensive income (loss) into net periodic benefit income (loss) over the next fiscal year is approximately $13 thousand. Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2024 $ 132 2025 160 2026 199 2027 229 2028 270 2029 - 2033 1,717 The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2023 2022 2021 Discount rate 5.18 % 5.44 % 2.96 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2023 2022 2021 Discount rate 5.44 % 2.96 % 2.65 % Expected long-term rate of return on assets, net of tax 4.00 4.00 4.00 The annual rate assumption used for purposes of computing the service and interest costs components is determined based upon factors including the yields on high quality corporate bonds and other appropriate yield curves along with analysis prepared by the Company’s actuaries. (d) Components of Accumulated Other Comprehensive Income (Loss) Related to Retirement and Postretirement Benefit Plans The following table details the change in the components of other comprehensive income (loss) related to the retirement plan and the postretirement benefit plan, at December 31, 2023 and 2022, respectively: (dollars in thousands) December 31, 2023 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (5,380 ) $ (2,575 ) $ (7,955 ) Amortization of net actuarial gain - 423 423 Amortization of prior service credit - (13 ) (13 ) Total $ (5,380 ) $ (2,165 ) $ (7,545 ) December 31, 2022 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ 4,869 $ 3,397 $ 8,266 Prior service cost - - - Amortization of net actuarial gain - 1,008 1,008 Amortization of prior service cost - 313 313 Total $ 4,869 $ 4,718 $ 9,587 (e) Major Categories of Pension and Postretirement Benefit Plan Assets: The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2023 2022 2023 2022 Debt Securities 34 % 30 % 27 % 29 % Equity Securities 63 59 61 57 Other 3 11 12 14 Total 100 % 100 % 100 % 100 % The expected long-term rate-of-return on plan assets, noted in sections (a) and (b) above, reflects long-term earnings expectations on existing plan assets. In estimating that rate, appropriate consideration was given to historical returns earned by plan assets and the rates of return expected to be available for reinvestment. Rates of return were adjusted to reflect current capital market assumptions and changes in investment allocations. The Company’s investment policies and strategies for the pension benefit and postretirement benefit plans prescribe a target allocation of 50% to 70% equity securities, 25% to 40% debt securities, and 0% to 10% for other securities for the asset categories. The Company’s investment goals are to maximize returns subject to specific risk management policies. Its risk management policies permit direct investments in equity and debt securities and mutual funds while prohibiting direct investment in derivative financial instruments. The Company addresses diversification by the use of mutual fund investments whose underlying investments are in domestic and international debt and equity securities. These mutual funds are readily marketable and can be sold to fund benefit payment obligations as they become payable. Fair Value of Plan Assets: Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date. The Company used the following methods and significant assumptions to estimate the fair value of each type of financial instrument: Equity mutual funds, Fixed Income mutual funds and Debt Securities : The fair values for investment securities are determined by quoted market prices, if available (Level 1). For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2). The fair value of the plan assets at December 31, 2023 and 2022, by asset category, is as follows: Fair Value Measurements at December 31, 2023 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 1,811 $ 1,811 $ - $ - Equity mutual funds 37,615 37,615 - - U.S. government sponsored enterprises 19,674 - 19,674 - Corporate bonds - - - - Fixed income mutual funds 541 541 - - Total Plan Assets $ 59,641 $ 39,967 $ 19,674 $ - Fair Value Measurements at December 31, 2023 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 3,986 $ 3,986 $ - $ - Equity mutual funds 20,236 20,236 - - U.S. government sponsored enterprises 9,002 - 9,002 - Total Plan Assets $ 33,224 $ 24,222 $ 9,002 $ - Fair Value Measurements at December 31, 2022 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 5,734 $ 5,734 $ - $ - Equity mutual funds 30,972 30,972 - - U.S. government sponsored enterprises 15,423 - 15,423 - Corporate bonds - - - - Fixed income mutual funds 544 544 - - Total Plan Assets $ 52,673 $ 37,250 $ 15,423 $ - Fair Value Measurements at December 31, 2022 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 3,945 $ 3,945 $ - $ - Equity mutual funds 16,646 16,646 - - U.S. government sponsored enterprises 8,397 - 8,397 - Corporate bonds - - - - Total Plan Assets $ 28,988 $ 20,591 $ 8,397 $ - At December 31, 2023 and 2022, the majority of the equity mutual funds included in the plan assets of the retirement plan and postretirement benefit plan consist of large-cap index funds, while the remainder of the equity mutual funds consists of mid ‑ ‑ There were no transfers between Level 1 and Level 2 in 2023 and 2022. The Company made no contributions to its pension and postretirement benefit plans in 2023 or 2022. The Company does not expect to make any contributions to its pension and postretirement benefit plans in 2024. (f) Incentive and Bonus Plans During 2006, the Company amended its profit sharing plan to include a 401(k) feature. Under the 401(k) feature, the Company matches 100% of the aggregate salary contribution up to the first 3% of compensation and 50% of the aggregate contribution of the next 3%. No profit sharing contributions were made in 2023, 2022 or 2021 but were replaced with Company contributions to the 401(k) feature of the plan. Expenses related to the plan equaled $1.4 million for 2023 and $1.3 million for 2022 and 2021. The Company also has an officers and executive incentive plan. The expense of these plans generally are based on the Company’s performance and estimated distributions to participants are accrued during the year and generally paid in the following year. The expense recorded for this plan was $2.3 million, $1.3 million and $3.2 million in 2023, 2022 and 2021, respectively. The Company has also awarded 291 thousand performance bonus units to the executive officers and directors. These units become vested and exercisable only under a change of control as defined in the plan. The units were awarded based upon the stock price at the time of grant and, if exercised under a change of control, allow the holder to receive the increase in value offered in the exchange over the stock price at the date of grant for each unit, if any. As of December 31, 2023, the weighted average strike price of each unit was $44.37. (g) Stock-Based Compensation Plans-Equity Awards Equity awards are types of stock-based compensation that are to be settled in shares. As such, the amount of compensation expense to be paid at the time of settlement is included in surplus in the Consolidated Statement of Condition. In May 2019, shareholders of the Company approved the TrustCo Bank Corp NY 2019 Equity Incentive Plan (“2019 Equity Incentive Plan”) which replaced and combined into one plan both the Amended and Restated TrustCo Bank Corp NY 2010 Equity Incentive Plan (“2010 Equity Incentive Plan”) and the Amended and Restated TrustCo Bank Corp NY 2010 Directors Equity Incentive Plan (“Directors Plan”), and all remaining shares eligible for issuance thereunder were canceled. Awards previously made under the prior plans remain in effect in accordance with the terms of those awards. The shareholders of the Company subsequently approved the amendment and restatement of the 2019 Equity Incentive Plan (“A&R 2019 Equity Incentive Plan”) in May 2023. Under the A&R 2019 Equity Incentive Plan, the Company may provide for the issuance of 700,000 shares of our common stock which is available for issuance pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based), to eligible employees and directors. This allotment of shares includes the authorized but unissued shares remaining available for issuance under the 2010 Equity Incentive Plan and the Directors Plan. As of December 31, 2023, the Company did not issue any shares of our common stock pursuant to options, SARs, restricted stock, and restricted stock units (both time based and performance based) The Company did, however, grant restricted stock units (both time based and performance based) to certain officers in November 2023 that will settle in shares of common stock upon vesting as described below. Under the A&R 2019 Equity Incentive Plan, the exercise price of each option may not be less than 100% of the fair value of the Company’s stock on the date of grant, and for an Incentive Stock Option (ISO) granted to a ten-percent , from the date the options were granted. A summary of the status of TrustCo’s stock option awards as of December 31, 2023 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2023 76,853 $ 34.48 New options awarded - 2023 - - Expired options - 2023 (29,312 ) 35.23 Options forfeited - 2023 - - Exercised options - 2023 - - Balance, December 31, 2023 47,541 $ 34.01 1.41 years Exercisable Options Balance, December 31, 2023 47,541 $ 34.01 1.41 years At December 31, 2023, the intrinsic value of stock options was of no value. All outstanding options were vested as of December 31, 2023 During 2023 there was shares of stock were exercised. There were 10 stock options exercised in 2021. The intrinsic value and related tax benefits of stock options exercised in these years was not material. It is the Company’s policy to generally issue stock upon stock option exercises from previously unissued shares of common stock or treasury shares Income tax benefits recognized in the accompanying Consolidated Statements of Income related to stock-based compensation were not materia l. Valuation of Stock-Based Compensation: The fair value of the Company’s employee and director stock options granted is estimated on the measurement date, which, for the Company, is the date of grant. The Company did not grant new stock option awards in 2023, 2022, or 2021. There was no stock-based compensation expense for stock options recognized in 2023,2022, and 2021. In November 2023, the Company granted 68,293 of stock awards to executive officers of the company. The stock price was the fair value as of the date of the grant. The awards include performance -based and service-based awards and generally vest over three years. Stock-based compensation expense for these awards was $103 thousand as of December 31, 2023. Unrecognized stock-based compensation expense as of December 31, 2023 was $1.7 million and is expected to be recognized over the next 2.9 years. (h) Stock-Based Compensation Plans-Liability Awards Liability awards are types of compensation that are settled in cash (not shares). As such, the amount of compensation expense to be paid at the time of settlement is included in accrued expenses and other liabilities in the Consolidated Statement of Condition. The Company granted both service-based and performance based liability awards in 2023, 2022 and 2021. The activity for service-based awards during 2023 was as follows: Restricted share units Outstanding Units Balance, December 31, 2022 83,228 New cash settled awards granted 26,567 Forfeited awards (2,792 ) Awards settled (42,852 ) Balance, December 31, 2023 64,151 Service-Based Awards: During 2023 and 2022, the Company issued restricted share units to certain eligible officers, executives and members of its board of directors. The restricted share units do not hold voting powers, and are not eligible for common stock dividends. Depending on the year of the grant the awards either become 100% vested after one year, or vest in whole units in equal installments from the first through the third year following the award date. Upon issuance, the fair value of these awards is the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based on the fair value of the Company’s stock. During 2023, 2022 and 2021, the Company recognized $1.1 million, $1.6 million and $1.2 million, respectively, in compensation expense related to these awards. Unrecognized compensation expense related to the outstanding restricted share units totaled approximately $1.8 million at December 31, 2023. During of the awards granted in and became vested and settled. The liability related to service-based liability awards was approximately $202 thousand and $278 thousand at December 31, 2023 and 2022, respectively, and is included in Accrued expense and other liabilities on the Consolidated Statements of Condition. The activity for performance-based awards during 2023 was as follows: Performance share units Outstanding Units Balance, December 31, 2022 155,633 New cash settled awards granted 22,476 Forfeited awards - Awards settled (42,443 ) Balance, December 31, 2023 135,666 Performance Based Awards: During 2023, 2022 and 2021, the Company issued performance share units to certain eligible officers and executives. These units do not hold voting powers, are not eligible for common stock dividends, and become 100% vested after three years based upon a cliff-vesting schedule and the satisfaction of performance metrics. Upon issuance, fair value of these units was the fair value of the Company’s common stock on the grant date. Thereafter, the amount of compensation expense recognized is based upon the Company’s achievement of certain performance criteria in accordance with Plan provisions as well as the fair value of the Company’s stock. For units granted in 2020, those have been fully vested and unpaid. For units granted subsequent to 2020, all of the units are unvested as of December 31, 2023, and the Company expects to meet the required performance criteria of the awards. During 2023, 2022 and 2021, the Company recognized approximately $1.5 million, $1.3 million and $1.8 thousand, respectively, in compensation expense related to these units. Unrecognized compensation expense related to the outstanding performance share units totaled $1.4 million at December 31, 2023. The weighted average period over which the unrecognized expense is expected to be recognized was approximately 21 months as of December 31, 2023. The liability related to performance based liability awards totaled $3.5 million and $3.6 million at December 31, 2023 and 2022, respectively, and is included in Accrued expense and other liabilities on the Consolidated Statements of Condition.

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2023
Commitments and Contingent Liabilities [Abstract]
Commitments and Contingent Liabilities	(10) Commitments and Contingent Liabilities (a) Litigation In the normal course of business, TrustCo and Trustco Bank become involved in a variety of routine legal proceedings. At present, there are no legal proceedings pending or threatened, which in the opinion of management and counsel, would result in a material loss to TrustCo or Trustco Bank: Like many banks, Trustco Bank has been subject to putative class-action claims alleging improper overdraft practices. Trustco Bank has reached an agreement to settle all claims thus asserted. That settlement agreement, which is subject to court approval, calls for the creation of a fund (“Fund”) to be overseen by a court-supervised administrator that will determine which Trustco Bank customers and former customers meet the criteria for participation in the settlement. That administrator also will distribute the Fund on a pro rata basis to eligible customers and former customers. The fees of the plaintiffs’ attorneys and other expenses also will be paid out of the Fund. The total liability of TrustCo and Trustco Bank in connection with this settlement will be $2.75 million. The Company has accrued for this amount as of December 31, 2023. (b) Outsourced Services The Company contracted with third-party service providers to perform certain banking functions. The outsourced services include data and item processing for the Bank and trust operations. The service expense can vary based upon the volume and nature of transactions processed. Outsourced service expense was $10.0 million for 2023, $9.2 million for 2022 and $8.4 million in 2021. The Company is contractually obligated to pay these third -party service providers approximately $9 million to $10 million per year through 2025.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Earnings Per Share	(11) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share Determining Whether Instruments Granted in Share-Based Payment Transactions Are Participating Securities A reconciliation of the component parts of earnings per share for 2023, 2022, and 2021 follows: (dollars in thousands, except per share data) For the years ended December 31, 2023 2022 2021 Net income $ 58,646 $ 75,234 $ 61,519 Weighted average common shares 19,024 19,131 19,259 Effect of dilutive common stock options 1 2 4 Weighted average common shares including potential dilutive shares 19,025 19,133 19,263 Basic EPS $ 3.08 $ 3.93 $ 3.19 Diluted EPS $ 3.08 $ 3.93 $ 3.19 For the years ended December and there were and thousand, respectively, of antidilutive stock options excluded from diluted earnings per share

Off-Balance Sheet Financial Ins

Off-Balance Sheet Financial Instruments	12 Months Ended
	Dec. 31, 2023
Off-Balance Sheet Financial Instruments [Abstract]
Off-Balance Sheet Financial Instruments	(12) Off-Balance Sheet Financial Instruments Loan commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require a fee. Commitments sometimes expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. These arrangements have credit risk essentially the same as that involved in extending loans to customers and are subject to the Bank’s normal credit policies, including obtaining collateral. The Bank’s maximum exposure to credit loss for loan commitments, including unused lines of credit, at December 31, 2023 and 2022, was $596.8 million and $535.4 million, respectively. Approximately 71% and 74% of these commitments were for variable rate products at the end of 2023 and 2022, respectively. The Company does not issue any guarantees that require liability-recognition or disclosure, other than its standby letters of credit. The Company has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party. Standby letters of credit generally arise in connection with lending relationships. The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers. Contingent obligations under standby letters of credit totaled approximately $4.8 Million and $5.3 million at December 31, 2023 and 2022, and represent the maximum potential future payments the Company could be required to make. Typically, these instruments have terms of 12 months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements. Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments. Company policies governing loan collateral apply to standby letters of credit at the time of credit extension. Loan‑to‑value ratios are generally consistent with loan‑to‑value requirements for other commercial loans secured by similar types of collateral. The fair value of the Company’s standby letters of credit at December 31, 2023 and 2022 was insignificant. No losses are anticipated as a result of loan commitments or standby letters of credit.

Fair Value

Fair Value	12 Months Ended
	Dec. 31, 2023
Fair Value [Abstract]
Fair Value	(13) Fair Value Fair value measurements (ASC 820) defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices or similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Individually Evaluated Loans Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2023 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 118,668 $ - $ 118,668 $ - State and political subdivisions 26 - 26 - Mortgage backed securities and collateralized mortgage obligations - residential 237,677 - 237,677 - Corporate bonds 78,052 - 78,052 - Small Business Administration - guaranteed participation securities 17,186 - 17,186 - Other 680 - 680 - Total securities available for sale $ 452,289 $ - $ 452,289 $ - Fair Value Measurements at December 31, 2022 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 118,187 $ - $ 118,187 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 260,316 - 260,316 - Corporate bonds 81,346 - 81,346 - Small Business Administration - guaranteed participation securities 20,977 - 20,977 - Other 653 - 653 - Total securities available for sale $ 481,513 $ - $ 481,513 $ - There were no transfers between Level 1 and Level 2 in 2023 and 2022. Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2023 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 194 $ - $ - $ 194 Sales comparison approach Adjustments for differences between comparable sales 0% - 39% (20 %) Individually evaluated loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach Adjustments for differences between comparable sales N/A Fair Value Measurements at December 31, 2022 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 2,061 $ - $ - $ 2,061 Sales comparison approach Adjustments for differences between comparable sales 2% - 47% (18 %) Individually evaluated loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach Adjustments for differences between comparable sales N/A Other real estate owned, which is carried at fair value less costs to sell, was approximately $194 thousand at December 31, 2023, and consisted of only residential real estate properties. A valuation charge of $143 thousand is included in earnings for the year ended December 31, 2023. Of the total individually evaluated loans of $24.7 million at December 31, 2023, 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, 2023. There were no gross charge-offs related to residential impaired loans included in the table above. Other real estate owned, which is carried at fair value less costs to sell, was approximately $2.1 million at December 31, 2022, and consisted of only residential real estate properties. A valuation charge of $68 thousand is included in earnings for the year ended December 31, 2022. Of the total individually evaluated loans of $25.7 million at December 31, 2022, there are no loans that were collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2022. There were no gross charge-offs related to residential impaired loans included in the table above. In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2023 and 2022 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2023 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 578,004 578,004 - - 578,004 Securities available for sale 452,289 - 452,289 - 452,289 Held to maturity securities 6,458 - 6,396 - 6,396 Federal Reserve Bank and Federal Home Loan Bank stock 6,203 N/A N/A N/A N/A Net loans 4,954,301 - - 4,422,027 4,422,027 Accrued interest receivable 13,683 234 1,920 11,529 13,683 Financial liabilities: Demand deposits 754,532 754,532 - - 754,532 Interest bearing deposits 4,596,245 2,760,221 1,819,789 - 4,580,010 Short-term borrowings 88,990 - 88,990 - 88,990 Accrued interest payable 3,612 256 3,356 - 3,612 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2022 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 650,599 650,599 - - 650,599 Securities available for sale 481,513 - 481,513 - 481,513 Held to maturity securities 7,707 - 7,580 - 7,580 Federal Reserve Bank and Federal Home Loan Bank stock 5,797 N/A N/A N/A N/A Net loans 4,687,169 - - 4,328,508 4,328,508 Accrued interest receivable 11,492 189 1,866 9,437 11,492 Financial liabilities: Demand deposits 838,147 838,147 - - 838,147 Interest bearing deposits 4,354,663 3,325,900 1,012,528 - 4,338,428 Short-term borrowings 122,700 - 122,700 - 122,700 Accrued interest payable 602 60 542 - 602

Regulatory Capital Requirements

Regulatory Capital Requirements	12 Months Ended
	Dec. 31, 2023
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(14) Regulatory Capital Requirements Depository institutions and their holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy rules and regulations involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can result in regulatory action. The capital rules include a capital conservation buffer of 2.5% that is designed to absorb losses during periods of economic stress and to require increased capital levels before capital distributions and certain other payments can be made. Failure to meet the full amount of the buffer will result in restrictions on capital distributions, including dividend payments and stock repurchases, and to pay discretionary bonuses to executive officers. For regulatory capital purposes, the ratios exclude the impact of accumulated other comprehensive income (loss). As of December 31, 2023, the Company and Bank meet all capital adequacy requirements to which they are subject and reported capital in levels that exceeded the capital conservation buffer Prompt corrective action regulations, to which banks, but not their holding companies, are subject, provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized. If a bank is not classified as well capitalized, its ability to accept brokered deposits is restricted. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of December 31, 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 following is a summary of actual capital amounts and ratios as of December 31, 2023 and 2022, for Trustco Bank: As of December 31, 2023 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 636,327 10.428 % 5.000 % 4.000 % Common equity Tier 1 capital 636,327 18.280 6.500 7.000 Tier 1 risk-based capital 636,327 18.280 8.000 8.500 Total risk-based capital 679,924 19.532 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 The following is a summary of actual capital amounts and ratios as of December 31, 2023 and 2022 for TrustCo on a consolidated basis. As of December 31, 2023 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 657,968 10.780 % 4.000 % Common equity Tier 1 capital 657,968 18.896 7.000 Tier 1 risk-based capital 657,968 18.896 8.500 Total risk-based capital 701,577 20.149 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 December 31, 2023 and 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2023
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	(15) Accumulated Other Comprehensive Income The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: December 31, 2023 (dollars in thousands) Balance at 12/31/2022 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2023 Balance at 12/31/2023 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (32,271 ) $ 8,372 $ - $ 8,372 $ (23,899 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 5,888 - 5,888 13,476 Net change in net actuarial gain and prior service cost on pension and pension and postretirement benefit plans, net of tax (2,511 ) - (303 ) (303 ) (2,814 ) Accumulated other comprehensive (loss) income, net of tax $ (27,194 ) $ 14,260 $ (303 ) $ 13,957 $ (13,237 ) December 31, 2022 (dollars in thousands) Balance at 12/31/2021 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2022 Balance at 12/31/2022 Net unrealized holding gain on securities available for sale, net of tax $ (26 ) $ (32,245 ) $ - $ (32,245 ) $ (32,271 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 (6,118 ) - (6,118 ) 7,588 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,533 ) - (978 ) (978 ) (2,511 ) Accumulated other comprehensive income (loss), net of tax $ 12,147 $ (38,363 ) $ (978 ) $ (39,341 ) $ (27,194 ) December 31, 2021 (dollars in thousands) Balance at 12/31/2020 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2021 Balance at 12/31/2021 Net unrealized holding (loss) gain on securities available for sale, net of tax $ 7,186 $ (7,212 ) $ - $ (7,212 ) $ (26 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 7,622 - 7,622 13,706 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,334 ) - (199 ) (199 ) (1,533 ) Accumulated other comprehensive income, net of tax $ 11,936 $ 410 $ (199 ) $ 211 $ 12,147 The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021: (dollars in thousands) Years ended December 31, 2023 2022 2021 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain 423 1,008 674 Salaries and employee benefits Amortization of prior service (cost) credit (13 ) 313 (405 ) Salaries and employee benefits Income tax benefit (107 ) (343 ) (70 ) Income taxes Net of tax 303 978 199 Total reclassifications, net of tax $ 303 $ 978 $ 199

Revenue from Contracts with Cus

Revenue from Contracts with Customers	12 Months Ended
	Dec. 31, 2023
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	(16) Revenue from Contracts with Customers All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within Non-Interest Income. The following table presents the Company’s sources of Non-Interest Income for the years ended December 31, 2023, 2022 and 2021. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) December 31, 2023 2022 2021 Non-interest income Service Charges on Deposits Overdraft fees $ 2,939 $ 2,708 $ 2,660 Other 2,110 2,044 1,940 Interchange Income 5,819 6,348 5,281 Wealth management fees 6,425 7,037 7,358 Other (a) 1,022 1,123 698 Total non-interest income $ 18,315 $ 19,260 $ 17,937 (a) Not within the scope of ASC 606 A description of the Company’s revenue streams accounted in accordance with ASC 606 as follows: Service charges on Deposit Accounts Interchange Income: Wealth Management fees: Gains/Losses on Sales of Other real Estate Owned “OREO”:

Operating Leases

Operating Leases	12 Months Ended
	Dec. 31, 2023
Operating Leases [Abstract]
Operating Leases	(17) Operating leases The Company has committed to rent premises used in business operations under non-cancelable operating leases and determines if an arrangement meets the definition of a lease upon inception. Operating leases are included in operating lease right-of-use (“ROU”) assets and operating lease liabilities on the Company’s balance sheets. Operating lease ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Operating lease ROU assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term. The Company’s leases do not provide an implicit rate, therefore the Company used its incremental collateralized borrowing rates commensurate with the underlying lease terms to determine present value of operating lease liabilities. Additionally, the Company does allocate the consideration between lease and non-lease components. The Company’s lease terms may include options to extend when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight -line basis over the lease term. Variable lease components, such as fair market value adjustments, are expensed as incurred and not included in ROU assets and operating lease liabilities. Leases with an initial term of 12 months or less are not recorded on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. As of December 31, 2023, the Company did not have any leases with terms of twelve months or less. As of December 31, 2023 the Company did not have any leases for which any related construction had not yet started. Other information related to leases was as follows: (dollars in thousands) 2023 2022 2021 Operating lease cost $ 8,165 $ 8,213 $ 8,128 Variable lease cost 2,226 2,183 2,015 Total Lease costs $ 10,391 $ 10,396 $ 10,143 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 8,393 $ 8,327 $ 8,192 Right-of-use assets obtained in exchange for lease obligations: $ 2,487 $ 3,089 $ 6,588 Weighted average remaining lease term (years) 8.5 8.9 9.3 Weighted average discount rate 3.1 % 3.0 % 3.0 % Future minimum lease payments under non-cancellable leases as of December 31, 2023 were as follows: (dollars in thousands) Year ending December 31, 2024 $ 8,479 2025 8,078 2026 7,104 2027 5,867 2028 4,679 Thereafter 16,485 Total lease payments $ 50,692 Less: Interest 6,221 Present value of lease liabilities $ 44,471 A member of the Board of Directors has an ownership interest in five entities that own commercial real estate leased by the Company for use as branch locations. Total future lease payments from the Company to those entities, which are included in the table above, at December 31, 2023, were $2.7 million, which includes interest in the amount of $312 thousand. The Company paid total rent and fees to these entities in the amounts of $534 thousand, $500 thousand, and $548 thousand for the years ended December 31, 2023, 2022, and 2021, respectively. As of December 31, 2023 and 2022, the Company had amounts no amounts outstanding due to the entities. As of December 31, 2023 and 2022, the operating lease right-of-use asset was $40.5 million and $44.7 million, respectively.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	12 Months Ended
	Dec. 31, 2023
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	(18) Recent Accounting Pronouncements In March 2023, the FASB issued ASU No. 2023-02, “Investments – Equity Method and Joint Ventures (Topic 323): Accounting for Investments in Tax Credit Structures Using the Proportional Amortization Method (a consensus of the Emerging Issues Task Force).” The guidance is intended to improve the accounting and disclosures for investments in tax credit structures. The ASU allows entities to elect to account for qualifying tax equity investments using the proportional amortization method, regardless of the program giving rise to the related income tax credits. Previously, this method was only available for qualifying investments in low- income housing tax credit structures. The amendments in this ASU are effective for fiscal years beginning after December 15, 2023, and interim periods within those fiscal years. Early adoption is permitted. The adoption of this ASU will not have any impact on the Company as the Company doesn’t have such investments.

Parent Company Only

Parent Company Only	12 Months Ended
	Dec. 31, 2023
Parent Company Only [Abstract]
Parent Company Only	(19) Parent Company Only The following statements pertain to TrustCo Bank Corp NY (Parent Company): Statements of Comprehensive Income (dollars in thousands) Years ended December 31, 2023 2022 2021 Income: Dividends and interest from subsidiaries $ 34,220 $ 34,125 $ 34,096 Net gain on securities transactions - - - Miscellaneous income - - - Total income 34,220 34,125 34,096 Expense: Operating supplies - - 21 Professional services 972 585 819 Miscellaneous expense 1,371 1,752 3,419 Total expense 2,343 2,337 4,259 Income before income taxes and subsidiaries’ undistributed earnings 31,877 31,788 29,837 Income tax benefit (530 ) (559 ) (972 ) Income before subsidiaries’ undistributed earnings 32,407 32,347 30,809 Equity in undistributed earnings of subsidiaries 26,239 42,887 30,710 Net income $ 58,646 $ 75,234 $ 61,519 Change in other comprehensive income 13,957 (39,341 ) 211 Comprehensive income $ 72,603 $ 35,893 $ 61,730 Statements of Condition (dollars in thousands) December 31, 2023 2022 Assets: Cash in subsidiary bank $ 28,547 $ 25,079 Investments in subsidiaries 623,658 583,370 Securities available for sale 48 36 Other assets 869 809 Total assets 653,122 609,294 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 7,837 9,307 Total liabilities 7,837 9,307 Shareholders’ equity 645,285 599,987 Total liabilities and shareholders’ equity $ 653,122 $ 609,294 Statements of Cash Flows (dollars in thousands) Years ended December 31, 2023 2022 2021 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 58,646 $ 75,234 $ 61,519 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (26,239 ) (42,887 ) (30,710 ) Stock based compensation expense - - - Net change in other assets and accrued expenses (1,563 ) (440 ) 354 Total adjustments (27,802 ) (43,327 ) (30,356 ) Net cash provided by operating activities 30,844 31,907 31,163 Cash flows from investing activities: Purchases of securities available for sale - - - Net cash used in investing activities - - - Cash flows from financing activities: Cash used to settle fractional shares in the Reverse Stock Split - - (200 ) Proceeds from exercise of stock options - 429 260 Dividends paid (27,376 ) (26,978 ) (26,266 ) Payments to acquire treasury stock - (7,004 ) (2,386 ) Proceeds from sales of treasury stock - - - Net cash used in financing activities (27,376 ) (33,553 ) (28,592 ) Net increase in cash and cash equivalents 3,468 (1,646 ) 2,571 Cash and cash equivalents at beginning of year 25,079 26,725 24,154 Cash and cash equivalents at end of year $ 28,547 $ 25,079 $ 26,725

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Dec. 31, 2023
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Basis of Presentation (Policies

Basis of Presentation (Policies)	12 Months Ended
	Dec. 31, 2023
Basis of Presentation [Abstract]
Consolidation	Consolidation The consolidated financial statements of the Company include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions.
Reverse Stock Split	Reverse Stock Split Effective as of May 28, 2021, the Company completed a 1-for-5
Use of Estimates	Use of Estimates The preparation of consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Securities Available for Sale and Held to Maturity (Debt Securities)	Securities Available for Sale and Held to Maturity (Debt Securities) Debt securities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. Debt securities are classified as available for sale when they might be sold before maturity. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are generally amortized on the level-yield method without anticipating prepayments. Premiums on callable debt securities are amortized to their earlier call date. Discounts are amortized to maturity date. Gains and losses are recorded on the trade date and determined using the specific identification method. A debt security is placed on non-accrual status at the time any principal or interest payments become 90 days delinquent. Interest accrued but not received for a security placed on non-accrual is reversed against interest income. The Company measures expected credit losses on securities held to maturity debt on a collective basis. Accrued interest receivable on held to maturity debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers nature of the Issuer, historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Based on the nature of the issuer, there is no allowance for credit losses on held to maturity securities. The Company evaluates securities available for sale in an unrealized loss position for other than temporary impairment (“OTTI”) by first assessing whether it intends to sell or it is more likely than not that it will be required to sell the security before recovery of its amortized cost basis. If either the criteria regarding intent or requirement to sell is met, the security’s amortized cost basis is written down to fair value through income. For available for sale debt securities that do not meet the aforementioned criteria, the Company evaluates whether the decline in fair value has resulted from credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than amortized cost, any changes to the rating of security by a rating agency, and adverse conditions specifically related to the security, among other factors. If this assessment indicates that a credit loss exists, the present value of cash flows expected to be collected from the security are compared to the amortized cost basis of the security. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit loss exists and an allowance for credit losses is recorded for the credit loss, limited by the amount that the fair value is less than the amortized cost basis. Any impairment that has not been recorded through an allowance for credit losses is recognized in other comprehensive income.
Federal Reserve Bank of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock	Federal Reserve Bank of New York (Reserve Bank) and Federal Home Loan Bank (FHLB) stock The Bank is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Dividends are reported as income. The Bank was also a member of the Federal Reserve Bank of New York until it discontinued its membership in 2020 and the Reserve Bank stock was redeemed. Prior to the stock redemption, the Reserve Bank stock was carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Any dividends received were reported as income
Loans	Loans Loans that management has the intent and ability to hold for the near future or until maturity or payoff are reported at amortized cost net of allowance for credit losses on loans. Amortized cost is the principal balance outstanding, net of deferred loan fees and costs. Interest income is accrued on unpaid principal balances. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. Interest income from mortgage and commercial loans is discontinued and placed on non-accrual status at the time the loan is 90 days delinquent. Non-accrual loans are individually reviewed and charged off at 180 days past due. Commercial loans are charged off to the extent principal or interest is deemed uncollectible. In all cases, loans are placed on non-accrual or charged off at an earlier date if collection of principal or interest is considered doubtful. All interest accrued but not received for loans placed on non-accrual is reversed against interest income. Interest received on such loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero. Under the cash-basis method, interest income is recorded when the payment is received in cash. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought to current and future payments are reasonably assured.
Allowance for Credit Losses on Loans	Allowance for Credit Losses on Loans The allowance for credit losses on loans (“ACLL”) is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged off against the allowance when management believes the uncollectibility of the loan balance is confirmed. Expected recoveries are not to exceed the aggregate of amounts previously charged-off and expected to be charged-off. Accrued interest receivable is excluded from the estimate of credit losses. The level of the ACLL represents management’s estimate of expected credit losses over the expected life of the loans at the balance sheet date. he level of the ACLL is based on management’s ongoing review of all relevant information, from internal and external sources, relating to past and current events, utilizing an 8-quarter The ACLL is measured on a collective (pool) basis when similar risk characteristics exist. The Company evaluates its risk characteristics of loans based on regulatory call report code with sub-segmentation based on geographic territory (New York and Florida). Risk characteristics relevant to each portfolio segment are as follows: Commercial: ‑ Residential real estate: one‑ ‑ Installment: Loans that do not share risk characteristics are evaluated on an individual basis, which the Company has determined are non-accrual loans that have been delinquent 180 days or greater, commercial non-accrual loans and loans identified as loan modifications. Loans evaluated individually are not also included in the collective evaluation. Estimates of specific allowance may be determined by the present value of anticipated future cash flows or the loan’s observable fair market value, or the fair value of the collateral less costs to sell, if the loan is collateral dependent. However, for collateral dependent loans, the amount of the amortized cost in a loan that exceeds the fair value of the collateral is charged-off against the allowance for credit losses on loans in lieu of an allocation of a specific allowance amount when such an amount has been identified definitively as uncollectible. A loan for which terms have been modified resulting in a concession, and for which the borrower is experiencing financial difficulties, is considered a loan modification. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the near future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, even though there was no modification of terms, the borrowers’ debt to the Company was discharged and they may not reaffirm the debt. Loan modifications that have subsequently defaulted have the underlying collateral evaluated at the time these loans were identified as loan modifications, and a charge-off was taken at that time, if necessary. Collateral values on these loans are reviewed for collateral sufficiency on a quarterly basis. The allowance for unfunded commitments is maintained at a level by the Company determined to be sufficient to absorb expected lifetime losses related to unfunded credit facilities (including unfunded loan commitments and letters of credit). The allowance for unfunded commitments is recorded as a separate liability and is included with Accrued expenses and other liabilities on the consolidated statements of condition. Changes in the reserve are recorded through the provision for credit losses on the consolidated statements of income. Prior to the adoption of CECL, the Company calculated the allowance for loan losses under the incurred loss methodology.
Bank Premises and Equipment	Bank Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on either the straight ‑
Other Real Estate Owned	Other Real Estate Owned Assets that are acquired through or instead of foreclosure are initially recorded at fair value less costs to sell. These assets are subsequently accounted for at the lower of cost or fair value less costs to sell. Subsequent write downs and gains and losses on sale are included in noninterest expense. Operating costs after acquisition are also included in noninterest expense. At December 31, 2023 and 2022, there were $194 thousand and $2.1 million, respectively, of other real estate owned included in the category of Other Assets in the accompanying Consolidated Statements of Condition.
Income Taxes	Income Taxes Deferred taxes are recorded for the future tax consequences of events that have been recognized in the financial statements or tax returns based upon enacted tax laws and rates. Deferred tax assets are recognized subject to management’s judgment that realization is more likely than not. The amount recognized is the largest amount of tax benefit that has a greater than 50% likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no benefit is recorded.
Dividend Restrictions	Dividend Restrictions The Company’s ability to pay dividends to its shareholders is dependent upon the ability of the Bank to pay dividends to the Company. The payment of dividends by the Bank to the Company is subject to continued compliance with minimum regulatory capital requirements and the filing of notices with the Bank’s and the Company’s regulators. The Bank’s primary regulator may disapprove a dividend if: the Bank would be undercapitalized following the distribution; the proposed capital distribution raises safety and soundness concerns; or the capital distribution would violate a prohibition contained in any statue, regulation, or agreement between the Bank and a regulator or a condition imposed in a previously approved application or notice. Currently the Bank meets the regulatory definition of a well-capitalized institution. During 2024, the Bank could declare dividends of approximately $99.8 million plus any 2024 net profits retained to the date of the dividend declaration.
Benefit Plans	Benefit Plans The Company has a defined benefit pension plan covering substantially all of its employees who participated in the plan before it was frozen as of December 31, 2006. The benefits are based on years of service and the employee’s compensation The Company has a postretirement benefit plan that permits retirees under age 65 to participate in the Company’s medical plan by which retirees pay all of their premiums. Under certain employment contracts with selected executive officers, the Company is obligated to provide postretirement benefits to these individuals once they attain certain vesting requirements. The Company recognized in the Consolidated Statement of Condition the funded status of the pension plan and postretirement benefit plan with an offset, net of tax, recorded in accumulated other comprehensive income (loss).
Stock-Based Compensation Plans	Stock-Based Compensation Plans The Company has stock-based compensation plans for employees and directors. Compensation cost is recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options while, for restricted stock awards, the fair value of the Company’s common stock at the date of grant is used. Compensation cost for stock options and restricted stock awards to be settled in stock are recognized over the required service period generally defined as the vesting period. The expense is recognized over the shorter of each award’s vesting period or the retirement date for any awards that vest immediately upon eligible retirement. Awards to be settled in cash based on the fair value of the Company’s stock at vesting are treated as liability based awards. Compensation costs for liability based awards are re ‑
Earnings Per Share	Earnings Per Share Basic earnings per common share is net income divided by the weighted average number of common shares outstanding during the period. All outstanding unvested share ‑ ‑
Segment Reporting	Segment Reporting The Company’s operations are exclusively in the financial services industry and include the provision of traditional banking services. Management evaluates the performance of the Company based on only one business segment, that of community banking. The Company operates primarily in the geographical region of Upstate New York with branches also in Florida and the mid ‑
Cash and Cash Equivalents	Cash and Cash Equivalents The Company classifies cash on hand, cash due from banks, Federal Funds sold, and other short-term investments as cash and cash equivalents for disclosure purposes.
Trust Assets	Trust Assets Assets under management with the Trustco Financial Services Department are not included in the Company’s consolidated financial statements because Trustco Financial Services holds these assets in a fiduciary capacity.
Comprehensive Income	Comprehensive Income Comprehensive income represents the sum of net income and items of other comprehensive income or loss, which are reported directly in shareholders’ equity, net of tax, such as the change in net unrealized gain or loss on securities available for sale and changes in the funded position of the pension and postretirement benefit plans. Accumulated other comprehensive income or loss, which is a component of shareholders’ equity, represents the net unrealized gain or loss on securities available for sale, net of tax and the funded position in the Company’s pension plan and postretirement benefit plans, net of tax.
Fair Value of Financial Instruments	Fair Value of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 13. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect these estimates.
Recently Adopted Accounting Standards	Recently Adopted Accounting Standards On January 1, 2022, the Company adopted ASU 2016-13, “Financial Instruments - Credit Losses” (referred to as “CECL” and as Accounting Standards Codification Topic 326 (“ASC 326”)), which amended existing guidance to replace current generally accepted accounting principles used to measure a reporting entity’s credit losses. The main objective of this update is to provide financial statement users with enhanced financial disclosures for more decision-useful information about the expected credit losses on financial instruments and other commitments to extend credit held by a reporting entity at each reporting date. To achieve this objective, the amendments in this update replace the incurred loss impairment methodology with a methodology that reflects expected credit losses and requires consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The allowance for credit losses on loans is a valuation account that is deducted from, or added to, the loans’ amortized cost basis to present the net, lifetime amount expected to be collected on the loans. The measurement of expected credit losses under the CECL methodology applies to financial assets measured at amortized cost including loan receivables and held to maturity debt securities. The update also applies to off-balance sheet exposures not accounted for as insurance (loan commitments, standby letters of credit, financial guarantees and other similar instruments). In addition, CECL made changes to the accounting for available for sale securities. One such change is to require credit losses to be presented as an allowance rather than as a write-down on available for sale debt securities that management does not intend to sell or believes that it is more likely than not they will be required to sell. The Company adopted CECL using the modified retrospective method for all financial assets measured at amortized cost and off-balance-sheet credit exposures. Results for reporting periods beginning after January 1, 2022 are presented under CECL while prior period amounts continue to be reported in accordance with previous applicable GAAP. On the adoption date, the Company increased the allowance for credit losses on loans by $2.4 million and increased the allowance for credit losses for unfunded commitments by $2.3 million (included in Accrued expenses and other liabilities). The Company recorded a net decrease to undivided profits of $3.5 million, net of $1.2 million in deferred tax balances as of January 1, 2022 for the cumulative effect of adopting CECL. The Company did not record an allowance for credit losses as of January 1, 2022 on its securities available for sale or held to maturity. The impact of the January 1, 2022 adoption entry is summarized in the table below: (in thousands) December 31, 2021 Pre-CECL Adoption Impact of Adoption January 1, 2022 Post-CECL Adoption Assets: Allowance for credit losses on loans $ 44,267 $ 2,353 $ 46,620 Allowance for credit losses on securities - - - Liabilities and shareholders’ equity: Other liabilities (ACL unfunded loan commitments) 18 2,335 2,353 Tax Effect, net (included in other assets) - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits $ 349,056 $ (3,470 ) $ 345,586 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.

Basis of Presentation (Tables)

Basis of Presentation (Tables)	12 Months Ended
	Dec. 31, 2023
Basis of Presentation [Abstract]
Impact of Financial Instruments - Credit Losses Adoption	The impact of the January 1, 2022 adoption entry is summarized in the table below: (in thousands) December 31, 2021 Pre-CECL Adoption Impact of Adoption January 1, 2022 Post-CECL Adoption Assets: Allowance for credit losses on loans $ 44,267 $ 2,353 $ 46,620 Allowance for credit losses on securities - - - Liabilities and shareholders’ equity: Other liabilities (ACL unfunded loan commitments) 18 2,335 2,353 Tax Effect, net (included in other assets) - (1,218 ) - Total 44,285 3,470 48,973 Undivided Profits $ 349,056 $ (3,470 ) $ 345,586

Investment Securities (Tables)

Investment Securities (Tables)	12 Months Ended
	Dec. 31, 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: (dollars in thousands) December 31, 2023 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 121,728 $ 5 $ 3,065 $ 118,668 State and political subdivisions 26 - - 26 Mortgage backed securities and collateralized mortgage obligations - residential 263,182 270 25,775 237,677 Corporate bonds 80,150 - 2,098 78,052 Small Business Administration - guaranteed participation securities 18,740 - 1,554 17,186 Other 687 11 18 680 Total securities available for sale $ 484,513 $ 286 $ 32,510 $ 452,289 (dollars in thousands) December 31, 2022 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 124,123 $ 1 $ 5,937 $ 118,187 State and political subdivisions 34 - - 34 Mortgage backed securities and collateralized mortgage obligations - residential 291,431 34 31,149 260,316 Corporate bonds 85,641 - 4,295 81,346 Small Business Administration - guaranteed participation securities 23,115 - 2,138 20,977 Other 686 - 33 653 Total securities available for sale $ 525,030 $ 35 $ 43,552 $ 481,513
Securities, Available-for-sale and Held-to-maturity [Abstract]
Proceeds from Sales, Calls/Paydowns and Maturities of Securities Available for Sale, Gross Realized Gains and Gross Realized Losses	The proceeds from sales, calls/paydowns and maturities of securities available for sale, and gross realized gains and gross realized losses from sales during , and are as follows: Years ended December 31, (dollars in thousands) 2023 2022 2021 Proceeds from sales $ - $ - $ - Proceeds from calls/paydowns 53,503 68,954 148,609 Proceeds from maturities 5,008 15,057 9,162 Gross realized losses - - - Gross realized gains - - -
Amortized Cost and Fair Value of Held to Maturity Securities	The amortized cost and fair value of the held to maturity securities are as follows: December 31, 2023 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,458 $ 74 $ 136 $ 6,396 Total held to maturity $ 6,458 $ 74 $ 136 $ 6,396 December 31, 2022 (dollars in thousands) Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 7,707 $ 90 $ 217 $ 7,580 Total held to maturity $ 7,707 $ 90 $ 217 $ 7,580
Securities Held in Available For Sale and Held to Maturity Greater Than 10% of Shareholders Equity	The Company has the following balances of securities held in the available for sale and held to maturity portfolios as of December 31, 2023 that represent greater than 10% of shareholders’ equity: (dollars in thousands) Amortized Cost Fair Value Federal National Mortgage Association $ 165,146 $ 149,532 Federal Home Loan Mortgage Corporation 103,230 95,243 Corporate Bonds 80,150 78,052
Securities Available for Sale [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table categorizes the amortized cost and fair value of debt securities included in the available for sale portfolio as of December 31, 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 are shown separately: (dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 70,701 $ 70,059 Due in after one year through five years 131,890 127,367 Mortgage backed securities and collateralized mortgage obligations - residential 263,182 237,677 Small Business Administration - guaranteed participation securities 18,740 17,186 $ 484,513 $ 452,289
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) December 31, 2023 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ - $ - $ 116,163 $ 3,065 $ 116,163 $ 3,065 Mortgage backed securities and collateralized mortgage obligations - residential - - 227,891 25,775 227,891 25,775 Corporate bonds - - 78,052 2,098 78,052 2,098 Other - - 631 18 631 18 Small Business Administration - guaranteed participation securities - - 17,186 1,554 17,186 1,554 Total $ - $ - $ 439,923 $ 32,510 $ 439,923 $ 32,510 (dollars in thousands) December 31, 2022 Less than 12 months 12 months or more Total Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss Fair Value Gross Unreal. Loss U.S. government sponsored enterprises $ 57,849 $ 1,290 $ 55,337 $ 4,647 $ 113,186 $ 5,937 Mortgage backed securities and collateralized mortgage obligations - residential 164,772 13,010 93,009 18,139 257,781 31,149 Corporate bonds 52,805 2,395 28,542 1,900 81,347 4,295 Small Business Administration - guaranteed participation securities 802 71 20,175 2,067 20,977 2,138 Mortgage backed securities and collateralized mortgage obligations - commercial - - - - - - Other 49 1 568 32 617 33 Total $ 276,277 $ 16,767 $ 197,631 $ 26,785 $ 473,908 $ 43,552
Held to Maturity Securities [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table categorizes the debt securities included in the held to maturity portfolio as of December 31, 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 shown separately. (dollars in thousands) Amortized Cost Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,458 6,396 $ 6,458 6,396
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: December 31, 2023 (dollars in thousands) Less than 12 months 12 months or more Total Fair Value Gross Unrec. Loss Fair Value Gross Unrec. Loss Fair Value Gross Unrec. Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 283 $ 3 $ 2,703 $ 133 $ 2,986 $ 136 Total $ 283 $ 3 $ 2,703 $ 133 $ 2,986 $ 136 December 31, 2022 (dollars in thousands) Less than 12 months 12 months or more Total Fair Value Gross Unrec. Loss Fair Value Gross Unrec. Loss Fair Value Gross Unrec. 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)	12 Months Ended
	Dec. 31, 2023
Loan Portfolio and Allowance for Credit Losses [Abstract]
Recorded Investment in Loans by Portfolio Segment	The following table presents loans by portfolio segment: December 31, 2023 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 212,754 $ 39,501 $ 252,255 Other 20,863 397 21,260 Real estate mortgage - 1 to 4 family: First mortgages 2,756,914 1,550,191 4,307,105 Home equity loans 44,152 13,806 57,958 Home equity lines of credit 212,298 135,117 347,415 Installment 12,057 4,829 16,886 Total loans, net $ 3,259,038 $ 1,743,841 5,002,879 Less: Allowance for credit losses 48,578 Net loans $ 4,954,301 *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 years ended December 31, 2023, and 2022 are summarized as follows: For the year ended December 31, 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 $ 43,271 $ 165 $ 46,032 Loans charged off: New York and other states* - 371 97 468 Florida - - 79 79 Total loan chargeoffs - 371 176 547 Recoveries of loans previously charged off: New York and other states* 129 392 45 566 Florida - 25 2 27 Total recoveries 129 417 47 593 Net loans (recoveries) charged off (129 ) (46 ) 129 (46 ) (Credit) provision for credit losses 10 2,308 182 2,500 Balance at end of period $ 2,735 $ 45,625 $ 218 $ 48,578 * Includes New York, New Jersey, Vermont and Massachusetts. For the year ended December 31, 2022 (dollars in s) Real Estate Mortgage- Commercial 1 to Family Installment Total Balance at beginning of period $ 3,135 40,689 443 44,267 Impact of ASU - Current Expected Credit Loss (CECL) (986 ) 3,717 (378 ) 2,353 Balance as of January as adjusted for ASU - 2,149 44,406 65 46,620 Loans charged off: New York and other states* 40 24 87 151 Florida - - 1 1 Total loan chargeoffs 40 24 88 152 Recoveries of loans previously charged off: New York and other states* 4 450 7 461 Florida - - 3 3 Total recoveries 4 450 10 464 Net loan recoveries 36 (426 ) 78 (312 ) (Credit) provision for loan losses 483 (1,561 ) 178 (900 ) Balance at end of period $ 2,596 43,271 165 46,032 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for loan losses by portfolio segment as calculated under the probable incurred loss method for the year ended December 31, 2021 is as follows: For the year ended December 31, 2021 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 4,140 $ 44,950 $ 505 $ 49,595 Loans charged off: New York and other states* 30 339 58 427 Florida - 1 2 3 Total loan chargeoffs 30 340 60 430 Recoveries of loans previously charged off: New York and other states* 32 464 54 550 Florida - 2 - 2 Total recoveries 32 466 54 552 Net loans charged off (2 ) (126 ) 6 (122 ) Credit for loan losses (1,007 ) (4,387 ) (56 ) (5,450 ) Balance at end of period $ 3,135 $ 40,689 $ 443 $ 44,267 * Includes New York, New Jersey, Vermont and Massachusetts.
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 December 31, 2023 and 2022: As of December 31, 2023 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ - Collectively evaluated for impairment 2,735 45,625 218 48,578 Total ending allowance balance $ 2,735 $ 45,625 $ 218 $ 48,578 Loans: Individually evaluated for impairment $ 957 $ 23,628 $ 144 $ 24,729 Collectively evaluated for impairment 272,558 4,688,850 16,742 4,978,150 Total ending loans balance $ 273,515 $ 4,712,478 $ 16,886 $ 5,002,879 As of December 31, 2022 (dollars in thousands) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ - Collectively evaluated for impairment 2,596 43,271 165 46,032 Total ending allowance balance $ 2,596 43,271 165 46,032 Loans: Individually evaluated for impairment $ 646 24,967 82 25,695 Collectively evaluated for impairment 230,365 4,464,916 12,225 4,707,506 Total ending loans balance $ 231,011 $ 4,489,883 $ 12,307 $ 4,733,201
Allowance for Credit Losses on Unfunded Commitments	The Company’s activity in the allowance for credit losses on unfunded commitments were as follows: (In thousands) For the year ended December 31, 2023 Balance at January 1, 2023 $ 2,912 (Credit) provision for credit losses (1,250 ) Balance at December 31, 2023 $ 1,662 (In s) For the year ended December 31, Balance at January $ 18 Impact of Adopting CECL 2,335 Adjusted Balance at January $ 2,353 Provision for credit losses 559 Balance at December $ 2,912
Risk Category Loans by Class of Loans	As of December and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: Loan Credit Quality (in s) As of December 31, Term Loans Amortized Cost Basis by Origination Year Commercial : 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 61,148 $ 82,339 $ 23,940 $ 16,653 $ 19,835 $ 41,153 $ 5,664 $ - $ 250,732 Special Mention - - - 42 - 225 - - 267 Substandard - - - - - 1,256 - - 1,256 Total Commercial Loans $ 61,148 $ 82,339 $ 23,940 $ 16,695 $ 19,835 $ 42,634 $ 5,664 $ - $ 252,255 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 7,873 $ 2,164 $ 1,933 $ 1,386 $ 321 $ 2,641 $ 4,482 $ - $ 20,800 Special mention - - - - - - 34 - 34 Substandard - - 328 - - 98 - - 426 Total Commercial Real Estate Loans $ 7,873 $ 2,164 $ 2,261 $ 1,386 $ 321 $ 2,739 $ 4,516 $ - $ 21,260 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residenti al First Mo Risk rating Performing $ 417,197 $ 565,601 $ 877,736 $ 732,798 $ 342,559 $ 1,354,867 $ 3,042 $ - $ 4,293,800 Nonperforming 64 210 383 229 1,119 11,300 - - 13,305 Total Mortgage: $ 417,261 $ 565,811 $ 878,119 $ 733,027 $ 343,678 $ 1,366,167 $ 3,042 $ - $ 4,307,105 Residential Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ 27 $ 336 $ - $ - $ 363 $ - $ - $ - $ - $ 27 $ 336 $ - $ - $ 363 Home Equity Loans: Risk rating Performing $ 9,660 $ 5,963 $ 7,770 $ 5,668 $ 6,542 $ 22,076 $ - $ - $ 57,679 Nonperforming - - - - - 279 - - 279 Total Home Equity Loans: $ 9,660 $ 5,963 $ 7,770 $ 5,668 $ 6,542 $ 22,355 $ - $ - $ 57,958 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 355 $ 641 $ 248 $ 75 $ 10 $ 15,964 $ 327,059 $ - $ 344,352 Nonperforming - - 8 56 - 2,813 186 - 3,063 Total Home Equity Credit Lines: $ 355 $ 641 $ 256 $ 131 $ 10 $ 18,777 $ 327,245 $ - $ 347,415 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 8 $ - $ - $ 8 $ - $ - $ - $ - $ - $ 8 $ - $ - $ 8 Installments: Risk rating Performing $ 8,473 $ 4,592 $ 1,484 $ 360 $ 198 $ 605 $ 1,008 $ - $ 16,720 Nonperforming - 49 51 - 63 3 - - 166 Total Installments $ 8,473 $ 4,641 $ 1,535 $ 360 $ 261 $ 608 $ 1,008 $ - $ 16,886 Installments Loans: Current-period Gross writeoffs $ 16 $ 67 $ 50 $ 1 $ 21 $ 21 $ - $ - $ 176 $ 16 $ 67 $ 50 $ 1 $ 21 $ 21 $ - $ - $ 176 Loan Credit Quality (in s) As of December Term Loans Amortized Cost Basis by Origination Year Commercial : 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 79,430 $ 29,991 $ 18,708 $ 22,790 $ 16,598 $ 32,666 $ 8,022 $ - $ 208,205 Special Mention - - 62 - 243 - - - 305 Substandard - - 113 - 128 1,171 - - 1,412 Total Commercial Loans $ 79,430 $ 29,991 $ 18,883 $ 22,790 $ 16,969 $ 33,837 $ 8,022 $ - $ 209,922 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 40 $ - $ - $ 40 $ - $ - $ - $ - $ - $ 40 $ - $ - $ 40 Commercial Other: Risk rating Pass $ 2,972 $ 2,848 $ 2,273 $ 590 $ 674 $ 2,348 $ 8,908 $ - $ 20,613 Special mention - - - - - - 39 - 39 Substandard - 339 - - - 98 - - 437 Total Commercial Real Estate Loans $ 2,972 $ 3,187 $ 2,273 $ 590 $ 674 $ 2,446 $ 8,947 $ - $ 21,089 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residenti al First Mo Risk rating Performing $ 557,981 $ 933,754 $ 784,511 $ 368,137 $ 257,926 $ 1,228,776 $ 1,472 $ - $ 4,132,557 Nonperforming - 496 81 844 351 12,573 - - 14,345 Total Mortgage: $ 557,981 $ 934,250 $ 784,592 $ 368,981 $ 258,277 $ 1,241,349 $ 1,472 $ - $ 4,146,902 Residential Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 5 $ - $ - $ 5 $ - $ - $ - $ - $ - $ 5 $ - $ - $ 5 Home Equity 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 December 31, 2023 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - $ - $ 521 $ 521 $ 212,233 $ 212,754 Other - 26 - 26 20,837 20,863 Real estate mortgage - 1 to 4 family: First mortgages 4,330 811 6,008 11,149 2,745,765 2,756,914 Home equity loans 20 138 157 315 43,837 44,152 Home equity lines of credit 591 135 1,499 2,225 210,073 212,298 Installment 6 18 95 119 11,938 12,057 Total $ 4,947 $ 1,128 $ 8,280 $ 14,355 $ 3,244,683 $ 3,259,038 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 $ - $ - $ - $ - $ 39,501 $ 39,501 Other - - 314 314 83 397 Real estate mortgage - 1 to 4 family: First mortgages 1,290 78 1,433 2,801 1,547,390 1,550,191 Home equity loans 73 6 - 79 13,727 13,806 Home equity lines of credit 184 - 56 240 134,877 135,117 Installment 16 - 60 76 4,753 4,829 Total $ 1,563 $ 84 $ 1,863 $ 3,510 $ 1,740,331 $ 1,743,841 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 $ - $ - $ 521 $ 521 $ 251,734 $ 252,255 Other - 26 314 340 20,920 21,260 Real estate mortgage - 1 to 4 family: First mortgages 5,620 889 7,441 13,950 4,293,155 4,307,105 Home equity loans 93 144 157 394 57,564 57,958 Home equity lines of credit 775 135 1,555 2,465 344,950 347,415 Installment 22 18 155 195 16,691 16,886 Total $ 6,510 $ 1,212 $ 10,143 $ 17,865 $ 4,985,014 $ 5,002,879 * Includes New York, New Jersey, Vermont and Massachusetts. As of December 31, 2022 New York and other states*: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - 161 161 177,210 177,371 Other 18 - 20 38 20,183 20,221 Real estate mortgage - 1 to 4 family: First mortgages 4,262 921 7,203 12,386 2,764,603 2,776,989 Home equity loans 283 - 67 350 43,649 43,999 Home equity lines of credit 978 - 591 1,569 190,357 191,926 Installment 78 4 23 105 9,303 9,408 Total $ 5,619 925 8,065 14,609 3,205,305 3,219,914 Florida: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 32,551 32,551 Other - - 314 314 554 868 Real estate mortgage - 1 to 4 family: First mortgages 1,183 243 1,404 2,830 1,367,083 1,369,913 Home equity loans 51 - - 51 12,499 12,550 Home equity lines of credit 224 - - 224 94,282 94,506 Installment 6 - 83 89 2,810 2,899 Total $ 1,464 243 1,801 3,508 1,509,779 1,513,287 Total: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - 161 161 209,761 209,922 Other 18 - 334 352 20,737 21,089 Real estate mortgage - 1 to 4 family: First mortgages 5,445 1,164 8,607 15,216 4,131,686 4,146,902 Home equity loans 334 - 67 401 56,148 56,549 Home equity lines of credit 1,202 - 591 1,793 284,639 286,432 Installment 84 4 106 194 12,113 12,307 Total $ 7,083 1,168 9,866 18,117 4,715,084 4,733,201 * Includes New York, New Jersey, Vermont and Massachusetts.
Recorded Investment in Non-Accrual Loans by Loan Class	The following tables presents the amortized cost basis in non-accrual loans by portfolio segment as of December 31, 2023 and 2022: As of December 31, 2023 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 536 $ - $ 536 Other - 314 314 Real estate mortgage - 1 to 4 family: First mortgages 11,324 1,981 13,305 Home equity loans 235 44 279 Home equity lines of credit 2,816 247 3,063 Installment 151 15 166 Total non-accrual loans 15,062 2,601 17,663 Restructured real estate mortgages - 1 to 4 family 3 - 3 Total nonperforming loans $ 15,065 $ 2,601 $ 17,666 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 days still accruing as of December 31, 2023 and 2022: As of D ecember 31, (dollars in s) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance for Credit Loss Loans Past Due Over Days Still Accruing Commercial: Commercial real estate $ 536 $ - - Other 314 - - Real estate mortgage - to family: First mortgages 12,584 721 - Home equity loans 271 8 - Home equity lines of credit 2,395 668 - Installment 144 22 - Total loans, net $ 16,244 $ 1,419 - As of D ecember 31, (dollars in s) Non-accrual With No Allowance for Credit Loss Non-accrual With Allowance for Credit Loss Loans Past Due Over Days Still Accruing Commercial: Commercial real estate $ 160 $ 39 - Other 20 314 - Real estate mortgage - to family: First mortgages 13,502 843 - Home equity loans 129 66 - Home equity lines of credit 2,257 47 - Installment 82 24 - Total loans, net $ 16,150 $ 1,333 -
Amortized Cost of Collateral-dependent Loans by Class	The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of December 2023 and : As of December 31, 2023 Type of Collateral (dollars in s) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 643 - - Other 314 - - Real estate mortgage - to family: First mortgages 20,018 - - Home equity loans 371 - - Home equity lines of credit 3,239 - - Installment 144 - - Total $ 24,729 - - As of December 31, 2022 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 year ended December 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 895 0.03 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 945 0.03 % 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 338 0.02 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 338 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 1,233 0.03 % Home equity loans - - Home equity lines of credit 50 0.02 % Installment - - Total $ 1,283 0.03 % * 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 December 31, 2023: As of December 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 691 152 - 52 895 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 741 $ 152 $ - $ 52 $ 945 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 338 - - - 338 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 338 $ - $ - $ - $ 338 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 1,029 152 - 52 1,233 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 1,079 $ 152 $ - $ 52 $ 1,283 * 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 year ended December 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 21 Home equity loans - Home equity lines of credit 18 Installment - Total $ 39 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 45 Home equity loans - Home equity lines of credit 18 Installment - Total $ 63 * Includes New York, New Jersey, Vermont and Massachusetts.

Bank Premises and Equipment (Ta

Bank Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2023
Bank Premises and Equipment [Abstract]
Summary of Premises and Equipment	A summary of premises and equipment at December 31, 2023 and 2022 follows: (dollars in thousands) 2023 2022 Land $ 2,444 $ 2,426 Buildings 36,347 36,260 Furniture, fixtures and equipment 62,901 60,320 Leasehold improvements 36,418 34,860 Total bank premises and equipment 138,110 133,866 Accumulated depreciation and amortization (104,104 ) (101,310 ) Total $ 34,007 $ 32,556

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2023
Deposits [Abstract]
Interest Expense on Deposits	Interest expense on deposits was as follows: (dollars in thousands) For the year ended December 31, 2023 2022 2021 Interest bearing checking accounts $ 382 $ 190 $ 178 Savings accounts 2,531 920 624 Time deposits and money market accounts 50,439 4,617 5,863 Total $ 53,352 $ 5,727 $ 6,665
Maturity of Total Time Deposits	At December 31, 2023, the maturity of total time deposits is as follows: (dollars in thousands) Under 1 year $ 1,715,122 1 to 2 years 26,971 2 to 3 years 1,122 3 to 4 years 91,716 4 to 5 years 1,061 Over 5 years 32 $ 1,836,024

Borrowings (Tables)

Borrowings (Tables)	12 Months Ended
	Dec. 31, 2023
Borrowings [Abstract]
Short-Term Borrowings (Repurchase Agreements)	Short-term borrowings (repurchase agreements) of the Company were cash management accounts as follows: (dollars in thousands) 2023 2022 2021 Amount outstanding at December 31, $ 88,990 $ 122,700 $ 244,686 Maximum amount outstanding at any month end 134,293 253,219 244,686 Average amount outstanding 114,639 177,599 232,815 Weighted average interest rate: For the year 0.88 % 0.42 % 0.39 % As of year end 0.86 0.86 0.37

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2023
Income Taxes [Abstract]
Summary of Income Tax Expense	A summary of income tax expense included in the Consolidated Statements of Income follows: (dollars in thousands) For the year ended December 31, 2023 2022 2021 Current tax expense: Federal $ 15,224 $ 17,136 $ 17,657 State 1,587 2,933 3,195 Total current tax expense 16,811 20,069 20,852 Deferred tax (benefit) expense 2,156 4,114 (238 ) Total income tax expense $ 18,967 $ 24,183 $ 20,614
Tax Effects of Temporary Differences	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2023 and 2022, are as follows: As of December 31, (dollars in thousands) 2023 2022 Deductible temporary differences Deductible temporary differences Benefits and deferred remuneration $ (9,490 ) $ (8,478 ) Difference in reporting the allowance for credit losses, net 12,995 12,424 Other income or expense not yet reported for tax purposes (1,188 ) 420 Depreciable assets (2,496 ) (2,389 ) Net deferred tax (liability) asset at end of year (179 ) 1,977 Impact of ASU 2016-13, Current Expected Credit Loss (CECL) - 1,218 Net deferred tax asset at beginning of year 1,977 4,873 Deferred tax expense $ 2,156 $ 4,114
Effective Income Tax Rate	The effective tax rates differ from the statutory federal income tax rate. The reasons for these differences are as follows: For the year ended December 31, 2023 2022 2021 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % Increase/(decrease) in taxes resulting from: State income tax, net of federal tax benefit 3.1 3.0 3.2 Other items 0.3 0.3 0.9 Effective income tax rate 24.4 % 24.3 % 25.1 %

Benefit Plans (Tables)

Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2023
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Component of Other Comprehensive income (Loss) Related to Retirement Plan and Post-retirement Benefit Plan	The following table details the change in the components of other comprehensive income (loss) related to the retirement plan and the postretirement benefit plan, at December 31, 2023 and 2022, respectively: (dollars in thousands) December 31, 2023 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ (5,380 ) $ (2,575 ) $ (7,955 ) Amortization of net actuarial gain - 423 423 Amortization of prior service credit - (13 ) (13 ) Total $ (5,380 ) $ (2,165 ) $ (7,545 ) December 31, 2022 Retirement Plan Post- Retirement Benefit Plan Total Change in overfunded position of pension and postretirement benefits $ 4,869 $ 3,397 $ 8,266 Prior service cost - - - Amortization of net actuarial gain - 1,008 1,008 Amortization of prior service cost - 313 313 Total $ 4,869 $ 4,718 $ 9,587
Asset Allocation of Pension and Postretirement Benefit Plans	The asset allocations of the Company’s pension and postretirement benefit plans at December 31, were as follows: Pension Benefit Plan Assets Postretirement Benefit Plan Assets 2023 2022 2023 2022 Debt Securities 34 % 30 % 27 % 29 % Equity Securities 63 59 61 57 Other 3 11 12 14 Total 100 % 100 % 100 % 100 %
Fair Value of Plan Assets by type of Financial Instrument and Level Hierarchy	The fair value of the plan assets at December 31, 2023 and 2022, by asset category, is as follows: Fair Value Measurements at December 31, 2023 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 1,811 $ 1,811 $ - $ - Equity mutual funds 37,615 37,615 - - U.S. government sponsored enterprises 19,674 - 19,674 - Corporate bonds - - - - Fixed income mutual funds 541 541 - - Total Plan Assets $ 59,641 $ 39,967 $ 19,674 $ - Fair Value Measurements at December 31, 2023 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 3,986 $ 3,986 $ - $ - Equity mutual funds 20,236 20,236 - - U.S. government sponsored enterprises 9,002 - 9,002 - Total Plan Assets $ 33,224 $ 24,222 $ 9,002 $ - Fair Value Measurements at December 31, 2022 Using: Retirement Plan (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 5,734 $ 5,734 $ - $ - Equity mutual funds 30,972 30,972 - - U.S. government sponsored enterprises 15,423 - 15,423 - Corporate bonds - - - - Fixed income mutual funds 544 544 - - Total Plan Assets $ 52,673 $ 37,250 $ 15,423 $ - Fair Value Measurements at December 31, 2022 Using: Postretirement Benefits (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Plan Assets Cash and cash equivalents $ 3,945 $ 3,945 $ - $ - Equity mutual funds 16,646 16,646 - - U.S. government sponsored enterprises 8,397 - 8,397 - Corporate bonds - - - - Total Plan Assets $ 28,988 $ 20,591 $ 8,397 $ -
Summary of the Status of Stock Option Plans	Under the A&R 2019 Equity Incentive Plan, the exercise price of each option may not be less than 100% of the fair value of the Company’s stock on the date of grant, and for an Incentive Stock Option (ISO) granted to a ten-percent , from the date the options were granted. A summary of the status of TrustCo’s stock option awards as of December 31, 2023 and changes during the year then ended, are as follows: Outstanding Options Number of Options Weighted Average Exercise Price Weighted Average Remaining Contractual Life Balance, January 1, 2023 76,853 $ 34.48 New options awarded - 2023 - - Expired options - 2023 (29,312 ) 35.23 Options forfeited - 2023 - - Exercised options - 2023 - - Balance, December 31, 2023 47,541 $ 34.01 1.41 years Exercisable Options Balance, December 31, 2023 47,541 $ 34.01 1.41 years
Restricted Share Units	Restricted share units Outstanding Units Balance, December 31, 2022 83,228 New cash settled awards granted 26,567 Forfeited awards (2,792 ) Awards settled (42,852 ) Balance, December 31, 2023 64,151
Performance Share Units	Performance share units Outstanding Units Balance, December 31, 2022 155,633 New cash settled awards granted 22,476 Forfeited awards - Awards settled (42,443 ) Balance, December 31, 2023 135,666
Retirement Plan [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Projected/Accumulated Benefit Obligation	The following tables set forth the plan’s funded status and amounts recognized in the Company’s consolidated statements of condition at December 31, 2023 and 2022: Change in Projected Benefit Obligation: December 31, (dollars in thousands) 2023 2022 Projected benefit obligation at beginning of year $ 23,042 $ 30,905 Interest cost 1,213 888 Benefit payments and expected expenses (1,741 ) (1,823 ) Net actuarial loss (gain) 645 (6,928 ) Projected benefit obligation at end of year $ 23,159 $ 23,042
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: (dollars in thousands) December 31, 2023 2022 Fair value of plan assets at beginning of year $ 28,988 $ 33,344 Actual gain (loss) on plan assets 4,260 (4,341 ) Company contributions 50 57 Benefits paid and actual expenses (74 ) (72 ) Fair value of plan assets at end of year 33,224 28,988 Funded status at end of year $ 27,596 $ 24,095
Amounts Recognized in Accumulated Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income (loss) consist of the following as of: December 31, 2023 2022 Net actuarial loss (gain) $ 6,550 $ 1,170
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss)	Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss): For the years ended December 31, (dollars in thousands) 2023 2022 2021 Service cost $ - $ - $ - Interest cost 1,213 888 856 Expected return on plan assets (2,684 ) (3,227 ) (2,846 ) Net periodic pension credit (1,471 ) (2,339 ) (1,990 ) Amortization of net loss - - - Net actuarial (gain) loss included in other comprehensive income (loss) (5,380 ) 4,869 (7,439 ) Total recognized in other comprehensive income (loss) (5,380 ) 4,869 (7,439 ) Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss) $ (6,851 ) $ 2,530 $ (9,429 )
Estimated Future Benefit Payments	Estimated Future Benefit Payments The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid: (dollars in thousands) Year Pension Benefits 2024 $ 1,706 2025 1,721 2026 1,746 2027 1,747 2028 1,794 2029 - 2033 8,715
Assumptions used to Determine Benefit Obligation and Net Periodic Expense	The discount rate assumption used to determine benefit obligations at December 31 is as follows: 2023 2022 2021 Discount rate 5.18 % 5.44 % 2.96 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2023 2022 2021 Discount rate 5.44 % 2.96 % 2.65 % Expected long-term rate of return on assets, net of tax 4.00 4.00 4.00
Postretirement Benefits [Member]
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Change in Projected/Accumulated Benefit Obligation	Change in Accumulated Benefit Obligation: (dollars in thousands) December 31, 2023 2022 Accumulated benefit obligation at beginning of year $ 4,893 $ 7,016 Service cost 11 18 Interest cost 271 207 Prior Service cost - - Benefits paid (74 ) (72 ) Net actuarial loss (gain) 527 (2,276 ) Accumulated benefit obligation at end of year $ 5,628 $ 4,893
Change in Plan Assets and Reconciliation of Funded Status	Change in Plan Assets and Reconciliation of Funded Status: December 31, (dollars in thousands) 2023 2022 Fair Value of plan assets at beginning of year $ 52,673 $ 63,066 Actual gain (loss) on plan assets 8,747 (8,532 ) Benefit payments and actual expenses (1,779 ) (1,861 ) Fair value of plan assets at end of year 59,641 52,673 Funded status at end of year $ 36,482 $ 29,631
Amounts Recognized in Accumulated Other Comprehensive Income (Loss)	Amounts recognized in accumulated other comprehensive income consist of the following as of: (dollars in thousands) December 31, 2023 2022 Net actuarial gain $ (7,912 ) $ (5,760 ) Prior service cost 68 81 Total $ (7,844 ) $ (5,679 )
Components of Net Periodic Pension Income and Other Amounts Recognized in Other Comprehensive Income (Loss)	Components of Net Periodic Benefit Income and Other Amounts Recognized in Other Comprehensive Income (Loss): (dollars in thousands) December 31, 2023 2022 2021 Service cost $ 11 $ 18 $ 75 Interest cost 271 207 190 Expected return on plan assets (1,157 ) (1,332 ) (1,163 ) Amortization of net actuarial gain (423 ) (1,008 ) (674 ) Amortization of prior service cost (credit) 13 (313 ) 405 Net periodic benefit credit (1,285 ) (2,428 ) (1,167 ) Net loss (gain) (2,575 ) 3,397 (3,469 ) Amortization of prior service credit (cost) (13 ) 313 (405 ) Prior service cost - - 611 Amortization of net gain 423 1,008 674 Total amount recognized in other comprehensive loss (2,165 ) 4,718 (2,589 ) Total amount recognized in net periodic benefit cost and other comprehensive loss $ (3,450 ) $ 2,290 $ (3,756 )
Estimated Future Benefit Payments	Expected Future Benefit Payments The following benefit payments are expected to be paid: (dollars in thousands) Year Postretirement Benefits 2024 $ 132 2025 160 2026 199 2027 229 2028 270 2029 - 2033 1,717
Assumptions used to Determine Benefit Obligation and Net Periodic Expense	The assumptions used to determine benefit obligations at December 31 are as follows: 2023 2022 2021 Discount rate 5.18 % 5.44 % 2.96 % The assumptions used to determine net periodic pension expense (benefit) for the years ended December 31 are as follows: 2023 2022 2021 Discount rate 5.44 % 2.96 % 2.65 % Expected long-term rate of return on assets 5.25 5.25 5.25

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2023
Earnings Per Share [Abstract]
Reconciliation of Earnings Per Share	A reconciliation of the component parts of earnings per share for 2023, 2022, and 2021 follows: (dollars in thousands, except per share data) For the years ended December 31, 2023 2022 2021 Net income $ 58,646 $ 75,234 $ 61,519 Weighted average common shares 19,024 19,131 19,259 Effect of dilutive common stock options 1 2 4 Weighted average common shares including potential dilutive shares 19,025 19,133 19,263 Basic EPS $ 3.08 $ 3.93 $ 3.19 Diluted EPS $ 3.08 $ 3.93 $ 3.19

Fair Value (Tables)

Fair Value (Tables)	12 Months Ended
	Dec. 31, 2023
Fair Value [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at December 31, 2023 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 118,668 $ - $ 118,668 $ - State and political subdivisions 26 - 26 - Mortgage backed securities and collateralized mortgage obligations - residential 237,677 - 237,677 - Corporate bonds 78,052 - 78,052 - Small Business Administration - guaranteed participation securities 17,186 - 17,186 - Other 680 - 680 - Total securities available for sale $ 452,289 $ - $ 452,289 $ - Fair Value Measurements at December 31, 2022 Using: (dollars in s) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Securities available for sale: U.S. government sponsored enterprises $ 118,187 $ - $ 118,187 $ - State and political subdivisions 34 - 34 - Mortgage backed securities and collateralized mortgage obligations - residential 260,316 - 260,316 - Corporate bonds 81,346 - 81,346 - Small Business Administration - guaranteed participation securities 20,977 - 20,977 - Other 653 - 653 - Total securities available for sale $ 481,513 $ - $ 481,513 $ -
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at December 31, 2023 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 194 $ - $ - $ 194 Sales comparison approach Adjustments for differences between comparable sales 0% - 39% (20 %) Individually evaluated loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach Adjustments for differences between comparable sales N/A Fair Value Measurements at December 31, 2022 Using: (dollars in thousands) Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 2,061 $ - $ - $ 2,061 Sales comparison approach Adjustments for differences between comparable sales 2% - 47% (18 %) Individually evaluated loans: Real estate mortgage - 1 to 4 family - - - - Sales comparison approach Adjustments for differences between comparable sales N/A
Carrying Amounts and Estimated Fair Values of Financial Instruments	In accordance with ASC 825, the carrying amounts and estimated fair values (exit price) of financial instruments at December 31, 2023 and 2022 are as follows: (dollars in thousands) Carrying Fair Value Measurements at December 31, 2023 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 578,004 578,004 - - 578,004 Securities available for sale 452,289 - 452,289 - 452,289 Held to maturity securities 6,458 - 6,396 - 6,396 Federal Reserve Bank and Federal Home Loan Bank stock 6,203 N/A N/A N/A N/A Net loans 4,954,301 - - 4,422,027 4,422,027 Accrued interest receivable 13,683 234 1,920 11,529 13,683 Financial liabilities: Demand deposits 754,532 754,532 - - 754,532 Interest bearing deposits 4,596,245 2,760,221 1,819,789 - 4,580,010 Short-term borrowings 88,990 - 88,990 - 88,990 Accrued interest payable 3,612 256 3,356 - 3,612 (dollars in thousands) Carrying Fair Value Measurements at December 31, 2022 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 650,599 650,599 - - 650,599 Securities available for sale 481,513 - 481,513 - 481,513 Held to maturity securities 7,707 - 7,580 - 7,580 Federal Reserve Bank and Federal Home Loan Bank stock 5,797 N/A N/A N/A N/A Net loans 4,687,169 - - 4,328,508 4,328,508 Accrued interest receivable 11,492 189 1,866 9,437 11,492 Financial liabilities: Demand deposits 838,147 838,147 - - 838,147 Interest bearing deposits 4,354,663 3,325,900 1,012,528 - 4,338,428 Short-term borrowings 122,700 - 122,700 - 122,700 Accrued interest payable 602 60 542 - 602

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	12 Months Ended
	Dec. 31, 2023
Regulatory Capital Requirements [Abstract]
Summary of Actual Capital Amounts and Ratios	The following is a summary of actual capital amounts and ratios as of December 31, 2023 and 2022, for Trustco Bank: As of December 31, 2023 Well Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 636,327 10.428 % 5.000 % 4.000 % Common equity Tier 1 capital 636,327 18.280 6.500 7.000 Tier 1 risk-based capital 636,327 18.280 8.000 8.500 Total risk-based capital 679,924 19.532 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 The following is a summary of actual capital amounts and ratios as of December 31, 2023 and 2022 for TrustCo on a consolidated basis. As of December 31, 2023 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 657,968 10.780 % 4.000 % Common equity Tier 1 capital 657,968 18.896 7.000 Tier 1 risk-based capital 657,968 18.896 8.500 Total risk-based capital 701,577 20.149 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 December 31, 2023 and 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2023
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax	The following is a summary of the accumulated other comprehensive income (loss) balances, net of tax: December 31, 2023 (dollars in thousands) Balance at 12/31/2022 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2023 Balance at 12/31/2023 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (32,271 ) $ 8,372 $ - $ 8,372 $ (23,899 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 5,888 - 5,888 13,476 Net change in net actuarial gain and prior service cost on pension and pension and postretirement benefit plans, net of tax (2,511 ) - (303 ) (303 ) (2,814 ) Accumulated other comprehensive (loss) income, net of tax $ (27,194 ) $ 14,260 $ (303 ) $ 13,957 $ (13,237 ) December 31, 2022 (dollars in thousands) Balance at 12/31/2021 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2022 Balance at 12/31/2022 Net unrealized holding gain on securities available for sale, net of tax $ (26 ) $ (32,245 ) $ - $ (32,245 ) $ (32,271 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,706 (6,118 ) - (6,118 ) 7,588 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,533 ) - (978 ) (978 ) (2,511 ) Accumulated other comprehensive income (loss), net of tax $ 12,147 $ (38,363 ) $ (978 ) $ (39,341 ) $ (27,194 ) December 31, 2021 (dollars in thousands) Balance at 12/31/2020 Other Comprehensive Income (loss)- Before Reclassifications Amount reclassified from Accumulated Other Comprehensive Income Other Comprehensive Income (loss)- year ended 12/31/2021 Balance at 12/31/2021 Net unrealized holding (loss) gain on securities available for sale, net of tax $ 7,186 $ (7,212 ) $ - $ (7,212 ) $ (26 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 6,084 7,622 - 7,622 13,706 Net change in net actuarial gain and prior service credit on pension and pension and postretirement benefit plans, net of tax (1,334 ) - (199 ) (199 ) (1,533 ) Accumulated other comprehensive income, net of tax $ 11,936 $ 410 $ (199 ) $ 211 $ 12,147
Reclassifications out of Accumulated Other Comprehensive Income (Loss)	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2023, 2022 and 2021: (dollars in thousands) Years ended December 31, 2023 2022 2021 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain 423 1,008 674 Salaries and employee benefits Amortization of prior service (cost) credit (13 ) 313 (405 ) Salaries and employee benefits Income tax benefit (107 ) (343 ) (70 ) Income taxes Net of tax 303 978 199 Total reclassifications, net of tax $ 303 $ 978 $ 199

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	12 Months Ended
	Dec. 31, 2023
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	The following table presents the Company’s sources of Non-Interest Income for the years ended December 31, 2023, 2022 and 2021. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) December 31, 2023 2022 2021 Non-interest income Service Charges on Deposits Overdraft fees $ 2,939 $ 2,708 $ 2,660 Other 2,110 2,044 1,940 Interchange Income 5,819 6,348 5,281 Wealth management fees 6,425 7,037 7,358 Other (a) 1,022 1,123 698 Total non-interest income $ 18,315 $ 19,260 $ 17,937 (a) Not within the scope of ASC 606

Operating Leases (Tables)

Operating Leases (Tables)	12 Months Ended
	Dec. 31, 2023
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) 2023 2022 2021 Operating lease cost $ 8,165 $ 8,213 $ 8,128 Variable lease cost 2,226 2,183 2,015 Total Lease costs $ 10,391 $ 10,396 $ 10,143
Supplemental Cash Flows Information	Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 8,393 $ 8,327 $ 8,192 Right-of-use assets obtained in exchange for lease obligations: $ 2,487 $ 3,089 $ 6,588 Weighted average remaining lease term (years) 8.5 8.9 9.3 Weighted average discount rate 3.1 % 3.0 % 3.0 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of December 31, 2023 were as follows: (dollars in thousands) Year ending December 31, 2024 $ 8,479 2025 8,078 2026 7,104 2027 5,867 2028 4,679 Thereafter 16,485 Total lease payments $ 50,692 Less: Interest 6,221 Present value of lease liabilities $ 44,471

Parent Company Only (Tables)

Parent Company Only (Tables)	12 Months Ended
	Dec. 31, 2023
Parent Company Only [Abstract]
Statements of Comprehensive Income	Statements of Comprehensive Income (dollars in thousands) Years ended December 31, 2023 2022 2021 Income: Dividends and interest from subsidiaries $ 34,220 $ 34,125 $ 34,096 Net gain on securities transactions - - - Miscellaneous income - - - Total income 34,220 34,125 34,096 Expense: Operating supplies - - 21 Professional services 972 585 819 Miscellaneous expense 1,371 1,752 3,419 Total expense 2,343 2,337 4,259 Income before income taxes and subsidiaries’ undistributed earnings 31,877 31,788 29,837 Income tax benefit (530 ) (559 ) (972 ) Income before subsidiaries’ undistributed earnings 32,407 32,347 30,809 Equity in undistributed earnings of subsidiaries 26,239 42,887 30,710 Net income $ 58,646 $ 75,234 $ 61,519 Change in other comprehensive income 13,957 (39,341 ) 211 Comprehensive income $ 72,603 $ 35,893 $ 61,730
Statements of Condition	Statements of Condition (dollars in thousands) December 31, 2023 2022 Assets: Cash in subsidiary bank $ 28,547 $ 25,079 Investments in subsidiaries 623,658 583,370 Securities available for sale 48 36 Other assets 869 809 Total assets 653,122 609,294 Liabilities and shareholders’ equity: Accrued expenses and other liabilities 7,837 9,307 Total liabilities 7,837 9,307 Shareholders’ equity 645,285 599,987 Total liabilities and shareholders’ equity $ 653,122 $ 609,294
Statements of Cash Flows	Statements of Cash Flows (dollars in thousands) Years ended December 31, 2023 2022 2021 Increase/(decrease) in cash and cash equivalents: Cash flows from operating activities: Net income $ 58,646 $ 75,234 $ 61,519 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (26,239 ) (42,887 ) (30,710 ) Stock based compensation expense - - - Net change in other assets and accrued expenses (1,563 ) (440 ) 354 Total adjustments (27,802 ) (43,327 ) (30,356 ) Net cash provided by operating activities 30,844 31,907 31,163 Cash flows from investing activities: Purchases of securities available for sale - - - Net cash used in investing activities - - - Cash flows from financing activities: Cash used to settle fractional shares in the Reverse Stock Split - - (200 ) Proceeds from exercise of stock options - 429 260 Dividends paid (27,376 ) (26,978 ) (26,266 ) Payments to acquire treasury stock - (7,004 ) (2,386 ) Proceeds from sales of treasury stock - - - Net cash used in financing activities (27,376 ) (33,553 ) (28,592 ) Net increase in cash and cash equivalents 3,468 (1,646 ) 2,571 Cash and cash equivalents at beginning of year 25,079 26,725 24,154 Cash and cash equivalents at end of year $ 28,547 $ 25,079 $ 26,725

Basis of Presentation, Reverse

Basis of Presentation, Reverse Stock Split (Details)		May 28, 2021 $ / shares	Dec. 31, 2023 $ / shares	Dec. 31, 2022 $ / shares
Reverse Stock Split [Abstract]
Reverse stock split ratio	[1]	0.2
Common stock, par value (in dollars per share)		$ 1	$ 1	$ 1
[1]All periods presented have been adjusted for the 1 for 5

Basis of Presentation, Securiti

Basis of Presentation, Securities Available for Sale and Held to Maturity (Debt Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Securities Available for Sale and Held to Maturity [Abstract]
Non-payment period of loans moved to non-accrual status, debt securities	90 days
Allowance for credit losses on securities held to maturity	$ 0	$ 0

Basis of Presentation, Loans (D

Basis of Presentation, Loans (Details)	12 Months Ended
	Dec. 31, 2023
Loans [Abstract]
Non-payment period of loans moved to non-accrual status	90 days
Non accrual loans review and charge off period	180 days

Basis of Presentation, Allowanc

Basis of Presentation, Allowance for Credit Losses on Loans (Details)	12 Months Ended
	Dec. 31, 2023
Allowance for Credit Losses on Loans [Abstract]
Period considered for reasonable and supportable forecast	24 months
Non-payment period of non-accrual loans for individual assessment	180 days
Deferral period of chapter 13 bankruptcies	60 months

Basis of Presentation, Bank Pre

Basis of Presentation, Bank Premises and Equipment (Details)	Dec. 31, 2023
Buildings [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	20 years
Buildings [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	40 years
Furniture and Equipment [Member] | Minimum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	3 years
Furniture and Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Abstract]
Premises and equipment, useful life	7 years

Basis of Presentation, Other Re

Basis of Presentation, Other Real Estate Owned (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Other Real Estate Owned [Abstract]
Other real estate owned	$ 194	$ 2,100

Basis of Presentation, Dividend

Basis of Presentation, Dividend Restrictions (Details) $ in Millions	Dec. 31, 2024 USD ($)
Plan [Member]
Dividend Restrictions [Abstract]
Statutory amount available for dividend payments with regulatory approval	$ 99.8

Basis of Presentation, Benefit

Basis of Presentation, Benefit Plans (Details)	12 Months Ended
	Dec. 31, 2023
Benefit Plans [Abstract]
Age at which company provides access to Medicare Supplemental program for retirees	65 years

Basis of Presentation, Segment

Basis of Presentation, Segment Reporting (Details)	12 Months Ended
	Dec. 31, 2023 Segment
Segment Reporting [Abstract]
Number of reportable segment	1

Basis of Presentation, Recently

Basis of Presentation, Recently Adopted Accounting Standards (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Recently Adopted Accounting Standards [Abstract]
Allowance for credit losses on securities available for sale	$ 0	$ 0
Allowance for credit losses on securities held to maturity	0	0
Assets [Abstract]
Less: Allowance for credit losses on loans	48,578	46,032	$ 44,267	$ 49,595
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)	179
Undivided Profits	425,069	393,831
Pre-CECL Adoption [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans			44,267
Allowance for credit losses on securities			0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)			0
Total			44,285
Undivided Profits			349,056
Unfunded Loan Commitment [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans	$ 1,662	2,912	18
Unfunded Loan Commitment [Member] | Pre-CECL Adoption [Member]
Liabilities and Shareholders' Equity [Abstract]
Other liabilities (ACL unfunded loan commitments)			18
ASU 2016-13 [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans		46,620	46,620
Allowance for credit losses on securities			0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)			0
Total			48,973
Undivided Profits			345,586
ASU 2016-13 [Member] | Impact of Adoption [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans		$ 2,353
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans			2,353
Liabilities and Shareholders' Equity [Abstract]
Other liabilities (ACL unfunded loan commitments)			2,353
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member] | Impact of Adoption [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans			2,335
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Recently Adopted Accounting Standards [Abstract]
Allowance for credit losses on securities available for sale			0
Allowance for credit losses on securities held to maturity			0
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Impact of Adoption [Member]
Assets [Abstract]
Less: Allowance for credit losses on loans			2,353
Allowance for credit losses on securities			0
Liabilities and Shareholders' Equity [Abstract]
Tax Effect, net (included in other assets)			(1,218)
Total			3,470
Undivided Profits			(3,470)
ASU 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Unfunded Loan Commitment [Member] | Impact of Adoption [Member]
Liabilities and Shareholders' Equity [Abstract]
Other liabilities (ACL unfunded loan commitments)			$ 2,335

Cash and Cash Equivalents (Deta

Cash and Cash Equivalents (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Cash and Cash Equivalents [Abstract]
Federal reserve requirement	$ 0	$ 0

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 484,513	$ 525,030
Gross Unrealized Gains	286	35
Gross Unrealized Losses	32,510	43,552
Fair Value	452,289	481,513
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	121,728	124,123
Gross Unrealized Gains	5	1
Gross Unrealized Losses	3,065	5,937
Fair Value	118,668	118,187
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	26	34
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	26	34
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	263,182	291,431
Gross Unrealized Gains	270	34
Gross Unrealized Losses	25,775	31,149
Fair Value	237,677	260,316
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	80,150	85,641
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,098	4,295
Fair Value	78,052	81,346
Small Business Administration - Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	18,740	23,115
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,554	2,138
Fair Value	17,186	20,977
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	687	686
Gross Unrealized Gains	11	0
Gross Unrealized Losses	18	33
Fair Value	$ 680	$ 653

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized Cost [Abstract]
Due in one year or less	$ 70,701
Due in after one year through five years	131,890
Amortized Cost	484,513	$ 525,030
Fair Value [Abstract]
Due in one year or less	70,059
Due in after one year through five years	127,367
Total securities available for sale	452,289	481,513
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	263,182
Amortized Cost	263,182	291,431
Fair Value [Abstract]
Securities, fair value	237,677
Total securities available for sale	237,677	260,316
Small Business Administration - Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	18,740
Amortized Cost	18,740	23,115
Fair Value [Abstract]
Securities, fair value	17,186
Total securities available for sale	$ 17,186	$ 20,977

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 0	$ 276,277
12 months or more - Fair Value	439,923	197,631
Total - Fair Value	439,923	473,908
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	16,767
12 months or more - Gross Unrealized Loss	32,510	26,785
Total - Gross Unrealized Loss	32,510	43,552
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	57,849
12 months or more - Fair Value	116,163	55,337
Total - Fair Value	116,163	113,186
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	1,290
12 months or more - Gross Unrealized Loss	3,065	4,647
Total - Gross Unrealized Loss	3,065	5,937
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	164,772
12 months or more - Fair Value	227,891	93,009
Total - Fair Value	227,891	257,781
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	13,010
12 months or more - Gross Unrealized Loss	25,775	18,139
Total - Gross Unrealized Loss	25,775	31,149
Mortgage Backed Securities and Collateralized Mortgage Obligations - Commercial [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value		0
12 months or more - Fair Value		0
Total - Fair Value		0
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		0
Total - Gross Unrealized Loss		0
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	52,805
12 months or more - Fair Value	78,052	28,542
Total - Fair Value	78,052	81,347
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	2,395
12 months or more - Gross Unrealized Loss	2,098	1,900
Total - Gross Unrealized Loss	2,098	4,295
Small Business Administration - Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	802
12 months or more - Fair Value	17,186	20,175
Total - Fair Value	17,186	20,977
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	71
12 months or more - Gross Unrealized Loss	1,554	2,067
Total - Gross Unrealized Loss	1,554	2,138
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	49
12 months or more - Fair Value	631	568
Total - Fair Value	631	617
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	1
12 months or more - Gross Unrealized Loss	18	32
Total - Gross Unrealized Loss	$ 18	$ 33

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Proceeds from sales, calls/paydowns and maturities of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0	$ 0
Proceeds from calls/paydowns	53,503	68,954	148,609
Proceeds from maturities	5,008	15,057	9,162
Gross realized losses	0	0	0
Gross realized gains	0	0	$ 0
Securities available for sale pledged to secure short-term borrowings and for other purposes	155,300	171,400
Available-for-sale, allowance for credit loss	$ 0	$ 0

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 6,458	$ 7,707
Gross Unrecognized Gains	74	90
Gross Unrecognized Losses	136	217
Fair Value	6,396	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	6,458	7,707
Gross Unrecognized Gains	74	90
Gross Unrecognized Losses	136	217
Fair Value	$ 6,396	$ 7,580

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Amortized Cost [Abstract]
Amortized Cost	$ 6,458	$ 7,707
Fair Value [Abstract]
Fair Value	6,396	7,580
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	6,458
Amortized Cost	6,458	7,707
Fair Value [Abstract]
Securities, fair value	6,396
Fair Value	$ 6,396	$ 7,580

Investment Securities, Held-t_3

Investment Securities, Held-to-maturity Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	$ 283	$ 3,327
More than 12 months - Fair value	2,703	258
Fair Value	2,986	3,585
Held-to-maturity, allowance for credit loss	0	0
Held to maturity securities on non-accrual status	0	0
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	3	206
More than 12 months - Gross Unrecognized Loss	133	11
Gross Unrecognized Losses	136	217
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	283	3,327
More than 12 months - Fair value	2,703	258
Fair Value	2,986	3,585
Unrealized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	3	206
More than 12 months - Gross Unrecognized Loss	133	11
Gross Unrecognized Losses	$ 136	$ 217

Investment Securities, Concentr

Investment Securities, Concentrations (Details) - Stockholders' Equity [Member] $ in Thousands	Dec. 31, 2023 USD ($)
Corporate Bonds [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	$ 80,150
Fair value	78,052
Federal National Mortgage Association [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	165,146
Fair value	149,532
Federal Home Loan Mortgage Corporation [Member]
Securities Held in Available for Sale and Held to Maturity Portfolios that Represent Greater than 10% of Shareholders Equity [Abstract]
Amortized cost	103,230
Fair value	$ 95,243

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable [Abstract]
Total loans		$ 5,002,879	$ 4,733,201
Allowance for credit losses		48,578	46,032	$ 44,267	$ 49,595
Net loans		4,954,301	4,687,169
Due from officers		$ 29,300	$ 20,500
Other Receivable, after Allowance for Credit Loss, Related Party, Type [Extensible Enumeration]		srt:OfficerMember	srt:OfficerMember
New loans		$ 16,000
Repayments of loans		7,200
Changes in outstanding loans		0
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	3,259,038	$ 3,219,914
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,743,841	1,513,287
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		29,100	36,400
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans		8,000	14,100
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans		21,100	22,300
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans		273,515	231,011
Allowance for credit losses		2,735	2,596	3,135	4,140
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans		252,255	209,922
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	212,754	177,371
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		39,501	32,551
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans		21,260	21,089
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	20,863	20,221
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		397	868
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		620	1,000
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,712,478	4,489,883
Allowance for credit losses		45,625	43,271	40,689	44,950
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans		4,307,105	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]	2,756,914	2,776,989
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		1,550,191	1,369,913
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans		57,958	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]	44,152	43,999
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		13,806	12,550
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans		347,415	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]	212,298	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		135,117	94,506
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans		16,886	12,307
Allowance for credit losses		218	165	$ 443	$ 505
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans	[1]	12,057	9,408
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans		$ 4,829	$ 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 Loan Losses (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 46,032	$ 44,267	$ 49,595
Loans charged off [Abstract]
Total loan charge offs		547	152	430
Recoveries of loans previously charged off [Abstract]
Total recoveries		593	464	552
Net loans (recoveries) charged off		(46)	(312)	(122)
(Credit) provision for credit losses		2,500	(900)	(5,450)
Balance at end of period		48,578	46,032	44,267
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	468	151	427
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	566	461	550
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		79	1	3
Recoveries of loans previously charged off [Abstract]
Total recoveries		27	3	2
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		2,596	3,135	4,140
Loans charged off [Abstract]
Total loan charge offs		0	40	30
Recoveries of loans previously charged off [Abstract]
Total recoveries		129	4	32
Net loans (recoveries) charged off		(129)	36	(2)
(Credit) provision for credit losses		10	483	(1,007)
Balance at end of period		2,735	2,596	3,135
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	0	40	30
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	129	4	32
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		43,271	40,689	44,950
Loans charged off [Abstract]
Total loan charge offs		371	24	340
Recoveries of loans previously charged off [Abstract]
Total recoveries		417	450	466
Net loans (recoveries) charged off		(46)	(426)	(126)
(Credit) provision for credit losses		2,308	(1,561)	(4,387)
Balance at end of period		45,625	43,271	40,689
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	371	24	339
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	392	450	464
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	1
Recoveries of loans previously charged off [Abstract]
Total recoveries		25	0	2
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		165	443	505
Loans charged off [Abstract]
Total loan charge offs		176	88	60
Recoveries of loans previously charged off [Abstract]
Total recoveries		47	10	54
Net loans (recoveries) charged off		129	78	6
(Credit) provision for credit losses		182	178	(56)
Balance at end of period		218	165	443
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	97	87	58
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	45	7	54
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		79	1	2
Recoveries of loans previously charged off [Abstract]
Total recoveries		2	3	0
ASU 2016-13 [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		46,620	46,620
Recoveries of loans previously charged off [Abstract]
Balance at end 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
Recoveries of loans previously charged off [Abstract]
Balance at end of period			2,149
ASU 2016-13 [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		44,406
Recoveries of loans previously charged off [Abstract]
Balance at end of period			44,406
ASU 2016-13 [Member] | Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		65
Recoveries of loans previously charged off [Abstract]
Balance at end of period			65
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		2,353
Recoveries of loans previously charged off [Abstract]
Balance at end of period			2,353
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)
Recoveries of loans previously charged off [Abstract]
Balance at end of period			(986)
ASU 2016-13 [Member] | Impact of Adoption [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		3,717
Recoveries of loans previously charged off [Abstract]
Balance at end of period			3,717
ASU 2016-13 [Member] | Impact of Adoption [Member] | Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ (378)
Recoveries of loans previously charged off [Abstract]
Balance at end of period			$ (378)
[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	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	48,578	46,032
Total ending allowance balance	48,578	46,032	$ 44,267	$ 49,595
Loans [Abstract]
Individually evaluated for impairment	24,729	25,695
Collectively evaluated for impairment	4,978,150	4,707,506
Total loans	5,002,879	4,733,201
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,735	2,596
Total ending allowance balance	2,735	2,596	3,135	4,140
Loans [Abstract]
Individually evaluated for impairment	957	646
Collectively evaluated for impairment	272,558	230,365
Total loans	273,515	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	45,625	43,271
Total ending allowance balance	45,625	43,271	40,689	44,950
Loans [Abstract]
Individually evaluated for impairment	23,628	24,967
Collectively evaluated for impairment	4,688,850	4,464,916
Total loans	4,712,478	4,489,883
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	218	165
Total ending allowance balance	218	165	$ 443	$ 505
Loans [Abstract]
Individually evaluated for impairment	144	82
Collectively evaluated for impairment	16,742	12,225
Total loans	$ 16,886	$ 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	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 46,032	$ 44,267
Balance at end of period	48,578	46,032
Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	2,912	18
(Credit) provision for credit losses	(1,250)	559
Balance at end of period	1,662	2,912
ASU 2016-13 [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	46,620	46,620
Balance at end of period		46,620
ASU 2016-13 [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period		2,353
ASU 2016-13 [Member] | Impact of Adoption [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 2,353
Balance at end of period		2,353
ASU 2016-13 [Member] | Impact of Adoption [Member] | Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period		$ 2,335

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	$ 5,002,879	$ 4,733,201
Current-period Gross writeoffs	547	152	$ 430
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	273,515	231,011
Current-period Gross writeoffs	0	40	30
Commercial [Member] | Commercial Real Estate [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	61,148	79,430
2022/2021	82,339	29,991
2021/2020	23,940	18,883
2020/2019	16,695	22,790
2019/2018	19,835	16,969
Prior	42,634	33,837
Revolving Loans Amortized Cost Basis	5,664	8,022
Revolving Loan Converted to Term	0	0
Total loans	252,255	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	61,148	79,430
2022/2021	82,339	29,991
2021/2020	23,940	18,708
2020/2019	16,653	22,790
2019/2018	19,835	16,598
Prior	41,153	32,666
Revolving Loans Amortized Cost Basis	5,664	8,022
Revolving Loan Converted to Term	0	0
Total loans	250,732	208,205
Commercial [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	0
2022/2021	0	0
2021/2020	0	62
2020/2019	42	0
2019/2018	0	243
Prior	225	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	267	305
Commercial [Member] | Commercial Real Estate [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	0
2022/2021	0	0
2021/2020	0	113
2020/2019	0	0
2019/2018	0	128
Prior	1,256	1,171
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	1,256	1,412
Commercial [Member] | Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	7,873	2,972
2022/2021	2,164	3,187
2021/2020	2,261	2,273
2020/2019	1,386	590
2019/2018	321	674
Prior	2,739	2,446
Revolving Loans Amortized Cost Basis	4,516	8,947
Revolving Loan Converted to Term	0	0
Total loans	21,260	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	7,873	2,972
2022/2021	2,164	2,848
2021/2020	1,933	2,273
2020/2019	1,386	590
2019/2018	321	674
Prior	2,641	2,348
Revolving Loans Amortized Cost Basis	4,482	8,908
Revolving Loan Converted to Term	0	0
Total loans	20,800	20,613
Commercial [Member] | Other [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	34	39
Revolving Loan Converted to Term	0	0
Total loans	34	39
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	0
2022/2021	0	339
2021/2020	328	0
2020/2019	0	0
2019/2018	0	0
Prior	98	98
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	426	437
Real Estate Mortgage - 1 to 4 Family [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	4,712,478	4,489,883
Current-period Gross writeoffs	371	24	340
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	417,261	557,981
2022/2021	565,811	934,250
2021/2020	878,119	784,592
2020/2019	733,027	368,981
2019/2018	343,678	258,277
Prior	1,366,167	1,241,349
Revolving Loans Amortized Cost Basis	3,042	1,472
Revolving Loan Converted to Term	0	0
Total loans	4,307,105	4,146,902
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	27	0
Prior	336	5
Revolving Loans Amortized Cost Basis Writeoffs	0	0
Revolving Loan Converted to Term Writeoffs	0	0
Current-period Gross writeoffs	363	5
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	417,197	557,981
2022/2021	565,601	933,754
2021/2020	877,736	784,511
2020/2019	732,798	368,137
2019/2018	342,559	257,926
Prior	1,354,867	1,228,776
Revolving Loans Amortized Cost Basis	3,042	1,472
Revolving Loan Converted to Term	0	0
Total loans	4,293,800	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	0
2022/2021	210	496
2021/2020	383	81
2020/2019	229	844
2019/2018	1,119	351
Prior	11,300	12,573
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	13,305	14,345
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	9,660	6,863
2022/2021	5,963	9,124
2021/2020	7,770	6,322
2020/2019	5,668	7,588
2019/2018	6,542	5,306
Prior	22,355	21,346
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	57,958	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	9,660	6,863
2022/2021	5,963	9,124
2021/2020	7,770	6,322
2020/2019	5,668	7,588
2019/2018	6,542	5,240
Prior	22,076	21,217
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	57,679	56,354
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	66
Prior	279	129
Revolving Loans Amortized Cost Basis	0	0
Revolving Loan Converted to Term	0	0
Total loans	279	195
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	355	1,369
2022/2021	641	1,253
2021/2020	256	740
2020/2019	131	52
2019/2018	10	100
Prior	18,777	20,488
Revolving Loans Amortized Cost Basis	327,245	262,430
Revolving Loan Converted to Term	0	0
Total loans	347,415	286,432
2023/2022	0	0
2022/2021	0	0
2021/2020	0	0
2020/2019	0	0
2019/2018	0	0
Prior	8	19
Revolving Loans Amortized Cost Basis Writeoffs	0	0
Revolving Loan Converted to Term Writeoffs	0	0
Current-period Gross writeoffs	8	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	355	1,369
2022/2021	641	1,246
2021/2020	248	740
2020/2019	75	52
2019/2018	10	100
Prior	15,964	18,377
Revolving Loans Amortized Cost Basis	327,059	262,244
Revolving Loan Converted to Term	0	0
Total loans	344,352	284,128
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	0
2022/2021	0	7
2021/2020	8	0
2020/2019	56	0
2019/2018	0	0
Prior	2,813	2,111
Revolving Loans Amortized Cost Basis	186	186
Revolving Loan Converted to Term	0	0
Total loans	3,063	2,304
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	8,473	6,405
2022/2021	4,641	2,512
2021/2020	1,535	805
2020/2019	360	774
2019/2018	261	374
Prior	608	309
Revolving Loans Amortized Cost Basis	1,008	1,128
Revolving Loan Converted to Term	0	0
Total loans	16,886	12,307
2023/2022	16	1
2022/2021	67	47
2021/2020	50	22
2020/2019	1	7
2019/2018	21	2
Prior	21	9
Revolving Loans Amortized Cost Basis Writeoffs	0	0
Revolving Loan Converted to Term Writeoffs	0	0
Current-period Gross writeoffs	176	88	$ 60
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	8,473	6,385
2022/2021	4,592	2,495
2021/2020	1,484	805
2020/2019	360	709
2019/2018	198	374
Prior	605	308
Revolving Loans Amortized Cost Basis	1,008	1,125
Revolving Loan Converted to Term	0	0
Total loans	16,720	12,201
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0	20
2022/2021	49	17
2021/2020	51	0
2020/2019	0	65
2019/2018	63	0
Prior	3	1
Revolving Loans Amortized Cost Basis	0	3
Revolving Loan Converted to Term	0	0
Total loans	$ 166	$ 106

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		$ 5,002,879	$ 4,733,201
Recorded Past Due loans			$ 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]	3,259,038	3,219,914
Recorded Past Due loans	[1]		3,219,914
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,743,841	1,513,287
Recorded Past Due loans			1,513,287
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		17,865
Recorded Past Due loans			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]	14,355
Recorded Past Due loans	[1]		14,609
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		3,510
Recorded Past Due loans			3,508
30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		6,510
Recorded Past Due loans			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]	4,947
Recorded Past Due loans	[1]		5,619
30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,563
Recorded Past Due loans			1,464
60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,212
Recorded Past Due loans			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]	1,128
Recorded Past Due loans	[1]		925
60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		84
Recorded Past Due loans			243
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		10,143
Recorded Past Due loans			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]	8,280
Recorded Past Due loans	[1]		8,065
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,863
Recorded Past Due loans			1,801
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		4,985,014
Recorded Past Due loans			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]	3,244,683
Recorded Past Due loans	[1]		3,205,305
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		1,740,331
Recorded Past Due loans			1,509,779
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		273,515	231,011
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		252,255	209,922
Recorded Past Due loans			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]	212,754	177,371
Recorded Past Due loans	[1]		177,371
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		39,501	32,551
Recorded Past Due loans			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		521
Recorded Past Due loans			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]	521
Recorded Past Due loans	[1]		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
Recorded Past Due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0
Recorded Past Due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	0
Recorded Past Due loans	[1]		0
Commercial [Member] | Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0
Recorded Past Due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0
Recorded Past Due loans			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
Recorded Past Due loans	[1]		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
Recorded Past Due loans			0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		521
Recorded Past Due loans			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]	521
Recorded Past Due loans	[1]		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
Recorded Past Due loans			0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		251,734
Recorded Past Due loans			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]	212,233
Recorded Past Due loans	[1]		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		39,501
Recorded Past Due loans			32,551
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		21,260	21,089
Recorded Past Due loans			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]	20,863	20,221
Recorded Past Due loans	[1]		20,221
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		397	868
Recorded Past Due loans			868
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		340
Recorded Past Due loans			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]	26
Recorded Past Due loans	[1]		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
Recorded Past Due loans			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
Recorded Past Due loans			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
Recorded Past Due loans	[1]		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
Recorded Past Due loans			0
Commercial [Member] | Other [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		26
Recorded Past Due loans			0
Commercial [Member] | Other [Member] | 60 - 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	26
Recorded Past Due loans	[1]		0
Commercial [Member] | Other [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		0
Recorded Past Due loans			0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		314
Recorded Past Due loans			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
Recorded Past Due loans	[1]		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
Recorded Past Due loans			314
Commercial [Member] | Other [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		20,920
Recorded Past Due loans			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]	20,837
Recorded Past Due loans	[1]		20,183
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		83
Recorded Past Due loans			554
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		4,712,478	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		4,307,105	4,146,902
Recorded Past Due loans			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]	2,756,914	2,776,989
Recorded Past Due loans	[1]		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		1,550,191	1,369,913
Recorded Past Due loans			1,369,913
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		13,950
Recorded Past Due loans			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]	11,149
Recorded Past Due loans	[1]		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		2,801
Recorded Past Due loans			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		5,620
Recorded Past Due loans			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]	4,330
Recorded Past Due loans	[1]		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		1,290
Recorded Past Due loans			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		889
Recorded Past Due loans			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]	811
Recorded Past Due loans	[1]		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		78
Recorded Past Due loans			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		7,441
Recorded Past Due loans			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]	6,008
Recorded Past Due loans	[1]		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		1,433
Recorded Past Due loans			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		4,293,155
Recorded Past Due loans			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]	2,745,765
Recorded Past Due loans	[1]		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		1,547,390
Recorded Past Due loans			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		57,958	56,549
Recorded Past Due loans			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]	44,152	43,999
Recorded Past Due loans	[1]		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		13,806	12,550
Recorded Past Due loans			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		394
Recorded Past Due loans			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]	315
Recorded Past Due loans	[1]		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		79
Recorded Past Due loans			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		93
Recorded Past Due loans			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]	20
Recorded Past Due loans	[1]		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		73
Recorded Past Due loans			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		144
Recorded Past Due 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]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	138
Recorded Past Due loans	[1]		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		6
Recorded Past Due loans			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		157
Recorded Past Due loans			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]	157
Recorded Past Due loans	[1]		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
Recorded Past Due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		57,564
Recorded Past Due loans			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]	43,837
Recorded Past Due loans	[1]		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		13,727
Recorded Past Due loans			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		347,415	286,432
Recorded Past Due loans			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]	212,298	191,926
Recorded Past Due loans	[1]		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		135,117	94,506
Recorded Past Due loans			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		2,465
Recorded Past Due loans			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]	2,225
Recorded Past Due loans	[1]		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		240
Recorded Past Due loans			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		775
Recorded Past Due loans			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]	591
Recorded Past Due loans	[1]		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		184
Recorded Past Due loans			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		135
Recorded Past Due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans	[1]	135
Recorded Past Due loans	[1]		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
Recorded Past Due loans			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		1,555
Recorded Past Due loans			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]	1,499
Recorded Past Due loans	[1]		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		56
Recorded Past Due loans			0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		344,950
Recorded Past Due loans			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]	210,073
Recorded Past Due loans	[1]		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		134,877
Recorded Past Due loans			94,282
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		16,886	12,307
Recorded Past Due loans			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]	12,057	9,408
Recorded Past Due loans	[1]		9,408
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		4,829	2,899
Recorded Past Due loans			2,899
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		195
Recorded Past Due loans			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]	119
Recorded Past Due loans	[1]		105
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		76
Recorded Past Due loans			89
Installment [Member] | 30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		22
Recorded Past Due loans			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]	6
Recorded Past Due loans	[1]		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		16
Recorded Past Due loans			6
Installment [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		18
Recorded Past Due loans			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]	18
Recorded Past Due loans	[1]		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		0
Recorded Past Due loans			0
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		155
Recorded Past Due loans			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]	95
Recorded Past Due loans	[1]		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
Recorded Past Due loans			83
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		16,691
Recorded Past Due loans			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]	11,938
Recorded Past Due loans	[1]		9,303
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded Past Due loans		$ 4,753
Recorded Past Due loans			$ 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		Dec. 31, 2023	Dec. 31, 2022
Non accrual loans by loan class [Abstract]
Other real estate owned		$ 194	$ 2,100
Total non-accrual loans		17,663	17,483
Restructured real estate mortgages - 1 to 4 family		3	10
Total nonperforming loans		17,666	17,493
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	15,062	15,191
Restructured real estate mortgages - 1 to 4 family	[1]	3	10
Total nonperforming loans	[1]	15,065	15,201
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,601	2,292
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		2,601	2,292
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure		6,600	7,400
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		536	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]	536	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		13,305	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]	11,324	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		1,981	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		279	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]	235	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		44	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		3,063	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]	2,816	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		247	117
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		166	106
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	151	23
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 15	$ 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	Dec. 31, 2023	Dec. 31, 2022
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Non-accrual With No Allowance for Credit Loss	$ 16,244	$ 16,150
Non-accrual	1,419	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	536	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	12,584	13,502
Non-accrual	721	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	271	129
Non-accrual	8	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	2,395	2,257
Non-accrual	668	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	144	82
Non-accrual	22	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	Dec. 31, 2023	Dec. 31, 2022
Loans and Leases Receivable [Abstract]
Total loans	$ 5,002,879	$ 4,733,201
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	24,729	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	273,515	231,011
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	252,255	209,922
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	643	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	21,260	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	4,712,478	4,489,883
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans	4,307,105	4,146,902
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	20,018	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	57,958	56,549
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	371	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	347,415	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	3,239	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	16,886	12,307
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans	144	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		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022
Financing Receivable Modifications Information [Abstract]
Loan modifications classifications from previously performing loans		$ 8,300	$ 9,200
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.03%
New York and Other States [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0.03%
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		0.03%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0.03%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [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]
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]
% of Total Class of Financing Receivable	[1]	0.02%
Payment Delay [Member]
Financing Receivable Modifications [Abstract]
Loans modified		$ 1,283
Payment Delay [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	945
Payment Delay [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		338
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0
Payment Delay [Member] | Commercial [Member] | Other [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0
Payment Delay [Member] | Commercial [Member] | Other [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0
Payment Delay [Member] | Commercial [Member] | Other [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Modifications [Abstract]
Loans modified		1,233
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]	895
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		338
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Modifications [Abstract]
Loans modified		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
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Modifications [Abstract]
Loans modified		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]	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
Payment Delay [Member] | Installment [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0
Payment Delay [Member] | Installment [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0
Payment Delay [Member] | Installment [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		$ 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	Dec. 31, 2023 USD ($)
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	$ 1,283
New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	945	[1]
Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	338
30 - 59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	152
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	152	[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	52
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	52	[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	1,079
Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	741	[1]
Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	338
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	1,233
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	895	[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	338
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	152
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	152	[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	52
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	52	[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	1,029
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	691	[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	338
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) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Loan commitments to lend additional funds to borrowers	$ 0
Charge-off from loan modifications	0
Allowance for credit loss from loan modifications	0
Loan modifications from payment default	$ 0
Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	63 months
New York and Other States [Member] | Payment Delay [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	39 months	[1]
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	45 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	21 months	[1]
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	18 months	[1]
[1] Includes New York, New Jersey, Vermont and Massachusetts.

Bank Premises and Equipment (De

Bank Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 138,110	$ 133,866
Accumulated depreciation and amortization	(104,104)	(101,310)
Total	34,007	32,556
Depreciation and amortization expense	4,100	4,100	$ 4,200
Occupancy expense of the Bank's premises included rental expense	8,165	8,213	$ 8,128
Land [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	2,444	2,426
Buildings [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	36,347	36,260
Furniture, Fixtures and Equipment [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	62,901	60,320
Leasehold Improvements [Member]
Property Plant and Equipment Information [Abstract]
Total bank premises and equipment	$ 36,418	$ 34,860

Deposits (Details)

Deposits (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest Expense, Deposits [Abstract]
Interest bearing checking accounts	$ 382	$ 190	$ 178
Savings accounts	2,531	920	624
Time deposits and money market accounts	50,439	4,617	5,863
Total	53,352	5,727	$ 6,665
Maturity of Time Deposits [Abstract]
Under 1 year	1,715,122
1 to 2 years	26,971
2 to 3 years	1,122
3 to 4 years	91,716
4 to 5 years	1,061
Over 5 years	32
Total time deposits	1,836,024	1,028,763
Amount included in time deposits with balance in excess of $250,000	$ 474,400	$ 250,000

Borrowings (Details)

Borrowings (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Short-term Debt [Abstract]
Amount outstanding	$ 88,990	$ 122,700
Federal Home Loan Bank of New York [Member]
Short-term Debt [Abstract]
Amount outstanding	0	0
Available borrowing capacity	938,600
Cash Management [Member]
Short-term Debt [Abstract]
Amount outstanding	88,990	122,700	$ 244,686
Maximum amount outstanding at any month end	134,293	253,219	244,686
Average amount outstanding	$ 114,639	$ 177,599	$ 232,815
Weighted average interest rate, For the year	0.88%	0.42%	0.39%
Weighted average interest rate, As of year end	0.86%	0.86%	0.37%

Income Taxes (Details)

Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Current tax expense [Abstract]
Federal	$ 15,224	$ 17,136	$ 17,657
State	1,587	2,933	3,195
Total current tax expense	16,811	20,069	20,852
Deferred tax (benefit) expense	2,156	4,114	(238)
Total income tax expense	18,967	24,183	20,614
Components of deferred tax assets and liabilities [Abstract]
Benefits and deferred remuneration	(9,490)	(8,478)
Difference in reporting the allowance for credit losses, net	12,995	12,424
Other income or expense not yet reported for tax purposes	(1,188)	420
Depreciable assets	(2,496)	(2,389)
Net deferred tax asset at end of year		1,977	4,873
Net deferred tax liability at end of year	(179)
Impact of ASU 2016-13, Current Expected Credit Loss (CECL)	0	1,218
Net deferred tax asset at beginning of year	1,977	4,873
Deferred tax expense	2,156	4,114	$ (238)
Deferred tax assets, unrealized losses on available-for-sale securities	8,400	11,300
Deferred tax liabilities, unrecognized overfunded position in company's pension and postretirement benefit plans	$ 3,700	$ 1,800
Reconciliation from statutory federal income tax rate to effective tax rate [Abstract]
Statutory federal income tax rate	21%	21%	21%
Increase/(decrease) in taxes resulting from [Abstract]
State income tax, net of federal tax benefit	3.10%	3%	3.20%
Other items	0.30%	0.30%	0.90%
Effective income tax rate	24.40%	24.30%	25.10%
Uncertain tax positions	$ 0	$ 0
Federal [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2020
Federal [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2023
New York State [Member] | Minimum [Member]
Open Tax Years [Abstract]
Open tax year	2020
New York State [Member] | Maximum [Member]
Open Tax Years [Abstract]
Open tax year	2023

Benefit Plans, Change in Projec

Benefit Plans, Change in Projected Benefit Obligation, Plan Assets and Funded Status Reconciliation (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($) h yr	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Change in plan assets and reconciliation of funded status [Roll Forward]
Company contributions	$ 0	$ 0
Retirement Plan [Member]
Defined benefit plan [Abstract]
Requisite minimum period of employment	1 year
Requisite minimum hours of service | h	1,000
Number of consecutive years in highest compensation preceding retirement | yr	5
Period preceding retirement considered in calculating benefits	10 years
Change in benefit obligation [Roll Forward]
Accumulated benefit obligation at beginning of year	$ 23,042	30,905
Interest cost	1,213	888	$ 856
Benefit payments and expected expenses	(1,741)	(1,823)
Net actuarial loss (gain)	645	(6,928)
Accumulated benefit obligation at end of year	23,159	23,042	30,905
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	52,673	63,066
Actual gain (loss) on plan assets	8,747	(8,532)
Benefit payments and actual expenses	(1,779)	(1,861)
Fair value of plan assets at end of year	59,641	52,673	63,066
Funded status at end of year	36,482	29,631
Postretirement Benefits [Member]
Change in benefit obligation [Roll Forward]
Accumulated benefit obligation at beginning of year	4,893	7,016
Interest cost	271	207	190
Net actuarial loss (gain)	527	(2,276)
Accumulated benefit obligation at end of year	5,628	4,893	7,016
Change in plan assets and reconciliation of funded status [Roll Forward]
Fair Value of plan assets at beginning of year	28,988	33,344
Actual gain (loss) on plan assets	4,260	(4,341)
Company contributions	50	57
Benefits paid and actual expenses	(74)	(72)
Fair value of plan assets at end of year	33,224	28,988	$ 33,344
Funded status at end of year	$ 27,596	$ 24,095

Benefit Plans, Plan Disclosures

Benefit Plans, Plan Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Amortization of prior service credit (cost)	$ (13)	$ 313	$ (405)
Prior service cost		0
Retirement Plan [Member]
Amounts recognized in accumulated other comprehensive income (loss) [Abstract]
Net actuarial loss (gain)	6,550	1,170
Accumulated benefit obligation for pension benefits	23,200	23,000
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Service cost	0	0	0
Interest cost	1,213	888	856
Expected return on plan assets	(2,684)	(3,227)	(2,846)
Amortization of net loss (gain)	0	0	0
Net periodic pension credit	(1,471)	(2,339)	(1,990)
Net actuarial (gain) loss included in other comprehensive income (loss)	(5,380)	4,869	(7,439)
Amortization of prior service credit (cost)	0	0
Prior service cost		0
Total amount recognized in other comprehensive loss	(5,380)	4,869	(7,439)
Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss)	(6,851)	2,530	(9,429)
Postretirement Benefits [Member]
Amounts recognized in accumulated other comprehensive income (loss) [Abstract]
Net actuarial loss (gain)	(7,912)	(5,760)
Prior service cost	68	81
Total	(7,844)	(5,679)
Components of the net periodic pension income and other amounts recognized in other comprehensive income (Loss) [Abstract]
Service cost	11	18	75
Interest cost	271	207	190
Expected return on plan assets	(1,157)	(1,332)	(1,163)
Amortization of net loss (gain)	(423)	(1,008)	(674)
Amortization of prior service cost (credit)	13	(313)	405
Net periodic pension credit	(1,285)	(2,428)	(1,167)
Net actuarial (gain) loss included in other comprehensive income (loss)	(2,575)	3,397	(3,469)
Amortization of prior service credit (cost)	(13)	313	(405)
Prior service cost	0	0	611
Amortization of net gain	423	1,008	674
Total amount recognized in other comprehensive loss	(2,165)	4,718	(2,589)
Total recognized in net periodic benefit (credit) cost and other comprehensive income (loss)	(3,450)	$ 2,290	$ (3,756)
Amounts of net gain that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	734
Amount of prior service credit that will be amortized from accumulated other comprehensive income (loss) in next fiscal year	$ 13

Benefit Plans, Estimated Future

Benefit Plans, Estimated Future Benefit Payments, Assumptions and Change in Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Change in benefit obligation [Rollforward]
Prior service cost		$ 0
Retirement Plan [Member]
Estimated future benefit payments [Abstract]
2024	$ 1,706
2025	1,721
2026	1,746
2027	1,747
2028	1,794
2029 - 2033	$ 8,715
Assumptions used to determine benefit obligation [Abstract]
Discount rate	5.18%	5.44%	2.96%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	5.44%	2.96%	2.65%
Expected long-term rate of return on assets, net of tax	5.25%	5.25%	5.25%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 23,042	$ 30,905
Service cost	0	0	$ 0
Interest cost	1,213	888	856
Prior service cost		0
Net actuarial loss (gain)	645	(6,928)
Accumulated benefit obligation at end of year	23,159	$ 23,042	$ 30,905
Postretirement Benefits [Member]
Estimated future benefit payments [Abstract]
2024	132
2025	160
2026	199
2027	229
2028	270
2029 - 2033	$ 1,717
Assumptions used to determine benefit obligation [Abstract]
Discount rate	5.18%	5.44%	2.96%
Assumptions used to determine net periodic pension expense [Abstract]
Discount rate	5.44%	2.96%	2.65%
Expected long-term rate of return on assets, net of tax	4%	4%	4%
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	$ 4,893	$ 7,016
Service cost	11	18	$ 75
Interest cost	271	207	190
Prior service cost	0	0	611
Benefits paid and actual expenses	(74)	(72)
Net actuarial loss (gain)	527	(2,276)
Accumulated benefit obligation at end of year	5,628	4,893	$ 7,016
Supplementary Pension Plan [Member]
Pension and Other Postretirement Benefits Cost [Abstract]
Plan expense	2,900	2,700
Assets Held-in-trust [Abstract]
Assets held in trust	2,400	2,300
Change in benefit obligation [Rollforward]
Accumulated benefit obligation at beginning of year	2,300
Accumulated benefit obligation at end of year	$ 2,400	$ 2,300

Benefit Plans, Health Care Cost

Benefit Plans, Health Care Cost Trend Rate and Other Comprehensive Income Disclosures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	$ (7,955)	$ 8,266
Prior service cost		0
Amortization of net actuarial gain	423	1,008	$ 674
Amortization of prior service credit	(13)	313	(405)
Total	(7,545)	9,587
Retirement Plan [Member]
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	(5,380)	4,869
Prior service cost		0
Amortization of net actuarial gain	0	0
Amortization of prior service credit	0	0
Total	(5,380)	4,869
Postretirement Benefits [Member]
Change in component of other comprehensive (loss) income related to the retirement plan or the post-retirement benefit plan [Abstract]
Change in overfunded position of pension and postretirement benefits	(2,575)	3,397
Prior service cost	0	0	611
Amortization of net actuarial gain	423	1,008
Amortization of prior service credit	(13)	313	$ (405)
Total	$ (2,165)	$ 4,718

Benefit Plans, Allocation of Pl

Benefit Plans, Allocation of Plan Assets (Details)	Dec. 31, 2023	Dec. 31, 2022
Retirement Plan [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100%	100%
Retirement Plan [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	34%	30%
Retirement Plan [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	63%	59%
Retirement Plan [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	3%	11%
Postretirement Benefits [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	100%	100%
Postretirement Benefits [Member] | Debt Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	27%	29%
Postretirement Benefits [Member] | Equity Securities [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	61%	57%
Postretirement Benefits [Member] | Other [Member]
Major categories of pension and postretirement benefit plan assets [Abstract]
Total asset allocation	12%	14%
Pension and Postretirement Plans [Member] | Debt Securities [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	25%
Pension and Postretirement Plans [Member] | Debt Securities [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	40%
Pension and Postretirement Plans [Member] | Equity Securities [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	50%
Pension and Postretirement Plans [Member] | Equity Securities [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	70%
Pension and Postretirement Plans [Member] | Other [Member] | Minimum [Member]
Assets target allocations [Abstract]
Target allocations range	0%
Pension and Postretirement Plans [Member] | Other [Member] | Maximum [Member]
Assets target allocations [Abstract]
Target allocations range	10%

Benefit Plans, Fair Value of Pl

Benefit Plans, Fair Value of Plan Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Fair value of plan assets by asset category [Abstract]
Employer contributions to postretirement benefit plans	$ 0	$ 0
Expected future contribution	0
Retirement Plan [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	59,641	52,673	$ 63,066
Retirement Plan [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	39,967	37,250
Retirement Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	19,674	15,423
Retirement Plan [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	59,641	52,673
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	1,811	5,734
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	1,811	5,734
Retirement Plan [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	37,615	30,972
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	37,615	30,972
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	19,674	15,423
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	19,674	15,423
Retirement Plan [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	541	544
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Retirement Plan [Member] | Fixed Income Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	541	544
Postretirement Benefits [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	33,224	28,988	$ 33,344
Employer contributions to postretirement benefit plans	50	57
Postretirement Benefits [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	24,222	20,591
Postretirement Benefits [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	9,002	8,397
Postretirement Benefits [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	33,224	28,988
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	3,986	3,945
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Cash and Cash Equivalents [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	3,986	3,945
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	20,236	16,646
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | Equity Mutual Funds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	20,236	16,646
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	9,002	8,397
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	0	0
Postretirement Benefits [Member] | U. S. Government Sponsored Enterprises [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets	$ 9,002	8,397
Postretirement Benefits [Member] | Corporate Bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		0
Postretirement Benefits [Member] | Corporate Bonds [Member] | Carrying Value [Member]
Fair value of plan assets by asset category [Abstract]
Fair value of plan assets		$ 0

Benefit Plans, Incentive and Bo

Benefit Plans, Incentive and Bonus Plans (Details) $ / shares in Units, shares in Thousands, $ in Millions			12 Months Ended
		May 28, 2021	Dec. 31, 2023 USD ($) $ / shares shares	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Incentive and Bonus Plans [Abstract]
Number of awards (in shares) | shares			291
Weighted average strike price (in dollars per share) | $ / shares			$ 44.37
Reverse stock split ratio	[1]	0.2
401(k) Plan [Member]
Incentive and Bonus Plans [Abstract]
Employer matching contribution, first match			100%
Aggregate salary contribution matched by employer, first match			3%
Employer matching contribution, next matched			50%
Aggregate salary contribution matched by employer, next match			3%
Profit sharing contribution			$ 0	$ 0	$ 0
Expense related to 401(k) plan			1.4	1.3	1.3
Executive Incentive Plan [Member]
Incentive and Bonus Plans [Abstract]
Expense for officers and executive incentive plan			$ 2.3	$ 1.3	$ 3.2
[1]All periods presented have been adjusted for the 1 for 5

Benefit Plans, Stock Based Comp

Benefit Plans, Stock Based Compensation Plans - Equity Awards (Details) - USD ($) $ / shares in Units, $ in Thousands	1 Months Ended	12 Months Ended
	Nov. 30, 2023	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	May 31, 2019
Summary of Changes in Stock Option Awards [Roll Forward]
Exercised options (in shares)			(12,458)	(9,923)
Additional Disclosures [Abstract]
Stock based compensation expense		$ 103	$ 0	$ 0
Unrecognized stock-based compensation expense		$ 1,700
Unrecognized compensation expense, period of recognition		2 years 10 months 24 days
Stock Options [Member]
Summary of Changes in Stock Option Awards [Roll Forward]
Beginning balance (in shares)		76,853
New options awarded (in shares)		0
Expired options (in shares)		(29,312)
Options forfeited (in shares)		0
Exercised options (in shares)		0	(12,000)	(10,000)
Ending balance (in shares)		47,541	76,853
Stock Option Awards, Exercisable [Roll Forward]
Ending balance (in shares)		47,541
Weighted Average Exercise Price [Roll Forward]
Beginning balance (in dollars per share)		$ 34.48
New options awarded (in dollars per share)		0
Expired options (in dollars per share)		35.23
Options forfeited (in dollars per share)		0
Exercised options (in dollars per share)		0
Ending balance (in dollars per share)		$ 34.01	$ 34.48
Additional Disclosures [Abstract]
Weighted average remaining contractual life, options outstanding		1 year 4 months 28 days
Exercisable options, weighted average exercise price (in dollars per share)		$ 34.01
Weighted average remaining contractual life, exercisable outstanding		1 year 4 months 28 days
Intrinsic value of vested stock options		$ 0
Stock based compensation expense		$ 0	$ 0	$ 0
New options granted (in shares)		0	0	0
Performance-Based and Service-Based Options [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Award vesting period		3 years
Additional Disclosures [Abstract]
Stock based compensation expense		$ 103
New options granted (in shares)	68,293
Award vesting period		3 years
2010 Directors Stock Option Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)					700,000
2010 Directors Stock Option Plan [Member] | Stock Options [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Options maximum term		10 years
Award vesting period		5 years
Additional Disclosures [Abstract]
Award vesting period		5 years
2019 Equity Incentive Plan [Member]
Employee Service Share-based Compensation, Aggregate Disclosures [Abstract]
Shares available for grant (in shares)		0			700,000
Exercise price as percentage of fair value		100%
Shareholding percentage for grant of stock options		10%
Option price as percentage of fair value		110%

Benefit Plans, Valuation, Stock

Benefit Plans, Valuation, Stock-Based Compensation (Details) - USD ($)	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 103,000	$ 0	$ 0
Unrecognized compensation expense, period of recognition	2 years 10 months 24 days
Restricted Shares Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)	83,228
New cash settled awards granted (in shares)	26,567
Forfeited awards (in shares)	(2,792)
Awards settled (in shares)	(42,852)
Balance, End of period (in shares)	64,151	83,228
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 1,100,000	$ 1,600,000	1,200,000
Options maximum term	1 year
Unrecognized compensation expense	$ 1,800,000
Unrecognized compensation expense, period of recognition	22 months
Additional Disclosures [Abstract]
Shares vested after term	100%
Liability related to awards	$ 202,000	$ 278,000
Performance Share Units [Member]
Activity for Performance Based Awards [Roll Forward]
Balance, Beginning of period (in shares)	155,633
New cash settled awards granted (in shares)	22,476
Forfeited awards (in shares)	0
Awards settled (in shares)	(42,443)
Balance, End of period (in shares)	135,666	155,633
Employee Service Share-based Compensation, Non-vested Awards, Total Compensation Cost Not yet Recognized [Abstract]
Stock based compensation expense	$ 1,500,000	$ 1,300,000	$ 1,800
Options maximum term	3 years
Unrecognized compensation expense	$ 1,400,000
Unrecognized compensation expense, period of recognition	21 months
Additional Disclosures [Abstract]
Shares vested after term	100%
Liability related to awards	$ 3,500,000	$ 3,600,000

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Commitments and Contingent Liabilities [Abstract]
Liability settlement accrued	$ 2,750
Outsourced service expense	10,039	$ 9,210	$ 8,384
Third-Party Service Agreement [Member] | Minimum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	9,000
Third-Party Service Agreement [Member] | Maximum [Member]
Long Term Purchase Commitment [Abstract]
Outsource service expense	$ 10,000

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 58,646	$ 75,234	$ 61,519
Weighted average common shares (in shares)	19,024	19,131	19,259
Effect of dilutive common stock options (in shares)	1	2	4
Weighted average common shares including potential dilutive shares (in shares)	19,025	19,133	19,263
Basic EPS (in dollars per share)	$ 3.08	$ 3.93	$ 3.19
Diluted EPS (in dollars per share)	$ 3.08	$ 3.93	$ 3.19
Stock Options [Member]
Antidilutive Securities [Abstract]
Number of anti-dilutive stock options excluded from diluted earnings per share (in shares)	73	59

Off-Balance Sheet Financial I_2

Off-Balance Sheet Financial Instruments (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Commitments to Extend Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 596.8	$ 535.4
Variable rate product commitments	71%	74%
Standby Letters of Credit [Member]
Off-Balance Sheet Risks [Abstract]
Off-balance sheet risks, amount	$ 4.8	$ 5.3
Off balance sheet instrument term	12 months

Fair Value, Assets and Liabilit

Fair Value, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Securities available for sale [Abstract]
Total securities available for sale	$ 452,289	$ 481,513
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Total securities available for sale	0	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Total securities available for sale	452,289	481,513
Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
Total securities available for sale	0	0
Carrying Value [Member]
Securities available for sale [Abstract]
Total securities available for sale	452,289	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	0	0
Total securities available for sale	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	118,668	118,187
State and political subdivisions	26	34
Mortgage backed securities and collateralized mortgage obligations - residential	237,677	260,316
Corporate bonds	78,052	81,346
Small Business Administration - guaranteed participation securities	17,186	20,977
Other	680	653
Total securities available for sale	452,289	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	0	0
Total securities available for sale	0	0
Recurring [Member] | Carrying Value [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	118,668	118,187
State and political subdivisions	26	34
Mortgage backed securities and collateralized mortgage obligations - residential	237,677	260,316
Corporate bonds	78,052	81,346
Small Business Administration - guaranteed participation securities	17,186	20,977
Other	680	653
Total securities available for sale	$ 452,289	$ 481,513

Fair Value, Assets Measured at

Fair Value, Assets Measured at Fair Value Non-recurring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)
Assets measured at fair value on a non-recurring basis [Abstract]
Other Real Estate Owned, Valuation Technique [Extensible List]	Valuation, Market Approach [Member]	Valuation, Market Approach [Member]
Other Real Estate Owned, Measurement Input [Extensible List]	Measurement Input, Comparability Adjustment [Member]	Measurement Input, Comparability Adjustment [Member]
Impaired loans [Abstract]
Impaired loans	$ 24,700	$ 25,700
Valuation charge on other real estate owned	143	68
Collateral dependent impaired loans	0	0
Valuation allowance	0	0
Gross charge offs, residential impaired loans	0	0
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 194	$ 2,061
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0	0.02
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.39	0.47
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.20	0.18
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	$ 0	$ 0
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Significant Other Observable Inputs (Level 2) [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	0	0
Nonrecurring [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Significant Unobservable Inputs (Level 3) [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	0	0
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	194	2,061
Nonrecurring [Member] | Carrying Value [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Individually evaluated loans [Abstract]
Individually evaluated loans	$ 0	$ 0

Fair Value, Carrying Amounts an

Fair Value, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Financial assets [Abstract]
Cash and cash equivalents	$ 578,004	$ 650,599
Securities available for sale	452,289	481,513
Held to maturity securities	6,396	7,580
Net loans	4,422,027	4,328,508
Accrued interest receivable	13,683	11,492
Financial liabilities [Abstract]
Demand deposits	754,532	838,147
Interest bearing deposits	4,580,010	4,338,428
Short-term borrowings	88,990	122,700
Accrued interest payable	3,612	602
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	578,004	650,599
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	234	189
Financial liabilities [Abstract]
Demand deposits	754,532	838,147
Interest bearing deposits	2,760,221	3,325,900
Short-term borrowings	0	0
Accrued interest payable	256	60
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	452,289	481,513
Held to maturity securities	6,396	7,580
Net loans	0	0
Accrued interest receivable	1,920	1,866
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,819,789	1,012,528
Short-term borrowings	88,990	122,700
Accrued interest payable	3,356	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	4,422,027	4,328,508
Accrued interest receivable	11,529	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	578,004	650,599
Securities available for sale	452,289	481,513
Held to maturity securities	6,458	7,707
Federal Reserve Bank and Federal Home Loan Bank stock	6,203	5,797
Net loans	4,954,301	4,687,169
Accrued interest receivable	13,683	11,492
Financial liabilities [Abstract]
Demand deposits	754,532	838,147
Interest bearing deposits	4,596,245	4,354,663
Short-term borrowings	88,990	122,700
Accrued interest payable	$ 3,612	$ 602

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Dec. 31, 2023 USD ($) Classification	Dec. 31, 2022 USD ($)
Trustco Bank [Member]
Compliance With Regulatory Capital Requirements Under Banking Regulations Information [Abstract]
Number of classifications for prompt corrective action regulations provide | Classification		5
Tier One Risk Based Capital [Abstract]
Tier 1 leverage capital		$ 636,327	$ 609,998
Common equity Tier 1 capital		636,327	609,998
Tier 1 risk-based capital		636,327	609,998
Total risk-based capital		$ 679,924	$ 651,462
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10428	0.10116
Common equity Tier 1 capital, ratio		0.1828	0.18431
Tier 1 risk-based capital, ratio		0.1828	0.18431
Total risk-based capital, ratio		0.19532	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		$ 657,968	$ 626,628
Common equity Tier 1 capital		657,968	626,628
Tier 1 risk-based capital		657,968	626,628
Total risk-based capital		$ 701,577	$ 668,102
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.1078	0.1039
Common equity Tier 1 capital, ratio		0.18896	0.18929
Tier 1 risk-based capital, ratio		0.18896	0.18929
Total risk-based capital, ratio		0.20149	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 December 31, 2023 and 2022 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent.

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income, Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 599,987	$ 601,128	$ 568,161	[1]
Other comprehensive income (loss) - before reclassifications	14,260	(38,363)	410
Amount reclassified from accumulated other comprehensive income	(303)	(978)	(199)
Other comprehensive income (loss), net of tax	13,957	(39,341)	211
Balance	645,285	599,987	601,128
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(27,194)	12,147	11,936	[1]
Other comprehensive income (loss), net of tax	13,957	(39,341)	211
Balance	(13,237)	(27,194)	12,147
Net Unrealized Holding Gain (Loss) on Securities Available for Sale, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(32,271)	(26)	7,186
Other comprehensive income (loss) - before reclassifications	8,372	(32,245)	(7,212)
Amount reclassified from accumulated other comprehensive income	0	0	0
Other comprehensive income (loss), net of tax	8,372	(32,245)	(7,212)
Balance	(23,899)	(32,271)	(26)
Net Change in Overfunded Position in Pension and Postretirement Plans Arising During the Year, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	7,588	13,706	6,084
Other comprehensive income (loss) - before reclassifications	5,888	(6,118)	7,622
Amount reclassified from accumulated other comprehensive income	0	0	0
Other comprehensive income (loss), net of tax	5,888	(6,118)	7,622
Balance	13,476	7,588	13,706
Net Change in Net Actuarial Gain and Prior Service Cost (Credit) on Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(2,511)	(1,533)	(1,334)
Other comprehensive income (loss) - before reclassifications	0	0	0
Amount reclassified from accumulated other comprehensive income	(303)	(978)	(199)
Other comprehensive income (loss), net of tax	(303)	(978)	(199)
Balance	$ (2,814)	$ (2,511)	$ (1,533)
[1]All periods presented have been adjusted for the 1 for 5

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income, Reclassifications out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	$ 51,242	$ 45,904	$ 48,721
Income tax benefit	18,967	24,183	20,614
Net income	58,646	75,234	61,519
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Net income	303	978	199
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Income tax benefit	(107)	(343)	(70)
Net income	303	978	199
Amortization of Net Actuarial Gain [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	423	1,008	674
Amortization of Prior Service (Cost) Credit [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Abstract]
Salaries and employee benefits	$ (13)	$ 313	$ (405)

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Sources of non-interest income [Abstract]
Other	[1]	$ 1,022	$ 1,123	$ 698
Total non-interest income		18,315	19,260	17,937
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		2,939	2,708	2,660
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		2,110	2,044	1,940
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		5,819	6,348	5,281
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 6,425	$ 7,037	$ 7,358
[1]Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details)	12 Months Ended
	Dec. 31, 2023 USD ($) Property Lease	Dec. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease	0
Other information related to leases [Abstract]
Operating lease cost	$ 8,165,000	$ 8,213,000	$ 8,128,000
Variable lease cost	2,226,000	2,183,000	2,015,000
Total Lease costs	10,391,000	10,396,000	10,143,000
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases	8,393,000	8,327,000	8,192,000
Right-of-use assets obtained in exchange for lease obligations:	$ 2,487,000	$ 3,089,000	$ 6,588,000
Weighted average remaining lease term (years)	8 years 6 months	8 years 10 months 24 days	9 years 3 months 18 days
Weighted average discount rate	3.10%	3%	3%
Future minimum lease payments under non-cancellable leases [Abstract]
2024	$ 8,479,000
2025	8,078,000
2026	7,104,000
2027	5,867,000
2028	4,679,000
Thereafter	16,485,000
Total lease payments	50,692,000
Less: Interest	6,221,000
Present value of lease liabilities	44,471,000	$ 48,980,000
Operating lease right-of-use assets	40,542,000	44,727,000
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments	2,700,000
Less: Interest	$ 312,000
Number of properties under lease owned by related party | Property	5
Payment of rent and fees, total	$ 534,000	500,000	$ 548,000
Outstanding amount	$ 0	$ 0
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term	5 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term	20 years 9 months 18 days

Parent Company Only, Statements

Parent Company Only, Statements of Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Expenses [Abstract]
Professional services	$ 6,245	$ 5,577	$ 6,108
Total noninterest expense	111,297	100,319	101,662
Income before income taxes	77,613	99,417	82,133
Income tax benefit	18,967	24,183	20,614
Net income	58,646	75,234	61,519
Change in other comprehensive income	13,957	(39,341)	211
Comprehensive income	72,603	35,893	61,730
TrustCo Bank Corp NY [Member]
Statements of Comprehensive Income [Abstract]
Dividends and interest from subsidiaries	34,220	34,125	34,096
Net gain on securities transactions	0	0	0
Miscellaneous income	0	0	0
Total income	34,220	34,125	34,096
Expenses [Abstract]
Operating supplies	0	0	21
Professional services	972	585	819
Miscellaneous expense	1,371	1,752	3,419
Total noninterest expense	2,343	2,337	4,259
Income before income taxes	31,877	31,788	29,837
Income tax benefit	(530)	(559)	(972)
Income before subsidiaries' undistributed earnings	32,407	32,347	30,809
Equity in undistributed earnings of subsidiaries	26,239	42,887	30,710
Net income	58,646	75,234	61,519
Change in other comprehensive income	13,957	(39,341)	211
Comprehensive income	$ 72,603	$ 35,893	$ 61,730

Parent Company Only, Statemen_2

Parent Company Only, Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021	Dec. 31, 2020	[1]
Assets [Abstract]
Cash in subsidiary bank	$ 578,004	$ 650,599
Securities available for sale	452,289	481,513
Other assets	96,387	89,984
Total assets	6,168,191	6,000,052
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	38,668	35,575
Total liabilities	5,522,906	5,400,065
Shareholders' equity	645,285	599,987	$ 601,128	$ 568,161
Total liabilities and shareholders' equity	6,168,191	6,000,052
TrustCo Bank Corp NY [Member]
Assets [Abstract]
Cash in subsidiary bank	28,547	25,079
Investments in subsidiaries	623,658	583,370
Securities available for sale	48	36
Other assets	869	809
Total assets	653,122	609,294
Liabilities and shareholders' equity [Abstract]
Accrued expenses and other liabilities	7,837	9,307
Total liabilities	7,837	9,307
Shareholders' equity	645,285	599,987
Total liabilities and shareholders' equity	$ 653,122	$ 609,294
[1]All periods presented have been adjusted for the 1 for 5

Parent Company Only, Statemen_3

Parent Company Only, Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Cash flows from operating activities [Abstract]
Net income	$ 58,646	$ 75,234	$ 61,519
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Stock based compensation expense	103	0	0
Total adjustments	5,483	3,392	(6,154)
Net cash provided by operating activities	64,129	78,626	55,365
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	(19,678)	(203,516)	(139,962)
Net cash used in investing activities	(233,593)	(416,626)	(175,256)
Cash flows from financing activities [Abstract]
Cash used to settle fractional shares in the Reverse Stock Split	0	0	(200)
Proceeds from exercise of stock options	0	429	260
Dividends paid	(27,388)	(26,991)	(26,279)
Payments to acquire treasury stock	0	(7,004)	(2,386)
Net cash provided by (used in) financing activities	96,869	(230,871)	232,262
Net (decrease) increase in cash and cash equivalents	(72,595)	(568,871)	112,371
Cash and cash equivalents at beginning of period	650,599	1,219,470	1,107,099
Cash and cash equivalents at end of period	578,004	650,599	1,219,470
TrustCo Bank Corp NY [Member]
Cash flows from operating activities [Abstract]
Net income	58,646	75,234	61,519
Adjustments to reconcile net income to net cash provided by operating activities [Abstract]
Equity in undistributed earnings of subsidiaries	(26,239)	(42,887)	(30,710)
Stock based compensation expense	0	0	0
Net change in other assets and accrued expenses	(1,563)	(440)	354
Total adjustments	(27,802)	(43,327)	(30,356)
Net cash provided by operating activities	30,844	31,907	31,163
Cash flows from investing activities [Abstract]
Purchases of securities available for sale	0	0	0
Net cash used in investing activities	0	0	0
Cash flows from financing activities [Abstract]
Cash used to settle fractional shares in the Reverse Stock Split	0	0	(200)
Proceeds from exercise of stock options	0	429	260
Dividends paid	(27,376)	(26,978)	(26,266)
Payments to acquire treasury stock	0	(7,004)	(2,386)
Proceeds from sales of treasury stock	0	0	0
Net cash provided by (used in) financing activities	(27,376)	(33,553)	(28,592)
Net (decrease) increase in cash and cash equivalents	3,468	(1,646)	2,571
Cash and cash equivalents at beginning of period	25,079	26,725	24,154
Cash and cash equivalents at end of period	$ 28,547	$ 25,079	$ 26,725