TrustCo Bank Corp NY (TRST) 10-Q 8 Nov 24 2024 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2024	Oct. 31, 2024
Cover [Abstract]
Document Type	10-Q
Amendment Flag	false
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2024
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	Q3
Document Transition Report	false
Entity File Number	000-10592
Entity Registrant Name	TRUSTCO BANK CORP NY
Entity Central Index Key	0000357301
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	14-1630287
Entity Address, Address Line One	5 SARNOWSKI DRIVE
Entity Address, City or Town	GLENVILLE
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	12302
City Area Code	518
Local Phone Number	377-3311
Title of 12(b) Security	Common Stock, $1.00 par value
Trading Symbol	TRST
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		19,010,433

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Interest and dividend income:
Interest and fees on loans		$ 52,112	$ 47,921	$ 152,576	$ 138,255
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises		718	672	2,533	2,055
State and political subdivisions		0	0	1	1
Mortgage-backed securities and collateralized mortgage obligations - residential		1,397	1,485	4,342	4,613
Corporate bonds		361	473	1,199	1,510
Small Business Administration-guaranteed participation securities		90	107	284	335
Other securities		2	2	7	7
Total interest and dividends on securities available for sale		2,568	2,739	8,366	8,521
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential		62	73	195	226
Total interest on held to maturity securities		62	73	195	226
Federal Home Loan Bank stock		153	131	452	351
Interest on federal funds sold and other short-term investments		6,174	6,688	19,818	20,213
Total interest income		61,069	57,552	181,407	167,566
Interest on deposits:
Interest-bearing checking		311	102	839	217
Savings accounts		770	639	2,157	1,824
Money market deposit accounts		2,154	2,384	6,724	4,954
Time deposits		18,969	11,962	58,046	26,525
Interest on short-term borrowings		194	244	604	808
Total interest expense		22,398	15,331	68,370	34,328
Net interest income		38,671	42,221	113,037	133,238
Provision (Credit) for credit losses		500	100	1,600	(100)
Net interest income after provision (credit) for credit losses		38,171	42,121	111,437	133,338
Noninterest income:
Trustco financial services income		2,044	1,627	5,469	4,813
Fees for services to customers		2,482	2,590	7,626	8,085
Net gains on equity securities	[1]	23	0	1,383	0
Other		382	357	947	943
Total noninterest income		4,931	4,574	15,425	13,841
Noninterest expenses:
Salaries and employee benefits		12,134	12,393	36,081	38,798
Net occupancy expense		4,271	4,358	13,257	13,218
Equipment expense		1,757	1,923	5,485	5,758
Professional services		1,863	1,717	4,893	4,684
Outsourced services		2,551	2,720	7,807	7,507
Advertising expense		339	586	1,213	1,494
FDIC and other insurance		1,112	1,078	3,003	3,215
Other real estate expense, net		204	163	294	536
Other		1,969	2,522	5,529	7,256
Total noninterest expenses		26,200	27,460	77,562	82,466
Income before taxes		16,902	19,235	49,300	64,713
Income taxes		4,027	4,555	11,748	15,915
Net income		$ 12,875	$ 14,680	$ 37,552	$ 48,798
Net income per share:
Basic (in dollars per share)		$ 0.68	$ 0.77	$ 1.97	$ 2.57
Diluted (in dollars per share)		$ 0.68	$ 0.77	$ 1.97	$ 2.57
[1]Not within the scope of ASC 606.

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 12,875	$ 14,680	$ 37,552	$ 48,798
Net unrealized holding gain (loss) on securities available for sale	10,558	(7,063)	9,546	(5,530)
Tax effect	(2,742)	1,851	(2,466)	1,464
Net unrealized gain (loss) on securities available for sale, net of tax	7,816	(5,212)	7,080	(4,066)
Amortization of net actuarial gain	(203)	(115)	(608)	(343)
Amortization of prior service cost	4	4	10	10
Tax effect	51	29	155	87
Amortization of net actuarial gain and prior service cost on pension and postretirement plans, net of tax	(148)	(82)	(443)	(246)
Other comprehensive income (loss), net of tax	7,668	(5,294)	6,637	(4,312)
Comprehensive income	$ 20,543	$ 9,386	$ 44,189	$ 44,486

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS:
Cash and due from banks	$ 49,659	$ 49,274
Federal funds sold and other short term investments	473,306	528,730
Total cash and cash equivalents	522,965	578,004
Securities available for sale	383,654	452,289
Held to maturity securities ($5,645 and $6,396 fair value at September 30, 2024 and December 31, 2023, respectively)	5,636	6,458
Federal Home Loan Bank stock	6,507	6,203
Loans, net of deferred costs	5,070,856	5,002,879
Less: Allowance for credit losses on loans	49,950	48,578
Net loans	5,020,906	4,954,301
Bank premises and equipment, net	33,324	34,007
Operating lease right-of-use assets	37,958	40,542
Other assets	98,730	96,387
Total assets	6,109,680	6,168,191
Deposits:
Demand	753,878	754,532
Interest-bearing checking	988,527	1,015,213
Savings accounts	1,092,038	1,179,241
Money market deposit accounts	477,113	565,767
Time deposits	1,952,635	1,836,024
Total deposits	5,264,191	5,350,777
Short-term borrowings	91,450	88,990
Operating lease liabilities	41,469	44,471
Accrued expenses and other liabilities	43,549	38,668
Total liabilities	5,440,659	5,522,906
SHAREHOLDERS' EQUITY:
Capital stock par value $1.00; 30,000,000 shares authorized; 20,058,142 shares issued at September 30, 2024 and December 31, 2023, and 19,010,433 and 19,024,433 shares outstanding at September 30, 2024 and December 31, 2023, respectively	20,058	20,058
Surplus	257,644	257,181
Undivided profits	442,079	425,069
Accumulated other comprehensive loss, net of tax	(6,600)	(13,237)
Treasury stock at cost - 1,047,709 and 1,033,709 shares at September 30, 2024 and December 31, 2023, respectively	(44,160)	(43,786)
Total shareholders' equity	669,021	645,285
Total liabilities and shareholders' equity	$ 6,109,680	$ 6,168,191

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
ASSETS:
Held to maturity securities, fair value	$ 5,645	$ 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)	19,010,433	19,024,433
Treasury stock, at cost (in shares)	1,047,709	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 income (loss), net of tax	0	0	0	3,819	0	3,819
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Mar. 31, 2023	20,058	257,078	404,728	(23,375)	(43,786)	614,703
Balance at Dec. 31, 2022	20,058	257,078	393,831	(27,194)	(43,786)	599,987
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income						48,798
Other comprehensive income (loss), net of tax						(4,312)
Balance at Sep. 30, 2023	20,058	257,078	422,082	(31,506)	(43,786)	623,926
Balance at Mar. 31, 2023	20,058	257,078	404,728	(23,375)	(43,786)	614,703
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	16,372	0	0	16,372
Other comprehensive income (loss), net of tax	0	0	0	(2,837)	0	(2,837)
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Jun. 30, 2023	20,058	257,078	414,251	(26,212)	(43,786)	621,389
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	14,680	0	0	14,680
Other comprehensive income (loss), net of tax	0	0	0	(5,294)	0	(5,294)
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Balance at Sep. 30, 2023	20,058	257,078	422,082	(31,506)	(43,786)	623,926
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 income (loss), net of tax	0	0	0	(1,526)	0	(1,526)
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Stock Based Compensation Expense	0	154	0	0	0	154
Balance at Mar. 31, 2024	20,058	257,335	430,346	(14,763)	(43,786)	649,190
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						37,552
Other comprehensive income (loss), net of tax						6,637
Balance at Sep. 30, 2024	20,058	257,644	442,079	(6,600)	(44,160)	669,021
Balance at Mar. 31, 2024	20,058	257,335	430,346	(14,763)	(43,786)	649,190
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	12,551	0	0	12,551
Other comprehensive income (loss), net of tax	0	0	0	495	0	495
Cash dividend declared	0	0	(6,849)	0	0	(6,849)
Purchase of treasury stock	0	0	0	0	(374)	(374)
Stock Based Compensation Expense	0	155	0	0	0	155
Balance at Jun. 30, 2024	20,058	257,490	436,048	(14,268)	(44,160)	655,168
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	0	0	12,875	0	0	12,875
Other comprehensive income (loss), net of tax	0	0	0	7,668	0	7,668
Cash dividend declared	0	0	(6,844)	0	0	(6,844)
Stock Based Compensation Expense	0	154	0	0	0	154
Balance at Sep. 30, 2024	$ 20,058	$ 257,644	$ 442,079	$ (6,600)	$ (44,160)	$ 669,021

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	3 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Cash dividend declared (in dollars per share)	$ 0.36	$ 0.36	$ 0.36	$ 0.36	$ 0.36	$ 0.36
Purchase of treasury stock (in shares)		14,000

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Cash flows from operating activities:
Net income	$ 37,552	$ 48,798
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	3,182	3,052
Amortization of right-of-use asset	4,981	4,905
Net gain on sale of other real estate owned	0	(181)
Writedown of other real estate owned	0	143
Provision (credit) for credit losses	1,600	(100)
Deferred tax expense	1,004	2,112
Net amortization of securities	902	1,332
Stock based compensation expense	463	0
Net gain on sale of bank premises and equipment	(23)	0
Decrease in taxes receivable	2,897	1,341
Increase in interest receivable	(817)	(1,937)
(Decrease) Increase in interest payable	(86)	1,878
Increase in other assets	(3,149)	(7,196)
Decrease in operating lease liabilities	(5,399)	(5,215)
Increase (Decrease) in accrued expenses and other liabilities	1,996	(2,619)
Total adjustments	7,551	(2,485)
Net cash provided by operating activities	45,103	46,313
Cash flows from investing activities:
Proceeds from sales, paydowns and calls of securities available for sale	54,486	39,346
Proceeds from paydowns of held to maturity securities	791	944
Purchases of securities available for sale	(37,176)	(7,485)
Proceeds from maturities of securities available for sale	60,000	5,000
Purchases of Federal Home Loan Bank stock	(304)	(406)
Net increase in loans	(70,482)	(226,980)
Proceeds from dispositions of other real estate owned	68	1,108
Proceeds from dispositions of bank premises and equipment	64	0
Purchases of bank premises and equipment	(2,540)	(2,631)
Net cash provided by (used in) investing activities	4,907	(191,104)
Cash flows from financing activities:
Net (decrease) increase in deposits	(86,586)	41,555
Net change in short-term borrowings	2,460	(19,590)
Purchases of treasury stock	(374)	0
Dividends paid	(20,549)	(20,512)
Net cash (used in) provided by financing activities	(105,049)	1,453
Net decrease in cash and cash equivalents	(55,039)	(143,338)
Cash and cash equivalents at beginning of period	578,004	650,599
Cash and cash equivalents at end of period	522,965	507,261
Cash paid during the year for:
Interest paid	68,456	13,453
Income taxes paid	8,869	14,611
Other non cash items:
Transfer of loans to other real estate owned	2,377	194
Increase in dividends payable	(7)	35
Change in unrealized (loss) gain on securities available for sale-gross of deferred taxes	9,546	(5,530)
Change in deferred tax effect on unrealized loss (gain) on securities available for sale	(2,466)	1,464
Amortization of net actuarial gain and prior service cost on pension and postretirement plans	(598)	(333)
Change in deferred tax effect of amortization of net actuarial gain postretirement benefit plans	155	87
Securities purchased settled in subsequent period	$ 0	$ (12,306)

Financial Statement Presentatio

Financial Statement Presentation	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 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 condition as of September 30, 2024, the results of operations for the three and nine months ended September 30, 2024 and 2023, and the cash flows for the nine months ended September 30, 2024 and 2023. The accompanying unaudited Consolidated Interim Financial Statements should be read in conjunction with the Company’s year-end audited Consolidated Financial Statements, including notes thereto, which are included in the Company’s 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:

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2024 and 2023 is as follows: (in thousands, except per share data) For the three months ended For the nine months ended September 30 September 30 2024 2023 2024 2023 Net income $ 12,875 $ 14,680 $ 37,552 $ 48,798 Weighted average common shares 19,010 19,024 19,019 19,024 Effect of Dilutive Securities: Stock Options and Restricted Stock Units 26 - 15 - Weighted average common shares including potential dilutive shares 19,036 19,024 19,034 19,024 Basic EPS $ 0.68 $ 0.77 $ 1.97 $ 2.57 Diluted EPS $ 0.68 $ 0.77 $ 1.97 $ 2.57 For the three and nine months ended September 30, 2024, there were 22 thousand and 48 thousand, respectively, weighted average antidilutive stock options excluded from dilutive earnings. For both the three and nine months ended September 30, 2023, there were 77 thousand weighted average antidilutive stock options excluded from dilutive earnings.

Benefit Plans

Benefit Plans	9 Months Ended
	Sep. 30, 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 three and nine months ended September 30, 2024 and 2023 for its pension and other postretirement benefit plan s Three months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2024 2023 2024 2023 Service cost $ - $ - $ 5 $ 2 Interest cost 289 304 72 65 Expected return on plan assets (762 ) (672 ) (332 ) (288 ) Amortization of net actuarial gain (19 ) - (184 ) (115 ) Amortization of prior service cost - - 4 4 Net periodic benefit $ (492 ) $ (368 ) $ (435 ) $ (332 ) Nine months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2024 2023 2024 2023 Service cost $ - $ - $ 14 $ 7 Interest cost 867 910 216 197 Expected return on plan assets (2,286 ) (2,013 ) (995 ) (867 ) Amortization of net actuarial (57 ) - (551 ) (343 ) Amortization of prior service cost - - 10 10 Net periodic benefit $ (1,476 ) $ (1,103 ) $ (1,306 ) $ (996 ) The Company does not expect to contribute to its pension and postretirement benefit plans in 2024. As of September Since 2003, the Company has not subsidized retiree medical insurance premiums. However, it continues to provide medical benefits and postretirement medical benefits to a limited number of current and retired executives in accordance with the terms of their employment contracts.

Investment Securities

Investment Securities	9 Months Ended
	Sep. 30, 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: September 30 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 91,807 $ 16 $ 1,235 $ 90,588 State and political subdivisions 26 - - 26 Mortgage backed securities and collateralized mortgage obligations - residential 242,429 327 19,915 222,841 Corporate bonds 55,030 - 703 54,327 Small Business Administration - guaranteed participation securities 16,352 - 1,181 15,171 Other 688 15 2 701 Total Securities Available for Sale $ 406,332 $ 358 $ 23,036 $ 383,654 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 the debt securities included in the available for sale portfolio as of September 30, 2024 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 $ 80,758 $ 79,853 Due after one year through five years 54,793 53,810 Due after five years through ten years 12,000 11,979 Due after ten years - - Mortgage backed securities and collateralized mortgage obligations - residential 242,429 222,841 Small Business Administration - guaranteed participation securities 16,352 15,171 $ 406,332 $ 383,654 Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: September 30 2024 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) Value Loss Value Loss Value Loss U.S. government sponsored enterprises $ 11,979 $ 21 $ 68,593 $ 1,214 $ 80,572 $ 1,235 Mortgage backed securities and collateralized mortgage obligations - residential 5,092 83 208,526 19,832 213,618 19,915 Corporate bonds - - 54,327 703 54,327 703 Small Business Administration - guaranteed participation securities - - 15,171 1,181 15,171 1,181 Other - - 648 2 648 2 Total $ 17,071 $ 104 $ 347,265 $ 22,932 $ 364,336 $ 23,036 December 31, 2023 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (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 as of September 30, 2024 and December 31, 2023. During the three and nine months ended September 30, 2024 and 2023 there were no available for sale securities charged off . The proceeds from sales and calls and maturities of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three and nine months ended September 30, 2024 and 2023 are as follows: Three months ended September 30, (dollars in thousands) 2024 2023 Proceeds from sales $ - $ - Proceeds from calls/paydowns 33,992 9,877 Proceeds from maturities 5,000 - Gross realized gains - - Gross realized losses - - Nine months ended September 30, (dollars in thousands) 2024 2023 Proceeds from sales $ - $ - Proceeds from calls/paydowns 54,486 39,346 Proceeds from maturities 60,000 5,000 Gross realized gains - - Gross realized losses - - There were no transfers of securities available for sale during the three and nine months ended September 30, 2024 and 2023. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: September 30 2024 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 5,636 $ 80 $ 71 $ 5,645 Total held to maturity $ 5,636 $ 80 $ 71 $ 5,645 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 the debt securities included in the (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 5,636 $ 5,645 $ 5,636 $ 5,645 Gross unrecognized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: September 30, 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 $ - $ - $ 2,240 $ 71 $ 2,240 $ 71 Total $ - $ - $ 2,240 $ 71 $ 2,240 $ 71 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 and nine months ended September 30, 2024 and 2023. There were no allowance for credit losses recorded for held to maturity securities as of September 30, 2024 and December 31, 2023. There was no credit loss expense recorded for held to maturity securities for the three and nine months ended September 30, 2024 and 2023. As of September 30, 2024, there were (c) Equity Securities During the second quarter of 2024, Visa Inc. accepted the Company’s tender of its 6,528 shares of Visa Class B-1 common stock in exchange for a combination of Visa Class B-2 common stock and Visa Class C common stock. As a result, during the second quarter of 2024, the Company marked it Visa Class C common stock to fair value and recorded an unrealized gain of $1.4 million. The Company then sold them all in the third quarter of 2024 and recorded an additional gain of $23 thousand, thus resulting in no remaining carrying value on the Company’s Statement of Financial Condition. Once the Company is able to convert the remaining shares of Visa Class B-2 common stock to Visa Class C shares, the Company will mark these shares to (d) Other-Than-Temporary Impairment Debt Securities Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. In determining OTTI for debt securities, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or it is more likely than not it will be required to sell the debt security before its anticipated recovery. The assessment of whether any other-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. U.S. government sponsored enterprises: Mortgage backed securities and collateralized mortgage obligations – residential: Small Business Administration (SBA) - guaranteed participation securities: Corporate Bonds & Other:

Loan Portfolio and Allowance fo

Loan Portfolio and Allowance for Credit Losses	9 Months Ended
	Sep. 30, 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: September 30, 2024 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 220,645 $ 38,918 $ 259,563 Other 19,934 764 20,698 Real estate mortgage - 1 to 4 family: First mortgages 2,746,180 1,579,684 4,325,864 Home equity loans 43,501 13,309 56,810 Home equity lines of credit 231,275 162,143 393,418 Installment 10,459 4,044 14,503 Total loans, net $ 3,271,994 $ 1,798,862 $ 5,070,856 Less: Allowance for credit losses 49,950 Net loans $ 5,020,906 * 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 $ thousand and $ thousand as of September and , respectively. At and , the Company had approximately million in real estate construction loans at , approximately Allowance for credit losses on loans The level of the ACLL is based on factors that influence management’s current estimate of expected credit losses, including past events and current conditions. There were no changes in the Company’s methodology for the allowance for credit losses on loans for the period ended September 30, 2024. The Company selected the baseline economic forecast for the allowance for credit losses based on current market conditions and portfolio trends. In addition, the Company’s four quarter forecast period and four quarter straight line reversion has not changed for the period ended September 30, 2024. T he Company recorded a provision for credit losses of $500 thousand for the three months ended September 30, 2024, which is the result a provision for credit losses on loans of $400 thousand, and a provision for credit losses on unfunded commitments of $100 thousand. provision , and a provision for credit losses on unfunded commitments of $100 thousand. The Company recorded a provision for credit losses of $100 thousand for the three months ended September 30, 2023, which included a provision for credit losses on loans of $300 thousand, and a benefit for credit losses on unfunded commitments of $200 thousand. unfunded commitments Activity in the allowance for credit losses on loans by portfolio segment for the three months ended September 30, 2024 is summarized as follows: For the three months ended September 30 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 3,429 $ 46,129 $ 214 $ 49,772 Loans charged off: New York and other states* 65 194 17 276 Florida - - 42 42 Total loan chargeoffs 65 194 59 318 Recoveries of loans previously charged off: New York and other states* - 90 6 96 Florida - - - - Total recoveries - 90 6 96 Net loans (recoveries) charged off 65 104 53 222 Provision (credit) for credit losses (12 ) 367 45 400 Balance at end of period $ 3,352 $ 46,392 $ 206 $ 49,950 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses by portfolio segment for the three months ended September 30, 2023 is summarized as follows: For the three months ended September 30 2023 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,610 44,067 237 46,914 Loans charged off: New York and other states* - 27 23 50 Florida - - - - Total loan chargeoffs - 27 23 50 Recoveries of loans previously charged off: New York and other states* - 53 9 62 Florida - - - - Total recoveries - 53 9 62 Net loan (recoveries) charged off - (26 ) 14 (12 ) Provision for credit losses 103 192 5 300 Balance at end of period $ 2,713 44,285 228 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses on loans by portfolio segment for the nine months ended September 30, 2024 is summarized as follows: For the nine September 30 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* 65 311 71 447 Florida - 17 49 66 Total loan chargeoffs 65 328 120 513 Recoveries of loans previously charged off: New York and other states* - 359 26 385 Florida - - - - Total recoveries - 359 26 385 Net loans (recoveries) charged off 65 (31 ) 94 128 Provision for credit losses 682 736 82 1,500 Balance at end of period $ 3,352 $ 46,392 $ 206 $ 49,950 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses by portfolio segment for the nine months ended September 30, 2023 is summarized as follows: For the nine September 30 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 $ 43,271 $ 165 $ 46,032 Loans charged off: New York and other states* - 49 69 118 Florida - - 71 71 Total loan chargeoffs - 49 140 189 Recoveries of loans previously charged off: New York and other states* 129 289 40 458 Florida - 25 - 25 Total recoveries 129 314 40 483 Net loans (recoveries) charged off (129 ) (265 ) 100 (294 ) (Credit) provision for credit losses (12 ) 749 163 900 Balance at end of period $ 2,713 $ 44,285 $ 228 $ 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of September As of September 30 2024 ( dollars in s) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ - Collectively evaluated for impairment 3,352 46,392 206 49,950 Total ending allowance balance $ 3,352 $ 46,392 $ 206 $ 49,950 Loans: Individually evaluated for impairment $ 882 $ 24,043 $ 130 $ 25,055 Collectively evaluated for impairment 279,379 4,752,049 14,373 5,045,801 Total ending loans balance $ 280,261 $ 4,776,092 $ 14,503 $ 5,070,856 As of December 31, 2023 ( dollars in s) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,735 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 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 (credit) The Company’s activity in the allowance for credit losses on unfunded commitments for the three and nine months ended September 30, 2024 and 2023 was as follows: (In thousands) For the three months ended September 30, 2024 Balance at June 30, 2024 $ 1,662 Provision for credit losses 100 Balance at September 30, 2024 $ 1,762 (In thousands) For the nine months ended September 30, 2024 Balance at January 1, 2024 $ 1,662 Provision for credit losses 100 Balance at September 30, 2024 $ 1,762 (In thousands) For the three months ended September 30, 2023 Balance at June 30, 2023 $ 2,112 Credit provision for credit losses (200 ) Balance at September 30, 2023 $ 1,912 (In thousands) For the nine months ended September 30, 2023 Balance at January 1, 2023 $ 2,912 Credit provision for credit losses (1,000 ) Balance at September 30, 2023 $ 1,912 Loan Credit Quality The Company categorizes commercial loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, the Company’s loan grading process analyzes non-homogeneous loans, such as commercial loans and commercial real estate loans, individually by grading the loans based on credit risk. The loan grades assigned to all loan types are tested by the Company’s internal loan review department in accordance with the Company’s internal loan review policy. The Company uses the following definitions for classified loans: Special Mention Substandard Doubtful Loans not meeting the criteria above that are analyzed individually as part of the above-described process are considered to be “pass” rated loans. For homogeneous loan pools, such as residential mortgages, home equity loans, home equity As of September 30, 2024 and December 31, 2023 and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: (in thousands) As of September 30, 2024 Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Commercial : Risk rating Pass $ 34,827 $ 54,126 $ 75,176 $ 22,445 $ 15,425 $ 52,536 $ 2,801 $ - $ 257,336 Special Mention - - 1,070 - 26 524 - - 1,620 Substandard - - 190 - - 379 - - 569 Doubtful - - - - - 38 - - 38 Total Commercial Loans $ 34,827 $ 54,126 $ 76,436 $ 22,445 $ 15,451 $ 53,477 $ 2,801 $ - $ 259,563 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 1,573 $ 7,627 $ 1,890 $ 517 $ 265 $ 1,745 $ 6,201 $ - $ 19,818 Special mention 14 - - - - 37 - - 51 Substandard - - - 132 - 98 285 - 515 Doubtful - - - 314 - - - - 314 Total Commercial Real Estate Loans $ 1,587 $ 7,627 $ 1,890 $ 963 $ 265 $ 1,880 $ 6,486 $ - $ 20,698 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 227,310 $ 409,174 $ 543,602 $ 835,847 $ 694,291 $ 1,600,046 $ 710 $ - $ 4,310,980 Nonperforming - 553 210 534 243 13,344 - - 14,884 Total First Mortgage: $ 227,310 $ 409,727 $ 543,812 $ 836,381 $ 694,534 $ 1,613,390 $ 710 $ - $ 4,325,864 Residential First Mortgage Loans: Current-period Gross writeoffs $ 193 $ - $ - $ - $ - $ 19 $ - $ - $ 212 $ 193 $ - $ - $ - $ - $ 19 $ - $ - $ 212 Home Equity Loans: Risk rating Performing $ 4,777 $ 8,972 $ 5,446 $ 6,837 $ 5,180 $ 25,066 $ - $ - $ 56,278 Nonperforming - - 155 - - 377 - - 532 Total Home Equity Loans: $ 4,777 $ 8,972 $ 5,601 $ 6,837 $ 5,180 $ 25,443 $ - $ - $ 56,810 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 4,171 $ 1,218 $ 1,160 $ 668 $ 227 $ 14,127 $ 368,767 $ - $ 390,338 Nonperforming - - - - - 2,753 327 - 3,080 Total Home Equity Credit Lines: $ 4,171 $ 1,218 $ 1,160 $ 668 $ 227 $ 16,880 $ 369,094 $ - $ 393,418 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 116 $ - $ - $ 116 $ - $ - $ - $ - $ - $ 116 $ - $ - $ 116 Installments: Risk rating Performing $ 2,313 $ 6,296 $ 3,141 $ 856 $ 168 $ 606 $ 955 $ - $ 14,335 Nonperforming - 5 60 54 - 49 - - 168 Total Installments $ 2,313 $ 6,301 $ 3,201 $ 910 $ 168 $ 655 $ 955 $ - $ 14,503 Installments Loans: Current-period Gross writeoffs $ - $ 54 $ 44 $ - $ 4 $ 18 $ - $ - $ 120 $ - $ 54 $ 44 $ - $ 4 $ 18 $ - $ - $ 120 (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 following tables present the aging of the amortized cost in past due loans by loan class and by region as of September 30, 2024 and December 31, 2023: As of September 30 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 $ 827 $ 190 $ 153 $ 1,170 $ 219,475 $ 220,645 Other 8 - 123 131 19,803 19,934 Real estate mortgage - 1 to 4 family: First mortgages 3,638 1,701 5,728 11,067 2,735,113 2,746,180 Home equity loans 15 - 340 355 43,146 43,501 Home equity lines of credit 379 310 1,339 2,028 229,247 231,275 Installment 12 24 119 155 10,304 10,459 Total $ 4,879 $ 2,225 $ 7,802 $ 14,906 $ 3,257,088 $ 3,271,994 Florida: 30-59 60-89 90+ Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - $ - $ - $ - $ 38,918 $ 38,918 Other - - 314 314 450 764 Real estate mortgage - 1 to 4 family: First mortgages 1,832 209 1,588 3,629 1,576,055 1,579,684 Home equity loans - 85 6 91 13,218 13,309 Home equity lines of credit 217 - 70 287 161,856 162,143 Installment 24 1 - 25 4,019 4,044 Total $ 2,073 $ 295 $ 1,978 $ 4,346 $ 1,794,516 $ 1,798,862 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 $ 827 $ 190 $ 153 $ 1,170 $ 258,393 $ 259,563 Other 8 - 437 445 20,253 20,698 Real estate mortgage - 1 to 4 family: First mortgages 5,470 1,910 7,316 14,696 4,311,168 4,325,864 Home equity loans 15 85 346 446 56,364 56,810 Home equity lines of credit 596 310 1,409 2,315 391,103 393,418 Installment 36 25 119 180 14,323 14,503 Total $ 6,952 $ 2,520 $ 9,780 $ 19,252 $ 5,051,604 $ 5,070,856 * 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. At September 30, 2024 and December 31, 2023, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans include all loans 90 days or more past due, as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non-accrual or restructured loans. The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through foreclosure or through a deed in lieu). Other real estate owned is included in other assets on the Balance Sheet. As of September 30, 2024 other real estate owned included $2.2 million and $295 thousand of commercial and residential foreclosed properties, respectively. In addition, non-accrual residential mortgage loans that are in the process of foreclosure had an amortized cost of $6.4 million as of September 30, 2024. As of December 31, 2023 other real estate owned included $194 Loans individually evaluated for impairment include are non-accrual loans delinquent great than 180 days, non-accrual commercial loans, as well as all loan modifications. As of September 30, 2024, there was no allowance for credit losses based on loans individually evaluated for impairment. Residential and installment non-accrual loans which are not loan modifications or greater than 180 days delinquent are collectively evaluated to determine the allowance for credit loss. The following table presents the amortized cost basis in non-accrual loans by portfolio segment: As of September 30 2024 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 343 $ - $ 343 Other 123 314 437 Real estate mortgage - 1 to 4 family: First mortgages 11,999 2,885 14,884 Home equity loans 437 95 532 Home equity lines of credit 2,884 196 3,080 Installment 163 5 168 Total non-accrual loans 15,949 3,495 19,444 Restructured real estate mortgages - 1 to 4 family - - - Total nonperforming loans $ 15,949 $ 3,495 $ 19,444 * 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 September 30, 2024 and December 31, 2023: As of September 30, 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 $ 153 $ 190 - Other 437 - - Real estate mortgage - 1 to 4 family: First mortgages 13,438 1,446 - Home equity loans 412 120 - Home equity lines of credit 2,710 370 - Installment 128 40 - Total loans, net $ 17,278 $ 2,166 - 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 $2.2 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 September 30, 2024 and December 31, 2023, respectively. A financial asset is considered collateral-dependent when the debtor is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. Expected credit losses for the collateral dependent loans are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate. The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of September 30, 2024 and December 31, 2023: As of September 30, Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 445 - - Other 437 - - Real estate mortgage - 1 to 4 family: - - - First mortgages 20,255 - - Home equity loans 421 - - Home equity lines of credit 3,367 - - Installment 130 - - Total $ 25,055 - - 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 additio nal amounts to customers with outstanding loans that are modified. Interest income recognized o n loans that are individually evaluated was not material du or nine months ended and As of loans individually evaluated included approximately Pursuant to the adoption of ASU 2022-02 - Financial Instruments - Credit Losses (Topic 326) Troubled Debt Restructuring and Vintage Disclosures (“ASU 2022-02”), a borrower that is experiencing financial difficulty and receives a modification in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay or a term extension in the current period needs to be disclosed. The following table presents the amortized cost basis of loans at September 30, 2024 and 2023 that were both experiencing financial difficulty and modified during the three and nine months ended September 30, 2024 and 2023, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below : For the three months ended: New York and other states*: September 30, 2024 September 30, 2023 Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - - - First mortgages 80 0.00 % 255 0.01 % Home equity loans - - - - Home equity lines of credit 133 0.06 % - - Installment - - - - Total $ 213 0.01 % $ 255 0.01 % Florida: Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - First mortgages - - - - Home equity loans 89 0.67 % - - Home equity lines of credit - - - - Installment - - - - Total $ 89 0.00 % $ - - Total Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 80 0.00 % 255 0.01 % Home equity loans 89 0.16 % - - Home equity lines of credit 133 0.03 % - - Installment - - - - Total $ 302 0.01 % $ 255 0.01 % * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended: New York and other states*: September 30, 2024 September 30, 2023 Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - - - First mortgages 270 0.01 % 490 0.02 % Home equity loans - - - - Home equity lines of credit 242 0.10 % 50 0.02 % Installment - - - - Total $ 512 0.02 % $ 540 0.02 % Florida: Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - First mortgages 84 0.01 % 340 0.02 % Home equity loans 89 0.67 % - - Home equity lines of credit - - - - Installment - - - - Total $ 173 0.01 % $ 340 0.02 % Total Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 354 0.01 % 830 0.02 % Home equity loans 89 0.16 % - - Home equity lines of credit 242 0.06 % 50 0.02 % Installment - - - - Total $ 685 0.01 % $ 880 0.02 % * Includes New York, New Jersey, Vermont and Massachusetts. The Bank monitors the performance of loans modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table describes the performance of loans that have been modified as of September 30, 2024 and 2023: As of September 30, 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 270 - - - 270 Home equity loans - - - - - Home equity lines of credit 242 - - - 242 Installment - - - - - Total $ 512 $ - $ - $ - $ 512 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 84 - - - 84 Home equity loans 89 - - - 89 Home equity lines of credit - - - - - Installment - - - - - Total $ 173 $ - $ - $ - $ 173 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 354 - - - 354 Home equity loans 89 - - - 89 Home equity lines of credit 242 - - - 242 Installment - - - - - Total $ 685 $ - $ - $ - $ 685 * Includes New York, New Jersey, Vermont and Massachusetts. As of September 30, 2023 New York and other states*: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 351 139 - - 490 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 401 $ 139 $ - $ - $ 540 Florida: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 340 - - - 340 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 340 $ - $ - $ - $ 340 Total 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 691 139 - - 830 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 741 $ 139 $ - $ - $ 880 * Includes New York, New Jersey, Vermont and Massachusetts. The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty for the three and nine months ended September 30, 2024 and 2023: For the three months ended: September 30, 2024 September 30, Weighted Weighted New York and other states*: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 22 18 Home equity loans - - Home equity lines of credit 12 - Installment - - Total 34 18 Weighted Weighted Florida: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages - - Home equity loans 9 - Home equity lines of credit - - Installment - - Total 9 0 Weighted Weighted Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 22 18 Home equity loans 9 - Home equity lines of credit 12 - Installment - - Total 43 18 * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended: September 30, 2024 September 30, 2023 Weighted Weighted New York and other states*: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 15 20 Home equity loans - - Home equity lines of credit 18 18 Installment - - Total 33 38 Weighted Weighted Florida: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 12 24 Home equity loans 9 - Home equity lines of credit - - Installment - - Total 21 24 Weighted Weighted Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 27 44 Home equity loans 9 - Home equity lines of credit 18 18 Installment - - Total 54 62 * 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 and nine months ended September 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

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2024 and 2023. Equity Securities Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at September 30 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 $ 90,588 $ - $ 90,588 $ - State and political subdivisions 26 - 26 - Mortgage backed securities and collateralized mortgage obligations - residential 222,841 - 222,841 - Corporate bonds 54,327 - 54,327 - Small Business Administration- guaranteed 15,171 - 15,171 - Other securities 701 - 701 - Total securities available for sale $ 383,654 $ - $ 383,654 $ - 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 September 30, 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 $ 2,503 $ - $ - $ 2,503 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 $ 2.5 no Of the total individually evaluated loans of $25.1 million at September 30, 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 during the three and nine months ended September 30, 2024. 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. In accordance with FASB Topic 825, Financial Instruments September 30 (dollars in thousands) Fair Value Measurements at Carrying September 30 2024 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 522,965 522,965 - - 522,965 Securities available for sale 383,654 - 383,654 - 383,654 Held to maturity securities 5,636 - 5,645 - 5,645 Federal Home Loan Bank stock 6,507 N/A N/A N/A N/A Net loans 5,020,906 - - 4,594,539 4,594,539 Accrued interest receivable 14,500 668 1,453 12,379 14,500 Financial liabilities: Demand deposits 753,878 753,878 - - 753,878 Interest bearing deposits 4,510,313 2,557,678 1,942,819 - 4,500,497 Short-term borrowings 91,450 - 91,450 - 91,450 Accrued interest payable 3,526 201 3,325 - 3,526 (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	9 Months Ended
	Sep. 30, 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 (loss) income balances, net of tax: Three months ended September 30, 2024 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive income- Balance at income-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2024 Reclassifications Loss 9/30/2024 9/30/2024 Net unrealized holding gain on securities available for sale, net of tax $ (24,635 ) 7,816 - 7,816 (16,819 ) 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 (3,109 ) - (148 ) (148 ) (3,257 ) Accumulated other comprehensive income (loss), net of tax $ (14,268 ) 7,816 (148 ) 7,668 (6,600 ) Three months ended September 30 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2023 Reclassifications Loss 9/30/2023 9/30/2023 Net unrealized holding loss on securities available for sale, net of tax $ (31,125 ) (5,212 ) - (5,212 ) (36,337 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,675 ) - (82 ) (82 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (26,212 ) (5,212 ) (82 ) (5,294 ) (31,506 ) Nine months ended September 30, 2024 Amount Other reclassified Other Comprehensive Comprehensive from Accumulated income- Balance at income-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2024 Reclassifications Income 9/30/2024 9/30/2024 Net unrealized holding loss on securities available for sale, net of tax $ (23,899 ) 7,080 - 7,080 (16,819 ) 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 ) - (443 ) (443 ) (3,257 ) Accumulated other comprehensive income (loss), net of tax $ (13,237 ) 7,080 (443 ) 6,637 (6,600 ) Nine September 30 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2023 Reclassifications Income 9/30/2023 9/30/2023 Net unrealized holding gain on securities available for sale, net of tax $ (32,271 ) (4,066 ) - (4,066 ) (36,337 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service credit on pension and postretirement benefit plans, net of tax (2,511 ) - (246 ) (246 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) (4,066 ) (246 ) (4,312 ) (31,506 ) The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2024 and 2023: (dollars in thousands) Three months ended Nine September 30 September 30 2024 2023 2024 2023 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 203 115 $ 608 343 Salaries and employee benefits Amortization of prior service cost (4 ) (4 ) (10 ) (10 ) Salaries and employee benefits Income tax benefit (51 ) (29 ) (155 ) (87 ) Income taxes Net of tax 148 82 443 246 Total reclassifications, net of tax $ 148 82 $ 443 246

Revenue from Contracts with Cus

Revenue from Contracts with Customers	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2024 and 2023. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended Nine September 30 September 30 2024 2023 2024 2023 Non-interest income Service Charges on Deposits Overdraft fees $ 685 $ 766 $ 2,002 $ 2,169 Other 608 515 1,639 1,601 Interchange Income 1,236 1,376 4,121 4,483 Net gains on equity securities (a) 23 - 1,383 - Wealth management fees 2,044 1,627 5,469 4,813 Other (a) 335 290 811 775 Total non-interest income $ 4,931 $ 4,574 $ 15,425 $ 13,841 (a) Not within the scope of ASC 606. A description of how the Company’s revenue streams are accounted in accordance with ASC 606 are set forth below: Service charges on Deposit Accounts: Interchange Income: Wealth Management fees:

Operating Leases

Operating Leases	9 Months Ended
	Sep. 30, 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 September 30, 2024, the Company did not have any leases with terms of twelve months or less. As of September the Company did not have any leases for which any related construction had not yet started. At September lease expiration dates ranged from to years and have a weighted average remaining lease term of years. Certain leases provide for increases in future minimum annual rental payments as defined in the lease agreements. As mentioned above the leases generally also include variable lease components which include real estate taxes, insurance, and common area maintenance (“CAM”) charges in the annual rental payments. Other information related to leases was as follows: (dollars in thousands) Three months ended September 30 2024 2023 Operating lease cost $ 2,054 $ 2,045 Variable lease cost 522 527 Total Lease costs $ 2,576 $ 2,572 (dollars in thousands) Nine months ended September 30 2024 2023 Operating lease cost $ 6,187 $ 6,132 Variable lease cost 1,716 1,731 Total Lease costs $ 7,903 $ 7,863 ( Nine months ended September 30, 2024 2023 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 6,383 $ 6,268 Right-of-use assets obtained in exchange for lease obligations: 2,397 1,653 Weighted average remaining lease term 8.3 8.6 Weighted average discount rate 3.19 % 3.05 % Future minimum lease payments under non-cancellable leases as of September 30, 2024 were as follows: (dollars in thousands) Year ending December 31, 2024 (a) $ 2,141 2025 8,373 2026 7,385 2027 6,176 2028 4,988 Thereafter 18,355 Total lease payments $ 47,418 Less: Interest 5,949 Present value of lease liabilities $ 41,469 (a) Excluding the nine months ended September 30, 2024. A member of the Board of Directors has an ownership interest in entities that own commercial real estate leased by the Company for use as branch locations. Total lease payments from the Company to those entities, which are included in the table above, owed at September 30, 2024, were $ million, which includes interest of $ thousand.

Regulatory Capital Requirements

Regulatory Capital Requirements	9 Months Ended
	Sep. 30, 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 September 30, 2024, the Company and the Bank met all capital adequacy requirements to which they are subject. Prompt corrective action regulations provide five classifications: well capitalized, adequately capitalized, undercapitalized, significantly undercapitalized, and critically undercapitalized, although these terms are not used to represent overall financial condition. If a bank is not classified as well capitalized, regulatory approval is required to accept brokered deposits. If a bank is undercapitalized, capital distributions are limited, as is asset growth and expansion, and capital restoration plans are required. The federal banking agencies are required to take certain supervisory actions (and may take additional discretionary actions) with respect to an undercapitalized institution or its holding company. Such actions could have a direct material effect on an institution’s or its holding company’s financial statements. As of both September 30, 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 September 30 : (Bank Only) Minimum for Capital Adequacy plus As of September 30, 2024 Well Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio 649,481 10.634 % 5.000 % 4.000 % Common equity tier 1 capital 649,481 18.546 6.500 7.000 Tier 1 risk-based capital 649,481 18.546 8.000 8.500 Total risk-based capital 693,354 19.799 10.000 10.500 Minimum for Capital Adequacy plus As of December 31, 2023 Well 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) Minimum for Capital Adequacy plus As of September 30, 2024 Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio 675,067 11.051 % 4.000 % Common equity tier 1 capital 675,067 19.272 7.000 Tier 1 risk-based capital 675,067 19.272 8.500 Total risk-based capital 718,952 20.525 10.500 Minimum for Capital Adequacy plus As of December 31, 2023 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 September 30, 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	9 Months Ended
	Sep. 30, 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 evaluating 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
	Sep. 30, 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)	9 Months Ended
	Sep. 30, 2024
Earnings Per Share [Abstract]
Reconciliation of Earnings Per Share	A reconciliation of the component parts of earnings per share for the three and nine months ended September 30, 2024 and 2023 is as follows: (in thousands, except per share data) For the three months ended For the nine months ended September 30 September 30 2024 2023 2024 2023 Net income $ 12,875 $ 14,680 $ 37,552 $ 48,798 Weighted average common shares 19,010 19,024 19,019 19,024 Effect of Dilutive Securities: Stock Options and Restricted Stock Units 26 - 15 - Weighted average common shares including potential dilutive shares 19,036 19,024 19,034 19,024 Basic EPS $ 0.68 $ 0.77 $ 1.97 $ 2.57 Diluted EPS $ 0.68 $ 0.77 $ 1.97 $ 2.57

Benefit Plans (Tables)

Benefit Plans (Tables)	9 Months Ended
	Sep. 30, 2024
Benefit Plans [Abstract]
Net Periodic Benefit	The table below outlines the components of the Company’s net periodic benefit recognized during the three and nine months ended September 30, 2024 and 2023 for its pension and other postretirement benefit plan s Three months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2024 2023 2024 2023 Service cost $ - $ - $ 5 $ 2 Interest cost 289 304 72 65 Expected return on plan assets (762 ) (672 ) (332 ) (288 ) Amortization of net actuarial gain (19 ) - (184 ) (115 ) Amortization of prior service cost - - 4 4 Net periodic benefit $ (492 ) $ (368 ) $ (435 ) $ (332 ) Nine months ended September 30 Pension Benefits Other Postretirement Benefits (dollars in thousands) 2024 2023 2024 2023 Service cost $ - $ - $ 14 $ 7 Interest cost 867 910 216 197 Expected return on plan assets (2,286 ) (2,013 ) (995 ) (867 ) Amortization of net actuarial (57 ) - (551 ) (343 ) Amortization of prior service cost - - 10 10 Net periodic benefit $ (1,476 ) $ (1,103 ) $ (1,306 ) $ (996 )

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 30, 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: September 30 2024 Gross Gross Amortized Unrealized Unrealized Fair (dollars in thousands) Cost Gains Losses Value U.S. government sponsored enterprises $ 91,807 $ 16 $ 1,235 $ 90,588 State and political subdivisions 26 - - 26 Mortgage backed securities and collateralized mortgage obligations - residential 242,429 327 19,915 222,841 Corporate bonds 55,030 - 703 54,327 Small Business Administration - guaranteed participation securities 16,352 - 1,181 15,171 Other 688 15 2 701 Total Securities Available for Sale $ 406,332 $ 358 $ 23,036 $ 383,654 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 and nine months ended September 30, 2024 and 2023 are as follows: Three months ended September 30, (dollars in thousands) 2024 2023 Proceeds from sales $ - $ - Proceeds from calls/paydowns 33,992 9,877 Proceeds from maturities 5,000 - Gross realized gains - - Gross realized losses - - Nine months ended September 30, (dollars in thousands) 2024 2023 Proceeds from sales $ - $ - Proceeds from calls/paydowns 54,486 39,346 Proceeds from maturities 60,000 5,000 Gross realized gains - - Gross realized losses - -
Amortized Cost and Fair Value of Held to Maturity Securities	The amortized cost and fair value of the held to maturity securities are as follows: September 30 2024 Gross Gross Amortized Unrecognized Unrecognized Fair (dollars in thousands) Cost Gains Losses Value Mortgage backed securities and collateralized mortgage obligations - residential $ 5,636 $ 80 $ 71 $ 5,645 Total held to maturity $ 5,636 $ 80 $ 71 $ 5,645 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 the debt securities included in the available for sale portfolio as of September 30, 2024 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 $ 80,758 $ 79,853 Due after one year through five years 54,793 53,810 Due after five years through ten years 12,000 11,979 Due after ten years - - Mortgage backed securities and collateralized mortgage obligations - residential 242,429 222,841 Small Business Administration - guaranteed participation securities 16,352 15,171 $ 406,332 $ 383,654
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: September 30 2024 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (dollars in thousands) Value Loss Value Loss Value Loss U.S. government sponsored enterprises $ 11,979 $ 21 $ 68,593 $ 1,214 $ 80,572 $ 1,235 Mortgage backed securities and collateralized mortgage obligations - residential 5,092 83 208,526 19,832 213,618 19,915 Corporate bonds - - 54,327 703 54,327 703 Small Business Administration - guaranteed participation securities - - 15,171 1,181 15,171 1,181 Other - - 648 2 648 2 Total $ 17,071 $ 104 $ 347,265 $ 22,932 $ 364,336 $ 23,036 December 31, 2023 Less than 12 months 12 months or more Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized (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 the debt securities included in the (dollars in thousands) Amortized Fair Cost Value Mortgage backed securities and collateralized mortgage obligations - residential $ 5,636 $ 5,645 $ 5,636 $ 5,645
Gross Unrealized Losses on Investment Securities and Related Fair Values in Unrealized Loss Position	Gross unrecognized losses on held to maturity securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: September 30, 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 $ - $ - $ 2,240 $ 71 $ 2,240 $ 71 Total $ - $ - $ 2,240 $ 71 $ 2,240 $ 71 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)	9 Months Ended
	Sep. 30, 2024
Loan Portfolio and Allowance for Credit Losses [Abstract]
Recorded Investment in Loans by Portfolio Segment	The following tables presents loans by portfolio segment: September 30, 2024 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 220,645 $ 38,918 $ 259,563 Other 19,934 764 20,698 Real estate mortgage - 1 to 4 family: First mortgages 2,746,180 1,579,684 4,325,864 Home equity loans 43,501 13,309 56,810 Home equity lines of credit 231,275 162,143 393,418 Installment 10,459 4,044 14,503 Total loans, net $ 3,271,994 $ 1,798,862 $ 5,070,856 Less: Allowance for credit losses 49,950 Net loans $ 5,020,906 * 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 September 30, 2024 is summarized as follows: For the three months ended September 30 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 3,429 $ 46,129 $ 214 $ 49,772 Loans charged off: New York and other states* 65 194 17 276 Florida - - 42 42 Total loan chargeoffs 65 194 59 318 Recoveries of loans previously charged off: New York and other states* - 90 6 96 Florida - - - - Total recoveries - 90 6 96 Net loans (recoveries) charged off 65 104 53 222 Provision (credit) for credit losses (12 ) 367 45 400 Balance at end of period $ 3,352 $ 46,392 $ 206 $ 49,950 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses by portfolio segment for the three months ended September 30, 2023 is summarized as follows: For the three months ended September 30 2023 ( dollars in s) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,610 44,067 237 46,914 Loans charged off: New York and other states* - 27 23 50 Florida - - - - Total loan chargeoffs - 27 23 50 Recoveries of loans previously charged off: New York and other states* - 53 9 62 Florida - - - - Total recoveries - 53 9 62 Net loan (recoveries) charged off - (26 ) 14 (12 ) Provision for credit losses 103 192 5 300 Balance at end of period $ 2,713 44,285 228 47,226 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses on loans by portfolio segment for the nine months ended September 30, 2024 is summarized as follows: For the nine September 30 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* 65 311 71 447 Florida - 17 49 66 Total loan chargeoffs 65 328 120 513 Recoveries of loans previously charged off: New York and other states* - 359 26 385 Florida - - - - Total recoveries - 359 26 385 Net loans (recoveries) charged off 65 (31 ) 94 128 Provision for credit losses 682 736 82 1,500 Balance at end of period $ 3,352 $ 46,392 $ 206 $ 49,950 * Includes New York, New Jersey, Vermont and Massachusetts. Activity in the allowance for credit losses by portfolio segment for the nine months ended September 30, 2023 is summarized as follows: For the nine September 30 2023 (dollars in thousands) Real Estate Mortgage- Commercial 1 to 4 Family Installment Total Balance at beginning of period $ 2,596 $ 43,271 $ 165 $ 46,032 Loans charged off: New York and other states* - 49 69 118 Florida - - 71 71 Total loan chargeoffs - 49 140 189 Recoveries of loans previously charged off: New York and other states* 129 289 40 458 Florida - 25 - 25 Total recoveries 129 314 40 483 Net loans (recoveries) charged off (129 ) (265 ) 100 (294 ) (Credit) provision for credit losses (12 ) 749 163 900 Balance at end of period $ 2,713 $ 44,285 $ 228 $ 47,226 * Includes New York, New Jersey, Vermont and Massachusetts.
Allowance For Credit Losses and Recorded Investment in Loans by Portfolio Segment and Based on Impairment Method	The following tables present the balance in the allowance for credit losses on loans by portfolio segment and based on impairment evaluation as of September As of September 30 2024 ( dollars in s) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ - Collectively evaluated for impairment 3,352 46,392 206 49,950 Total ending allowance balance $ 3,352 $ 46,392 $ 206 $ 49,950 Loans: Individually evaluated for impairment $ 882 $ 24,043 $ 130 $ 25,055 Collectively evaluated for impairment 279,379 4,752,049 14,373 5,045,801 Total ending loans balance $ 280,261 $ 4,776,092 $ 14,503 $ 5,070,856 As of December 31, 2023 ( dollars in s) 1-to-4 Family Commercial Residential Installment Loans Real Estate Loans Total Allowance for credit losses on loans: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 2,735 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
Allowance for Credit Losses on Unfunded Commitments	The Company’s activity in the allowance for credit losses on unfunded commitments for the three and nine months ended September 30, 2024 and 2023 was as follows: (In thousands) For the three months ended September 30, 2024 Balance at June 30, 2024 $ 1,662 Provision for credit losses 100 Balance at September 30, 2024 $ 1,762 (In thousands) For the nine months ended September 30, 2024 Balance at January 1, 2024 $ 1,662 Provision for credit losses 100 Balance at September 30, 2024 $ 1,762 (In thousands) For the three months ended September 30, 2023 Balance at June 30, 2023 $ 2,112 Credit provision for credit losses (200 ) Balance at September 30, 2023 $ 1,912 (In thousands) For the nine months ended September 30, 2023 Balance at January 1, 2023 $ 2,912 Credit provision for credit losses (1,000 ) Balance at September 30, 2023 $ 1,912
Risk Category Loans by Class of Loans	As of September 30, 2024 and December 31, 2023 and based on the most recent analysis performed, the risk category of loans by class of loans, and gross charge-offs year to date for each loan type by origination year was as follows: (in thousands) As of September 30, 2024 Term Loans Amortized Cost Basis by Origination Year 2024 2023 2022 2021 2020 Prior Revolving Loans Amortized Cost Basis Revolving Loan Converted to Term Total Commercial : Risk rating Pass $ 34,827 $ 54,126 $ 75,176 $ 22,445 $ 15,425 $ 52,536 $ 2,801 $ - $ 257,336 Special Mention - - 1,070 - 26 524 - - 1,620 Substandard - - 190 - - 379 - - 569 Doubtful - - - - - 38 - - 38 Total Commercial Loans $ 34,827 $ 54,126 $ 76,436 $ 22,445 $ 15,451 $ 53,477 $ 2,801 $ - $ 259,563 Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Commercial Other: Risk rating Pass $ 1,573 $ 7,627 $ 1,890 $ 517 $ 265 $ 1,745 $ 6,201 $ - $ 19,818 Special mention 14 - - - - 37 - - 51 Substandard - - - 132 - 98 285 - 515 Doubtful - - - 314 - - - - 314 Total Commercial Real Estate Loans $ 1,587 $ 7,627 $ 1,890 $ 963 $ 265 $ 1,880 $ 6,486 $ - $ 20,698 Other Commercial Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Residential First Mortgage: Risk rating Performing $ 227,310 $ 409,174 $ 543,602 $ 835,847 $ 694,291 $ 1,600,046 $ 710 $ - $ 4,310,980 Nonperforming - 553 210 534 243 13,344 - - 14,884 Total First Mortgage: $ 227,310 $ 409,727 $ 543,812 $ 836,381 $ 694,534 $ 1,613,390 $ 710 $ - $ 4,325,864 Residential First Mortgage Loans: Current-period Gross writeoffs $ 193 $ - $ - $ - $ - $ 19 $ - $ - $ 212 $ 193 $ - $ - $ - $ - $ 19 $ - $ - $ 212 Home Equity Loans: Risk rating Performing $ 4,777 $ 8,972 $ 5,446 $ 6,837 $ 5,180 $ 25,066 $ - $ - $ 56,278 Nonperforming - - 155 - - 377 - - 532 Total Home Equity Loans: $ 4,777 $ 8,972 $ 5,601 $ 6,837 $ 5,180 $ 25,443 $ - $ - $ 56,810 Home Equity Loans: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - $ - Home Equity Lines of Credit: Risk rating Performing $ 4,171 $ 1,218 $ 1,160 $ 668 $ 227 $ 14,127 $ 368,767 $ - $ 390,338 Nonperforming - - - - - 2,753 327 - 3,080 Total Home Equity Credit Lines: $ 4,171 $ 1,218 $ 1,160 $ 668 $ 227 $ 16,880 $ 369,094 $ - $ 393,418 Home Equity Lines of Credit: Current-period Gross writeoffs $ - $ - $ - $ - $ - $ 116 $ - $ - $ 116 $ - $ - $ - $ - $ - $ 116 $ - $ - $ 116 Installments: Risk rating Performing $ 2,313 $ 6,296 $ 3,141 $ 856 $ 168 $ 606 $ 955 $ - $ 14,335 Nonperforming - 5 60 54 - 49 - - 168 Total Installments $ 2,313 $ 6,301 $ 3,201 $ 910 $ 168 $ 655 $ 955 $ - $ 14,503 Installments Loans: Current-period Gross writeoffs $ - $ 54 $ 44 $ - $ 4 $ 18 $ - $ - $ 120 $ - $ 54 $ 44 $ - $ 4 $ 18 $ - $ - $ 120 (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 September 30, 2024 and December 31, 2023: As of September 30 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 $ 827 $ 190 $ 153 $ 1,170 $ 219,475 $ 220,645 Other 8 - 123 131 19,803 19,934 Real estate mortgage - 1 to 4 family: First mortgages 3,638 1,701 5,728 11,067 2,735,113 2,746,180 Home equity loans 15 - 340 355 43,146 43,501 Home equity lines of credit 379 310 1,339 2,028 229,247 231,275 Installment 12 24 119 155 10,304 10,459 Total $ 4,879 $ 2,225 $ 7,802 $ 14,906 $ 3,257,088 $ 3,271,994 Florida: 30-59 60-89 90+ Total Days Days Days 30+ days Total (dollars in thousands) Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - $ - $ - $ - $ 38,918 $ 38,918 Other - - 314 314 450 764 Real estate mortgage - 1 to 4 family: First mortgages 1,832 209 1,588 3,629 1,576,055 1,579,684 Home equity loans - 85 6 91 13,218 13,309 Home equity lines of credit 217 - 70 287 161,856 162,143 Installment 24 1 - 25 4,019 4,044 Total $ 2,073 $ 295 $ 1,978 $ 4,346 $ 1,794,516 $ 1,798,862 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 $ 827 $ 190 $ 153 $ 1,170 $ 258,393 $ 259,563 Other 8 - 437 445 20,253 20,698 Real estate mortgage - 1 to 4 family: First mortgages 5,470 1,910 7,316 14,696 4,311,168 4,325,864 Home equity loans 15 85 346 446 56,364 56,810 Home equity lines of credit 596 310 1,409 2,315 391,103 393,418 Installment 36 25 119 180 14,323 14,503 Total $ 6,952 $ 2,520 $ 9,780 $ 19,252 $ 5,051,604 $ 5,070,856 * 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 table presents the amortized cost basis in non-accrual loans by portfolio segment: As of September 30 2024 (dollars in thousands) New York and other states* Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 343 $ - $ 343 Other 123 314 437 Real estate mortgage - 1 to 4 family: First mortgages 11,999 2,885 14,884 Home equity loans 437 95 532 Home equity lines of credit 2,884 196 3,080 Installment 163 5 168 Total non-accrual loans 15,949 3,495 19,444 Restructured real estate mortgages - 1 to 4 family - - - Total nonperforming loans $ 15,949 $ 3,495 $ 19,444 * 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 September 30, 2024 and December 31, 2023: As of September 30, 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 $ 153 $ 190 - Other 437 - - Real estate mortgage - 1 to 4 family: First mortgages 13,438 1,446 - Home equity loans 412 120 - Home equity lines of credit 2,710 370 - Installment 128 40 - Total loans, net $ 17,278 $ 2,166 - 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 -
Amortized Cost of Collateral-dependent Loans by Class	The following tables present the amortized cost basis of individually analyzed collateral dependent loans by portfolio segment as of September 30, 2024 and December 31, 2023: As of September 30, Type of Collateral (dollars in thousands) Real Estate Investment Securities/Cash Other Commercial: Commercial real estate $ 445 - - Other 437 - - Real estate mortgage - 1 to 4 family: - - - First mortgages 20,255 - - Home equity loans 421 - - Home equity lines of credit 3,367 - - Installment 130 - - Total $ 25,055 - - 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: New York and other states*: September 30, 2024 September 30, 2023 Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - - - First mortgages 80 0.00 % 255 0.01 % Home equity loans - - - - Home equity lines of credit 133 0.06 % - - Installment - - - - Total $ 213 0.01 % $ 255 0.01 % Florida: Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - First mortgages - - - - Home equity loans 89 0.67 % - - Home equity lines of credit - - - - Installment - - - - Total $ 89 0.00 % $ - - Total Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 80 0.00 % 255 0.01 % Home equity loans 89 0.16 % - - Home equity lines of credit 133 0.03 % - - Installment - - - - Total $ 302 0.01 % $ 255 0.01 % * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended: New York and other states*: September 30, 2024 September 30, 2023 Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - - - First mortgages 270 0.01 % 490 0.02 % Home equity loans - - - - Home equity lines of credit 242 0.10 % 50 0.02 % Installment - - - - Total $ 512 0.02 % $ 540 0.02 % Florida: Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: - - First mortgages 84 0.01 % 340 0.02 % Home equity loans 89 0.67 % - - Home equity lines of credit - - - - Installment - - - - Total $ 173 0.01 % $ 340 0.02 % Total Payment % of Total Class Payment % of Total Class (dollars in thousands) Delay of Loans Delay of Loans Commercial: Commercial real estate $ - - $ - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 354 0.01 % 830 0.02 % Home equity loans 89 0.16 % - - Home equity lines of credit 242 0.06 % 50 0.02 % Installment - - - - Total $ 685 0.01 % $ 880 0.02 % * Includes New York, New Jersey, Vermont and Massachusetts.
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty	The following table describes the performance of loans that have been modified as of September 30, 2024 and 2023: As of September 30, 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 270 - - - 270 Home equity loans - - - - - Home equity lines of credit 242 - - - 242 Installment - - - - - Total $ 512 $ - $ - $ - $ 512 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 84 - - - 84 Home equity loans 89 - - - 89 Home equity lines of credit - - - - - Installment - - - - - Total $ 173 $ - $ - $ - $ 173 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 354 - - - 354 Home equity loans 89 - - - 89 Home equity lines of credit 242 - - - 242 Installment - - - - - Total $ 685 $ - $ - $ - $ 685 * Includes New York, New Jersey, Vermont and Massachusetts. As of September 30, 2023 New York and other states*: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 351 139 - - 490 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 401 $ 139 $ - $ - $ 540 Florida: 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 340 - - - 340 Home equity loans - - - - - Home equity lines of credit - - - - - Installment - - - - - Total $ 340 $ - $ - $ - $ 340 Total 30-59 60-89 90+ Days Days Days (dollars in thousands) Current Past Due Past Due Past Due Total Commercial: Commercial real estate $ - $ - $ - $ - $ - Other - - - - - Real estate mortgage - 1 to 4 family: First mortgages 691 139 - - 830 Home equity loans - - - - - Home equity lines of credit 50 - - - 50 Installment - - - - - Total $ 741 $ 139 $ - $ - $ 880 * Includes New York, New Jersey, Vermont and Massachusetts.
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty	The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty for the three and nine months ended September 30, 2024 and 2023: For the three months ended: September 30, 2024 September 30, Weighted Weighted New York and other states*: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 22 18 Home equity loans - - Home equity lines of credit 12 - Installment - - Total 34 18 Weighted Weighted Florida: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages - - Home equity loans 9 - Home equity lines of credit - - Installment - - Total 9 0 Weighted Weighted Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 22 18 Home equity loans 9 - Home equity lines of credit 12 - Installment - - Total 43 18 * Includes New York, New Jersey, Vermont and Massachusetts. For the nine months ended: September 30, 2024 September 30, 2023 Weighted Weighted New York and other states*: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: - - First mortgages 15 20 Home equity loans - - Home equity lines of credit 18 18 Installment - - Total 33 38 Weighted Weighted Florida: Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 12 24 Home equity loans 9 - Home equity lines of credit - - Installment - - Total 21 24 Weighted Weighted Average Average Payment Payment (dollars in thousands) Delay (Months) Delay (Months) Commercial: Commercial real estate - - Other - - Real estate mortgage - 1 to 4 family: First mortgages 27 44 Home equity loans 9 - Home equity lines of credit 18 18 Installment - - Total 54 62 * Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr_2

Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 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 September 30 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 $ 90,588 $ - $ 90,588 $ - State and political subdivisions 26 - 26 - Mortgage backed securities and collateralized mortgage obligations - residential 222,841 - 222,841 - Corporate bonds 54,327 - 54,327 - Small Business Administration- guaranteed 15,171 - 15,171 - Other securities 701 - 701 - Total securities available for sale $ 383,654 $ - $ 383,654 $ - 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 September 30, 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 $ 2,503 $ - $ - $ 2,503 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 September 30 (dollars in thousands) Fair Value Measurements at Carrying September 30 2024 Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 522,965 522,965 - - 522,965 Securities available for sale 383,654 - 383,654 - 383,654 Held to maturity securities 5,636 - 5,645 - 5,645 Federal Home Loan Bank stock 6,507 N/A N/A N/A N/A Net loans 5,020,906 - - 4,594,539 4,594,539 Accrued interest receivable 14,500 668 1,453 12,379 14,500 Financial liabilities: Demand deposits 753,878 753,878 - - 753,878 Interest bearing deposits 4,510,313 2,557,678 1,942,819 - 4,500,497 Short-term borrowings 91,450 - 91,450 - 91,450 Accrued interest payable 3,526 201 3,325 - 3,526 (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)	9 Months Ended
	Sep. 30, 2024
Accumulated Other Comprehensive Loss [Abstract]
Accumulated Other Comprehensive (Loss) Income Balances, Net of Tax	The following is a summary of the accumulated other comprehensive (loss) income balances, net of tax: Three months ended September 30, 2024 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive income- Balance at income-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2024 Reclassifications Loss 9/30/2024 9/30/2024 Net unrealized holding gain on securities available for sale, net of tax $ (24,635 ) 7,816 - 7,816 (16,819 ) 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 (3,109 ) - (148 ) (148 ) (3,257 ) Accumulated other comprehensive income (loss), net of tax $ (14,268 ) 7,816 (148 ) 7,668 (6,600 ) Three months ended September 30 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Three months ended Balance at (dollars in thousands) 7/1/2023 Reclassifications Loss 9/30/2023 9/30/2023 Net unrealized holding loss on securities available for sale, net of tax $ (31,125 ) (5,212 ) - (5,212 ) (36,337 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service cost on pension and postretirement benefit plans, net of tax (2,675 ) - (82 ) (82 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (26,212 ) (5,212 ) (82 ) (5,294 ) (31,506 ) Nine months ended September 30, 2024 Amount Other reclassified Other Comprehensive Comprehensive from Accumulated income- Balance at income-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2024 Reclassifications Income 9/30/2024 9/30/2024 Net unrealized holding loss on securities available for sale, net of tax $ (23,899 ) 7,080 - 7,080 (16,819 ) 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 ) - (443 ) (443 ) (3,257 ) Accumulated other comprehensive income (loss), net of tax $ (13,237 ) 7,080 (443 ) 6,637 (6,600 ) Nine September 30 2023 Amount Other reclassified Other Comprehensive from Accumulated Comprehensive loss- Balance at loss-Before Other Comprehensive Nine months ended Balance at (dollars in thousands) 1/1/2023 Reclassifications Income 9/30/2023 9/30/2023 Net unrealized holding gain on securities available for sale, net of tax $ (32,271 ) (4,066 ) - (4,066 ) (36,337 ) Net change in overfunded position in pension and postretirement plans arising during the year, net of tax 7,588 - - - 7,588 Net change in net actuarial gain and prior service credit on pension and postretirement benefit plans, net of tax (2,511 ) - (246 ) (246 ) (2,757 ) Accumulated other comprehensive loss, net of tax $ (27,194 ) (4,066 ) (246 ) (4,312 ) (31,506 )
Reclassifications out of Accumulated Other Comprehensive Income (Loss)	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three and nine months ended September 30, 2024 and 2023: (dollars in thousands) Three months ended Nine September 30 September 30 2024 2023 2024 2023 Affected Line Item in Financial Statements Amortization of pension and postretirement benefit items: Amortization of net actuarial gain $ 203 115 $ 608 343 Salaries and employee benefits Amortization of prior service cost (4 ) (4 ) (10 ) (10 ) Salaries and employee benefits Income tax benefit (51 ) (29 ) (155 ) (87 ) Income taxes Net of tax 148 82 443 246 Total reclassifications, net of tax $ 148 82 $ 443 246

Revenue from Contracts with C_2

Revenue from Contracts with Customers (Tables)	9 Months Ended
	Sep. 30, 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 and nine months ended September 30, 2024 and 2023. Items outside the scope of ASC 606 are noted as such. (dollars in thousands) Three months ended Nine September 30 September 30 2024 2023 2024 2023 Non-interest income Service Charges on Deposits Overdraft fees $ 685 $ 766 $ 2,002 $ 2,169 Other 608 515 1,639 1,601 Interchange Income 1,236 1,376 4,121 4,483 Net gains on equity securities (a) 23 - 1,383 - Wealth management fees 2,044 1,627 5,469 4,813 Other (a) 335 290 811 775 Total non-interest income $ 4,931 $ 4,574 $ 15,425 $ 13,841 (a) Not within the scope of ASC 606.

Operating Leases (Tables)

Operating Leases (Tables)	9 Months Ended
	Sep. 30, 2024
Operating Leases [Abstract]
Other Information Related to Leases	Other information related to leases was as follows: (dollars in thousands) Three months ended September 30 2024 2023 Operating lease cost $ 2,054 $ 2,045 Variable lease cost 522 527 Total Lease costs $ 2,576 $ 2,572 (dollars in thousands) Nine months ended September 30 2024 2023 Operating lease cost $ 6,187 $ 6,132 Variable lease cost 1,716 1,731 Total Lease costs $ 7,903 $ 7,863
Supplemental Cash Flows Information	( Nine months ended September 30, 2024 2023 Supplemental cash flows information: Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 6,383 $ 6,268 Right-of-use assets obtained in exchange for lease obligations: 2,397 1,653 Weighted average remaining lease term 8.3 8.6 Weighted average discount rate 3.19 % 3.05 %
Future Minimum Lease Payments	Future minimum lease payments under non-cancellable leases as of September 30, 2024 were as follows: (dollars in thousands) Year ending December 31, 2024 (a) $ 2,141 2025 8,373 2026 7,385 2027 6,176 2028 4,988 Thereafter 18,355 Total lease payments $ 47,418 Less: Interest 5,949 Present value of lease liabilities $ 41,469 (a) Excluding the nine months ended September 30, 2024.

Regulatory Capital Requiremen_2

Regulatory Capital Requirements (Tables)	9 Months Ended
	Sep. 30, 2024
Regulatory Capital Requirements [Abstract]
Actual Capital Amounts and Ratios	The Bank and the Company reported the following capital ratios as of September 30 : (Bank Only) Minimum for Capital Adequacy plus As of September 30, 2024 Well Capital Conservation (dollars in thousands) Amount Ratio Capitalized (1) Buffer (1)(2) Tier 1 leverage ratio 649,481 10.634 % 5.000 % 4.000 % Common equity tier 1 capital 649,481 18.546 6.500 7.000 Tier 1 risk-based capital 649,481 18.546 8.000 8.500 Total risk-based capital 693,354 19.799 10.000 10.500 Minimum for Capital Adequacy plus As of December 31, 2023 Well 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) Minimum for Capital Adequacy plus As of September 30, 2024 Capital Conservation (dollars in thousands) Amount Ratio Buffer (1)(2) Tier 1 leverage ratio 675,067 11.051 % 4.000 % Common equity tier 1 capital 675,067 19.272 7.000 Tier 1 risk-based capital 675,067 19.272 8.500 Total risk-based capital 718,952 20.525 10.500 Minimum for Capital Adequacy plus As of December 31, 2023 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 September 30, 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						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Reconciliation of the component parts of earnings per share [Abstract]
Net income	$ 12,875	$ 12,551	$ 12,126	$ 14,680	$ 16,372	$ 17,746	$ 37,552	$ 48,798
Weighted average common shares (in shares)	19,010			19,024			19,019	19,024
Effect of Dilutive Securities [Abstract]
Stock Options and Restricted Stock Units (in shares)	26			0			15	0
Weighted average common shares including potential dilutive shares (in shares)	19,036			19,024			19,034	19,024
Basic EPS (in dollars per share)	$ 0.68			$ 0.77			$ 1.97	$ 2.57
Diluted EPS (in dollars per share)	$ 0.68			$ 0.77			$ 1.97	$ 2.57
Stock Options [Member]
Antidilutive Securities [Abstract]
Number of anti-dilutive stock options excluded from diluted earnings per share (in shares)	22			77			48	77

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 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	0	$ 0
Interest cost	289	304	867	910
Expected return on plan assets	(762)	(672)	(2,286)	(2,013)
Amortization of net actuarial gain	(19)	0	(57)	0
Amortization of prior service cost	0	0	0	0
Net periodic benefit	(492)	(368)	(1,476)	(1,103)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	5	2	14	7
Interest cost	72	65	216	197
Expected return on plan assets	(332)	(288)	(995)	(867)
Amortization of net actuarial gain	(184)	(115)	(551)	(343)
Amortization of prior service cost	4	4	10	10
Net periodic benefit	$ (435)	$ (332)	$ (1,306)	$ (996)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 406,332	$ 484,513
Gross Unrealized Gains	358	286
Gross Unrealized Losses	23,036	32,510
Fair Value	383,654	452,289
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	91,807	121,728
Gross Unrealized Gains	16	5
Gross Unrealized Losses	1,235	3,065
Fair Value	90,588	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	242,429	263,182
Gross Unrealized Gains	327	270
Gross Unrealized Losses	19,915	25,775
Fair Value	222,841	237,677
Corporate Bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	55,030	80,150
Gross Unrealized Gains	0	0
Gross Unrealized Losses	703	2,098
Fair Value	54,327	78,052
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	16,352	18,740
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,181	1,554
Fair Value	15,171	17,186
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	688	687
Gross Unrealized Gains	15	11
Gross Unrealized Losses	2	18
Fair Value	$ 701	$ 680

Investment Securities, Availa_2

Investment Securities, Available-for-sale Securities, Maturities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized Cost [Abstract]
Due in one year or less	$ 80,758
Due after one year through five years	54,793
Due after five years through ten years	12,000
Due after ten years	0
Amortized Cost	406,332	$ 484,513
Fair Value [Abstract]
Due in one year or less	79,853
Due after one year through five years	53,810
Due after five years through ten years	11,979
Due after ten years	0
Fair Value	383,654	452,289
Mortgage-Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	242,429
Amortized Cost	242,429	263,182
Fair Value [Abstract]
Securities, fair value	222,841
Fair Value	222,841	237,677
Small Business Administration-Guaranteed Participation Securities [Member]
Amortized Cost [Abstract]
Securities, amortized cost	16,352
Amortized Cost	16,352	18,740
Fair Value [Abstract]
Securities, fair value	15,171
Fair Value	$ 15,171	$ 17,186

Investment Securities, Availa_3

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 17,071		$ 17,071		$ 0
12 months or more - Fair Value	347,265		347,265		439,923
Total - Fair Value	364,336		364,336		439,923
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	104		104		0
12 months or more - Gross Unrealized Loss	22,932		22,932		32,510
Total - Gross Unrealized Loss	23,036		23,036		32,510
Available-for-sale, allowance for credit loss	0		0		0
Available-for-sale, allowance for credit loss, charged off	0	$ 0	0	$ 0
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	11,979		11,979		0
12 months or more - Fair Value	68,593		68,593		116,163
Total - Fair Value	80,572		80,572		116,163
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	21		21		0
12 months or more - Gross Unrealized Loss	1,214		1,214		3,065
Total - Gross Unrealized Loss	1,235		1,235		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	5,092		5,092		0
12 months or more - Fair Value	208,526		208,526		227,891
Total - Fair Value	213,618		213,618		227,891
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	83		83		0
12 months or more - Gross Unrealized Loss	19,832		19,832		25,775
Total - Gross Unrealized Loss	19,915		19,915		25,775
Corporate Bonds [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0		0		0
12 months or more - Fair Value	54,327		54,327		78,052
Total - Fair Value	54,327		54,327		78,052
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0		0		0
12 months or more - Gross Unrealized Loss	703		703		2,098
Total - Gross Unrealized Loss	703		703		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		0
12 months or more - Fair Value	15,171		15,171		17,186
Total - Fair Value	15,171		15,171		17,186
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0		0		0
12 months or more - Gross Unrealized Loss	1,181		1,181		1,554
Total - Gross Unrealized Loss	1,181		1,181		1,554
Other [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0		0		0
12 months or more - Fair Value	648		648		631
Total - Fair Value	648		648		631
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0		0		0
12 months or more - Gross Unrealized Loss	2		2		18
Total - Gross Unrealized Loss	$ 2		$ 2		$ 18

Investment Securities, Availa_4

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0	$ 0	$ 0
Proceeds from calls/paydowns	33,992	9,877	54,486	39,346
Proceeds from maturities	5,000	0	60,000	5,000
Gross realized gains	0	0	0	0
Gross realized losses	0	0	0	0
Sales and transfers of available for sale securities	$ 0	$ 0	$ 0	$ 0

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities, Amortized Cost and Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 5,636	$ 6,458
Gross Unrecognized Gains	80	74
Gross Unrecognized Losses	71	136
Fair Value	5,645	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	5,636	6,458
Gross Unrecognized Gains	80	74
Gross Unrecognized Losses	71	136
Fair Value	$ 5,645	$ 6,396

Investment Securities, Held-t_2

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Amortized Cost [Abstract]
Amortized Cost	$ 5,636	$ 6,458
Fair Value [Abstract]
Fair Value	5,645	6,396
Mortgage Backed Securities and Collateralized Mortgage Obligations - Residential [Member]
Amortized Cost [Abstract]
Securities, amortized cost	5,636
Amortized Cost	5,636	6,458
Fair Value [Abstract]
Securities, fair value	5,645
Fair Value	$ 5,645	$ 6,396

Investment Securities, Held-t_3

Investment Securities, Held-to-maturity Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Unrecognized Loss Position, Fair Value [Abstract]
Less than 12 months - Fair value	$ 0		$ 0		$ 283
More than 12 months - Fair value	2,240		2,240		2,703
Fair Value	2,240		2,240		2,986
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	0		0		3
More than 12 months - Gross Unrecognized Loss	71		71		133
Gross Unrecognized Losses	71		71		136
Sales and transfers of held to maturity securities	0	$ 0	0	$ 0
Held-to-maturity, allowance for credit loss	0		0		0
Held-to-maturity, allowance for credit loss, expense	0	$ 0	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	0		0		283
More than 12 months - Fair value	2,240		2,240		2,703
Fair Value	2,240		2,240		2,986
Unrecognized Loss Position, Unrealized Losses [Abstract]
Less than 12 months - Gross Unrecognized Loss	0		0		3
More than 12 months - Gross Unrecognized Loss	71		71		133
Gross Unrecognized Losses	$ 71		$ 71		$ 136

Investment Securities, Other In

Investment Securities, Other Investments (Details) - USD ($) $ in Thousands		3 Months Ended			9 Months Ended
		Sep. 30, 2024	Jun. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Other Investments [Abstract]
Unrealized gain on exchange of common stock	[1]	$ 23		$ 0	$ 1,383	$ 0
Unrealized gain on sale of equity securities	[1]	23		$ 0	1,383	$ 0
Visa Class B-1 Common Stock [Member]
Other Investments [Abstract]
Number of common stock shares exchanged (in shares)			6,528
Visa Class C Common Stock [Member]
Other Investments [Abstract]
Unrealized gain on exchange of common stock		23	$ 1,400
Unrealized gain on sale of equity securities		23	$ 1,400
Investment, carrying value		0			0
Visa Class B-2 Common Stock [Member]
Other Investments [Abstract]
Investment, carrying value		$ 0			$ 0
[1]Not within the scope of ASC 606.

Loan Portfolio and Allowance _3

Loan Portfolio and Allowance for Credit Losses, Recorded Investment in Loans by Loan Class (Details) - USD ($) $ in Thousands		Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Loans and Leases Receivable [Abstract]
Total loans, net		$ 5,070,856		$ 5,002,879
Less: Allowance for credit losses		49,950	$ 49,772	48,578	$ 47,226	$ 46,914	$ 46,032
Net loans		5,020,906		4,954,301
New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	3,271,994		3,259,038
Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,798,862		1,743,841
Real Estate Construction Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		24,700		29,100
Residential Borrowers [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		7,900		8,000
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		16,800		21,100
Commercial [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		280,261		273,515
Less: Allowance for credit losses		3,352	3,429	2,735	2,713	2,610	2,596
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		259,563		252,255
Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	220,645		212,754
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		38,918		39,501
Commercial [Member] | Other [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		20,698		21,260
Commercial [Member] | Other [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	19,934		20,863
Commercial [Member] | Other [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		764		397
Commercial [Member] | PPP Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		292		620
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		4,776,092		4,712,478
Less: Allowance for credit losses		46,392	46,129	45,625	44,285	44,067	43,271
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		4,325,864		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]	2,746,180		2,756,914
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		1,579,684		1,550,191
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		56,810		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]	43,501		44,152
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		13,309		13,806
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		393,418		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]	231,275		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		162,143		135,117
Installment [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		14,503		16,886
Less: Allowance for credit losses		206	$ 214	218	$ 228	$ 237	$ 165
Installment [Member] | New York and Other States [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	[1]	10,459		12,057
Installment [Member] | Florida [Member]
Loans and Leases Receivable [Abstract]
Total loans, net		$ 4,044		$ 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		9 Months Ended		12 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 49,772	$ 46,914	$ 48,578	$ 46,032	$ 46,032
Loans charged off [Abstract]
Total loan charge offs		318	50	513	189
Recoveries of loans previously charged off [Abstract]
Total recoveries		96	62	385	483
Net loans (recoveries) charged off		222	(12)	128	(294)
Provision (credit) for credit losses		400	300	1,500	900
Balance at end of period		49,950	47,226	49,950	47,226	48,578
Provision (benefit) for credit losses		500	100	1,600	(100)
Credit losses on unfunded commitments		100	200	100	1,000
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	276	50	447	118
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	96	62	385	458
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		42	0	66	71
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0	25
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		3,429	2,610	2,735	2,596	2,596
Loans charged off [Abstract]
Total loan charge offs		65	0	65	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0	129
Net loans (recoveries) charged off		65	0	65	(129)
Provision (credit) for credit losses		(12)	103	682	(12)
Balance at end of period		3,352	2,713	3,352	2,713	2,735
Commercial [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	65	0	65	0
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	0	0	0	129
Commercial [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	0	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		46,129	44,067	45,625	43,271	43,271
Loans charged off [Abstract]
Total loan charge offs		194	27	328	49
Recoveries of loans previously charged off [Abstract]
Total recoveries		90	53	359	314
Net loans (recoveries) charged off		104	(26)	(31)	(265)
Provision (credit) for credit losses		367	192	736	749
Balance at end of period		46,392	44,285	46,392	44,285	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]	194	27	311	49
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	90	53	359	289
Real Estate Mortgage - 1 to 4 Family [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		0	0	17	0
Recoveries of loans previously charged off [Abstract]
Total recoveries		0	0	0	25
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		214	237	218	165	165
Loans charged off [Abstract]
Total loan charge offs		59	23	120	140	176
Recoveries of loans previously charged off [Abstract]
Total recoveries		6	9	26	40
Net loans (recoveries) charged off		53	14	94	100
Provision (credit) for credit losses		45	5	82	163
Balance at end of period		206	228	206	228	$ 218
Installment [Member] | New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	[1]	17	23	71	69
Recoveries of loans previously charged off [Abstract]
Total recoveries	[1]	6	9	26	40
Installment [Member] | Florida [Member]
Loans charged off [Abstract]
Total loan charge offs		42	0	49	71
Recoveries of loans previously charged off [Abstract]
Total recoveries		$ 0	$ 0	$ 0	$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _5

Loan Portfolio and Allowance for Credit Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Jun. 30, 2024	Dec. 31, 2023	Sep. 30, 2023	Jun. 30, 2023	Dec. 31, 2022
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	49,950		48,578
Total ending allowance balance	49,950	$ 49,772	48,578	$ 47,226	$ 46,914	$ 46,032
Loans [Abstract]
Individually evaluated for impairment	25,055		24,729
Collectively evaluated for impairment	5,045,801		4,978,150
Total loans	5,070,856		5,002,879
Commercial Loans [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	3,352		2,735
Total ending allowance balance	3,352	3,429	2,735	2,713	2,610	2,596
Loans [Abstract]
Individually evaluated for impairment	882		957
Collectively evaluated for impairment	279,379		272,558
Total loans	280,261		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	46,392		45,625
Total ending allowance balance	46,392	46,129	45,625	44,285	44,067	43,271
Loans [Abstract]
Individually evaluated for impairment	24,043		23,628
Collectively evaluated for impairment	4,752,049		4,688,850
Total loans	4,776,092		4,712,478
Installment Loans [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	206		218
Total ending allowance balance	206	$ 214	218	$ 228	$ 237	$ 165
Loans [Abstract]
Individually evaluated for impairment	130		144
Collectively evaluated for impairment	14,373		16,742
Total loans	$ 14,503		$ 16,886

Loan Portfolio and Allowance _6

Loan Portfolio and Allowance for Credit Losses, Allowance for Credit Losses on Unfunded Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	$ 49,772	$ 46,914	$ 48,578	$ 46,032
(Credit) provision for credit losses	100	200	100	1,000
Balance at end of period	49,950	47,226	49,950	47,226
Unfunded Commitments [Member]
Allowance for Credit Losses on Unfunded Commitments [Abstract]
Balance at beginning of period	1,662	2,112	1,662
Balance at beginning of period				2,912
(Credit) provision for credit losses	100	(200)	100	(1,000)
Balance at end of period	$ 1,762	$ 1,912	$ 1,762	$ 1,912

Loan Portfolio and Allowance _7

Loan Portfolio and Allowance for Credit Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023	Dec. 31, 2023
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	$ 5,070,856		$ 5,070,856		$ 5,002,879
Current-period Gross writeoffs	318	$ 50	513	$ 189
Commercial [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	280,261		280,261		273,515
Current-period Gross writeoffs	65	0	65	0
Commercial [Member] | Commercial Real Estate [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	34,827		34,827		61,148
2023/2022	54,126		54,126		82,339
2022/2021	76,436		76,436		23,940
2021/2020	22,445		22,445		16,695
2020/2019	15,451		15,451		19,835
Prior	53,477		53,477		42,634
Revolving Loans Amortized Cost Basis	2,801		2,801		5,664
Revolving Loan Converted to Term	0		0		0
Total loans	259,563		259,563		252,255
2024/2023			0		0
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			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]
2024/2023	34,827		34,827		61,148
2023/2022	54,126		54,126		82,339
2022/2021	75,176		75,176		23,940
2021/2020	22,445		22,445		16,653
2020/2019	15,425		15,425		19,835
Prior	52,536		52,536		41,153
Revolving Loans Amortized Cost Basis	2,801		2,801		5,664
Revolving Loan Converted to Term	0		0		0
Total loans	257,336		257,336		250,732
Commercial [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	1,070		1,070		0
2021/2020	0		0		42
2020/2019	26		26		0
Prior	524		524		225
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	1,620		1,620		267
Commercial [Member] | Commercial Real Estate [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	190		190		0
2021/2020	0		0		0
2020/2019	0		0		0
Prior	379		379		1,256
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	569		569		1,256
Commercial [Member] | Commercial Real Estate [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0
2023/2022	0		0
2022/2021	0		0
2021/2020	0		0
2020/2019	0		0
Prior	38		38
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	38		38
Commercial [Member] | Other [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	1,587		1,587		7,873
2023/2022	7,627		7,627		2,164
2022/2021	1,890		1,890		2,261
2021/2020	963		963		1,386
2020/2019	265		265		321
Prior	1,880		1,880		2,739
Revolving Loans Amortized Cost Basis	6,486		6,486		4,516
Revolving Loan Converted to Term	0		0		0
Total loans	20,698		20,698		21,260
2024/2023			0		0
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			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]
2024/2023	1,573		1,573		7,873
2023/2022	7,627		7,627		2,164
2022/2021	1,890		1,890		1,933
2021/2020	517		517		1,386
2020/2019	265		265		321
Prior	1,745		1,745		2,641
Revolving Loans Amortized Cost Basis	6,201		6,201		4,482
Revolving Loan Converted to Term	0		0		0
Total loans	19,818		19,818		20,800
Commercial [Member] | Other [Member] | Special Mention [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	14		14		0
2023/2022	0		0		0
2022/2021	0		0		0
2021/2020	0		0		0
2020/2019	0		0		0
Prior	37		37		0
Revolving Loans Amortized Cost Basis	0		0		34
Revolving Loan Converted to Term	0		0		0
Total loans	51		51		34
Commercial [Member] | Other [Member] | Substandard [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		328
2021/2020	132		132		0
2020/2019	0		0		0
Prior	98		98		98
Revolving Loans Amortized Cost Basis	285		285		0
Revolving Loan Converted to Term	0		0		0
Total loans	515		515		426
Commercial [Member] | Other [Member] | Doubtful [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0
2023/2022	0		0
2022/2021	0		0
2021/2020	314		314
2020/2019	0		0
Prior	0		0
Revolving Loans Amortized Cost Basis	0		0
Revolving Loan Converted to Term	0		0
Total loans	314		314
Real Estate Mortgage - 1 to 4 Family [Member]
Credit Risk Profile, Segregated by Class [Abstract]
Total loans	4,776,092		4,776,092		4,712,478
Current-period Gross writeoffs	194	27	328	49
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	227,310		227,310		418,955
2023/2022	409,727		409,727		566,827
2022/2021	543,812		543,812		878,398
2021/2020	836,381		836,381		733,080
2020/2019	694,534		694,534		343,678
Prior	1,613,390		1,613,390		1,366,167
Revolving Loans Amortized Cost Basis	710		710		0
Revolving Loan Converted to Term	0		0		0
Total loans	4,325,864		4,325,864		4,307,105
2024/2023			193		0
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			0		27
Prior			19		336
Revolving Loans Amortized Cost Basis Writeoffs			0		0
Revolving Loan Converted to Term Writeoffs			0		0
Current-period Gross writeoffs			212		363
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	227,310		227,310		418,891
2023/2022	409,174		409,174		566,617
2022/2021	543,602		543,602		878,015
2021/2020	835,847		835,847		732,851
2020/2019	694,291		694,291		342,559
Prior	1,600,046		1,600,046		1,354,867
Revolving Loans Amortized Cost Basis	710		710		0
Revolving Loan Converted to Term	0		0		0
Total loans	4,310,980		4,310,980		4,293,800
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		64
2023/2022	553		553		210
2022/2021	210		210		383
2021/2020	534		534		229
2020/2019	243		243		1,119
Prior	13,344		13,344		11,300
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	14,884		14,884		13,305
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	4,777		4,777		9,660
2023/2022	8,972		8,972		5,963
2022/2021	5,601		5,601		7,770
2021/2020	6,837		6,837		5,668
2020/2019	5,180		5,180		6,542
Prior	25,443		25,443		22,355
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	56,810		56,810		57,958
2024/2023			0		0
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			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]
2024/2023	4,777		4,777		9,660
2023/2022	8,972		8,972		5,963
2022/2021	5,446		5,446		7,770
2021/2020	6,837		6,837		5,668
2020/2019	5,180		5,180		6,542
Prior	25,066		25,066		22,076
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	56,278		56,278		57,679
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	155		155		0
2021/2020	0		0		0
2020/2019	0		0		0
Prior	377		377		279
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	532		532		279
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	4,171		4,171		355
2023/2022	1,218		1,218		641
2022/2021	1,160		1,160		256
2021/2020	668		668		131
2020/2019	227		227		10
Prior	16,880		16,880		18,777
Revolving Loans Amortized Cost Basis	369,094		369,094		327,245
Revolving Loan Converted to Term	0		0		0
Total loans	393,418		393,418		347,415
2024/2023			0		0
2023/2022			0		0
2022/2021			0		0
2021/2020			0		0
2020/2019			0		0
Prior			116		8
Revolving Loans Amortized Cost Basis Writeoffs			0		0
Revolving Loan Converted to Term Writeoffs			0		0
Current-period Gross writeoffs			116		8
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	4,171		4,171		355
2023/2022	1,218		1,218		641
2022/2021	1,160		1,160		248
2021/2020	668		668		75
2020/2019	227		227		10
Prior	14,127		14,127		15,964
Revolving Loans Amortized Cost Basis	368,767		368,767		327,059
Revolving Loan Converted to Term	0		0		0
Total loans	390,338		390,338		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]
2024/2023	0		0		0
2023/2022	0		0		0
2022/2021	0		0		8
2021/2020	0		0		56
2020/2019	0		0		0
Prior	2,753		2,753		2,813
Revolving Loans Amortized Cost Basis	327		327		186
Revolving Loan Converted to Term	0		0		0
Total loans	3,080		3,080		3,063
Installment [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	2,313		2,313		8,473
2023/2022	6,301		6,301		4,641
2022/2021	3,201		3,201		1,535
2021/2020	910		910		360
2020/2019	168		168		261
Prior	655		655		608
Revolving Loans Amortized Cost Basis	955		955		1,008
Revolving Loan Converted to Term	0		0		0
Total loans	14,503		14,503		16,886
2024/2023			0		16
2023/2022			54		67
2022/2021			44		50
2021/2020			0		1
2020/2019			4		21
Prior			18		21
Revolving Loans Amortized Cost Basis Writeoffs			0		0
Revolving Loan Converted to Term Writeoffs			0		0
Current-period Gross writeoffs	59	$ 23	120	$ 140	176
Installment [Member] | Performing [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	2,313		2,313		8,473
2023/2022	6,296		6,296		4,592
2022/2021	3,141		3,141		1,484
2021/2020	856		856		360
2020/2019	168		168		198
Prior	606		606		605
Revolving Loans Amortized Cost Basis	955		955		1,008
Revolving Loan Converted to Term	0		0		0
Total loans	14,335		14,335		16,720
Installment [Member] | Nonperforming [Member]
Credit Risk Profile, Segregated by Class [Abstract]
2024/2023	0		0		0
2023/2022	5		5		49
2022/2021	60		60		51
2021/2020	54		54		0
2020/2019	0		0		63
Prior	49		49		3
Revolving Loans Amortized Cost Basis	0		0		0
Revolving Loan Converted to Term	0		0		0
Total loans	$ 168		$ 168		$ 166

Loan Portfolio and Allowance _8

Loan Portfolio and Allowance for Credit Losses, Past Due (Details) - USD ($) $ in Thousands		9 Months Ended
		Sep. 30, 2024	Dec. 31, 2023
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 5,070,856	$ 5,002,879
Number of days past due		90 days
Loans that are 90 days past due and still accruing interest		$ 0	0
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans	[1]	3,271,994	3,259,038
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,798,862	1,743,841
Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		19,252	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]	14,906	14,355
Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,346	3,510
30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		6,952	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]	4,879	4,947
30 - 59 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,073	1,563
60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		2,520	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]	2,225	1,128
60 - 89 Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		295	84
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		9,780	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]	7,802	8,280
90+ Days Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,978	1,863
Current [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		5,051,604	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]	3,257,088	3,244,683
Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		1,794,516	1,740,331
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		280,261	273,515
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		259,563	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]	220,645	212,754
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		38,918	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		1,170	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]	1,170	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		827	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]	827	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		190	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]	190	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		153	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]	153	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		258,393	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]	219,475	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		38,918	39,501
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		20,698	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]	19,934	20,863
Commercial [Member] | Other [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		764	397
Commercial [Member] | Other [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		445	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]	131	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		8	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]	8	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		437	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]	123	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		20,253	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]	19,803	20,837
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		450	83
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,776,092	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		4,325,864	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]	2,746,180	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		1,579,684	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		14,696	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]	11,067	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		3,629	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		5,470	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]	3,638	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		1,832	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		1,910	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]	1,701	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		209	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		7,316	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]	5,728	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		1,588	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		4,311,168	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]	2,735,113	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		1,576,055	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		56,810	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]	43,501	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		13,309	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		446	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]	355	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		91	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		15	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]	15	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		85	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]	0	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		85	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		346	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]	340	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		56,364	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]	43,146	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		13,218	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		393,418	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]	231,275	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		162,143	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		2,315	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]	2,028	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		287	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		596	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]	379	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		217	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		310	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]	310	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		1,409	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]	1,339	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		70	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		391,103	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]	229,247	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		161,856	134,877
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		14,503	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]	10,459	12,057
Installment [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		4,044	4,829
Installment [Member] | Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		180	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]	155	119
Installment [Member] | Past Due [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		25	76
Installment [Member] | 30 - 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		36	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]	12	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		24	16
Installment [Member] | 60 - 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		25	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]	24	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		1	0
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		119	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]	119	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		14,323	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]	10,304	11,938
Installment [Member] | Current [Member] | Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Recorded past due loans		$ 4,019	$ 4,753
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance _9

Loan Portfolio and Allowance for Credit Losses, Non-accrual Loans, By Loan Class (Details) - USD ($) $ in Thousands		Sep. 30, 2024	Dec. 31, 2023
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 19,444	$ 17,663
Restructured real estate mortgages - 1 to 4 family		0	3
Total nonperforming loans		19,444	17,666
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	15,949	15,062
Restructured real estate mortgages - 1 to 4 family	[1]	0	3
Total nonperforming loans	[1]	15,949	15,065
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		3,495	2,601
Restructured real estate mortgages - 1 to 4 family		0	0
Total nonperforming loans		3,495	2,601
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Other estate owned		295	194
Non accrual residential mortgage loans in process of foreclosure		6,400	6,600
Commercial [Member]
Non accrual loans by loan class [Abstract]
Other estate owned		2,200
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		343	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]	343	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		437	314
Commercial [Member] | Other [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	123	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		14,884	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]	11,999	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		2,885	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		532	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]	437	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		95	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		3,080	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]	2,884	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		196	247
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		168	166
Installment [Member] | New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	[1]	163	151
Installment [Member] | Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans		$ 5	$ 15
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_10

Loan Portfolio and Allowance for Credit Losses, Amortized Cost Basis of Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Sep. 30, 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	$ 17,278	$ 16,244
Non-accrual	2,166	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	153	536
Non-accrual	190	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	437	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	13,438	12,584
Non-accrual	1,446	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	412	271
Non-accrual	120	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	2,710	2,395
Non-accrual	370	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	128	144
Non-accrual	40	22
Loans Past Due Over 89 Days Still Accruing	$ 0	$ 0

Loan Portfolio and Allowance_11

Loan Portfolio and Allowance for Credit Losses, Type of Collateral Dependent Loans by Portfolio Segment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Loans and Leases Receivable [Abstract]
Total loans, net	$ 5,070,856	$ 5,002,879
Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	25,055	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	280,261	273,515
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	259,563	252,255
Commercial [Member] | Commercial Real Estate [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	445	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	20,698	21,260
Commercial [Member] | Other [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	437	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	4,776,092	4,712,478
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	4,325,864	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	20,255	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	56,810	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	421	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	393,418	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	3,367	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	14,503	16,886
Installment [Member] | Real Estate [Member]
Loans and Leases Receivable [Abstract]
Total loans, net	130	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		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable Modifications Information [Abstract]
Loan modifications classifications from previously performing loans		$ 7,300	$ 8,500	$ 7,300	$ 8,500
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.01%	0.01%	0.01%	0.02%
New York and Other States [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0.01%	0.01%	0.02%	0.02%
Florida [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0%	0%	0.01%	0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0%	0.01%	0.01%	0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0%	0.01%	0.01%	0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable			0%	0.01%	0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.16%		0.16%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.67%		0.67%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0.03%	0%	0.06%	0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable	[1]	0.06%	0%	0.10%	0.02%
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
% of Total Class of Financing Receivable		0%		0%
Payment Delay [Member]
Financing Receivable Modifications [Abstract]
Loans modified		$ 302	$ 255	$ 685	$ 880
Payment Delay [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	213	255	512	540
Payment Delay [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		89	0	173	340
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	0	0
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0	0	0	0
Payment Delay [Member] | Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	0	0
Payment Delay [Member] | Commercial [Member] | Other [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	0	0
Payment Delay [Member] | Commercial [Member] | Other [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0	0	0	0
Payment Delay [Member] | Commercial [Member] | Other [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	0	0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Financing Receivable Modifications [Abstract]
Loans modified		80	255	354	830
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	80	255	270	490
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	84	340
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financing Receivable Modifications [Abstract]
Loans modified		89	0	89	0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0	0	0	0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		89	0	89	0
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financing Receivable Modifications [Abstract]
Loans modified		133	0	242	50
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	133	0	242	50
Payment Delay [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	0	0
Payment Delay [Member] | Installment [Member]
Financing Receivable Modifications [Abstract]
Loans modified		0	0	0	0
Payment Delay [Member] | Installment [Member] | New York and Other States [Member]
Financing Receivable Modifications [Abstract]
Loans modified	[1]	0	0	0	0
Payment Delay [Member] | Installment [Member] | Florida [Member]
Financing Receivable Modifications [Abstract]
Loans modified		$ 0	$ 0	$ 0	$ 0
[1]Includes New York, New Jersey, Vermont and Massachusetts.

Loan Portfolio and Allowance_13

Loan Portfolio and Allowance for Credit Losses, Performance of Loans Modified to Borrowers Experiencing Financial Difficulty (Details) - USD ($) $ in Thousands		Sep. 30, 2024	Sep. 30, 2023
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		$ 685	$ 880
New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	512	540
Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		173	340
30 - 59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	139
30 - 59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	0	139
30 - 59 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	0
60 - 89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
60 - 89 Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	0
90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
90+ Days Past Due [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	0
Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		685	741
Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	512	401
Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		173	340
Commercial [Member] | Commercial Real Estate [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
Commercial [Member] | Commercial Real Estate [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	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	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	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	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	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	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	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	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	0
Commercial [Member] | Commercial Real Estate [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	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	0
Commercial [Member] | Other [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
Commercial [Member] | Other [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	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	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	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	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	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	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	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	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	0
Commercial [Member] | Other [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
Commercial [Member] | Other [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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		354	830
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	270	490
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		84	340
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 - 59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	139
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 - 59 Days Past Due [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	0	139
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	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	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	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	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	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	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	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		354	691
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	270	351
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		84	340
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		89	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	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		89	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	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	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	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	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	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	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	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	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	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		89	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	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		89	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		242	50
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	242	50
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	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	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	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	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	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	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	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	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	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	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		242	50
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | Current [Member] | New York and Other States [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans	[1]	242	50
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	0
Installment [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
Installment [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	0
Installment [Member] | 30 - 59 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	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	0
Installment [Member] | 60 - 89 Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	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	0
Installment [Member] | 90+ Days Past Due [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	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	0
Installment [Member] | Current [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		0	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	0
Installment [Member] | Current [Member] | Florida [Member]
Performance of Loans Modified to Borrowers Experiencing Financial Difficulty [Abstract]
Performance of modified loans		$ 0	$ 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		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		43 months	18 months	54 months	62 months
New York and Other States [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	[1]	34 months	18 months	33 months	38 months
Florida [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		9 months	0 months	21 months	24 months
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		22 months	18 months	27 months	44 months
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | New York and Other States [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	[1]	22 months	18 months	15 months	20 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	24 months
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		9 months		9 months
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | Florida [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		9 months		9 months
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term		12 months		18 months	18 months
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | New York and Other States [Member]
Financial Effect of Modifications Made to Borrowers Experiencing Financial Difficulty [Abstract]
Weighted average term	[1]	12 months		18 months	18 months
[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		9 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Financing Receivable Modifications Information [Abstract]
Number of loans defaulted from loan modifications within last 12 months	$ 0	$ 0	$ 0	$ 0
Deferral period of past due loans			60 months
Number of days past due, when loans considered in payment default under modified terms			90 days
Contractual past due period for loans to be in payment default			30 days

Fair Value of Financial Instr_3

Fair Value of Financial Instruments, Assets and Liabilities Measured at Fair Value Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Dec. 31, 2023
Securities available for sale [Abstract]
Fair Value	$ 383,654	$ 452,289
Visa B-2 [Member]
Equity Securities [Abstract]
Investment, shares (in shares)	3,264	0
Investment, carrying value	$ 0
Visa C [Member]
Equity Securities [Abstract]
Investment, shares (in shares)		0
Investment, carrying value	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available for sale [Abstract]
Fair Value	0	$ 0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Visa C [Member]
Equity Securities [Abstract]
Investment, carrying value	0
Significant Other Observable Inputs (Level 2) [Member]
Securities available for sale [Abstract]
Fair Value	383,654	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	383,654	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	90,588	118,668
State and political subdivisions	26	26
Mortgage backed securities and collateralized mortgage obligations - residential	222,841	237,677
Corporate bonds	54,327	78,052
Small Business Administration - guaranteed participation securities	15,171	17,186
Other securities	701	680
Fair Value	383,654	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	90,588	118,668
State and political subdivisions	26	26
Mortgage backed securities and collateralized mortgage obligations - residential	222,841	237,677
Corporate bonds	54,327	78,052
Small Business Administration - guaranteed participation securities	15,171	17,186
Other securities	701	680
Fair Value	$ 383,654	$ 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	9 Months Ended	12 Months Ended
	Sep. 30, 2024 USD ($)	Sep. 30, 2024 USD ($)	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	us-gaap:MarketApproachValuationTechniqueMember
Other real estate owned, Measurement Input [Extensible List]	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember	us-gaap:MeasurementInputComparabilityAdjustmentMember
Impaired loans	$ 25,100	$ 25,100	$ 24,700
Valuation charge on other real estate owned	0	0	143
Collateral dependent impaired loans	0	0	0
Valuation allowance	0	0	0
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	0	0	0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 2,503	$ 2,503	$ 194
Nonrecurring [Member] | Minimum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0.01	0
Nonrecurring [Member] | Maximum [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned, unobservable inputs	0.01	0.01	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	0.01	0.20
Nonrecurring [Member] | Carrying Value [Member]
Assets measured at fair value on a non-recurring basis [Abstract]
Other real estate owned	$ 2,503	$ 2,503	$ 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	Sep. 30, 2024	Dec. 31, 2023
Financial assets [Abstract]
Cash and cash equivalents	$ 522,965	$ 578,004
Securities available for sale	383,654	452,289
Held to maturity securities	5,645	6,396
Net loans	4,594,539	4,422,027
Accrued interest receivable	14,500	13,683
Financial liabilities [Abstract]
Demand deposits	753,878	754,532
Interest bearing deposits	4,500,497	4,580,010
Short-term borrowings	91,450	88,990
Accrued interest payable	3,526	3,612
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	522,965	578,004
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	668	234
Financial liabilities [Abstract]
Demand deposits	753,878	754,532
Interest bearing deposits	2,557,678	2,760,221
Short-term borrowings	0	0
Accrued interest payable	201	256
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	383,654	452,289
Held to maturity securities	5,645	6,396
Net loans	0	0
Accrued interest receivable	1,453	1,920
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,942,819	1,819,789
Short-term borrowings	91,450	88,990
Accrued interest payable	3,325	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	4,594,539	4,422,027
Accrued interest receivable	12,379	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	522,965	578,004
Securities available for sale	383,654	452,289
Held to maturity securities	5,636	6,458
Federal Reserve Bank and Federal Home Loan Bank stock	6,507	6,203
Net loans	5,020,906	4,954,301
Accrued interest receivable	14,500	13,683
Financial liabilities [Abstract]
Demand deposits	753,878	754,532
Interest bearing deposits	4,510,313	4,596,245
Short-term borrowings	91,450	88,990
Accrued interest payable	$ 3,526	$ 3,612

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Loss, Accumulated Other Comprehensive (Loss) Income Balances, Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Accumulated Other Comprehensive (Loss) Income, Net of Tax [Roll Forward]
Balance	$ 655,168	$ 649,190	$ 645,285	$ 621,389	$ 614,703	$ 599,987	$ 645,285	$ 599,987
Other comprehensive (loss) income - before reclassifications	7,816			(5,212)			7,080	(4,066)
Amount reclassified from accumulated other comprehensive income (loss)	(148)			(82)			(443)	(246)
Other comprehensive income (loss), net of tax	7,668	495	(1,526)	(5,294)	(2,837)	3,819	6,637	(4,312)
Balance	669,021	655,168	649,190	623,926	621,389	614,703	669,021	623,926
Accumulated Other Comprehensive Income (Loss) [Member]
Accumulated Other Comprehensive (Loss) Income, Net of Tax [Roll Forward]
Balance	(14,268)	(14,763)	(13,237)	(26,212)	(23,375)	(27,194)	(13,237)	(27,194)
Other comprehensive income (loss), net of tax	7,668	495	(1,526)	(5,294)	(2,837)	3,819
Balance	(6,600)	(14,268)	(14,763)	(31,506)	(26,212)	(23,375)	(6,600)	(31,506)
Net Unrealized Holding (Loss) Gain on Securities Available for Sale, Net of Tax [Member]
Accumulated Other Comprehensive (Loss) Income, Net of Tax [Roll Forward]
Balance	(24,635)		(23,899)	(31,125)		(32,271)	(23,899)	(32,271)
Other comprehensive (loss) income - before reclassifications	7,816			(5,212)			7,080	(4,066)
Amount reclassified from accumulated other comprehensive income (loss)	0			0			0	0
Other comprehensive income (loss), net of tax	7,816			(5,212)			7,080	(4,066)
Balance	(16,819)	(24,635)		(36,337)	(31,125)		(16,819)	(36,337)
Net Change in Overfunded Position in Pension and Postretirement Plans Arising During the Year, Net of Tax [Member]
Accumulated Other Comprehensive (Loss) Income, Net of Tax [Roll Forward]
Balance	13,476		13,476	7,588		7,588	13,476	7,588
Other comprehensive (loss) income - before reclassifications	0			0			0	0
Amount reclassified from accumulated other comprehensive income (loss)	0			0			0	0
Other comprehensive income (loss), net of tax	0			0			0	0
Balance	13,476	13,476		7,588	7,588		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 (Loss) Income, Net of Tax [Roll Forward]
Balance	(3,109)		$ (2,814)	(2,675)		$ (2,511)	(2,814)	(2,511)
Other comprehensive (loss) income - before reclassifications	0			0			0	0
Amount reclassified from accumulated other comprehensive income (loss)	(148)			(82)			(443)	(246)
Other comprehensive income (loss), net of tax	(148)			(82)			(443)	(246)
Balance	$ (3,257)	$ (3,109)		$ (2,757)	$ (2,675)		$ (3,257)	$ (2,757)

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Loss, Reclassifications out of Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended						9 Months Ended
	Sep. 30, 2024	Jun. 30, 2024	Mar. 31, 2024	Sep. 30, 2023	Jun. 30, 2023	Mar. 31, 2023	Sep. 30, 2024	Sep. 30, 2023
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Salaries and employee benefits	$ 12,134			$ 12,393			$ 36,081	$ 38,798
Income tax benefit	4,027			4,555			11,748	15,915
Net of tax	12,875	$ 12,551	$ 12,126	14,680	$ 16,372	$ 17,746	37,552	48,798
Reclassification Out of Accumulated Other Comprehensive Loss [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Loss [Abstract]
Net of tax	148			82			443	246
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	(51)			(29)			(155)	(87)
Net of tax	148			82			443	246
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			115			608	343
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	$ (4)			$ (4)			$ (10)	$ (10)

Revenue from Contracts with C_3

Revenue from Contracts with Customers (Details) - USD ($) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2024	Sep. 30, 2023
Sources of non-interest income [Abstract]
Net gains on equity securities	[1]	$ 23	$ 0	$ 1,383	$ 0
Other	[1]	335	290	811	775
Total non-interest income		4,931	4,574	15,425	13,841
Overdraft Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		685	766	2,002	2,169
Other [Member]
Sources of non-interest income [Abstract]
Non-interest income		608	515	1,639	1,601
Interchange Income [Member]
Sources of non-interest income [Abstract]
Non-interest income		1,236	1,376	4,121	4,483
Wealth Management Fees [Member]
Sources of non-interest income [Abstract]
Non-interest income		$ 2,044	$ 1,627	$ 5,469	$ 4,813
[1]Not within the scope of ASC 606.

Operating Leases (Details)

Operating Leases (Details) $ in Thousands		3 Months Ended		9 Months Ended
		Sep. 30, 2024 USD ($) Property Lease	Sep. 30, 2023 USD ($)	Sep. 30, 2024 USD ($) Property Lease	Sep. 30, 2023 USD ($)	Dec. 31, 2023 USD ($)
Leases, operating [Abstract]
Number of lease for which construction not started | Lease		0		0
Other information related to leases [Abstract]
Operating lease cost		$ 2,054	$ 2,045	$ 6,187	$ 6,132
Variable lease cost		522	527	1,716	1,731
Total Lease costs		$ 2,576	$ 2,572	7,903	7,863
Cash paid for amounts included in the measurement of lease liabilities [Abstract]
Operating cash flows from operating leases				6,383	6,268
Right-of-use assets obtained in exchange for lease obligations:				$ 2,397	$ 1,653
Weighted average remaining lease term		8 years 3 months 18 days	8 years 7 months 6 days	8 years 3 months 18 days	8 years 7 months 6 days
Weighted average discount rate		3.19%	3.05%	3.19%	3.05%
Future minimum lease payments under non-cancellable leases [Abstract]
2024	[1]	$ 2,141		$ 2,141
2025		8,373		8,373
2026		7,385		7,385
2027		6,176		6,176
2028		4,988		4,988
Thereafter		18,355		18,355
Total lease payments		47,418		47,418
Less: Interest		5,949		5,949
Present value of lease liabilities		41,469		41,469		$ 44,471
Director [Member]
Future minimum lease payments under non-cancellable leases [Abstract]
Total lease payments		2,400		2,400
Less: Interest		$ 254		$ 254
Number of properties under lease owned by related party | Property		5		5
Minimum [Member]
Leases, operating [Abstract]
Operating lease expiration term		7 months		7 months
Maximum [Member]
Leases, operating [Abstract]
Operating lease expiration term		20 years		20 years
[1] Excluding the nine months ended September 30, 2024.

Regulatory Capital Requiremen_3

Regulatory Capital Requirements (Details) $ in Thousands		Sep. 30, 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		$ 649,481	$ 636,327
Common equity Tier 1 capital		649,481	636,327
Tier 1 risk-based capital		649,481	636,327
Total risk-based capital		$ 693,354	$ 679,924
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.10634	0.10428
Common equity Tier 1 capital, ratio		0.18546	0.1828
Tier 1 risk-based capital, ratio		0.18546	0.1828
Total risk-based capital, ratio		0.19799	0.19532
Leverage Ratios [Abstract]
Tier 1 leverage ratio, well capitalized	[1]	0.05	0.05
Tier 1 leverage ratio, minimum for capital adequacy	[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		$ 675,067	$ 657,968
Common equity Tier 1 capital		675,067	657,968
Tier 1 risk-based capital		675,067	657,968
Total risk-based capital		$ 718,952	$ 701,577
Risk Based Ratios [Abstract]
Tier 1 leverage ratio, ratio		0.11051	0.1078
Common equity Tier 1 capital, ratio		0.19272	0.18896
Tier 1 risk-based capital, ratio		0.19272	0.18896
Total risk-based capital, ratio		0.20525	0.20149
Leverage Ratios [Abstract]
Tier 1 leverage ratio, minimum for capital adequacy	[1],[2]	0.04	0.04
Common equity Tier 1 capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.07	0.07
Tier 1 risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.085	0.085
Total risk-based capital, minimum for capital adequacy plus capital conservation	[1],[2]	0.105	0.105
Common equity Tier 1 capital conservation buffer		0.025	0.025
Tier 1 risk based capital ratio, capital conservation buffer		0.025	0.025
Total risk based capital ratio, capital conservation buffer		0.025	0.025
[1]Federal regulatory minimum requirements to be considered to be Well Capitalized and Adequately Capitalized[2]The September 30, 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