TrustCo Bank Corp NY (TRST) 10-Q 9 May 24 2024 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2024	Apr. 30, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q1
Document Transition Report	false
Entity File Number	000-10592
Entity Registrant Name	TRUSTCO BANK CORP NY
Entity Central Index Key	0000357301
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	14-1630287
Entity Address, Address Line One	5 SARNOWSKI DRIVE
Entity Address, City or Town	GLENVILLE
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12302
City Area Code	518
Local Phone Number	377-3311
Title of 12(b) Security	Common Stock, $1.00 par value
Trading Symbol	TRST
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		19,024,433

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income:
Interest and fees on loans	$ 49,804	$ 44,272
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	906	692
Mortgage-backed securities and collateralized mortgage obligations - residential	1,494	1,585
Corporate bonds	476	521
Small Business Administration-guaranteed participation securities	100	117
Other securities	3	2
Total interest and dividends on securities available for sale	2,979	2,917
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	68	78
Total interest on held to maturity securities	68	78
Federal Home Loan Bank stock	152	110
Interest on federal funds sold and other short-term investments	6,750	6,555
Total interest income	59,753	53,932
Interest on deposits:
Interest-bearing checking	240	66
Savings accounts	712	530
Money market deposit accounts	2,342	814
Time deposits	19,677	5,272
Interest on short-term borrowings	204	285
Total interest expense	23,175	6,967
Net interest income	36,578	46,965
Provision for credit losses	600	300
Net interest income after provision for credit losses	35,978	46,665
Noninterest income:
Trustco financial services income	1,816	1,774
Fees for services to customers	2,745	2,648
Other	282	247
Total noninterest income	4,843	4,669
Noninterest expenses:
Salaries and employee benefits	11,427	13,283
Net occupancy expense	4,611	4,598
Equipment expense	1,738	1,962
Professional services	1,460	1,607
Outsourced services	2,501	2,296
Advertising expense	408	390
FDIC and other insurance	1,094	1,052
Other real estate expense, net	74	225
Other	1,590	2,266
Total noninterest expenses	24,903	27,679
Income before taxes	15,918	23,655
Income taxes	3,792	5,909
Net income	$ 12,126	$ 17,746
Net income per share:
Basic (in dollars per share)	$ 0.64	$ 0.93
Diluted (in dollars per share)	$ 0.64	$ 0.93

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 12,126	$ 17,746
Net unrealized holding (loss) gain on securities available for sale	(1,872)	5,251
Tax effect	494	(1,350)
Net unrealized (loss) gain on securities available for sale, net of tax	(1,378)	3,901
Amortization of net actuarial gain	(203)	(114)
Amortization of prior service cost	3	3
Tax effect	52	29
Amortization of net actuarial gain and prior service cost on pension and postretirement plans, net of tax	(148)	(82)
Other comprehensive (loss) income, net of tax	(1,526)	3,819
Comprehensive income	$ 10,600	$ 21,565

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 44,868	$ 49,274
Federal funds sold and other short term investments	564,815	528,730
Total cash and cash equivalents	609,683	578,004
Securities available for sale	426,241	452,289
Held to maturity securities ($6,108 and $6,396 fair value at March 31, 2024 and December 31, 2023, respectively)	6,206	6,458
Federal Home Loan Bank stock	6,203	6,203
Loans, net of deferred net costs	5,005,506	5,002,879
Less: Allowance for credit losses on loans	49,220	48,578
Net loans	4,956,286	4,954,301
Bank premises and equipment, net	33,423	34,007
Operating lease right-of-use assets	39,647	40,542
Other assets	101,881	96,387
Total assets	6,179,570	6,168,191
Deposits:
Demand	742,997	754,532
Interest-bearing checking	1,020,136	1,015,213
Savings accounts	1,155,517	1,179,241
Money market deposit accounts	532,611	565,767
Time deposits	1,903,908	1,836,024
Total deposits	5,355,169	5,350,777
Short-term borrowings	94,374	88,990
Operating lease liabilities	43,438	44,471
Accrued expenses and other liabilities	37,399	38,668
Total liabilities	5,530,380	5,522,906
SHAREHOLDERS' EQUITY:
Capital stock par value $1.00; 30,000,000 shares authorized; 20,058,142 shares issued at March 31, 2024 and December 31, 2023, 19,024,433 shares outstanding at March 31, 2024 and December 31, 2023, respectively	20,058	20,058
Surplus	257,335	257,181
Undivided profits	430,346	425,069
Accumulated other comprehensive loss, net of tax	(14,763)	(13,237)
Treasury stock at cost - 1,033,709 shares at March 31, 2024 and December 31, 2023, respectively	(43,786)	(43,786)
Total shareholders' equity	649,190	645,285
Total liabilities and shareholders' equity	$ 6,179,570	$ 6,168,191

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS:
Held to maturity securities, fair value	$ 6,108	$ 6,396
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share)	$ 1	$ 1
Capital stock, shares authorized (in shares)	30,000,000	30,000,000
Capital stock, shares issued (in shares)	20,058,142	20,058,142
Capital stock, shares outstanding (in shares)	19,024,433	19,024,433
Treasury stock, at cost (in shares)	1,033,709	1,033,709

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2022	$ 20,058	$ 257,078	$ 393,831	$ (27,194)	$ (43,786)	$ 599,987
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	17,746	0	0	17,746
Other comprehensive (loss) income, net of tax	0	0	0	3,819	0	3,819
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Mar. 31, 2023	20,058	257,078	404,728	(23,375)	(43,786)	614,703
Balance at Dec. 31, 2023	20,058	257,181	425,069	(13,237)	(43,786)	645,285
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	12,126	0	0	12,126
Other comprehensive (loss) income, net of tax	0	0	0	(1,526)	0	(1,526)
Stock based compensation expense	0	154	0	0	0	154
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Mar. 31, 2024	$ 20,058	$ 257,335	$ 430,346	$ (14,763)	$ (43,786)	$ 649,190

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Cash dividend declared (in dollars per share)	$ 0.36	$ 0.36

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash flows from operating activities:
Net income	$ 12,126	$ 17,746
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	1,085	1,008
Amortization of right-of-use asset	1,654	1,634
Net gain on sale of other real estate owned	0	(148)
Provision for credit losses	600	300
Deferred tax expense	1,447	1,816
Net amortization of securities	346	460
Stock based compensation expense	154	0
Decrease in taxes receivable	3,844	5,456
Increase in interest receivable	(777)	(198)
Increase in interest payable	288	842
Increase in other assets	(4,224)	(3,583)
Decrease in operating lease liabilities	(1,792)	(1,722)
Decrease in accrued expenses and other liabilities	(4,855)	(4,831)
Total adjustments	(2,230)	1,034
Net cash provided by operating activities	9,896	18,780
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale	8,841	14,659
Proceeds from paydowns of held to maturity securities	241	311
Purchases of securities available for sale	(20,000)	(5,000)
Proceeds from maturities of securities available for sale	35,000	0
Net increase in loans	(4,793)	(66,328)
Proceeds from dispositions of other real estate owned	68	340
Purchases of bank premises and equipment	(501)	(757)
Net cash provided by (used in) investing activities	18,856	(56,775)
Cash flows from financing activities:
Net increase in deposits	4,392	19,648
Net change in short-term borrowings	5,384	11,593
Dividends paid	(6,849)	(6,861)
Net cash provided by financing activities	2,927	24,380
Net increase (decrease) in cash and cash equivalents	31,679	(13,615)
Cash and cash equivalents at beginning of period	578,004	650,599
Cash and cash equivalents at end of period	609,683	636,984
Cash paid during the year for:
Interest paid	22,887	6,125
Income taxes paid	494	471
Other non cash items:
Transfer of loans to other real estate owned	2,208	0
Increase (decrease) in dividends payable	0	(12)
Change in unrealized (loss) gain on securities available for sale-gross of deferred taxes	(1,872)	5,251
Change in deferred tax effect on unrealized loss (gain) on securities available for sale	494	(1,350)
Amortization of net actuarial gain and prior service cost on pension and postretirement plans	(200)	(111)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans	$ 52	$ 29

Financial Statement Presentatio

Financial Statement Presentation	3 Months Ended
	Mar. 31, 2024
Financial Statement Presentation [Abstract]
Financial Statement Presentation	(1) Financial Statement Presentation The unaudited Consolidated Interim Financial Statements of TrustCo Bank Corp NY (the “Company” or “TrustCo”) include the accounts of the Company’s subsidiary, Trustco Bank (also referred to as the “Bank”) and other subsidiaries after elimination of all significant intercompany accounts and transactions. Prior period amounts are reclassified when necessary to conform to the current period presentation. The net income reported for the three months ended March 31, 2024 is not necessarily indicative of the results that may be expected for the year ending December 31, 2024, or any interim periods. These financial statements consider events that occurred through the date of filing. In the opinion of the management of the Company, the accompanying unaudited Consolidated Interim Financial Statements contain all recurring adjustments necessary to present fairly the financial position as of March 31, 2024, the results of operations and cash flows for the three months ended March 31, 2024 and 2023. The accompanying unaudited Consolidated Interim Financial Statements should be read in conjunction with the Company’s year‑end Consolidated Financial Statements, including notes thereto, which are included in the Company’s Annual Report on Form 10‑K for the year ended December 31, 2023. The accompanying unaudited Consolidated Interim Financial Statements have been prepared in accordance with the applicable rules of the Securities and Exchange Commission (the “SEC”) and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with accounting principles generally accepted in the United States. Results of operations for the three months ended March 31, 2024 are not necessarily indicative of the results that may be expected for the year ending December 31, 2024. The accounting policies of the Company, as applied in the Consolidated Interim Financial Statements presented herein, are substantially the same as those followed on an annual basis in the Annual Report on Form 10-K for the year ended December 31, 2023 filed with the SEC on March 11, 2024. Risks and Uncertainties: Industry events have led to a greater focus by financial institutions, investors and regulators on liquidity positions of and funding sources for financial institutions, the composition of their deposits, including the amount of uninsured deposits, the amount of accumulated other comprehensive loss, capital levels and interest rate risk management. Present economic conditions have caused disruption to the banking system and any additional implications are uncertain. The Company believes that it has sufficient liquid assets and borrowing sources should there be a liquidity need.

Earnings Per Share

Earnings Per Share	3 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
Earnings Per Share	(2) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share A reconciliation of the component parts of earnings per share for the three months ended March 31, 2024 and 2023 is as follows: (in thousands, except per share data) For the three months ended March 31 2024 2023 Net income $ 12,126 $ 17,746 Weighted average common shares 19,024 19,024 Stock Options and Restricted Stock Units 8 3 Weighted average common shares including potential dilutive shares 19,032 19,027 Basic EPS $ 0.64 $ 0.93 Diluted EPS $ 0.64 $ 0.93 For the three months, ended March 31, 2024 and 2023 there were approximately 48 thousand and 2 thousand weighted average anti-dilutive stock options excluded from diluted earnings per share. The stock options are antidilutive because the strike price is greater than the average fair value of the Company’s common stock for the periods presented.

Benefit Plans

Benefit Plans	3 Months Ended
	Mar. 31, 2024
Benefit Plans [Abstract]
Benefit Plans	(3) Benefit Plans The table below outlines the components of the Company’s net periodic benefit recognized during the months ended March and for its pension and other postretirement benefit plans: Three March 31 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2024 2023 2024 2023 Service cost $ - $ - $ 5 $ 2 Interest cost 289 302 72 66 Expected return on plan assets (762 ) (680 ) (331 ) (289 ) Amortization of net gain (19 ) - (184 ) (114 ) Amortization of prior service cost - - 3 3 Net periodic benefit $ (492 ) $ (378 ) $ (435 ) $ (332 ) The Company does not expect to contribute to its pension and postretirement benefit plans in 2024. As of March 31, 2024, no contributions have been made; however, this decision is reviewed each quarter and is subject to change based upon market conditions. Since 2003, the Company has not subsidized retiree medical insurance premiums. However, it continues to provide medical benefits and postretirement medical benefits to a limited number of current and retired executives in accordance with the terms of their employment contracts.

Investment Securities

Investment Securities	3 Months Ended
	Mar. 31, 2024
Investment Securities [Abstract]
Investment Securities	(4) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: March 31 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 131,755 $ 4 $ 2,905 $ 128,854 State and political subdivisions 26 - - 26 Mortgage backed securities and collateralized mortgage obligations - residential 254,806 158 27,886 227,078 Corporate bonds 55,078 - 1,737 53,341 Small Business Administration - guaranteed participation securities 17,984 - 1,724 16,260 Other 688 7 13 682 Total Securities Available for Sale $ 460,337 $ 169 $ 34,265 $ 426,241 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses 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 The following table categorizes based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are presented separately: Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 70,613 $ 69,407 Due after one year through five years 116,934 113,496 Mortgage backed securities and collateralized mortgage obligations - residential 254,806 227,078 Small Business Administration - guaranteed participation securities 17,984 16,260 $ 460,337 $ 426,241 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: March 31 2024 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unreal. (dollars in thousands) Value Loss Value Loss Value Loss U.S. government sponsored enterprises $ 14,993 7 106,358 2,898 121,351 2,905 Mortgage backed securities and collateralized mortgage obligations - residential 2,907 10 217,331 27,876 220,238 27,886 Corporate bonds - - 53,341 1,737 53,341 1,737 Small Business Administration - guaranteed participation securities - - 16,260 1,724 16,260 1,724 Other - - 637 13 637 13 Total $ 17,900 17 393,927 34,248 411,827 34,265 December 31, 2023 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unreal. Fair Unreal. Fair Unreal. (dollars in thousands) Value Loss Value Loss Value 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 Small Business Administration - guaranteed participation securities - - 17,186 1,554 17,186 1,554 Other - - 631 18 631 18 Total $ - - 439,923 32,510 439,923 32,510 There were no allowance for credit losses recorded for securities available for sale during the months ended March and The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three months ended March 31, 2024 and 2023 are as follows: Three months ended March 31, (dollars in thousands) 2024 2023 Proceeds from sales $ - - Proceeds from calls/paydowns 8,841 14,659 Proceeds from maturities 35,000 - Gross realized gains - - Gross realized losses - - (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: March 31 2024 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,206 49 147 6,108 Total held to maturity $ 6,206 49 147 6,108 December 31, 2023 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses 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 The following table categorizes (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,206 6,108 $ 6,206 6,108 All held to maturity securities are held at cost on the financial statements. Gross unrecognized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrecognized loss position, were as follows: March 31, 2024 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 136 3 2,523 144 2,659 147 Total $ 136 3 2,523 144 2,659 147 December 31, 2023 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 283 3 2,703 133 2,986 136 Total $ 283 3 2,703 133 2,986 136 There were no sales or transfers of held to maturity securities during the three months ended March 31, 2024 and 2023. There were no allowance for credit losses recorded for held to maturity securities during the three months ended March 31, 2024 and 2023. There were no securities on non-accrual status and all securities were performing in accordance with contractual terms. (c) Other-Than-Temporary Impairment Debt Securities Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. In determining OTTI for debt securities, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or it is more likely than not that it will be required to sell the debt security before its anticipated recovery. The assessment of whether any other‑than‑temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether management intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If management intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If management does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI on debt securities shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings through the provision for credit losses. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The Company does not intend to sell nor does it anticipate that it will be required to sell any of its securities in an unrealized loss position as of March 31, 2024. The Company’s ability and intent to hold these securities until recovery is supported by the Company’s strong capital and liquidity positions as well as its historically low turnover in the portfolio. As of March 31, 2024, the Company’s securities portfolio included certain securities, which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises: Mortgage backed securities and collateralized mortgage obligations – residential: Corporate Bonds & Other: As of March 31, 2024, corporate and other bonds held by the Company were investment grade quality. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired as of March 31, 2024. Small Business Administration (SBA) - guaranteed participation securities: As of March 31, 2024, all of the SBA securities held by the Company were issued and guaranteed by U.S. Small Business Administration. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired as of March 31, 2024.

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	3 Months Ended
	Mar. 31, 2024
Loan Portfolio and Allowance for Credit Losses [Abstract]
Loan Portfolio and Allowance for Credit Losses	(5) Loan Portfolio and Allowance for Credit Losses The following tables presents loans by portfolio segment: March 31, 2024 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 214,158 $ 40,757 $ 254,915 Other 23,536 641 24,177 Real estate mortgage - 1 to 4 family: First mortgages 2,744,294 1,552,257 4,296,551 Home equity loans 44,207 13,611 57,818 Home equity lines of credit 213,754 142,125 355,879 Installment 11,581 4,585 16,166 Total loans, net $ 3,251,530 $ 1,753,976 5,005,506 Less: Allowance for credit losses 49,220 Net loans $ 4,956,286 * Includes New York, New Jersey, Vermont and Massachussetts. 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 Included in commercial loans above are Paycheck Protection Program (“PPP”) loans totaling $556 thousand and $620 thousand as of March 31, 2024 and December 31, 2023, respectively. As of March 31, 2024, the Company had approximately $25.8 million of real estate construction loans. Of the $25.8 million in real estate construction loans as of March 31, 2024, approximately $7.6 million are secured by first mortgages to residential borrowers while approximately $18.2 million were to commercial borrowers for residential construction projects. The majority of construction loans are in the Company’s New York market. At December 31, 2023, the Company had approximately $29.1 million of real estate construction loans. Of the $29.1 million in real estate construction loans at December 31, 2023, approximately $8.0 million are secured by first mortgages to residential borrowers while approximately $21.1 million were to commercial borrowers for residential construction projects. The majority of construction loans held in 2023 were in the Company’s New York market. Allowance for credit losses on loans The level of the ACLL is based on factors that influence management’s current estimate of expected credit losses including past events and current conditions. Consistent with previous periods, the Company has determined the stagflation forecast scenario to be appropriate for the March 31, 2024 ACLL calculation. The Company selected the stagflation economic forecast for credit losses as management expects that markets will experience a slight decline in economic conditions and a slight increase in the unemployment rate over the next two years. The Company recorded a provision for credit losses of $600 thousand for the three months ended March 31, 2024, which is the result a provision for credit losses on loans of $600 thousand, and there was no provision for credit losses on unfunded commitments. The Company recorded a provision for credit losses of $300 thousand for the three months ended March 31, 2023, which includes a provision for credit losses on loans of $600 thousand, and a benefit for credit losses on unfunded commitments of $300 thousand. Activity in the allowance for credit losses on loans by portfolio segment for the three months ended March 31, 2024 and 2023 is summarized as follows: For the three months ended March 31, 2024 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,735 $ 45,625 $ 218 $ 48,578 Loans charged off: New York and other states* - 117 44 161 Florida - - - - Total loan chargeoffs - 117 44 161 Recoveries of loans previously charged off: New York and other states* - 195 8 203 Florida - - - - Total recoveries - 195 8 203 Net loans (recoveries) charged off - (78 ) 36 (42 ) Provision for credit losses 7 592 1 600 Balance at end of period $ 2,742 $ 46,295 $ 183 $ 49,220 * Includes New York, New Jersey, Vermont and Massachusetts For the three months ended March 31, 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 43,271 165 46,032 Loans charged off: New York and other states* - - 17 17 Florida - - 31 31 Total loan chargeoffs - - 48 48 Recoveries of loans previously charged off: New York and other states* - 53 23 76 Florida - 25 - 25 Total recoveries - 78 23 101 Net loan (recoveries) charged off - (78 ) 25 (53 ) Provision for credit losses 112 417 71 600 Balance at end of period $ 2,708 43,766 211 46,685 * Includes New York, New Jersey, Vermont and Massachusetts. 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 provision for credit losses in the consolidated income statement. The Company’s activity in the allowance for credit losses on unfunded commitments for the three months ended March 31, 2024 and 2023 is as follows: For the three months ended (In thousands) March 31, 2024 Balance at January 31, 2024 $ 1,662 Provision for credit losses - Balance at March 31, 2024 $ 1,662 For the three (In thousands) months ended March 31, 2023 Balance at January 1, 2023 $ 2,912 (Credit) provision for credit losses (300 ) Balance at March 31, 2023 $ 2,612 Loan Credit Quality The Company categorizes commercial loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, the Company’s loan grading process analyzes non-homogeneous loans, such as commercial loans and commercial real estate loans, individually by grading the loans based on credit risk. The loan grades assigned to all loan types are tested by the Company’s internal loan review department in accordance with the Company’s internal loan review policy. The Company uses the following definitions for classified loans: Special Mention : Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Company’s credit position at some future date. Substandard : Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans classified as such have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful : Loans classified as doubtful have all the weaknesses inherent in those loans classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be “pass” rated loans. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for credit losses on loans. The payment status of these homogeneous pools as of March 31, 2024 is also included in the aging of the past due loans table. Nonperforming loans shown in the table below were loans on nonaccrual status and loans over 90 days past due and accruing. As of March 31, 2024 and December 31, 2023, based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs for each loan type by origination year was as follows: (in thousands) As of March 31, 2024 Term Loans Amortized Cost Basis by Origination Year Commercial: 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 10,568 $ 57,315 $ 80,610 $ 23,628 $ 16,206 $ 59,591 $ 5,360 $ - $ 253,278 Special Mention $ - $ - $ 247 $ - $ 37 $ 537 $ - $ - $ 821 Substandard $ - $ - $ - $ - $ - $ 816 $ - $ - $ 816 Total Commercial Loans $ 10,568 $ 57,315 $ 80,857 $ 23,628 $ 16,243 $ 60,944 $ 5,360 $ - $ 254,915 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 1,542 $ 9,170 $ 2,079 $ 1,798 $ 1,329 $ 3,132 $ 4,614 $ - $ 23,664 Special mention $ - $ - $ - $ - $ - $ - $ 38 $ - $ 38 Substandard $ - $ - $ - $ - $ - $ - $ 285 $ - $ 285 Doubtful $ - $ - $ - $ 190 $ - $ - $ - $ - $ 190 Total Commercial Real Estate Loans $ 1,542 $ 9,170 $ 2,079 $ 1,988 $ 1,329 $ 3,132 $ 4,937 $ - $ 24,177 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 49,915 $ 420,073 $ 560,709 $ 865,629 $ 721,417 $ 1,664,927 $ - $ - $ 4,282,670 Nonperforming $ - $ 64 $ 209 $ 539 $ 78 $ 12,991 $ - $ - $ 13,881 Total First Mortgage: $ 49,915 $ 420,137 $ 560,918 $ 866,168 $ 721,495 $ 1,677,918 $ - $ - $ 4,296,551 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 18 $ - $ - $ 18 $ - $ - $ - $ - $ - $ 18 $ - $ - $ 18 Home Equity Loans: Risk rating Performing $ 1,417 $ 9,565 $ 5,884 $ 7,601 $ 5,512 $ 27,515 $ - $ - $ 57,494 Nonperforming $ - $ - $ - $ - $ - $ 324 $ - $ - $ 324 Total Home Equity Loans: $ 1,417 $ 9,565 $ 5,884 $ 7,601 $ 5,512 $ 27,839 $ - $ - $ 57,818 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 812 $ 1,348 $ 712 $ 543 $ 169 $ 15,686 $ 333,534 $ - $ 352,804 Nonperforming $ - $ - $ - $ - $ 56 $ 2,804 $ 215 $ - $ 3,075 Total Home Equity Credit Lines: $ 812 $ 1,348 $ 712 $ 543 $ 225 $ 18,490 $ 333,749 $ - $ 355,879 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 99 $ - $ - $ 99 $ - $ - $ - $ - $ - $ 99 $ - $ - $ 99 Installments: Risk rating Performing $ 984 $ 7,823 $ 4,148 $ 1,273 $ 289 $ 544 $ 956 $ - $ 16,017 Nonperforming $ - $ - $ 46 $ 36 $ - $ 66 $ 1 $ - $ 149 Total Installments $ 984 $ 7,823 $ 4,194 $ 1,309 $ 289 $ 610 $ 957 $ - $ 16,166 Installments Loans: Current-period Gross writeoffs $ - $ 18 $ 19 $ - $ - $ 7 $ - $ - $ 44 $ - $ 18 $ 19 $ - $ - $ 7 $ - $ - $ 44 (in thousands) As of December 31, 2023 Term Loans Amortized Cost Basis by Origination Year Commercial : 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 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 $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 418,891 $ 566,617 $ 878,015 $ 732,851 $ 342,559 $ 1,354,867 $ - $ - $ 4,293,800 Nonperforming 64 210 383 229 1,119 11,300 - - 13,305 Total First Mortgage: $ 418,955 $ 566,827 $ 878,398 $ 733,080 $ 343,678 $ 1,366,167 $ - $ - $ 4,307,105 Residential First 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 Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Credit Lines: 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 Credit Lines Loans: 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 The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through foreclosure or through a deed in lieu). Other real estate owned is included in other assets on the Balance Sheet. Other real estate owned included $2.2 million and $-0- of commercial foreclosed properties, and $ 126 1.9 6.7 8.7 The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2024 and December 31, 2023: As of March 31 2024 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 $ - $ - $ 520 $ 520 $ 213,638 $ 214,158 Other 11 - - 11 23,525 23,536 Real estate mortgage - 1 to 4 family: First mortgages 4,576 1,279 5,873 11,728 2,732,566 2,744,294 Home equity loans 13 89 175 277 43,930 44,207 Home equity lines of credit 383 436 1,578 2,397 211,357 213,754 Installment 38 4 99 141 11,440 11,581 Total $ 5,021 $ 1,808 $ 8,245 $ 15,074 $ 3,236,456 $ 3,251,530 Florida: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - $ - $ - $ - $ 40,757 $ 40,757 Other - - 314 314 327 641 Real estate mortgage - 1 to 4 family: First mortgages 956 1,152 1,287 3,395 1,548,862 1,552,257 Home equity loans - 91 6 97 13,514 13,611 Home equity lines of credit 146 - 143 289 141,836 142,125 Installment 6 8 - 14 4,571 4,585 Total $ 1,108 $ 1,251 $ 1,750 $ 4,109 $ 1,749,867 $ 1,753,976 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 $ - $ - $ 520 $ 520 $ 254,395 $ 254,915 Other 11 - 314 325 23,852 24,177 Real estate mortgage - 1 to 4 family: First mortgages 5,532 2,431 7,160 15,123 4,281,428 4,296,551 Home equity loans 13 180 181 374 57,444 57,818 Home equity lines of credit 529 436 1,721 2,686 353,193 355,879 Installment 44 12 99 155 16,011 16,166 Total $ 6,129 $ 3,059 $ 9,995 $ 19,183 $ 4,986,323 $ 5,005,506 * Includes New York, New Jersey, Vermont and Massachusetts. 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 March 31, 2024, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans include all loans 90 days or more past due as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or restructured loans. Loans individually evaluated for impairment are non-accrual loans delinquent greater than 180 days, non-accrual commercial loans, as well as loans classified as loan modifications. As of March 31, 2024 and 2023, there was no allowance for credit losses based on the loans individually evaluated for impairment. Residential and installment non-accrual loans which are not loan modifications are collectively evaluated to determine the allowance for credit loss. The following tables present the amortized cost basis in non-accrual loans by portfolio segment: As of March 31 2024 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 532 $ - $ 532 Other - 314 314 Real estate mortgage - 1 to 4 family: First mortgages 11,274 2,607 13,881 Home equity loans 281 43 324 Home equity lines of credit 2,803 272 3,075 Installment 149 - 149 Total non-accrual loans 15,039 3,236 18,275 Restructured real estate mortgages - 1 to 4 family - - - Total nonperforming loans $ 15,039 $ 3,236 $ 18,275 * Includes New York, New Jersey, Vermont and Massachusetts. 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 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2024 and December 31, 2023: As of March 31, 2024 (dollars in thousands) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over 89 Days Credit Loss Credit Loss Still Accruing Commercial: Commercial real estate $ 532 $ - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 12,785 1,096 - Home equity loans 275 49 - Home equity lines of credit 2,759 316 - Installment 126 19 - Total loans, net $ 16,791 $ 1,480 - As of December (dollars in s) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over Days Credit Loss Credit Loss Still Accruing Commercial: Commercial real estate $ 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 - The non-accrual balance of $1.5 million and $1.4 million was collectively evaluated and the associated allowance for credit losses on loans was determined not to be material as of March 31, 2024 and December 31, 2023, respectively. The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2024 and December 31, 2023: As of March 31 2024 (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 2,742 46,295 183 49,220 Total ending allowance balance $ 2,742 $ 46,295 $ 183 $ 49,220 Loans: Individually evaluated for impairment $ 952 $ 23,769 $ 126 $ 24,847 Collectively evaluated for impairment 278,140 4,686,479 16,040 4,980,659 Total ending loans balance $ 279,092 $ 4,710,248 $ 16,166 $ 5,005,506 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 A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. Expected credit losses for the collateral dependent loans are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2024 and December 31, 2023: As of March 31, 2024 Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 638 - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 19,774 - - Home equity loans 373 - - Home equity lines of credit 3,622 - - Installment 126 - - Total $ 24,847 - - As of December 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 - - The Company has not committed to lend additional amounts to customers with outstanding loans that are modified. Interest income recognized on loans that are individually evaluated was not material during the three months ended March 31, 2024 and 2023 . As of March 31, 2024 and 2023 loans individually evaluated included approximately $8.1 million and $8.8 million, respectively, of loans in accruing status that were identified as loan modifications in accordance with regulatory guidance related to Chapter 7 and 13 bankruptcy loans. Pursuant to the adoption of ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructuring and Vintage Disclosures (“ASU 2022-02”), a borrower that is experiencing financial difficulty and receives a modification in the form of principal forgiveness, interest rate reduction, an other-than-insignificant payment delay or a term extension in the current period needs to be disclosed. The following table presents the amortized cost basis of loans at March 31, 2024 that were both experiencing financial difficulty and modified during the three months ended March 31, 2024, by class and by type of modification. There were no loan modifications for the three months ended March 31, 2023. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below : For the three months ended March 31, 2024 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 - - Home equity loans - - Home equity lines of credit - - Installment - - Total $ - 0.00 % 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 85 0.01 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 85 0.00 % 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 85 0.00 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 85 0.00 % * 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 March 31, 2024: As of March 31, 2024 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 - - - - - Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ - $ - $ - $ - $ - 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 85 - - - 85 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 85 $ - $ - $ - $ 85 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 85 - - - 85 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 85 $ - $ - $ - $ 85 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty: For the three months ended March 31, 2024 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 - Home equity loans - Home equity lines of credit - Installment - Total $ - Weighted Florida: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate $ - Other - Real estate mortgage - 1 to 4 family: First mortgages 12 Home equity loans - Home equity lines of credit - Installment - Total $ 12 Weighted Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate $ - Other - Real estate mortgage - 1 to 4 family: First mortgages 12 Home equity loans - Home equity lines of credit - Installment - Total $ 12 * Includes New York, New Jersey, Vermont and Massachusetts. The addition of these loan modifications did not have a significant impact on the allowance for credit losses on loans. The nature of the modifications that resulted in them being classified as a loan modification was the borrower filing for bankruptcy protection. There were no loans that defaulted during the months ended March and which had been classified as a loan modification within the months. In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they did not reaffirm the debt. A loan is considered to be in payment default once it is contractually past due under the modified terms. In situations involving a borrower filing for Chapter bankruptcy protection, however, a loan is considered to be in payment default once it is contractually past due, consistent with the treatment by the bankruptcy court.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2024
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	(6) Fair Value of Financial Instruments FASB Topic 820, Fair Value Measurements 820 ”) Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Individually evaluated loans : Periodically the Company records non-recurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans. Non-recurring adjustments can also include certain adjustments for collateral-dependent loans to adjust balances to fair value and generally have had a through the allowance for credit losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. Indications of value for both collateral-dependent loans and other real estate owned are obtained from third party providers or the Company’s internal Appraisal Department. All indications of value are reviewed for reasonableness by a member of the Appraisal Department for the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value via comparison with independent data sources such as recent market data or industry-wide statistics. There were no transfers between Level 1 and Level 2 during the three months ended March 31, 2024 and 2023. Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at March 31 2024 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) U.S. government sponsored enterprises $ 128,854 $ - $ 128,854 $ - State and political subdivisions 26 - 26 - Mortgage backed securities and collateralized mortgage obligations - residential 227,078 - 227,078 - Corporate bonds 53,341 - 53,341 - Small Business Administration- guaranteed participation securities 16,260 - 16,260 - Other securities 682 - 682 - Total securities available for sale $ 426,241 $ - $ 426,241 $ - Fair Value Measurements at December 31, 2023 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) 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 securities 680 - 680 - Total securities available for sale $ 452,289 $ - $ 452,289 $ - Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at March 31, 2024 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 2,334 $ - $ - $ 2,334 Sales comparison approach Adjustments for differences between comparable sales 1% - 1% (1 %) Fair Value Measurements at December 31, 2023 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 194 $ - $ - $ 194 Sales comparison approach Adjustments for differences between comparable sales 0% - 39% (20 %) Other real estate owned, that is carried at fair value less costs to sell was approximately $2.3 million as of March 31, 2024 and consisted of residential and commercial real estate properties. There were no valuation charges included in earnings for the three months ended March Of the total individually evaluated loans of $24.8 million as of March 31, 2024, there are no loans that are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge-offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans as of March 31, 2024. There were no gross charge-offs related to residential individually evaluated loans included in the table above. 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 individually evaluated loans included in the table above. In accordance with FASB Topic 825, Financial Instruments March (dollars in thousands) Fair Value Measurements at Carrying March 31 2024 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 609,683 609,683 - - 609,683 Securities available for sale 426,241 - 426,241 - 426,241 Held to maturity securities 6,206 - 6,108 - 6,108 Federal Home Loan Bank stock 6,203 N/A N/A N/A N/A Net loans 4,956,286 - - 4,432,000 4,432,000 Accrued interest receivable 14,460 799 2,073 11,588 14,460 Financial liabilities: Demand deposits 742,997 742,997 - - 742,997 Interest bearing deposits 4,612,172 2,708,264 1,886,696 - 4,594,960 Short-term borrowings 94,374 - 94,374 - 94,374 Accrued interest payable 3,900 248 3,652 - 3,900 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2023 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

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss	3 Months Ended
	Mar. 31, 2024
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Loss	(7) Accumulated Other Comprehensive Loss The following is a summary of the accumulated other comprehensive income loss balances, net of tax: Three months ended March 31, 2024 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2023 Reclassifications Loss 3/31/2024 3/31/2024 Net unrealized holding loss on securities available for sale, net of tax $ (23,899 ) (1,378 ) - (1,378 ) (25,277 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,476 - - - 13,476 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,814 ) - (148 ) (148 ) (2,962 ) Accumulated other comprehensive loss, net of tax $ (13,237 ) (1,378 ) (148 ) (1,526 ) (14,763 ) Three months ended March 31, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2022 Reclassifications Loss 3/31/2023 3/31/2023 Net unrealized holding gain on securities available for sale, net of tax $ (32,271 ) 3,901 - 3,901 (28,370 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,511 ) - (82 ) (82 ) (2,593 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) 3,901 (82 ) 3,819 (23,375 ) The following represents the reclassifications out of accumulated other comprehensive loss for the three months ended March 31, 2024 and 2023: (dollars in thousands) Three months ended March 31 2024 2023 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 203 114 Salaries and employee benefits Amortization of prior service cost (3 ) (3 ) Salaries and employee benefits Income tax benefit (52 ) (29 ) Income taxes Net of tax 148 82 Total reclassifications, net of tax $ 148 82

Revenue from Contracts with Cus

Revenue from Contracts with Customers	3 Months Ended
	Mar. 31, 2024
Revenue from Contracts with Customers [Abstract]
Revenue from Contracts with Customers	(8) Revenue from Contracts with Customers All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within non-Interest Income. The following table presents the Company’s sources of non-Interest Income for the three months ended March 31, 2024 and 2023. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended March 31 2024 2023 Non-interest income Service Charges on Deposits Overdraft fees $ 663 $ 680 Other 511 532 Interchange Income 1,597 1,479 Wealth management fees 1,816 1,774 Other (a) 256 204 Total non-interest income $ 4,843 $ 4,669 (a) A description of the Company’s revenue streams accounted in accordance with ASC 606 as follows: Service charges on Deposit Accounts: Interchange Income: Wealth Management fees:

Operating Leases

Operating Leases	3 Months Ended
	Mar. 31, 2024
Operating Leases [Abstract]
Operating Leases	(9) Operating Leases The Company has committed to rent premises used in business operations under non-cancelable operating leases and determines if an arrangement meets the definition of a lease upon inception. Operating leases are included in operating lease right-of-use (“ROU”) assets and operating lease liabilities on the Company’s balance sheets. Operating lease ROU assets represent the Company’s right to use an underlying asset for the lease term and lease liabilities represent the Company’s obligation to make lease payments arising from the lease. Operating lease ROU assets and lease liabilities are recognized at the commencement date based on the present value of lease payments over the lease term. The Company’s leases do not provide an implicit rate, therefore the Company used its incremental collateralized borrowing rates commensurate with the underlying lease terms to determine present value of operating lease liabilities. Additionally, the Company does allocate the consideration between lease and non-lease components. The Company’s lease terms may include options to extend when it is reasonably certain that the Company will exercise that option. Lease expense for lease payments is recognized on a straight-line basis over the lease term. Variable lease components, such as fair market value adjustments, are expensed as incurred and not included in ROU assets and operating lease liabilities. Leases with an initial term of 12 months or less are not recorded on the balance sheet; we recognize lease expense for these leases on a straight-line basis over the lease term. As of March 31, 2024, the Company did not have any leases with terms of twelve months or less. As of March 31, 2024 , , Other information related to leases was as follows: (dollars in thousands) Three months ended March 31 2024 2023 Operating lease cost $ 2,097 2,050 Variable lease cost 606 585 Total Lease costs $ 2,703 2,635 (dollars in thousands) Three months ended March 31 2024 2023 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,124 2,072 Right-of-use assets obtained in exchange for lease obligations: 759 385 Weighted average remaining lease term 8.4 8.7 years Weighted average discount rate 3.12 % 3.00 % Future minimum lease payments under non-cancellable leases as of March 31, 2024 were as follows: (dollars in thousands) Year ending December 31 2024 (a) $ 6,362 2025 8,156 2026 7,183 2027 5,974 2028 4,786 Thereafter 17,085 Total lease payments $ 49,546 Less: Interest 6,108 Present value of lease liabilities $ 43,438 (a) Excluding the three months ended March 31, 2024. A member of the Board of Directors has an ownership interest in five entities that own commercial real estate leased by the Company for use as branch locations. Total lease payments from the Company to those entities, which are included in the table above, owed as of

Regulatory Capital Requirements

Regulatory Capital Requirements	3 Months Ended
	Mar. 31, 2024
Regulatory Capital Requirements [Abstract]
Regulatory Capital Requirements	(10) Regulatory Capital Requirements Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy regulations and, additionally for banks, the prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can result in regulatory action. As of March 31, 2024, the Company and Bank meet all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is not classified as well capitalized, regulatory approval is required to accept brokered deposits. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of March 31, 2024 and December 31, 2023, the most recent regulatory notifications categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank and the Company reported the following capital ratios as of March 31 : (Bank Only) Minimum for As of March 31, 2024 Well Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 640,288 10.427 % 5.000 % 4.000 % Common equity tier 1 capital 640,288 18.505 6.500 7.000 Tier 1 risk-based capital 640,288 18.505 8.000 8.500 Total risk-based capital 683,633 19.758 10.000 10.500 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 (Consolidated) As of March 31, 2024 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 663,400 10.798 % 4.000 % Common equity tier 1 capital 663,400 19.168 7.000 Tier 1 risk-based capital 663,400 19.168 8.500 Total risk-based capital 706,757 20.421 10.500 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 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The March 31, 2024 and December 31, 2023 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent

New Accounting Pronouncements

New Accounting Pronouncements	3 Months Ended
	Mar. 31, 2024
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	(11) New Accounting Pronouncements In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures. ASU 2023-07 expands reportable segment disclosure requirements through enhanced disclosures about significant segment expenses. ASU 2023-07 implements a new requirement to disclose significant segment expenses regularly provided to the chief operating decision maker, expands certain annual disclosures to interim periods, clarifies that single reportable segment entities must apply Topic 280 in its entirety and permits more than one measure of segment profit or loss to be reported under certain conditions. ASU 2023-07 is effective for the Company for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024, with early adoption permitted. The Company is evaluating the requirements of the expanded segment disclosures but does not currently expect the additional disclosures to have a material impact on the Company’s consolidated financial statements. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures. ASU 2023-09 is focused on additional income tax disclosures and requires public business entities, on an annual basis, to disclose specific categories in the rate reconciliation and provide additional information for reconciling items that meet a quantitative threshold (if the effect of those reconciling items is equal to or greater than 5 percent of the amount computed by multiplying pretax income by the applicable statutory income tax rate). ASU 2023-09 is effective for the Company for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2024, with early adoption permitted. While the Company is currently assessing the impact applying this standard will have on its income tax disclosures, the adoption of ASU 2023-09 is not expected to have a material impact on the Company’s consolidated financial statements.

Insider Trading Arrangements

Insider Trading Arrangements	3 Months Ended
	Mar. 31, 2024
Insider Trading Arrangements [Line Items]
Rule 10b5-1 Arrangement Adopted [Flag]	false
Non-Rule 10b5-1 Arrangement Adopted [Flag]	false
Rule 10b5-1 Arrangement Terminated [Flag]	false
Non-Rule 10b5-1 Arrangement Terminated [Flag]	false

Earnings Per Share (Tables)

Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2024
Earnings Per Share [Abstract]
Reconciliation of Earnings Per Share	A reconciliation of the component parts of earnings per share for the three months ended March 31, 2024 and 2023 is as follows: (in thousands, except per share data) For the three months ended March 31 2024 2023 Net income $ 12,126 $ 17,746 Weighted average common shares 19,024 19,024 Stock Options and Restricted Stock Units 8 3 Weighted average common shares including potential dilutive shares 19,032 19,027 Basic EPS $ 0.64 $ 0.93 Diluted EPS $ 0.64 $ 0.93

Benefit Plans (Tables)

Benefit Plans (Tables)	3 Months Ended
	Mar. 31, 2024
Benefit Plans [Abstract]
Net Periodic Benefit	The table below outlines the components of the Company’s net periodic benefit recognized during the months ended March and for its pension and other postretirement benefit plans: Three March 31 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2024 2023 2024 2023 Service cost $ - $ - $ 5 $ 2 Interest cost 289 302 72 66 Expected return on plan assets (762 ) (680 ) (331 ) (289 ) Amortization of net gain (19 ) - (184 ) (114 ) Amortization of prior service cost - - 3 3 Net periodic benefit $ (492 ) $ (378 ) $ (435 ) $ (332 )

Investment Securities (Tables)

Investment Securities (Tables)	3 Months Ended
	Mar. 31, 2024
Investment Securities [Abstract]
Amortized Cost and Fair Value of Securities Available For Sale	The amortized cost and fair value of the securities available for sale are as follows: March 31 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 131,755 $ 4 $ 2,905 $ 128,854 State and political subdivisions 26 - - 26 Mortgage backed securities and collateralized mortgage obligations - residential 254,806 158 27,886 227,078 Corporate bonds 55,078 - 1,737 53,341 Small Business Administration - guaranteed participation securities 17,984 - 1,724 16,260 Other 688 7 13 682 Total Securities Available for Sale $ 460,337 $ 169 $ 34,265 $ 426,241 December 31, 2023 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses 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
Securities, Available-for-sale and Held-to-maturity [Abstract]
Proceeds from Sales and Calls of Securities Available For Sale, Gross Realized Gains and Gross Realized Losses	The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three months ended March 31, 2024 and 2023 are as follows: Three months ended March 31, (dollars in thousands) 2024 2023 Proceeds from sales $ - - Proceeds from calls/paydowns 8,841 14,659 Proceeds from maturities 35,000 - Gross realized gains - - Gross realized losses - -
Amortized Cost and Fair Value of Held to Maturity Securities	The amortized cost and fair value of the held to maturity securities are as follows: March 31 2024 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,206 49 147 6,108 Total held to maturity $ 6,206 49 147 6,108 December 31, 2023 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses 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
Securities Available for Sale [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table categorizes based on the securities’ final maturity. Actual maturities may differ because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Securities not due at a single maturity date are presented separately: Amortized Fair (dollars in thousands) Cost Value Due in one year or less $ 70,613 $ 69,407 Due after one year through five years 116,934 113,496 Mortgage backed securities and collateralized mortgage obligations - residential 254,806 227,078 Small Business Administration - guaranteed participation securities 17,984 16,260 $ 460,337 $ 426,241
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: March 31 2024 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unreal. (dollars in thousands) Value Loss Value Loss Value Loss U.S. government sponsored enterprises $ 14,993 7 106,358 2,898 121,351 2,905 Mortgage backed securities and collateralized mortgage obligations - residential 2,907 10 217,331 27,876 220,238 27,886 Corporate bonds - - 53,341 1,737 53,341 1,737 Small Business Administration - guaranteed participation securities - - 16,260 1,724 16,260 1,724 Other - - 637 13 637 13 Total $ 17,900 17 393,927 34,248 411,827 34,265 December 31, 2023 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unreal. Fair Unreal. Fair Unreal. (dollars in thousands) Value Loss Value Loss Value 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 Small Business Administration - guaranteed participation securities - - 17,186 1,554 17,186 1,554 Other - - 631 18 631 18 Total $ - - 439,923 32,510 439,923 32,510
Held to Maturity Securities [Member]
Securities, Available-for-sale and Held-to-maturity [Abstract]
Debt Securities Based on Securities Contractual Maturity	The following table categorizes (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 6,206 6,108 $ 6,206 6,108
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrecognized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrecognized loss position, were as follows: March 31, 2024 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 136 3 2,523 144 2,659 147 Total $ 136 3 2,523 144 2,659 147 December 31, 2023 Less than 12 months (dollars in thousands) 12 months or more Total Gross Gross Gross Fair Unrec. Fair Unrec. Fair Unrec. Value Loss Value Loss Value Loss Mortgage backed securities and collateralized mortgage obligations - residential $ 283 3 2,703 133 2,986 136 Total $ 283 3 2,703 133 2,986 136

Loan Portfolio and Allowance _2

Loan Portfolio and Allowance for Credit Losses (Tables)	3 Months Ended
	Mar. 31, 2024
Loan Portfolio and Allowance for Credit Losses [Abstract]
Recorded Investment in Loans by Portfolio Segment	The following tables presents loans by portfolio segment: March 31, 2024 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 214,158 $ 40,757 $ 254,915 Other 23,536 641 24,177 Real estate mortgage - 1 to 4 family: First mortgages 2,744,294 1,552,257 4,296,551 Home equity loans 44,207 13,611 57,818 Home equity lines of credit 213,754 142,125 355,879 Installment 11,581 4,585 16,166 Total loans, net $ 3,251,530 $ 1,753,976 5,005,506 Less: Allowance for credit losses 49,220 Net loans $ 4,956,286 * Includes New York, New Jersey, Vermont and Massachussetts. 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
Activity in Allowance For Credit Losses on Loans by Portfolio Segment	Activity in the allowance for credit losses on loans by portfolio segment for the three months ended March 31, 2024 and 2023 is summarized as follows: For the three months ended March 31, 2024 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,735 $ 45,625 $ 218 $ 48,578 Loans charged off: New York and other states* - 117 44 161 Florida - - - - Total loan chargeoffs - 117 44 161 Recoveries of loans previously charged off: New York and other states* - 195 8 203 Florida - - - - Total recoveries - 195 8 203 Net loans (recoveries) charged off - (78 ) 36 (42 ) Provision for credit losses 7 592 1 600 Balance at end of period $ 2,742 $ 46,295 $ 183 $ 49,220 * Includes New York, New Jersey, Vermont and Massachusetts For the three months ended March 31, 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 43,271 165 46,032 Loans charged off: New York and other states* - - 17 17 Florida - - 31 31 Total loan chargeoffs - - 48 48 Recoveries of loans previously charged off: New York and other states* - 53 23 76 Florida - 25 - 25 Total recoveries - 78 23 101 Net loan (recoveries) charged off - (78 ) 25 (53 ) Provision for credit losses 112 417 71 600 Balance at end of period $ 2,708 43,766 211 46,685 * Includes New York, New Jersey, Vermont and Massachusetts.
Allowance for Credit Losses on Unfunded Commitments	The Company’s activity in the allowance for credit losses on unfunded commitments for the three months ended March 31, 2024 and 2023 is as follows: For the three months ended (In thousands) March 31, 2024 Balance at January 31, 2024 $ 1,662 Provision for credit losses - Balance at March 31, 2024 $ 1,662 For the three (In thousands) months ended March 31, 2023 Balance at January 1, 2023 $ 2,912 (Credit) provision for credit losses (300 ) Balance at March 31, 2023 $ 2,612
Risk Category Loans by Class of Loans	As of March 31, 2024 and December 31, 2023, based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs for each loan type by origination year was as follows: (in thousands) As of March 31, 2024 Term Loans Amortized Cost Basis by Origination Year Commercial: 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 10,568 $ 57,315 $ 80,610 $ 23,628 $ 16,206 $ 59,591 $ 5,360 $ - $ 253,278 Special Mention $ - $ - $ 247 $ - $ 37 $ 537 $ - $ - $ 821 Substandard $ - $ - $ - $ - $ - $ 816 $ - $ - $ 816 Total Commercial Loans $ 10,568 $ 57,315 $ 80,857 $ 23,628 $ 16,243 $ 60,944 $ 5,360 $ - $ 254,915 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 1,542 $ 9,170 $ 2,079 $ 1,798 $ 1,329 $ 3,132 $ 4,614 $ - $ 23,664 Special mention $ - $ - $ - $ - $ - $ - $ 38 $ - $ 38 Substandard $ - $ - $ - $ - $ - $ - $ 285 $ - $ 285 Doubtful $ - $ - $ - $ 190 $ - $ - $ - $ - $ 190 Total Commercial Real Estate Loans $ 1,542 $ 9,170 $ 2,079 $ 1,988 $ 1,329 $ 3,132 $ 4,937 $ - $ 24,177 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 49,915 $ 420,073 $ 560,709 $ 865,629 $ 721,417 $ 1,664,927 $ - $ - $ 4,282,670 Nonperforming $ - $ 64 $ 209 $ 539 $ 78 $ 12,991 $ - $ - $ 13,881 Total First Mortgage: $ 49,915 $ 420,137 $ 560,918 $ 866,168 $ 721,495 $ 1,677,918 $ - $ - $ 4,296,551 Residential First Mortgage Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 18 $ - $ - $ 18 $ - $ - $ - $ - $ - $ 18 $ - $ - $ 18 Home Equity Loans: Risk rating Performing $ 1,417 $ 9,565 $ 5,884 $ 7,601 $ 5,512 $ 27,515 $ - $ - $ 57,494 Nonperforming $ - $ - $ - $ - $ - $ 324 $ - $ - $ 324 Total Home Equity Loans: $ 1,417 $ 9,565 $ 5,884 $ 7,601 $ 5,512 $ 27,839 $ - $ - $ 57,818 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 812 $ 1,348 $ 712 $ 543 $ 169 $ 15,686 $ 333,534 $ - $ 352,804 Nonperforming $ - $ - $ - $ - $ 56 $ 2,804 $ 215 $ - $ 3,075 Total Home Equity Credit Lines: $ 812 $ 1,348 $ 712 $ 543 $ 225 $ 18,490 $ 333,749 $ - $ 355,879 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 99 $ - $ - $ 99 $ - $ - $ - $ - $ - $ 99 $ - $ - $ 99 Installments: Risk rating Performing $ 984 $ 7,823 $ 4,148 $ 1,273 $ 289 $ 544 $ 956 $ - $ 16,017 Nonperforming $ - $ - $ 46 $ 36 $ - $ 66 $ 1 $ - $ 149 Total Installments $ 984 $ 7,823 $ 4,194 $ 1,309 $ 289 $ 610 $ 957 $ - $ 16,166 Installments Loans: Current-period Gross writeoffs $ - $ 18 $ 19 $ - $ - $ 7 $ - $ - $ 44 $ - $ 18 $ 19 $ - $ - $ 7 $ - $ - $ 44 (in thousands) As of December 31, 2023 Term Loans Amortized Cost Basis by Origination Year Commercial : 2023 2022 2021 2020 2019 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Risk rating Pass $ 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 $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 418,891 $ 566,617 $ 878,015 $ 732,851 $ 342,559 $ 1,354,867 $ - $ - $ 4,293,800 Nonperforming 64 210 383 229 1,119 11,300 - - 13,305 Total First Mortgage: $ 418,955 $ 566,827 $ 878,398 $ 733,080 $ 343,678 $ 1,366,167 $ - $ - $ 4,307,105 Residential First 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 Lines Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Credit Lines: 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 Credit Lines Loans: 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
Aging of Recorded Investment in Past Due Loans by Loan Class and by Region	The following tables present the aging of the amortized cost in past due loans by loan class and by region as of March 31, 2024 and December 31, 2023: As of March 31 2024 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 $ - $ - $ 520 $ 520 $ 213,638 $ 214,158 Other 11 - - 11 23,525 23,536 Real estate mortgage - 1 to 4 family: First mortgages 4,576 1,279 5,873 11,728 2,732,566 2,744,294 Home equity loans 13 89 175 277 43,930 44,207 Home equity lines of credit 383 436 1,578 2,397 211,357 213,754 Installment 38 4 99 141 11,440 11,581 Total $ 5,021 $ 1,808 $ 8,245 $ 15,074 $ 3,236,456 $ 3,251,530 Florida: 30-59 60-89 90 + Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - $ - $ - $ - $ 40,757 $ 40,757 Other - - 314 314 327 641 Real estate mortgage - 1 to 4 family: First mortgages 956 1,152 1,287 3,395 1,548,862 1,552,257 Home equity loans - 91 6 97 13,514 13,611 Home equity lines of credit 146 - 143 289 141,836 142,125 Installment 6 8 - 14 4,571 4,585 Total $ 1,108 $ 1,251 $ 1,750 $ 4,109 $ 1,749,867 $ 1,753,976 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 $ - $ - $ 520 $ 520 $ 254,395 $ 254,915 Other 11 - 314 325 23,852 24,177 Real estate mortgage - 1 to 4 family: First mortgages 5,532 2,431 7,160 15,123 4,281,428 4,296,551 Home equity loans 13 180 181 374 57,444 57,818 Home equity lines of credit 529 436 1,721 2,686 353,193 355,879 Installment 44 12 99 155 16,011 16,166 Total $ 6,129 $ 3,059 $ 9,995 $ 19,183 $ 4,986,323 $ 5,005,506 * Includes New York, New Jersey, Vermont and Massachusetts. 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.
Recorded Investment in Non-Accrual Loans by Loan Class	The following tables present the amortized cost basis in non-accrual loans by portfolio segment: As of March 31 2024 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 532 $ - $ 532 Other - 314 314 Real estate mortgage - 1 to 4 family: First mortgages 11,274 2,607 13,881 Home equity loans 281 43 324 Home equity lines of credit 2,803 272 3,075 Installment 149 - 149 Total non-accrual loans 15,039 3,236 18,275 Restructured real estate mortgages - 1 to 4 family - - - Total nonperforming loans $ 15,039 $ 3,236 $ 18,275 * Includes New York, New Jersey, Vermont and Massachusetts. 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 * Includes New York, New Jersey, Vermont and Massachusetts.
Loans on Non-Accrual Status and Past Due More than 90 Days	The following tables present the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of March 31, 2024 and December 31, 2023: As of March 31, 2024 (dollars in thousands) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over 89 Days Credit Loss Credit Loss Still Accruing Commercial: Commercial real estate $ 532 $ - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 12,785 1,096 - Home equity loans 275 49 - Home equity lines of credit 2,759 316 - Installment 126 19 - Total loans, net $ 16,791 $ 1,480 - As of December (dollars in s) Non-accrual With Non-accrual With Loans Past Due No Allowance for Allowance for Over Days Credit Loss Credit Loss Still Accruing Commercial: Commercial real estate $ 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 -
Allowance For Credit Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method	The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of March 31, 2024 and December 31, 2023: As of March 31 2024 (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 2,742 46,295 183 49,220 Total ending allowance balance $ 2,742 $ 46,295 $ 183 $ 49,220 Loans: Individually evaluated for impairment $ 952 $ 23,769 $ 126 $ 24,847 Collectively evaluated for impairment 278,140 4,686,479 16,040 4,980,659 Total ending loans balance $ 279,092 $ 4,710,248 $ 16,166 $ 5,005,506 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
Amortized Cost of Collateral-dependent Loans by Class	The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of March 31, 2024 and December 31, 2023: As of March 31, 2024 Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 638 - - Other 314 - - Real estate mortgage - 1 to 4 family: First mortgages 19,774 - - Home equity loans 373 - - Home equity lines of credit 3,622 - - Installment 126 - - Total $ 24,847 - - As of December 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 - -
Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications	The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below : For the three months ended March 31, 2024 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 - - Home equity loans - - Home equity lines of credit - - Installment - - Total $ - 0.00 % 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 85 0.01 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 85 0.00 % 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 85 0.00 % Home equity loans - - Home equity lines of credit - - Installment - - Total $ 85 0.00 % * 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 March 31, 2024: As of March 31, 2024 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 - - - - - Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ - $ - $ - $ - $ - 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 85 - - - 85 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 85 $ - $ - $ - $ 85 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 85 - - - 85 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 85 $ - $ - $ - $ 85 * Includes New York, New Jersey, Vermont and Massachusetts.
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty	The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty: For the three months ended March 31, 2024 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 - Home equity loans - Home equity lines of credit - Installment - Total $ - Weighted Florida: Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate $ - Other - Real estate mortgage - 1 to 4 family: First mortgages 12 Home equity loans - Home equity lines of credit - Installment - Total $ 12 Weighted Average Payment (dollars in thousands) Delay (Months) Commercial: Commercial real estate $ - Other - Real estate mortgage - 1 to 4 family: First mortgages 12 Home equity loans - Home equity lines of credit - Installment - Total $ 12 * Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2024
Fair Value of Financial Instruments [Abstract]
Assets and Liabilities Measured at Fair Value on Recurring Basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at March 31 2024 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) U.S. government sponsored enterprises $ 128,854 $ - $ 128,854 $ - State and political subdivisions 26 - 26 - Mortgage backed securities and collateralized mortgage obligations - residential 227,078 - 227,078 - Corporate bonds 53,341 - 53,341 - Small Business Administration- guaranteed participation securities 16,260 - 16,260 - Other securities 682 - 682 - Total securities available for sale $ 426,241 $ - $ 426,241 $ - Fair Value Measurements at December 31, 2023 Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) 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 securities 680 - 680 - Total securities available for sale $ 452,289 $ - $ 452,289 $ -
Assets Measured at Fair Value on Non-Recurring Basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at March 31, 2024 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 2,334 $ - $ - $ 2,334 Sales comparison approach Adjustments for differences between comparable sales 1% - 1% (1 %) Fair Value Measurements at December 31, 2023 Using: Significant Quoted Prices in Other Significant Active Markets for Observable Unobservable Carrying Identical Assets Inputs Inputs (dollars in thousands) Value (Level 1) (Level 2) (Level 3) Valuation technique Unobservable inputs Range (Weighted Average) Other real estate owned $ 194 $ - $ - $ 194 Sales comparison approach Adjustments for differences between comparable sales 0% - 39% (20 %)
Carrying Amounts and Estimated Fair Values of Financial Instruments	In accordance with FASB Topic 825, Financial Instruments March (dollars in thousands) Fair Value Measurements at Carrying March 31 2024 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 609,683 609,683 - - 609,683 Securities available for sale 426,241 - 426,241 - 426,241 Held to maturity securities 6,206 - 6,108 - 6,108 Federal Home Loan Bank stock 6,203 N/A N/A N/A N/A Net loans 4,956,286 - - 4,432,000 4,432,000 Accrued interest receivable 14,460 799 2,073 11,588 14,460 Financial liabilities: Demand deposits 742,997 742,997 - - 742,997 Interest bearing deposits 4,612,172 2,708,264 1,886,696 - 4,594,960 Short-term borrowings 94,374 - 94,374 - 94,374 Accrued interest payable 3,900 248 3,652 - 3,900 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2023 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

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2024
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax	The following is a summary of the accumulated other comprehensive income loss balances, net of tax: Three months ended March 31, 2024 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2023 Reclassifications Loss 3/31/2024 3/31/2024 Net unrealized holding loss on securities available for sale, net of tax $ (23,899 ) (1,378 ) - (1,378 ) (25,277 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 13,476 - - - 13,476 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,814 ) - (148 ) (148 ) (2,962 ) Accumulated other comprehensive loss, net of tax $ (13,237 ) (1,378 ) (148 ) (1,526 ) (14,763 ) Three months ended March 31, 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 12/31/2022 Reclassifications Loss 3/31/2023 3/31/2023 Net unrealized holding gain on securities available for sale, net of tax $ (32,271 ) 3,901 - 3,901 (28,370 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,511 ) - (82 ) (82 ) (2,593 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) 3,901 (82 ) 3,819 (23,375 )
Reclassifications out of Accumulated Other Comprehensive Loss	The following represents the reclassifications out of accumulated other comprehensive loss for the three months ended March 31, 2024 and 2023: (dollars in thousands) Three months ended March 31 2024 2023 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 203 114 Salaries and employee benefits Amortization of prior service cost (3 ) (3 ) Salaries and employee benefits Income tax benefit (52 ) (29 ) Income taxes Net of tax 148 82 Total reclassifications, net of tax $ 148 82

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	3 Months Ended
	Mar. 31, 2024
Revenue from Contracts with Customers [Abstract]
Source of Non-Interest Income	All of the Company’s revenue from contracts with customers in the scope of ASC 606 is recognized within non-Interest Income. The following table presents the Company’s sources of non-Interest Income for the three months ended March 31, 2024 and 2023. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended March 31 2024 2023 Non-interest income Service Charges on Deposits Overdraft fees $ 663 $ 680 Other 511 532 Interchange Income 1,597 1,479 Wealth management fees 1,816 1,774 Other (a) 256 204 Total non-interest income $ 4,843 $ 4,669 (a)

Operating Leases (Tables)

Operating Leases (Tables)	3 Months Ended
	Mar. 31, 2024
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) Three months ended March 31 2024 2023 Operating lease cost $ 2,097 2,050 Variable lease cost 606 585 Total Lease costs $ 2,703 2,635
Supplemental Cash Flows Information	(dollars in thousands) Three months ended March 31 2024 2023 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 2,124 2,072 Right-of-use assets obtained in exchange for lease obligations: 759 385 Weighted average remaining lease term 8.4 8.7 years Weighted average discount rate 3.12 % 3.00 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of March 31, 2024 were as follows: (dollars in thousands) Year ending December 31 2024 (a) $ 6,362 2025 8,156 2026 7,183 2027 5,974 2028 4,786 Thereafter 17,085 Total lease payments $ 49,546 Less: Interest 6,108 Present value of lease liabilities $ 43,438 (a) Excluding the three months ended March 31, 2024.

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	3 Months Ended
	Mar. 31, 2024
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank and the Company reported the following capital ratios as of March 31 : (Bank Only) Minimum for As of March 31, 2024 Well Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio $ 640,288 10.427 % 5.000 % 4.000 % Common equity tier 1 capital 640,288 18.505 6.500 7.000 Tier 1 risk-based capital 640,288 18.505 8.000 8.500 Total risk-based capital 683,633 19.758 10.000 10.500 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 (Consolidated) As of March 31, 2024 Minimum for Capital Adequacy plus Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio $ 663,400 10.798 % 4.000 % Common equity tier 1 capital 663,400 19.168 7.000 Tier 1 risk-based capital 663,400 19.168 8.500 Total risk-based capital 706,757 20.421 10.500 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 (1) Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized (2) The March 31, 2024 and December 31, 2023 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 12,126	$ 17,746
Weighted average common shares (in shares)	19,024	19,024
Stock Options and Restricted Stock Units (in shares)	8	3
Weighted average common shares including potential dilutive shares (in shares)	19,032	19,027
Basic EPS (in dollars per share)	$ 0.64	$ 0.93
Diluted EPS (in dollars per share)	$ 0.64	$ 0.93
Stock Options [Member]
Antidilutive Securities [Abstract]
Number of anti-dilutive stock options excluded from diluted earnings per share (in shares)	48	2

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Components of net periodic benefit cost [Abstract]
Contribution made to pension and postretirement plans	$ 0
Pension Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	0	$ 0
Interest cost	289	302
Expected return on plan assets	(762)	(680)
Amortization of net gain	(19)	0
Amortization of prior service cost	0	0
Net periodic benefit	(492)	(378)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	5	2
Interest cost	72	66
Expected return on plan assets	(331)	(289)
Amortization of net gain	(184)	(114)
Amortization of prior service cost	3	3
Net periodic benefit	$ (435)	$ (332)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 460,337	$ 484,513
Gross Unrealized Gains	169	286
Gross Unrealized Losses	34,265	32,510
Fair Value	426,241	452,289
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	131,755	121,728
Gross Unrealized Gains	4	5
Gross Unrealized Losses	2,905	3,065
Fair Value	128,854	118,668
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	26	26
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	26	26
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	254,806	263,182
Gross Unrealized Gains	158	270
Gross Unrealized Losses	27,886	25,775
Fair Value	227,078	237,677
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	55,078	80,150
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,737	2,098
Fair Value	53,341	78,052
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	17,984	18,740
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,724	1,554
Fair Value	16,260	17,186
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	688	687
Gross Unrealized Gains	7	11
Gross Unrealized Losses	13	18
Fair Value	$ 682	$ 680

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized Cost [Abstract]
Due in one year or less	$ 70,613
Due after one year through five years	116,934
Amortized Cost	460,337	$ 484,513
Fair Value [Abstract]
Due in one year or less	69,407
Due in one year through five years	113,496
Fair Value	426,241	452,289
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	254,806
Amortized Cost	254,806	263,182
Fair Value [Abstract]
Securities, fair value	227,078
Fair Value	227,078	237,677
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	17,984
Amortized Cost	17,984	18,740
Fair Value [Abstract]
Securities, fair value	16,260
Fair Value	$ 16,260	$ 17,186

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 17,900	$ 0
12 months or more - Fair Value	393,927	439,923
Total - Fair Value	411,827	439,923
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	17	0
12 months or more - Gross Unrealized Loss	34,248	32,510
Total - Gross Unrealized Loss	34,265	32,510
Available-for-sale, allowance for credit loss	0		$ 0
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	14,993	0
12 months or more - Fair Value	106,358	116,163
Total - Fair Value	121,351	116,163
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	7	0
12 months or more - Gross Unrealized Loss	2,898	3,065
Total - Gross Unrealized Loss	2,905	3,065
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	2,907	0
12 months or more - Fair Value	217,331	227,891
Total - Fair Value	220,238	227,891
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	10	0
12 months or more - Gross Unrealized Loss	27,876	25,775
Total - Gross Unrealized Loss	27,886	25,775
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	0
12 months or more - Fair Value	53,341	78,052
Total - Fair Value	53,341	78,052
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	0
12 months or more - Gross Unrealized Loss	1,737	2,098
Total - Gross Unrealized Loss	1,737	2,098
Small Business Administration-Guaranteed Participation Securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	0
12 months or more - Fair Value	16,260	17,186
Total - Fair Value	16,260	17,186
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	0
12 months or more - Gross Unrealized Loss	1,724	1,554
Total - Gross Unrealized Loss	1,724	1,554
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	0
12 months or more - Fair Value	637	631
Total - Fair Value	637	631
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	0
12 months or more - Gross Unrealized Loss	13	18
Total - Gross Unrealized Loss	$ 13	$ 18

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0
Proceeds from calls/paydowns	8,841	14,659
Proceeds from maturities	35,000	0
Gross realized gains	0	0
Gross realized losses	$ 0	$ 0

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 6,206	$ 6,458
Gross Unrecognized Gains	49	74
Gross Unrecognized Losses	147	136
Fair Value	6,108	6,396
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	6,206	6,458
Gross Unrecognized Gains	49	74
Gross Unrecognized Losses	147	136
Fair Value	$ 6,108	$ 6,396

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized Cost [Abstract]
Amortized Cost	$ 6,206	$ 6,458
Fair Value [Abstract]
Fair Value	6,108	6,396
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	6,206
Amortized Cost	6,206	6,458
Fair Value [Abstract]
Securities, fair value	6,108
Fair Value	$ 6,108	$ 6,396

Investment Securities, Held-t_3

Investment Securities, Held-to-maturity Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	$ 136		$ 283
More than 12 months - Fair value	2,523		2,703
Fair Value	2,659		2,986
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	3		3
More than 12 months - Gross Unrecognized Loss	144		133
Gross Unrecognized Losses	147		136
Sales and transfers of held to maturity securities	0	$ 0
Held-to-maturity, allowance for credit loss	0	0
Held to maturity securities on non-accrual status	0	$ 0
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	136		283
More than 12 months - Fair value	2,523		2,703
Fair Value	2,659		2,986
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	3		3
More than 12 months - Gross Unrecognized Loss	144		133
Gross Unrecognized Losses	$ 147		$ 136

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans by Loan Class (Details) - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Loans and Leases Receivable [Abstract]
Total loans, net		$ 5,005,506	$ 5,002,879
Less: Allowance for credit losses		49,220	48,578	$ 46,685	$ 46,032
Net loans		4,956,286	4,954,301
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	3,251,530	3,259,038
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,753,976	1,743,841
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		25,800	29,100
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		7,600	8,000
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		18,200	21,100
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		279,092	273,515
Less: Allowance for credit losses		2,742	2,735	2,708	2,596
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		254,915	252,255
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	214,158	212,754
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		40,757	39,501
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		24,177	21,260
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	23,536	20,863
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		641	397
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		556	620
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		4,710,248	4,712,478
Less: Allowance for credit losses		46,295	45,625	43,766	43,271
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		4,296,551	4,307,105
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	2,744,294	2,756,914
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,552,257	1,550,191
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		57,818	57,958
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, net	[1]	44,207	44,152
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		13,611	13,806
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		355,879	347,415
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, net	[1]	213,754	212,298
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		142,125	135,117
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		16,166	16,886
Less: Allowance for credit losses		183	218	$ 211	$ 165
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	11,581	12,057
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		$ 4,585	$ 4,829
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _4

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 48,578	$ 46,032	$ 46,032
Loans charged off [Abstract]
Total loan charge offs		161	48
Recoveries of loans previously charged off [Abstract]
Total recoveries		203	101
Net loans (recoveries) charged off		(42)	(53)
Provision for credit losses		600	600
Balance at end of period		49,220	46,685	48,578
Provision (benefit) for credit losses		600	300
Credit losses on unfunded commitments		0	300
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	161	17
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	203	76
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	31
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	25
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		2,735	2,596	2,596
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Net loans (recoveries) charged off		0	0
Provision for credit losses		7	112
Balance at end of period		2,742	2,708	2,735
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	0	0
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		45,625	43,271	43,271
Loans charged off [Abstract]
Total loan charge offs		117	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		195	78
Net loans (recoveries) charged off		(78)	(78)
Provision for credit losses		592	417
Balance at end of period		46,295	43,766	45,625
Real Estate Mortgage - 1 to 4 Family [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	117	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	195	53
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	25
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		218	165	165
Loans charged off [Abstract]
Total loan charge offs		44	48	176
Recoveries of loans previously charged off [Abstract]
Total recoveries		8	23
Net loans (recoveries) charged off		36	25
Provision for credit losses		1	71
Balance at end of period		183	211	$ 218
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	44	17
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	8	23
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	31
Recoveries of loans previously charged off [Abstract]
Total recoveries		$ 0	$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _5

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 48,578	$ 46,032
(Credit) provision for credit losses	0	300
Balance at end of period	49,220	46,685
Unfunded Loan Commitment [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	1,662
Balance at beginning of period		2,912
(Credit) provision for credit losses	0	(300)
Balance at end of period	$ 1,662	$ 2,612

Loan Portfolio and Allowance _6

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2023
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	$ 5,005,506		$ 5,002,879
Current-period Gross writeoffs	161	$ 48
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	279,092		273,515
Current-period Gross writeoffs	0	0
Commercial [Member] | Commercial Real Estate [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	10,568		61,148
2022/2021	57,315		82,339
2021/2020	80,857		23,940
2020/2019	23,628		16,695
2019/2018	16,243		19,835
Prior	60,944		42,634
Revolving Loans Amortized Cost Basis	5,360		5,664
Revolving Loan Converted to Term	0		0
Total loans	254,915		252,255
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] | Commercial Real Estate [Member] | Pass [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	10,568		61,148
2022/2021	57,315		82,339
2021/2020	80,610		23,940
2020/2019	23,628		16,653
2019/2018	16,206		19,835
Prior	59,591		41,153
Revolving Loans Amortized Cost Basis	5,360		5,664
Revolving Loan Converted to Term	0		0
Total loans	253,278		250,732
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	247		0
2020/2019	0		42
2019/2018	37		0
Prior	537		225
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	821		267
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		0
2020/2019	0		0
2019/2018	0		0
Prior	816		1,256
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	816		1,256
Commercial [Member] | Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	1,542		7,873
2022/2021	9,170		2,164
2021/2020	2,079		2,261
2020/2019	1,988		1,386
2019/2018	1,329		321
Prior	3,132		2,739
Revolving Loans Amortized Cost Basis	4,937		4,516
Revolving Loan Converted to Term	0		0
Total loans	24,177		21,260
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	1,542		7,873
2022/2021	9,170		2,164
2021/2020	2,079		1,933
2020/2019	1,798		1,386
2019/2018	1,329		321
Prior	3,132		2,641
Revolving Loans Amortized Cost Basis	4,614		4,482
Revolving Loan Converted to Term	0		0
Total loans	23,664		20,800
Commercial [Member] | Other [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	0		0
Revolving Loans Amortized Cost Basis	38		34
Revolving Loan Converted to Term	0		0
Total loans	38		34
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0
2022/2021	0		0
2021/2020	0		328
2020/2019	0		0
2019/2018	0		0
Prior	0		98
Revolving Loans Amortized Cost Basis	285		0
Revolving Loan Converted to Term	0		0
Total loans	285		426
Commercial [Member] | Other [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0
2022/2021	0
2021/2020	0
2020/2019	190
2019/2018	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loan Converted to Term	0
Total loans	190
Real Estate Mortgage - 1 to 4 Family [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	4,710,248		4,712,478
Current-period Gross writeoffs	117	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	49,915		418,955
2022/2021	420,137		566,827
2021/2020	560,918		878,398
2020/2019	866,168		733,080
2019/2018	721,495		343,678
Prior	1,677,918		1,366,167
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	4,296,551		4,307,105
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		27
Prior	18		336
Revolving Loans Amortized Cost Basis Writeoffs	0		0
Revolving Loan Converted to Term Writeoffs	0		0
Current-period Gross writeoffs	18		363
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	49,915		418,891
2022/2021	420,073		566,617
2021/2020	560,709		878,015
2020/2019	865,629		732,851
2019/2018	721,417		342,559
Prior	1,664,927		1,354,867
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	4,282,670		4,293,800
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		64
2022/2021	64		210
2021/2020	209		383
2020/2019	539		229
2019/2018	78		1,119
Prior	12,991		11,300
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	13,881		13,305
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	1,417		9,660
2022/2021	9,565		5,963
2021/2020	5,884		7,770
2020/2019	7,601		5,668
2019/2018	5,512		6,542
Prior	27,839		22,355
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	57,818		57,958
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	1,417		9,660
2022/2021	9,565		5,963
2021/2020	5,884		7,770
2020/2019	7,601		5,668
2019/2018	5,512		6,542
Prior	27,515		22,076
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	57,494		57,679
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		0
Prior	324		279
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	324		279
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	812		355
2022/2021	1,348		641
2021/2020	712		256
2020/2019	543		131
2019/2018	225		10
Prior	18,490		18,777
Revolving Loans Amortized Cost Basis	333,749		327,245
Revolving Loan Converted to Term	0		0
Total loans	355,879		347,415
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
2019/2018	0		0
Prior	99		8
Revolving Loans Amortized Cost Basis Writeoffs	0		0
Revolving Loan Converted to Term Writeoffs	0		0
Current-period Gross writeoffs	99		8
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	812		355
2022/2021	1,348		641
2021/2020	712		248
2020/2019	543		75
2019/2018	169		10
Prior	15,686		15,964
Revolving Loans Amortized Cost Basis	333,534		327,059
Revolving Loan Converted to Term	0		0
Total loans	352,804		344,352
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		0
2021/2020	0		8
2020/2019	0		56
2019/2018	56		0
Prior	2,804		2,813
Revolving Loans Amortized Cost Basis	215		186
Revolving Loan Converted to Term	0		0
Total loans	3,075		3,063
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	984		8,473
2022/2021	7,823		4,641
2021/2020	4,194		1,535
2020/2019	1,309		360
2019/2018	289		261
Prior	610		608
Revolving Loans Amortized Cost Basis	957		1,008
Revolving Loan Converted to Term	0		0
Total loans	16,166		16,886
2023/2022	0		16
2022/2021	18		67
2021/2020	19		50
2020/2019	0		1
2019/2018	0		21
Prior	7		21
Revolving Loans Amortized Cost Basis Writeoffs	0		0
Revolving Loan Converted to Term Writeoffs	0		0
Current-period Gross writeoffs	44	$ 48	176
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	984		8,473
2022/2021	7,823		4,592
2021/2020	4,148		1,484
2020/2019	1,273		360
2019/2018	289		198
Prior	544		605
Revolving Loans Amortized Cost Basis	956		1,008
Revolving Loan Converted to Term	0		0
Total loans	16,017		16,720
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2023/2022	0		0
2022/2021	0		49
2021/2020	46		51
2020/2019	36		0
2019/2018	0		63
Prior	66		3
Revolving Loans Amortized Cost Basis	1		0
Revolving Loan Converted to Term	0		0
Total loans	$ 149		$ 166

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024	Dec. 31, 2023
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 5,005,506	$ 5,002,879
Number of days past due		90 days
Loans that are 90 days past due and still accruing interest		$ 0	0
Period of delinquency after which a loan is placed in nonaccrual status		180 days
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	$ 3,251,530	3,259,038
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,753,976	1,743,841
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		19,183	17,865
Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	15,074	14,355
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,109	3,510
30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		6,129	6,510
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]	5,021	4,947
30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,108	1,563
60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		3,059	1,212
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]	1,808	1,128
60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,251	84
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		9,995	10,143
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]	8,245	8,280
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,750	1,863
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,986,323	4,985,014
Current [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	3,236,456	3,244,683
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,749,867	1,740,331
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		279,092	273,515
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		254,915	252,255
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]	214,158	212,754
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		40,757	39,501
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		520	521
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]	520	521
Commercial [Member] | Commercial Real Estate [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	0	0
Commercial [Member] | Commercial Real Estate [Member] | 30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	0	0
Commercial [Member] | Commercial Real Estate [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		520	521
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]	520	521
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		254,395	251,734
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]	213,638	212,233
Commercial [Member] | Commercial Real Estate [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		40,757	39,501
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		24,177	21,260
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]	23,536	20,863
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		641	397
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		325	340
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]	11	26
Commercial [Member] | Other [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		314	314
Commercial [Member] | Other [Member] | 30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		11	0
Commercial [Member] | Other [Member] | 30 - 59 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	11	0
Commercial [Member] | Other [Member] | 30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Other [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	26
Commercial [Member] | Other [Member] | 60 - 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	0	26
Commercial [Member] | Other [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		314	314
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	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		314	314
Commercial [Member] | Other [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		23,852	20,920
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]	23,525	20,837
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		327	83
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,710,248	4,712,478
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		4,296,551	4,307,105
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]	2,744,294	2,756,914
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		1,552,257	1,550,191
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		15,123	13,950
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]	11,728	11,149
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		3,395	2,801
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		5,532	5,620
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]	4,576	4,330
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		956	1,290
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		2,431	889
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 - 89 Days Past Due [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	1,279	811
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		1,152	78
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		7,160	7,441
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]	5,873	6,008
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		1,287	1,433
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		4,281,428	4,293,155
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]	2,732,566	2,745,765
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		1,548,862	1,547,390
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		57,818	57,958
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]	44,207	44,152
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		13,611	13,806
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		374	394
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]	277	315
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		97	79
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		13	93
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]	13	20
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	73
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		180	144
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]	89	138
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		91	6
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		181	157
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]	175	157
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		6	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		57,444	57,564
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]	43,930	43,837
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		13,514	13,727
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		355,879	347,415
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]	213,754	212,298
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		142,125	135,117
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		2,686	2,465
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]	2,397	2,225
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		289	240
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		529	775
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]	383	591
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		146	184
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		436	135
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]	436	135
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,721	1,555
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]	1,578	1,499
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		143	56
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		353,193	344,950
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]	211,357	210,073
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		141,836	134,877
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		16,166	16,886
Loans that are 90 days past due and still accruing interest		0	0
Installment [Member] | New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	11,581	12,057
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,585	4,829
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		155	195
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]	141	119
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		14	76
Installment [Member] | 30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		44	22
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]	38	6
Installment [Member] | 30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		6	16
Installment [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		12	18
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]	4	18
Installment [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		8	0
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		99	155
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]	99	95
Installment [Member] | 90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		0	60
Installment [Member] | Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		16,011	16,691
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]	11,440	11,938
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 4,571	$ 4,753
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Non-accrual Loans, By Loan Class (Details) - USD ($) $ in Thousands		Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 18,275	$ 17,663
Restructured real estate mortgages - 1 to 4 family		0	3
Total nonperforming loans		18,275	17,666
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	15,039	15,062
Restructured real estate mortgages - 1 to 4 family	[1]	0	3
Total nonperforming loans	[1]	15,039	15,065
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		3,236	2,601
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		3,236	2,601
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Other estate owned		126		$ 1,900
Non accrual residential mortgage loans in process of foreclosure		6,700		8,700
Commercial [Member]
Non accrual loans by loan class [Abstract]
Other estate owned		2,200		$ 0
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		532	536
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	532	536
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	314
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	0	0
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		13,881	13,305
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]	11,274	11,324
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		2,607	1,981
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		324	279
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]	281	235
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		43	44
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		3,075	3,063
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]	2,803	2,816
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		272	247
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		149	166
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	149	151
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 0	$ 15
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _9

Loan Portfolio and Allowance for Credit Losses, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due [Abstract]
Non-accrual With No Allowance for Credit Loss	$ 16,791	$ 16,244
Non-accrual	1,480	1,419
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	532	536
Non-accrual	0	0
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	314
Non-accrual	0	0
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	12,785	12,584
Non-accrual	1,096	721
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	275	271
Non-accrual	49	8
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	2,759	2,395
Non-accrual	316	668
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	126	144
Non-accrual	19	22
Loans Past Due Over 89 Days Still Accruing	$ 0	$ 0

Loan Portfolio and Allowance_10

Loan Portfolio and Allowance for Credit Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0	$ 0	$ 0
Collectively evaluated for impairment	49,220	48,578
Total ending allowance balance	49,220	48,578	46,685	$ 46,032
Loans [Abstract]
Individually evaluated for impairment	24,847	24,729
Collectively evaluated for impairment	4,980,659	4,978,150
Total loans	5,005,506	5,002,879
Commercial Loans [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	2,742	2,735
Total ending allowance balance	2,742	2,735	2,708	2,596
Loans [Abstract]
Individually evaluated for impairment	952	957
Collectively evaluated for impairment	278,140	272,558
Total loans	279,092	273,515
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	46,295	45,625
Total ending allowance balance	46,295	45,625	43,766	43,271
Loans [Abstract]
Individually evaluated for impairment	23,769	23,628
Collectively evaluated for impairment	4,686,479	4,688,850
Total loans	4,710,248	4,712,478
Installment Loans [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	183	218
Total ending allowance balance	183	218	$ 211	$ 165
Loans [Abstract]
Individually evaluated for impairment	126	144
Collectively evaluated for impairment	16,040	16,742
Total loans	$ 16,166	$ 16,886

Loan Portfolio and Allowance_11

Loan Portfolio and Allowance for Credit Losses, Type of Collateral Dependent Loans by Portfolio Segment (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Loans and Leases Receivable [Abstract]
Total loans, net	$ 5,005,506	$ 5,002,879
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	24,847	24,729
Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	279,092	273,515
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	254,915	252,255
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	638	643
Commercial [Member] | Commercial Real Estate [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Commercial [Member] | Commercial Real Estate [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	24,177	21,260
Commercial [Member] | Other [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	314	314
Commercial [Member] | Other [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Commercial [Member] | Other [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	4,710,248	4,712,478
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	4,296,551	4,307,105
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	19,774	20,018
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	57,818	57,958
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	373	371
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	355,879	347,415
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	3,622	3,239
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, net	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, net	0	0
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	16,166	16,886
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	126	144
Installment [Member] | Investment Securities/Cash [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	0	0
Installment [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	$ 0	$ 0

Loan Portfolio and Allowance_12

Loan Portfolio and Allowance for Credit Losses, Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024	Mar. 31, 2023
Financing Receivable Modifications Information [Abstract]
Loan modifications classifications from previously performing loans		$ 8,100	$ 8,800
Loan modifications		$ 85	$ 0
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0%
New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	$ 0
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0%
Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		$ 85
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0%
Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		$ 0
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	0
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Commercial [Member] | Other [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Commercial [Member] | Other [Member] | New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	0
Commercial [Member] | Other [Member] | Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		$ 85
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		$ 85
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.01%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		$ 0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	0
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Installment [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Installment [Member] | New York and Other States [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications	[1]	0
Installment [Member] | Florida [Member]
Financing Receivable Modifications Information [Abstract]
Loan modifications		0
Payment Delay [Member]
Financing Receivable Modifications [Abstract]
Loans modified		85
Payment Delay [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0
Payment Delay [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		85
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		85
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]	0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		85
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		0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0
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) - USD ($) $ in Thousands		Mar. 31, 2024	Mar. 31, 2023
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		$ 85	$ 0
New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	0
Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		85
30 - 59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0
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	[1]	0
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	[1]	0
60 - 89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0
90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0
90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	0
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		85
Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	0
Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		85
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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		85
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	[1]	0
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		85
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		0
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	[1]	0
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	[1]	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 - 89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	0
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		85
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	[1]	0
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		85
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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		0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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		0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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	[1]	0
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) - Payment Delay [Member]	3 Months Ended
	Mar. 31, 2024
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	12 months
Florida [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	12 months	[1]
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	12 months
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	12 months	[1]
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_15

Loan Portfolio and Allowance for Credit Losses, Loan Modifications (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Financing Receivable Modifications Information [Abstract]
Number of loans defaulted from loan modifications within last 12 months	$ 0	$ 0
Deferral period of past due loans	60 months
Number of days past due, when loans considered in payment default under modified terms	90 days
Contractual past due period for loans to be in payment default	30 days

Fair Value of Financial Instr_3

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Securities available for sale [Abstract]
Fair Value	$ 426,241	$ 452,289
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Fair Value	0	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Fair Value	426,241	452,289
Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
Fair Value	0	0
Carrying Value [Member]
Securities available for sale [Abstract]
Fair Value	426,241	452,289
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other securities	0	0
Fair Value	0	0
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	128,854	118,668
State and political subdivisions	26	26
Mortgage backed securities and collateralized mortgage obligations - residential	227,078	237,677
Corporate bonds	53,341	78,052
Small Business Administration - guaranteed participation securities	16,260	17,186
Other securities	682	680
Fair Value	426,241	452,289
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds	0	0
Small Business Administration - guaranteed participation securities	0	0
Other securities	0	0
Fair Value	0	0
Recurring [Member] | Carrying Value [Member]
Securities available for sale [Abstract]
U.S. government sponsored enterprises	128,854	118,668
State and political subdivisions	26	26
Mortgage backed securities and collateralized mortgage obligations - residential	227,078	237,677
Corporate bonds	53,341	78,052
Small Business Administration - guaranteed participation securities	16,260	17,186
Other securities	682	680
Fair Value	$ 426,241	$ 452,289

Fair Value of Financial Instr_4

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Non-recurring Basis (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2024 USD ($)	Dec. 31, 2023 USD ($)
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, Valuation Technique [Extensible List]	us-gaap:MarketApproachValuationTechniqueMember	us-gaap:MarketApproachValuationTechniqueMember
Other real estate owned, Measurement Input [Extensible List]	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Impaired loans	$ 24,800	$ 24,700
Valuation charge on other real estate owned	0	143
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	$ 2,334	$ 194
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0.39
Nonrecurring [Member] | Weighted Average [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0.20
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 2,334	$ 194

Fair Value of Financial Instr_5

Fair Value of Financial Instruments, Carrying Amounts and Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Financial assets [Abstract]
Cash and cash equivalents	$ 609,683	$ 578,004
Securities available for sale	426,241	452,289
Held to maturity securities	6,108	6,396
Net loans	4,432,000	4,422,027
Accrued interest receivable	14,460	13,683
Financial liabilities [Abstract]
Demand deposits	742,997	754,532
Interest bearing deposits	4,594,960	4,580,010
Short-term borrowings	94,374	88,990
Accrued interest payable	3,900	3,612
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	609,683	578,004
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	799	234
Financial liabilities [Abstract]
Demand deposits	742,997	754,532
Interest bearing deposits	2,708,264	2,760,221
Short-term borrowings	0	0
Accrued interest payable	248	256
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	426,241	452,289
Held to maturity securities	6,108	6,396
Net loans	0	0
Accrued interest receivable	2,073	1,920
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,886,696	1,819,789
Short-term borrowings	94,374	88,990
Accrued interest payable	3,652	3,356
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	4,432,000	4,422,027
Accrued interest receivable	11,588	11,529
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	609,683	578,004
Securities available for sale	426,241	452,289
Held to maturity securities	6,206	6,458
Federal Reserve Bank and Federal Home Loan Bank stock	6,203	6,203
Net loans	4,956,286	4,954,301
Accrued interest receivable	14,460	13,683
Financial liabilities [Abstract]
Demand deposits	742,997	754,532
Interest bearing deposits	4,612,172	4,596,245
Short-term borrowings	94,374	88,990
Accrued interest payable	$ 3,900	$ 3,612

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss, Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	$ 645,285	$ 599,987
Other comprehensive loss - before reclassifications	(1,378)	3,901
Amount reclassified from accumulated other comprehensive income	(148)	(82)
Other comprehensive (loss) income, net of tax	(1,526)	3,819
Balance	649,190	614,703
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(13,237)	(27,194)
Other comprehensive (loss) income, net of tax	(1,526)	3,819
Balance	(14,763)	(23,375)
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	(23,899)	(32,271)
Other comprehensive loss - before reclassifications	(1,378)	3,901
Amount reclassified from accumulated other comprehensive income	0	0
Other comprehensive (loss) income, net of tax	(1,378)	3,901
Balance	(25,277)	(28,370)
Net Change in Overfunded Position in Pension and Postretirement Plans Arising During the Year, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	13,476	7,588
Other comprehensive loss - before reclassifications	0	0
Amount reclassified from accumulated other comprehensive income	0	0
Other comprehensive (loss) income, net of tax	0	0
Balance	13,476	7,588
Net Change in Net Actuarial Gain and Prior Service Cost on Pension and Postretirement Benefit Plans, Net of Tax [Member]
Accumulated Other Comprehensive Income (Loss), Net of Tax [Roll Forward]
Balance	(2,814)	(2,511)
Other comprehensive loss - before reclassifications	0	0
Amount reclassified from accumulated other comprehensive income	(148)	(82)
Other comprehensive (loss) income, net of tax	(148)	(82)
Balance	$ (2,962)	$ (2,593)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss, Reclassifications out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ 11,427	$ 13,283
Income tax benefit	3,792	5,909
Net of tax	12,126	17,746
Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Net of tax	148	82
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Income tax benefit	(52)	(29)
Net of tax	148	82
Amortization of Net Actuarial Gain [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	203	114
Amortization of Prior Service Cost [Member] | Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ (3)	$ (3)

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2024	Mar. 31, 2023
Sources of non-interest income [Abstract]
Other	[1]	$ 256	$ 204
Total non-interest income		4,843	4,669
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		663	680
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		511	532
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		1,597	1,479
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 1,816	$ 1,774
[1]Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2024 USD ($) Property Lease	Mar. 31, 2023 USD ($)	Dec. 31, 2023 USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease		0
Other information related to leases [Abstract]
Operating lease cost		$ 2,097	$ 2,050
Variable lease cost		606	585
Total Lease costs		2,703	2,635
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases		2,124	2,072
Right-of-use assets obtained in exchange for lease obligations:		$ 759	$ 385
Weighted average remaining lease term		8 years 4 months 24 days	8 years 8 months 12 days
Weighted average discount rate		3.12%	3%
Future minimum lease payments under non-cancellable leases [Abstract]
2024	[1]	$ 6,362
2025		8,156
2026		7,183
2027		5,974
2028		4,786
Thereafter		17,085
Total lease payments		49,546
Less: Interest		6,108
Present value of lease liabilities		43,438		$ 44,471
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments		2,600
Less: Interest		$ 292
Number of properties under lease owned by related party | Property		5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term		2 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term		20 years 6 months
[1]Excluding the three months ended March 31, 2024.

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Mar. 31, 2024 USD ($) Classification	Dec. 31, 2023 USD ($)
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		$ 640,288	$ 636,327
Common equity Tier 1 capital		640,288	636,327
Tier 1 risk-based capital		640,288	636,327
Total risk-based capital		$ 683,633	$ 679,924
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10427	0.10428
Common equity Tier 1 capital, ratio		0.18505	0.1828
Tier 1 risk-based capital, ratio		0.18505	0.1828
Total risk-based capital, ratio		0.19758	0.19532
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		$ 663,400	$ 657,968
Common equity Tier 1 capital		663,400	657,968
Tier 1 risk-based capital		663,400	657,968
Total risk-based capital		$ 706,757	$ 701,577
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10798	0.1078
Common equity Tier 1 capital, ratio		0.19168	0.18896
Tier 1 risk-based capital, ratio		0.19168	0.18896
Total risk-based capital, ratio		0.20421	0.20149
Leverage Ratios [Abstract]
Tier 1 leverage ratio, minimum for capital adequacy plus capital conservation	[1],[2]	0.04	0.04
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07	0.07
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.085	0.085
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.105	0.105
Common equity Tier 1 capital conservation buffer		0.025	0.025
Tier 1 risk based capital ratio, capital conservation buffer		0.025	0.025
Total risk based capital ratio, capital conservation buffer		0.025	0.025
[1]Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized[2]The March 31, 2024 and December 31, 2023 common equity tier 1, tier 1 risk-based, and total risk-based capital ratios include a capital conservation buffer of 2.50 percent