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Northfield Bancorp, Inc. (Staten Island, NY)
(NASDAQ:NFBK) 

NFBK stock logo

Northfield Bancorp, Inc. (Staten Island, NY) operates as the bank holding company for Northfield Bank that provides various banking services primarily to individuals and corporate customers. It accepts various deposits products, including certificates of deposit, passbook, statement, and money marke...

Founded: 1887
Full Time Employees: 357
Sector: Financial Services
Industry: Banks-Regional
Regional Bank
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• Market Cap:
• Exchange:
• Shs Outstanding:
• Employees:
• Beta:
• Return on Equity (ROE) ttm:
• Return on Assets (ROA) ttm:
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At a glance:
Bull Thesis:
Bear Thesis:
Main Competitors:
Moat:
Income Statements:
Quarterly
Annual
    Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 
                               
      interest income:
    		                           
      loans
    		45,400,000 46,486,000 46,402,000 46,661,000 45,283,000 45,902,000 46,016,000 45,967,000 46,047,000 46,418,000 46,213,000 45,300,000 43,707,000 42,881,000 42,311,000 38,998,000 36,721,000 38,702,000 38,539,000 39,699,000 41,277,000 38,865,000 37,025,000 35,343,000 35,337,000 35,285,000 33,308,000 
      mortgage-backed securities
    		15,004,000 14,954,000 14,757,000 13,888,000 12,009,000 9,160,000 8,493,000 7,355,000 4,398,000 3,538,000 3,664,000 3,714,000 3,792,000 3,659,000 3,284,000 3,043,000 2,475,000 2,261,000 2,738,000 2,682,000 2,959,000 3,224,000 3,422,000 4,304,000 5,622,000 5,409,000 4,599,000 
      other securities
    		382,000 384,000 377,000 442,000 797,000 1,428,000 2,684,000 3,506,000 3,841,000 1,494,000 1,095,000 1,113,000 1,385,000 1,440,000 1,201,000 989,000 695,000 563,000 494,000 484,000 424,000 529,000 541,000 777,000 1,024,000 1,511,000 1,699,000 
      fhlb of new york dividends
    		788,000 832,000 706,000 728,000 862,000 885,000 914,000 935,000 970,000 988,000 933,000 727,000 465,000 386,000 283,000 260,000 245,000 255,000 318,000 336,000 370,000       
      deposits in other financial institutions
    		1,334,000 977,000 704,000 706,000 1,141,000 2,347,000 1,211,000 2,457,000 3,392,000 2,024,000 831,000 816,000 578,000 394,000 199,000 166,000 58,000 68,000 57,000 35,000 37,000 45,000 59,000 31,000 172,000 246,000 247,000 
      total interest income
    		62,908,000 63,633,000 62,946,000 62,425,000 60,092,000 59,722,000 59,318,000 60,220,000 58,648,000 54,462,000 52,736,000 51,670,000 49,927,000 48,760,000 47,278,000 43,456,000 40,194,000 41,849,000 42,146,000 43,236,000 45,067,000 43,045,000 41,457,000 40,911,000 42,732,000 42,847,000 40,193,000 
      interest expense:
    		                           
      deposits
    		17,880,000 18,388,000 19,021,000 20,285,000 21,191,000 22,031,000 20,304,000 20,664,000 19,273,000 16,835,000 13,614,000 10,483,000 7,821,000 5,675,000 2,121,000 1,334,000 1,159,000 1,246,000 1,420,000 1,671,000 1,870,000 2,835,000 5,643,000 7,473,000 9,279,000 10,516,000 10,549,000 
      borrowings
    		7,246,000 7,742,000 8,576,000 6,916,000 6,291,000 7,169,000 9,949,000 10,041,000 10,663,000 7,873,000 8,593,000 9,198,000 6,391,000 2,908,000 2,304,000 1,918,000 2,166,000 2,234,000 2,309,000 2,878,000 3,021,000 3,173,000 3,206,000 3,208,000 3,520,000 3,511,000 2,485,000 
      subordinated debt
    		819,000 836,000 837,000 828,000 819,000 837,000 836,000 828,000 828,000 836,000 837,000 828,000 819,000 836,000 842,000 119,000            
      total interest expense
    		25,945,000 26,966,000 28,434,000 28,029,000 28,301,000 30,037,000 31,089,000 31,533,000 30,764,000 25,544,000 23,044,000 20,509,000 15,031,000 9,419,000 5,267,000 3,371,000 3,325,000 3,480,000 3,729,000 4,549,000 4,891,000 6,008,000 8,849,000 10,681,000 12,799,000 14,027,000 13,034,000 
      net interest income
    		36,963,000 36,667,000 34,512,000 34,396,000 31,791,000 29,685,000 28,229,000 28,687,000 27,884,000 28,918,000 29,692,000 31,161,000 34,896,000 39,341,000 42,011,000 40,085,000 36,869,000 38,369,000 38,417,000 38,687,000 40,176,000 37,037,000 32,608,000 30,230,000 29,933,000 28,820,000 27,159,000 
      provision for credit losses
    		247,000 1,665,000 1,069,000 2,086,000 2,582,000 1,942,000 2,542,000 -618,000 415,000 271,000 188,000 30,000 864,000 1,227,000 2,703,000 149,000 403,000 39,000 -148,000         
      net interest income after provision for credit losses
    		36,716,000 35,002,000 33,443,000 32,310,000 29,209,000 27,743,000 25,687,000 29,305,000 27,469,000 28,647,000 29,504,000 31,131,000 34,032,000 38,114,000 39,308,000 39,936,000 36,466,000 38,330,000 38,565,000         
      non-interest income:
    		                           
      fees and service charges for customer services
    		1,709,000 1,773,000 1,792,000 1,685,000 1,620,000 1,634,000 1,611,000 1,570,000 1,615,000 1,473,000 1,317,000 1,309,000 1,380,000 1,499,000 1,500,000 1,375,000 1,331,000 1,500,000 1,370,000 1,327,000 1,197,000 1,172,000 1,009,000 666,000 1,120,000 1,286,000 1,207,000 
      income on bank-owned life insurance
    		1,891,000 1,831,000 1,863,000 1,736,000 1,639,000 1,277,000 999,000 976,000 964,000 952,000 920,000 889,000 870,000 866,000 861,000 848,000 839,000 1,536,000 862,000 857,000 848,000       
      losses on available-for-sale debt securities
    		-2,000     -1,500 -7,000                     
      losses on trading securities
    		-254,000                           
      other
    		68,000 891,000 267,000 97,000 62,000 623,000 265,000 73,000 103,000 204,000 80,000 95,000 569,000 74,000 78,000 105,000 81,000 111,000 101,000 15,000 130,000 366,000 311,000 343,000 117,000 28,000 50,000 
      total non-interest income
    		3,412,000 4,676,000 4,726,000 4,526,000 3,022,000 7,004,000 3,578,000 2,859,000 3,381,000 3,627,000 2,121,000 2,816,000 3,332,000 3,219,000 2,286,000 765,000 1,713,000 4,273,000 2,628,000 4,916,000 2,636,000 4,103,000 3,022,000 4,238,000 108,000 4,733,000 2,566,000 
      non-interest expense:
    		                           
      compensation and employee benefits
    		12,673,000 12,345,000 13,522,000 13,728,000 11,775,000 11,761,000 11,424,000 13,388,000 12,765,000 12,186,000 10,920,000 12,353,000 11,037,000 12,252,000 10,784,000 9,418,000 9,507,000 12,005,000 10,334,000 10,806,000 10,532,000 10,398,000 13,306,000 10,444,000 7,289,000 9,033,000 9,837,000 
      occupancy
    		3,354,000 3,133,000 3,081,000 3,328,000 3,533,000 3,253,000 3,030,000 3,222,000 3,553,000 3,227,000 3,416,000 3,244,000 3,372,000 3,200,000 3,347,000 3,286,000 3,408,000 3,330,000 3,425,000 3,500,000 3,701,000 5,534,000 3,540,000 3,018,000 3,060,000 3,084,000 3,120,000 
      furniture and equipment
    		376,000 397,000 403,000 411,000 414,000 436,000 450,000 477,000 484,000 475,000 479,000 460,000 454,000 440,000 438,000 426,000 426,000 427,000 431,000 442,000 437,000 412,000 425,000 349,000 333,000 280,000 265,000 
      data processing
    		2,352,000 2,279,000 2,439,000 2,402,000 2,122,000 1,921,000 1,780,000 2,177,000 2,147,000 1,830,000 1,994,000 2,071,000 2,243,000 2,093,000 1,847,000 1,762,000 1,713,000 1,816,000 1,538,000 1,798,000 1,632,000 1,993,000 3,058,000 1,612,000 1,460,000 1,517,000 1,437,000 
      professional fees
    		691,000 740,000 860,000 903,000 1,072,000 762,000 943,000 681,000 809,000 784,000 883,000 768,000 971,000 806,000 903,000 1,229,000 908,000 1,032,000 826,000 832,000 906,000 771,000 1,216,000 1,045,000 1,109,000 938,000 811,000 
      merger related expenses
    		1,709,000                           
      advertising
    		159,000 579,000 310,000 294,000 250,000 287,000 282,000 482,000 518,000 337,000 414,000 573,000 847,000 902,000 420,000 404,000 433,000 633,000 576,000 684,000 465,000 503,000 424,000 343,000 818,000 746,000 1,331,000 
      federal deposit insurance corporation insurance
    		606,000 445,750 548,000 618,000 617,000 465,750 626,000 649,000 588,000 440,750 591,000 568,000 604,000 267,000 356,000 355,000 357,000 264,250 336,000 346,000        
      credit (benefit)/loss expense for off-balance sheet exposures
    		-67,000                           
      total non-interest expense
    		23,259,000 62,076,000 23,382,000 22,970,000 21,435,000 20,822,000 20,378,000 22,993,000 22,332,000 20,980,000 20,567,000 20,775,000 21,128,000 21,656,000 17,870,000 18,713,000 18,709,000 20,690,000 19,035,000 19,871,000 19,563,000 21,187,000 23,788,000 17,855,000 15,682,000 16,869,000 18,750,000 
      income before income tax expense
    		16,869,000 -22,398,000 14,787,000 13,866,000 10,796,000 13,925,000 8,887,000 9,171,000 8,518,000 11,294,000 11,058,000 13,172,000 16,236,000 19,677,000 23,724,000 21,988,000 19,470,000 21,913,000 22,158,000 27,433,000 25,623,000 17,480,000 11,677,000 14,692,000 6,176,000 17,984,000 10,484,000 
      income tax expense
    		5,026,000 5,004,000 4,036,000 4,295,000 2,920,000 2,674,000 2,364,000 3,214,000 2,304,000 3,072,000 2,877,000 3,613,000 4,529,000 5,538,000 6,745,000 6,114,000 5,343,000 5,810,000 6,078,000 7,639,000 6,946,000 4,418,000 3,095,000 3,899,000 1,625,000 4,845,000 2,280,000 
      net income
    		11,843,000 -27,402,000 10,751,000 9,571,000 7,876,000 11,251,000 6,523,000 5,957,000 6,214,000 8,222,000 8,181,000 9,559,000 11,707,000 14,139,000 16,979,000 15,874,000 14,127,000 16,103,000 16,080,000 19,794,000 18,677,000 13,062,000 8,582,000 10,793,000 4,551,000 13,139,000 8,204,000 
      yoy
    		50.37% -343.55% 64.82% 60.67% 26.75% 36.84% -20.27% -37.68% -46.92% -41.85% -51.82% -39.78% -17.13% -12.20% 5.59% -19.80% -24.36% 23.28% 87.37% 83.40% 310.39% -0.59% 4.61%     
      qoq
    		-143.22% -354.88% 12.33% 21.52% -30.00% 72.48% 9.50% -4.14% -24.42% 0.50% -14.42% -18.35% -17.20% -16.73% 6.96% 12.37% -12.27% 0.14% -18.76% 5.98% 42.99% 52.20% -20.49% 137.16% -65.36% 60.15%  
      net income per common share:
    		                           
      basic
    		300 -680 270 240 190 270 160 140 150 190 190 220 260 310 370 340 300 340 330 400 380 260 170 230 100 280 180 
      diluted
    		300 -680 270 240 190 270 160 140 150 190 190 220 260 310 370 340 300 340 330 400 380 260 170 230 100 280 170 
      see accompanying notes to unaudited consolidated financial statements.
    		                           
      gains on trading securities
    		 181,000 804,000 1,008,000 -299,000 68,000 710,000 188,000 699,000 998,000 -295,000 506,000 512,000 585,000 -426,000 -1,563,000 -802,000 607,000 -75,000 807,000 364,000 1,204,000 763,000 1,626,000 -1,992,000 28,000 343,000 
      gain on sale of loans
    		     12,750  51,000  33,500 99,000 35,000                
      credit loss expense for off-balance sheet exposures
    		 41,500 116,000 -53,000 103,000 -55,000 151,000 103,000 83,000 -165,000 160,000 -661,000 111,000 199,000 -1,888,000             
      gains on available-for-sale debt securities
    		       1,000    -18,000 1,000 15,000   264,000 519,000 370,000 509,000 97,000 222,000 45,000 73,000 -13,000 123,000 59,000 
      gains on sales of loans
    		             68,250 273,000   350,250  1,401,000        
      (credit) provision for loan losses
    		                   -3,701,000 -2,374,000       
      net interest income after provision for loan losses
    		                   42,388,000 42,550,000 34,564,000 32,443,000     
      federal deposit insurance corporation ("fdic") insurance
    		                    375,000       
      federal home loan bank of new york dividends
    		                     360,750 410,000 456,000 577,000 396,000 340,000 
      provision (credit) for loan losses
    		                     2,567,250 165,000     
      income on bank owned life insurance
    		                     658,750 894,000 865,000 876,000 3,268,000 907,000 
      gains on sale of loans
    		                       665,000    
      fdic insurance
    		                     144,000 360,000 216,000  5,000 255,000 
      benefit from loan losses
    		                       1,921,000 8,183,000  491,000 
      net interest income after benefit from loan losses
    		                       28,309,000 21,750,000 30,120,000 26,668,000 
      (recovery) benefit from loan losses
    		                         -1,300,000  
    Balance Sheets:
    Quarterly
    Annual
      Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 2018-12-31 2018-06-30 2018-03-31 2017-09-30 2017-06-30 2017-03-31 2016-12-31 2016-03-31 2015-06-30 2015-03-31 2013-06-30 2012-12-31 
                                              
        assets:
      		                                        
        cash and due from banks
      		11,620,000 12,051,000 12,528,000 11,985,000 12,523,000 13,043,000 14,193,000 14,575,000 13,550,000 13,889,000 13,258,000 13,853,000 14,490,000  13,882,000 17,241,000 16,053,000 18,191,000 15,899,000 18,681,000 15,920,000  18,273,000 13,802,000 20,080,000 17,487,000 14,156,000 14,166,000 15,147,000 13,538,000 16,269,000 15,007,000 15,136,000 14,312,000 18,412,000 18,732,000 15,539,000 14,375,000 12,344,000 25,354,000 
        interest-bearing deposits in other financial institutions
      		227,987,000 151,900,000 119,197,000 85,652,000 89,139,000 154,701,000 218,733,000 138,914,000 225,231,000 215,617,000 67,298,000 75,274,000 144,462,000  56,783,000 92,991,000 119,461,000 72,877,000 157,795,000 174,503,000 111,650,000  332,566,000 97,098,000 94,619,000 52,165,000 32,751,000 71,659,000 62,615,000 45,195,000 36,305,000 88,234,000 35,163,000 36,994,000 77,673,000 95,921,000 60,246,000 78,706,000 13,009,000 103,407,000 
        total cash and cash equivalents
      		239,607,000 163,951,000 131,725,000 97,637,000 101,662,000 167,744,000 232,926,000 153,489,000 238,781,000 229,506,000 80,556,000 89,127,000 158,952,000  70,665,000 110,232,000 135,514,000 91,068,000 173,694,000 193,184,000 127,570,000  350,839,000 110,900,000 114,699,000 69,652,000 46,907,000 85,825,000 77,762,000 58,733,000 52,574,000 103,241,000 50,299,000 51,306,000 96,085,000 114,653,000 75,785,000 93,081,000 25,353,000 128,761,000 
        trading securities
      		13,831,000 15,215,000 14,968,000 14,052,000 13,003,000 13,884,000 13,759,000 12,939,000 12,726,000 12,549,000 11,504,000 11,731,000 11,129,000 10,751,000 10,074,000 10,401,000 12,156,000 13,461,000 12,761,000 12,743,000 12,142,000 12,291,000 10,993,000 10,094,000 8,388,000 10,375,000 10,214,000 9,759,000 8,968,000 10,167,000 9,822,000 9,225,000 8,808,000 8,396,000 7,857,000 7,113,000 6,799,000 6,748,000 5,268,000 4,677,000 
        debt securities available-for-sale, at estimated fair value
      		1,378,502,000 1,412,419,000 1,330,904,000 1,300,975,000 1,246,473,000 1,100,817,000 1,063,486,000 1,119,439,000 1,075,741,000 795,464,000 743,699,000 802,257,000 896,948,000 952,173,000 1,002,231,000 1,086,868,000 1,154,277,000 1,208,237,000 1,084,811,000 1,097,423,000 1,207,238,000 1,264,805,000 1,171,430,000 1,037,489,000 1,061,443,000 1,059,560,000 1,049,660,000 894,272,000 808,031,000 625,279,000 592,574,000          
        debt securities held-to-maturity, at amortized cost
      		8,278,000 8,339,000 8,396,000 8,454,000 8,883,000 9,303,000 9,681,000 9,749,000 9,810,000 9,866,000 10,114,000 10,316,000 10,378,000 10,760,000 4,572,000 5,201,000 5,243,000 5,283,000 5,811,000 6,417,000 6,913,000 7,234,000 8,106,000 8,648,000 8,706,000 8,817,000 8,872,000 9,448,000  9,819,000 9,873,000          
        equity securities
      		5,000,000 5,000,000 5,000,000 6,278,000 10,855,000 14,261,000 10,699,000 13,964,000 11,038,000 10,629,000 10,628,000 10,653,000 10,443,000 10,443,000 8,571,000 7,821,000 7,883,000 5,342,000 5,219,000 219,000 473,000 253,000 4,502,000 1,330,000 3,483,000 2,288,000 2,328,000 1,465,000 1,280,000 1,301,000 1,194,000          
        loans held-for-investment
      		3,807,957,000 3,856,773,000 3,900,346,000 3,920,613,000 3,991,529,000 4,022,224,000 4,059,106,000 4,091,220,000 4,162,472,000 4,203,654,000 4,229,974,000 4,274,042,000 4,241,931,000 4,243,693,000 4,246,181,000 4,111,857,000 3,898,581,000 3,806,617,000 3,816,959,000 3,817,273,000 3,933,015,000 3,823,238,000 3,731,617,000 3,589,359,000 3,509,137,000 3,355,148,000 3,338,778,000 3,255,860,000 3,245,170,000 3,220,126,000 3,146,534,000 3,131,887,000 3,047,915,000 3,034,285,000 2,968,084,000 2,732,884,000 2,203,634,000 2,004,639,000 1,332,776,000 1,242,982,000 
        less: allowance for credit losses
      		-37,034,000  -36,890,000 -36,120,000 -34,921,000  -35,197,000 -34,780,000 -37,039,000  -38,480,000 -41,154,000 -41,436,000  -41,883,000 -39,031,000 -39,274,000  -38,862,000                      
        net loans held-for-investment
      		3,770,923,000 3,818,629,000 3,863,456,000 3,884,493,000 3,956,608,000 3,987,041,000 4,023,909,000 4,056,440,000 4,125,433,000 4,166,119,000 4,191,494,000 4,232,888,000 4,200,495,000 4,201,076,000 4,204,298,000 4,072,826,000 3,859,307,000 3,767,644,000 3,778,097,000 3,777,780,000 3,889,818,000 3,785,631,000 3,692,901,000 3,550,839,000 3,472,337,000 3,327,082,000 3,310,946,000 3,228,374,000 3,217,673,000 3,193,244,000 3,120,362,000 3,105,788,000 3,022,310,000 3,009,001,000 2,943,489,000 2,708,506,000 2,178,118,000 1,978,741,000 1,305,956,000 1,216,558,000 
        accrued interest receivable
      		20,087,000 20,118,000 19,411,000 19,241,000 19,648,000 19,078,000 19,299,000 19,343,000 19,358,000 18,491,000 17,355,000 17,721,000 17,196,000  16,075,000 14,948,000 14,591,000 14,572,000 13,826,000 14,521,000 14,753,000  14,061,000 13,025,000 14,298,000 13,818,000 14,116,000 13,205,000 12,959,000 11,413,000 11,125,000 10,249,000 9,766,000 9,794,000 9,714,000 9,227,000 8,087,000 7,946,000 8,147,000 8,154,000 
        bank-owned life insurance
      		184,718,000 182,828,000 180,997,000 179,134,000 177,398,000 175,759,000 174,482,000 173,483,000 172,507,000 171,543,000 170,591,000 169,671,000 168,782,000 167,912,000 167,046,000 166,185,000 165,336,000 164,500,000 164,490,000 163,628,000 162,771,000                    
        federal home loan bank (“fhlb”) of new york stock, at cost
      		42,195,000 46,568,000 45,718,000 43,664,000 38,350,000 35,894,000 37,269,000 41,785,000 39,848,000 39,667,000 41,165,000 40,376,000 41,117,000  22,417,000 19,942,000 21,211,000  22,336,000 24,508,000 28,641,000                    
        operating lease right-of-use assets
      		24,588,000 25,789,000 24,959,000 26,157,000 27,345,000 27,771,000 28,943,000 29,305,000 30,076,000 30,202,000 31,407,000 32,010,000 33,120,000 34,288,000 35,446,000 36,595,000 32,813,000 33,943,000 35,063,000 34,574,000 35,662,000 36,741,000 43,600,000 40,366,000 41,473,000 41,228,000 42,377,000 43,500,000             
        premises and equipment
      		19,383,000 19,938,000 20,369,000 20,842,000 21,431,000 21,985,000 22,973,000 23,628,000 24,301,000 24,771,000 24,154,000 24,573,000 24,674,000  25,382,000 25,766,000 25,356,000 25,937,000 26,562,000 27,268,000 27,509,000  27,980,000 25,270,000 25,670,000 25,967,000 25,700,000 25,211,000 25,605,000 25,058,000 25,285,000 25,504,000 25,890,000 26,183,000 26,910,000 28,845,000 25,142,000 25,942,000 30,421,000 29,785,000 
        other assets
      		28,090,000 35,216,000 38,588,000 37,352,000 42,435,000 46,932,000 47,516,000 51,785,000 50,974,000 48,577,000 62,455,000 57,503,000 48,927,000  61,302,000 47,008,000 41,591,000 37,207,000 34,403,000 33,633,000 22,114,000  31,262,000 20,544,000 23,685,000 24,804,000 30,482,000 28,429,000 31,586,000 33,867,000 31,320,000 40,017,000 42,695,000 44,713,000 44,563,000 40,652,000 36,094,000 31,108,000 32,168,000 19,347,000 
        total assets
      		5,735,202,000 5,754,010,000 5,725,503,000 5,679,291,000 5,710,000,000 5,666,378,000 5,730,851,000 5,746,361,000 5,851,605,000 5,598,396,000 5,437,084,000 5,540,815,000 5,663,173,000 5,601,293,000 5,669,595,000 5,647,151,000 5,516,290,000 5,430,542,000 5,398,085,000 5,426,910,000 5,576,924,000 5,514,544,000 5,588,840,000 5,041,575,000 4,996,781,000 4,808,311,000 4,768,282,000 4,555,447,000 4,408,432,000 4,188,158,000 4,069,209,000 4,006,828,000 3,859,636,000 3,843,956,000 3,850,094,000 3,672,616,000 3,147,315,000 3,050,504,000 2,690,218,000 2,813,201,000 
        liabilities and stockholders’ equity:
      		                                        
        liabilities:
      		                                        
        deposits
      		4,088,617,000 4,015,809,000 3,973,760,000 3,986,187,000 4,131,956,000 4,138,477,000 3,875,569,000 3,798,474,000 3,921,323,000 3,878,435,000 3,668,513,000 3,764,403,000 3,847,497,000 4,150,219,000 4,404,159,000 4,418,002,000 4,302,866,000 4,169,334,000 4,141,380,000 4,108,269,000 4,135,716,000 4,076,551,000 4,121,164,000 3,621,658,000 3,485,546,000 3,337,309,000 3,300,191,000 3,375,205,000 3,286,512,000 2,967,281,000 2,905,076,000 2,735,402,000 2,678,473,000 2,676,270,000 2,713,587,000 2,543,765,000 1,980,099,000 1,778,249,000 1,533,951,000 1,956,860,000 
        fhlb advances and other borrowings
      		802,185,000 900,216,000 880,100,000 831,920,000 709,159,000 666,402,000 990,871,000 1,089,727,000 1,039,621,000 834,272,000 893,973,000 898,535,000 923,983,000  382,678,000 322,016,000 347,877,000 371,755,000 371,804,000 420,329,000 517,170,000                    
        subordinated debentures, net of issuance costs
      		61,721,000 61,665,000 61,610,000 61,554,000 61,498,000 61,442,000 61,386,000 61,331,000 61,275,000 61,219,000 61,163,000 61,108,000 61,052,000 60,996,000 60,940,000 60,917,000                         
        operating lease liabilities
      		28,348,000 29,643,000 28,919,000 30,286,000 31,630,000 32,209,000 33,529,000 34,035,000 34,942,000 35,205,000 36,535,000 37,274,000 38,509,000 39,790,000 41,051,000 42,298,000 38,610,000 39,851,000 41,090,000 40,721,000 42,067,000 42,734,000 48,090,000 44,781,000 45,932,000 45,196,000 46,321,000 47,414,000             
        advance payments by borrowers for taxes and insurance
      		25,630,000 20,276,000 23,165,000 25,287,000 29,270,000 24,057,000 22,492,000 26,113,000 30,202,000 25,102,000 25,968,000 29,117,000 30,847,000  26,137,000 29,458,000 30,032,000 24,909,000 23,496,000 24,203,000 24,027,000  17,329,000 19,882,000 22,444,000 18,751,000 20,817,000 20,723,000 18,007,000 18,009,000 18,206,000 14,265,000 15,293,000 15,309,000 12,331,000 12,966,000 9,696,000 10,149,000 5,673,000 3,488,000 
        accrued expenses and other liabilities
      		34,011,000 36,342,000 38,350,000 33,783,000 35,338,000 39,095,000 47,440,000 43,657,000 40,813,000 39,718,000 41,857,000 38,737,000 38,119,000  36,328,000 34,187,000 31,507,000 34,810,000 31,109,000 30,178,000 28,379,000  27,954,000 26,407,000 24,186,000 25,954,000 24,755,000 23,421,000 28,583,000 28,878,000 46,837,000 28,422,000 26,661,000 26,553,000 29,774,000 27,964,000 20,889,000 19,431,000 18,682,000 18,858,000 
        total liabilities
      		5,040,512,000 5,063,951,000 5,005,904,000 4,969,017,000 4,998,851,000 4,961,682,000 5,031,287,000 5,053,337,000 5,153,176,000 4,898,951,000 4,753,009,000 4,854,174,000 4,965,007,000 4,899,903,000 4,976,293,000 4,931,878,000 4,800,892,000 4,690,659,000 4,658,879,000 4,673,700,000 4,822,359,000 4,760,563,000 4,831,442,000 4,328,999,000 4,294,465,000 4,118,371,000 4,087,189,000 3,876,007,000 3,741,993,000 3,538,503,000 3,426,391,000 3,361,779,000 3,221,117,000 3,213,575,000 3,228,898,000 3,063,881,000 2,589,762,000 2,467,873,000 1,970,643,000 2,398,328,000 
        stockholders’ equity:
      		                                        
        preferred stock, 0.01 par value: 25,000,000 shares authorized, none issued or outstanding
      		                                        
        common stock
      		                            609,000      609,000      
        march 31, 2026 and december 31, 2025, 41,763,852 and 41,801,495 outstanding at march 31, 2026 and december 31, 2025, respectively
      		648,000                                        
        additional paid-in-capital
      		593,135,000 592,473,000 591,219,000 590,264,000 589,477,000 591,336,000 590,164,000 589,349,000 588,919,000 590,973,000 590,018,000 589,335,000 588,532,000  589,602,000 588,940,000 588,131,000 589,972,000 589,280,000 589,664,000 589,188,000  590,316,000 548,495,000 547,712,000 547,835,000 548,197,000 546,861,000 546,219,000 544,404,000 546,844,000 545,955,000 544,462,000 542,852,000 547,910,000 544,354,000 497,118,000 500,576,000 506,550,000 230,253,000 
        unallocated common stock held by employee stock ownership plan
      		-11,523,000 -11,728,000 -12,393,000 -12,612,000 -12,828,000 -13,042,000 -13,692,000 -13,909,000 -14,124,000 -14,340,000 -14,958,000 -15,192,000 -15,422,000  -16,344,000 -16,584,000 -16,822,000 -17,058,000 -17,792,000 -18,040,000 -18,286,000  -18,993,000 -19,244,000 -19,492,000 -20,236,000 -20,491,000 -20,743,000 -20,992,000 -21,737,000 -21,992,000 -22,695,000 -22,955,000 -23,212,000 -23,466,000 -24,406,000 -25,257,000 -25,519,000 -27,682,000 -13,965,000 
        retained earnings
      		426,966,000 420,404,000 453,014,000 447,524,000 443,249,000 440,760,000 435,459,000 434,310,000 433,878,000 433,227,000 430,535,000 427,921,000 424,148,000  410,134,000 399,131,000 389,387,000 381,361,000 371,408,000 361,638,000 348,236,000  330,602,000 327,606,000 321,981,000 317,592,000 309,594,000 306,588,000 302,544,000 292,900,000 286,942,000 286,574,000 282,134,000 277,406,000 268,226,000 256,655,000 251,903,000 250,693,000 238,707,000 249,892,000 
        accumulated other comprehensive loss
      		-6,571,000 -4,220,000 -5,611,000 -8,391,000 -12,168,000 -20,296,000 -18,316,000 -29,401,000 -31,699,000 -32,442,000 -47,983,000 -45,074,000 -42,285,000               -2,949,000 -9,147,000 -11,648,000 -9,915,000 -2,434,000 -2,447,000 -3,728,000 -4,332,000 1,345,000 -1,553,000 2,008,000   
        treasury stock
      		-307,965,000 -307,518,000 -307,278,000 -307,159,000 -297,229,000 -294,710,000 -294,699,000 -287,973,000 -279,193,000 -278,621,000 -274,185,000 -270,997,000 -257,455,000  -236,904,000 -225,596,000 -222,657,000 -217,103,000 -211,971,000 -191,155,000 -177,488,000  -159,582,000 -159,565,000 -159,187,000 -161,046,000 -160,976,000 -150,926,000 -152,794,000 -154,873,000 -159,670,000 -162,960,000 -163,284,000 -163,546,000 -167,751,000 -169,822,000 -165,240,000 -145,709,000  -70,007,000 
        total stockholders’ equity
      		694,690,000 690,059,000 719,599,000 710,274,000 711,149,000 704,696,000 699,564,000 693,024,000 698,429,000 699,445,000 684,075,000 686,641,000 698,166,000 701,390,000 693,302,000 715,273,000 715,398,000 739,883,000 739,206,000 753,210,000 754,565,000 753,981,000 757,398,000 712,576,000 702,316,000 689,940,000 681,093,000 679,440,000 666,439,000 649,655,000 642,818,000 645,049,000 638,519,000 630,381,000 621,196,000 608,735,000 557,553,000 582,631,000 719,575,000 414,873,000 
        total liabilities and stockholders’ equity
      		5,735,202,000 5,754,010,000 5,725,503,000 5,679,291,000 5,710,000,000 5,666,378,000 5,730,851,000 5,746,361,000 5,851,605,000 5,598,396,000 5,437,084,000 5,540,815,000 5,663,173,000  5,669,595,000 5,647,151,000 5,516,290,000 5,430,542,000 5,398,085,000 5,426,910,000 5,576,924,000  5,588,840,000 5,041,575,000 4,996,781,000 4,808,311,000 4,768,282,000 4,555,447,000 4,408,432,000 4,188,158,000 4,069,209,000 4,006,828,000 3,859,636,000 3,843,956,000 3,850,094,000 3,672,616,000 3,147,315,000 3,050,504,000 2,690,218,000 2,813,201,000 
        loans held-for-sale
      		    4,897,000 4,897,000 4,897,000    950,000 977,000   504,000 2,346,000      19,895,000          1,506,000 2,009,000    325,000  557,000 5,447,000 
        allowance for credit losses
      		 -38,144,000    -35,183,000    -37,535,000    -42,617,000    -38,973,000                       
        goodwill
      		  41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000  41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,012,000 41,320,000  41,594,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,411,000 38,381,000 16,159,000 16,159,000 16,159,000 16,159,000 
        preferred stock, 0.01 par value...
      		                                        
        common stock, 0.01 par value...
      		 648,000    648,000    648,000        648,000                       
        see accompanying notes to consolidated financial statements.
      		                                        
        september 30, 2025 and december 31, 2024, 41,810,525 and 42,903,598 outstanding at september 30, 2025 and december 31, 2024, respectively
      		  648,000                                      
        june 30, 2025 and december 31, 2024, 41,819,988 and 42,903,598 outstanding at june 30, 2025 and december 31, 2024, respectively
      		   648,000                                     
        march 31, 2025 and december 31, 2024, 42,676,274 and 42,903,598 outstanding at march 31, 2025 and december 31, 2024, respectively
      		    648,000                                    
        securities sold under agreements to repurchase
      		        25,000,000 25,000,000 25,000,000 25,000,000 25,000,000  25,000,000 25,000,000 50,000,000 50,000,000 50,000,000 50,000,000 75,000,000  75,000,000 75,000,000 75,000,000 75,000,000 75,000,000        8,000,000 12,000,000 94,000,000 94,000,000 226,000,000 226,000,000 
        september 30, 2024 and december 31, 2023, 42,904,342 and 44,524,929 outstanding at september 30, 2024 and december 31, 2023, respectively
      		      648,000                                  
        june 30, 2024 and december 31, 2023, 43,466,961 and 44,524,929 outstanding at june 30, 2024 and december 31, 2023, respectively
      		       648,000                                 
        march 31, 2024 and december 31, 2023, 44,462,652 and 44,524,929 outstanding at march 31, 2024 and december 31, 2023, respectively
      		        648,000                                
        september 30, 2023 and december 31, 2022, 44,956,118 and 47,442,488 outstanding at september 30, 2023 and december 31, 2022, respectively
      		          648,000                              
        june 30, 2023 and december 31, 2022, 45,243,673 and 47,442,488 outstanding at june 30, 2023 and december 31, 2022, respectively
      		           648,000                             
        march 31, 2023 and december 31, 2022, 46,530,167 and 47,442,488 outstanding at march 31, 2023 and december 31, 2022, respectively
      		            648,000                            
        selected financial condition data:
      		                                        
        cash and cash equivalents
      		             45,799,000        87,544,000                   
        fhlbny stock, at cost
      		             30,382,000        28,641,000                   
        other real estate owned
      		                             850,000 850,000 850,000 850,000 850,000 850,000 45,000 423,000 532,000 776,000 870,000 
        borrowed funds
      		             583,859,000        591,789,000      409,244,000  524,335,000 456,272,000 583,690,000 500,690,000 495,443,000       
        september 30, 2022 and december 31, 2021, 47,888,376 and 49,266,733 outstanding at september 30, 2022 and december 31, 2021, respectively
      		              648,000                          
        accumulated other comprehensive income
      		              -53,834,000 -31,266,000 -23,289,000 2,063,000 7,633,000 10,455,000 12,267,000  14,407,000 14,675,000 10,693,000 5,186,000 4,160,000            1,418,000 18,231,000 
        june 30, 2022 and december 31, 2021, 48,684,875 and 49,266,733 outstanding at june 30, 2022 and december 31, 2021, respectively
      		               648,000                         
        march 31, 2022 and december 31, 2021, 48,910,192 and 49,266,733 outstanding at march 31, 2022 and december 31, 2021, respectively
      		                648,000                        
        federal home loan bank ("fhlb") of new york stock, at cost
      		                 22,336,000                       
        september 30, 2021 and december 31, 2020, 49,555,686 and 52,209,897 outstanding at september 30, 2021 and december 31, 2020, respectively
      		                  648,000                      
        less: allowance for loan losses
      		                   -39,493,000 -43,197,000                    
        june 30, 2021 and december 31, 2020, 50,843,651 and 52,209,897 outstanding at june 30, 2021, and december 31, 2020, respectively
      		                   648,000                     
        march 31, 2021 and december 31, 2020, 51,668,197 and 52,209,897 outstanding at march 31, 2021, and december 31, 2020, respectively
      		                    648,000                    
        loans held-for-investment:
      		                                        
        pci loans
      		                     18,518,000                   
        loans acquired
      		                     465,718,000 497,640,000 360,895,000 393,491,000 478,009,000 519,885,000 509,116,000 546,150,000 650,875,000 696,695,000 745,063,000 719,248,000 760,698,000 793,240,000 730,764,000 378,493,000 258,586,000 92,197,000 101,433,000 
        originated loans
      		                     3,339,002,000                   
        allowance for loan losses
      		                     -37,607,000 -38,716,000 -38,520,000 -36,800,000 -28,066,000 -27,832,000 -27,486,000 -27,497,000 -26,882,000 -26,172,000 -26,099,000 -25,605,000 -25,284,000 -24,595,000 -24,378,000 -25,516,000 -25,898,000 -26,820,000 -26,424,000 
        bank owned life insurance
      		                     161,924,000 161,806,000 155,197,000 154,333,000 154,204,000 155,939,000 155,031,000 154,135,000 152,298,000 151,386,000 149,657,000 148,695,000 147,752,000 148,047,000 145,040,000 130,897,000 129,956,000 110,438,000 93,042,000 
        originated loans held-for-investment
      		                      3,215,509,000 3,213,689,000 3,098,760,000 2,859,704,000 2,800,816,000 2,727,852,000 2,678,877,000 2,547,920,000 2,427,755,000 2,360,864,000 2,300,632,000 2,243,870,000 2,144,346,000 1,964,473,000 1,787,363,000 1,704,098,000 1,172,388,000 1,066,200,000 
        purchased credit-impaired (“pci”) loans held-for-investment
      		                      18,468,000 14,775,000 16,886,000 17,435,000 18,077,000 18,892,000  21,331,000 22,084,000          
        federal home loan bank of new york stock, at cost
      		                      29,766,000 29,462,000 29,855,000 32,105,000 32,330,000 22,517,000  27,718,000 24,433,000 29,771,000 26,855,000 26,293,000  24,929,000 25,353,000 28,656,000 12,847,000 12,550,000 
        other borrowings
      		                      541,905,000 541,271,000 641,357,000 616,161,000 620,105,000  408,891,000      465,206,000    186,337,000 193,122,000 
        september 30, 2020 and december 31, 2019, 53,124,898 and 49,175,347 outstanding at september 30, 2020, and december 31, 2019, respectively
      		                      648,000                  
        june 30, 2020 and december 31, 2019, 49,263,377 and 49,175,347 outstanding at june 30, 2020, and december 31, 2019, respectively
      		                       609,000                 
        march 31, 2020 and december 31, 2019, 49,291,928 and 49,175,347 outstanding at march 31, 2020, and december 31, 2019, respectively
      		                        609,000                
        september 30, 2019 and december 31, 2018, 49,154,878 and 49,635,673 outstanding at september 30, 2019, and december 31, 2018, respectively
      		                         609,000               
        june 30, 2019 and december 31, 2018, 49,112,139 and 49,635,673 outstanding at june 30, 2019, and december 31, 2018, respectively
      		                          609,000              
        march 31, 2019 and december 31, 2018, 49,773,796 and 49,635,673 outstanding at march 31, 2019, and december 31, 2018, respectively
      		                           609,000             
        debt securities held-to-maturity
      		                            9,505,000            
        purchased credit-impaired (pci) loans held-for-investment
      		                            20,143,000   25,960,000 28,035,000 29,717,000 30,498,000 37,647,000 37,778,000 41,955,000 68,191,000 75,349,000 
        federal home loan bank (fhlb) of new york stock, at cost
      		                            22,517,000      25,123,000      
        june 30, 2018 and december 31, 2017, 49,481,589 and 48,803,885 outstanding at june 30, 2018, and december 31, 2017, respectively
      		                             609,000           
        march 31, 2018 and december 31, 2017, 49,126,879 and 48,803,885 outstanding at march 31, 2018, and december 31, 2017, respectively
      		                              609,000          
        securities available-for-sale, at estimated fair value
      		                                  498,897,000     1,275,631,000 
        securities held-to-maturity, at amortized cost
      		                               9,983,000 10,039,000 10,092,000  10,298,000  2,978,000  2,220,000 
        september 30, 2017 and december 31, 2016, 48,880,772 and 48,526,658 outstanding at september 30, 2017, and december 31, 2016, respectively
      		                               609,000         
        june 30, 2017 and december 31, 2016, 48,856,796 and 48,526,658 outstanding at june 30, 2017, and december 31, 2016, respectively
      		                                609,000        
        march 31, 2017 and december 31, 2016, 48,843,879 and 48,526,658 outstanding at march 31, 2017, and december 31, 2016, respectively
      		                                 609,000       
        securities held-to-maturity,
      		                                  10,148,000      
        federal home loan bank advances and other borrowings
      		                                   467,186,000 485,078,000 566,044,000   
        issued at march 31, 2016, and december 31, 2015, respectively, 48,362,056 and 45,565,540 outstanding at march 31, 2016, and december 31, 2015, respectively
      		                                   609,000     
        at june 30, 2015, and december 31, 2014, 45,937,659 and 48,402,083 outstanding at june 30, 2015, and december 31, 2014, respectively
      		                                    582,000    
        at march 31, 2015, and december 31, 2014, 47,232,879 and 48,402,083 outstanding at march 31, 2015, and december 31, 2014, respectively
      		                                     582,000   
        shares issued at june 30, 2013, and december 31, 2012, respectively, 58,212,604
      		                                        
        and 41,486,819 outstanding at june 30, 2013 and december 31, 2012, respectively
      		                                      582,000  
        december 31, 2012, and december 31, 2011, respectively, 41,486,819 and 40,518,591 outstanding at december 31, 2012 and 2011, respectively
      		                                       469,000 
      Cashflow Statements:
      Quarterly
      Annual
        Unit: USD2026-03-31 2025-12-31 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2022-03-31 2021-12-31 2021-09-30 2021-06-30 2021-03-31 2020-12-31 2020-09-30 2020-06-30 2020-03-31 2019-09-30 2019-06-30 2019-03-31 2018-06-30 2018-03-31 2017-09-30 2017-06-30 2017-03-31 2016-03-31 2015-06-30 2015-03-31 
                                            
          net income
        		11,843,000 -27,402,000 10,751,000 9,571,000 7,876,000 11,251,000 6,523,000 5,957,000 6,214,000 8,222,000 8,181,000 9,559,000 11,707,000 14,139,000 16,979,000 15,874,000 14,127,000 16,103,000 16,080,000 19,794,000 18,677,000 13,062,000 8,582,000 10,793,000 4,551,000 13,139,000 8,204,000 8,771,000 10,611,000 10,445,000 8,126,000 8,410,000 9,948,000 3,660,000 4,295,000 5,002,000 
          adjustments to reconcile net income to net cash from operating activities:
        		                                    
          provision for credit losses
        		247,000 1,665,000 1,069,000 2,086,000 2,582,000 1,942,000 2,542,000 -618,000 415,000 271,000 188,000 30,000 864,000                        
          esop and stock compensation expense
        		867,000 1,806,000 1,055,000 1,073,000 1,060,000 1,812,000 1,014,000 520,000 903,000 1,563,000 889,000 802,000 1,111,000 1,556,000 875,000 850,000 847,000 1,495,000 741,000 751,000 656,000 911,000 647,000 760,000 894,000 911,000 1,569,000 1,764,000 1,846,000 1,876,000 2,069,000 2,129,000 2,207,000 2,714,000 2,093,000 1,410,000 
          depreciation
        		743,000 776,000 800,000 809,000 812,000 841,000 875,000 914,000 921,000 913,000 933,000 923,000 909,000 890,000 898,000 911,000 946,000 970,000 974,000 973,000 972,000  991,000 817,000 795,000 774,000 771,000 771,000 761,000 768,000 788,000 823,000 838,000 885,000 861,000 870,000 
          amortization of premiums and deferred loan costs, net of accretion of discounts and deferred loan fees
        		791,000 354,000 1,162,000 1,155,000 1,263,000 1,680,000 1,089,000 257,000 -592,000 1,168,000 1,607,000 1,936,000 1,940,000                        
          amortization of debt issuance costs
        		56,000 55,000 56,000 56,000 56,000 56,000 55,000 56,000 56,000 56,000 55,000 56,000 56,000 56,000                       
          amortization of intangible assets
        		 12,000 11,000 12,000 12,000 21,000 21,000 21,000 22,000 31,000 31,000 31,000 31,000 44,000 37,000 40,000 53,000 50,000 49,000 51,000 50,000 64,000 55,000 55,000 55,000 65,000 67,000 69,000 82,000 84,000       
          amortization of operating lease right-of-use assets
        		1,201,000 1,203,000 1,198,000 1,188,000 1,179,000 1,174,000 1,156,000 1,142,000 1,188,000 1,205,000 1,185,000 1,173,000 1,168,000 1,158,000 1,137,000 1,201,000 1,130,000  1,107,000 1,088,000 1,079,000  1,499,000 1,107,000 1,059,000 1,149,000 1,139,000 1,057,000         
          income on bank-owned life insurance
        		-1,891,000 -1,831,000 -1,863,000 -1,736,000 -1,639,000 -1,277,000 -999,000 -976,000 -964,000 -952,000 -920,000 -889,000 -870,000 -866,000 -861,000 -848,000 -839,000 -1,536,000 -862,000 -857,000 -848,000                
          losses on available-for-sale debt securities
        		2,000     0 7,000   0 0                          
          losses on trading securities
        		254,000    299,000     -998,000 295,000 -506,000 -512,000                        
          net sales of trading securities
        		1,130,000  -112,000 -41,000 582,000   -25,000 522,000   -96,000 134,000 -92,000 -99,000 192,000 503,000  -93,000 206,000 513,000  -136,000 -80,000 842,000            
          decrease in accrued interest receivable
        		32,000        -867,000 -1,136,000   230,000      695,000   -629,000            488,000  69,000 
          decrease in other assets
        		6,836,000        -3,977,000    1,909,000    2,604,000     7,926,000      3,118,000 -2,127,000 3,410,000   422,000 158,000   
          decrease in accrued expenses and other liabilities
        		-2,331,000          3,120,000 618,000 -925,000    -3,303,000    -1,433,000  -5,426,000 2,221,000 -5,912,000  1,334,000 -5,162,000 1,649,000 -1,985,000 1,761,000 108,000 -3,221,000 -1,239,000   
          net cash from operating activities
        		19,780,000 16,227,000 13,921,000 14,124,000 9,426,000 5,996,000 13,961,000 6,911,000 4,237,000 14,286,000 11,665,000 3,268,000 17,751,000 24,970,000 17,977,000 20,786,000 19,598,000 21,356,000 18,415,000 4,790,000 20,198,000 25,132,000 3,297,000 14,836,000 11,949,000 17,857,000 6,431,000 9,629,000 12,436,000 13,602,000 14,331,000 10,300,000 9,795,000 5,735,000 4,293,000 10,137,000 
          capital expenditures
        		0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 
          free cash flows
        		19,780,000 16,227,000 13,921,000 14,124,000 9,426,000 5,996,000 13,961,000 6,911,000 4,237,000 14,286,000 11,665,000 3,268,000 17,751,000 24,970,000 17,977,000 20,786,000 19,598,000 21,356,000 18,415,000 4,790,000 20,198,000 25,132,000 3,297,000 14,836,000 11,949,000 17,857,000 6,431,000 9,629,000 12,436,000 13,602,000 14,331,000 10,300,000 9,795,000 5,735,000 4,293,000 10,137,000 
          cash flows from investing activities:
        		                                    
          net decrease in loans receivable
        		46,996,000 46,770,000 22,899,000 92,562,000 27,374,000 37,993,000 26,160,000 69,119,000 40,038,000 25,685,000   3,058,000                        
          purchases of fhlb of new york stock
        		-10,322,000  -15,161,000 -23,202,000 -11,315,000  -2,056,000 -3,888,000 -437,000  -8,944,000 -14,856,000 -21,198,000  -19,620,000    0                  
          redemptions of fhlb of new york stock
        		14,695,000  13,107,000 17,888,000 8,859,000  6,572,000 1,951,000 256,000  8,155,000 15,597,000 10,463,000  17,145,000 6,692,000 1,125,000  2,172,000                  
          purchases of debt securities available-for-sale
        		-147,662,000 -261,887,000 -125,925,000 -171,191,000 -300,647,000 -256,450,000 -147,281,000 -321,824,000 -459,710,000 -72,779,000    15,000 -4,000,000 -26,006,000 -138,982,000 -337,461,000 -195,745,000 -110,018,000 -103,743,000 -269,964,000 -170,326,000 -105,732,000 -26,320,000 -89,633,000 -216,828,000 -150,074,000 -94,983,000 -111,726,000       
          proceeds from sale of equity securities
        		 0 1,278,000 4,577,000 3,406,000              0   0 1,080,000              
          principal payments and maturities on debt securities available-for-sale
        		177,893,000 182,487,000 99,311,000 121,516,000 165,792,000 214,440,000 217,961,000 281,556,000 181,234,000 42,145,000 54,031,000 89,216,000 62,063,000 55,814,000 55,340,000 80,106,000 113,767,000 83,422,000 90,942,000 127,158,000 152,892,000 167,121,000 156,961,000 121,892,000 110,946,000 60,570,000 65,389,000 42,972,000 29,898,000 26,801,000       
          principal payments and maturities on debt securities held-to-maturity
        		61,000 57,000 57,000 440,000 443,000 385,000 68,000 62,000 56,000 247,000 198,000 62,000 370,000 46,000 598,000 39,000 37,000 503,000 588,000 482,000 306,000 835,000 521,000 54,000 52,000 51,000 554,000 53,000 49,000 54,000       
          purchases and improvements of premises and equipment
        		-188,000 -345,000 -327,000 -220,000 -258,000 -242,000 -220,000 -241,000 -451,000 -1,530,000 -514,000 -822,000 -739,000 -352,000 -514,000 -1,321,000 -365,000 -345,000 -268,000 -732,000 -293,000 -1,483,000 -353,000 -417,000 -806,000 -1,041,000 -1,260,000 -377,000 -534,000 -307,000 -402,000 -530,000 -111,000 -161,000 -61,000 -586,000 
          net cash from investing activities
        		81,473,000 -37,942,000 -8,203,000 24,138,000 -106,346,000 -5,817,000 102,940,000 23,809,000 -239,423,000 -4,735,000 92,092,000 56,276,000 50,236,000 41,175,000 -83,752,000 -161,814,000 -75,822,000 -121,949,000 6,219,000 230,024,000 -29,299,000 -205,177,000 99,233,000 -46,824,000 20,843,000 -19,991,000 -241,061,000 -89,596,000 -132,461,000 -71,179,000 -96,612,000 -15,059,000 -38,898,000 104,954,000 -114,115,000 -14,610,000 
          cash flows from financing activities:
        		                                    
          net increase in deposits
        		72,808,000    -6,521,000    42,888,000 209,922,000 -95,890,000 -83,094,000 -302,722,000 -253,940,000 -13,843,000 115,136,000 133,532,000 27,954,000 33,111,000 -27,447,000 59,165,000 -44,613,000 144,914,000 136,112,000 77,313,000 37,118,000 -75,014,000 88,693,000 62,205,000 68,097,000 56,929,000 2,203,000 -37,317,000 34,633,000 201,850,000 157,584,000 
          dividends paid
        		-5,281,000 -5,208,000 -5,261,000 -5,296,000 -5,387,000 -5,364,000 -5,374,000 -5,525,000 -5,563,000 -5,530,000 -5,567,000 -5,786,000 -5,912,000 -5,920,000 -5,976,000 -6,130,000 -6,101,000 -6,150,000 -6,310,000 -6,392,000 -5,447,000 -5,571,000 -5,586,000 -5,168,000 -5,151,000 -5,141,000 -5,198,000 -4,727,000 -4,653,000 -4,641,000 -3,686,000 -3,682,000 -3,666,000 -3,175,000 -3,066,000 -3,151,000 
          purchase of treasury stock
        		-447,000 -127,000 0 -10,000,000 -5,224,000 -1,000 -6,708,000 -8,655,000 -3,313,000 -4,426,000 -3,160,000 -13,311,000 -16,276,000 -8,608,000 -11,294,000 -2,742,000 -8,237,000 -6,348,000 -22,140,000 -14,703,000 -10,130,000 -10,298,000 0   -5,634,000        -990,000 -24,956,000 -17,462,000 
          increase in advance payments by borrowers for taxes and insurance
        		5,354,000   -3,983,000 5,213,000   -4,089,000 5,100,000 -866,000 -3,149,000 -1,730,000 4,852,000 -142,000 -3,321,000 -574,000 5,123,000 1,413,000 -707,000 176,000 4,350,000 2,348,000 -2,553,000 -2,562,000 2,399,000 -2,066,000 94,000 2,716,000 -197,000 3,408,000 -1,028,000 -16,000 2,978,000 2,104,000 -453,000 2,357,000 
          proceeds from borrowings and securities sold under agreements to repurchase
        		405,500,000  2,385,539,000 1,013,500,000 857,000,000  80,684,000                              
          repayments related to other borrowings and securities sold under agreements to repurchase
        		-503,531,000  -2,337,359,000 -890,739,000 -814,243,000                                
          net cash from financing activities
        		-25,597,000 53,941,000 28,370,000 -42,287,000 30,838,000 -65,361,000 -37,464,000 -116,012,000 244,461,000 139,399,000 -112,328,000 -129,369,000 45,166,000 -91,011,000 26,208,000 115,746,000 100,670,000 17,967,000 -44,124,000 -169,200,000 49,127,000 -83,250,000 137,409,000 28,189,000 -65,911,000 24,879,000 195,712,000 88,030,000 126,184,000 52,312,000 135,223,000 3,752,000 -15,676,000 -47,889,000 92,526,000 20,845,000 
          net increase in cash and cash equivalents
        		75,656,000 32,226,000   -66,082,000 -65,182,000 79,437,000 -85,292,000 9,275,000 148,950,000 -8,571,000 -69,825,000 113,153,000 -24,866,000 -39,567,000 -25,282,000 44,446,000 -82,626,000 -19,490,000 65,614,000 40,026,000    -33,119,000 22,745,000 -38,918,000 8,063,000   52,942,000 -1,007,000 -44,779,000 62,800,000  16,372,000 
          cash and cash equivalents at beginning of period
        		163,951,000  0 0 167,744,000  0 0 229,506,000  0 0 45,799,000  0 0 91,068,000  0 0 87,544,000 0 0 0 147,818,000 0 0 77,762,000 0 57,839,000 0 0 96,085,000 51,853,000 0 76,709,000 
          cash and cash equivalents at end of period
        		239,607,000  34,088,000 -4,025,000 101,662,000  79,437,000 -85,292,000 238,781,000  -8,571,000 -69,825,000 158,952,000  -39,567,000 -25,282,000 135,514,000  -19,490,000 65,614,000 127,570,000 -263,295,000 239,939,000 -3,799,000 114,699,000 22,745,000 -38,918,000 85,825,000 6,159,000 52,574,000 52,942,000 -1,007,000 51,306,000 114,653,000 -17,296,000 93,081,000 
          cash flows from operating activities:
        		                                    
          goodwill impairment
        		                                    
          loss on sale of premises and equipment and other real estate owned
        		                                    
          net gain on sale of loans held-for-sale
        		                  0 -1,362,000 -39,000  0              
          proceeds from loans held-for-sale
        		                                    
          origination of loans held-for-sale
        		     0 0   0 -9,000   -2,860,000         0              
          gains on trading securities
        		 -181,000 -804,000    -710,000 -188,000 -699,000         -607,000        -28,000           
          net sales (purchases) of trading securities
        		     -57,000                    -133,000 -112,000 295,000         
          increase in accrued interest receivable
        		 -707,000 -170,000 407,000 -570,000         -1,421,000   -19,000    -63,000     298,000 -911,000 -246,000 -288,000 -412,000 -483,000 28,000 -80,000    
          deferred tax provision
        		                                    
          increase in accrued expenses and other liabilities
        		 -2,008,000 4,567,000 -1,555,000 -3,757,000 -8,345,000 3,783,000 2,844,000 1,095,000     2,716,000 2,141,000   3,701,000 931,000                301,000 -395,000 
          purchase of loans
        		                            0 -37,593,000       
          purchase of fhlb of new york stock
        		                                    
          redemption of fhlb of new york stock
        		                                    
          purchases of equity securities
        		     -3,562,000 3,265,000 -2,926,000 -409,000 -1,000 25,000   -1,817,000 -719,000 31,000 -2,541,000 -89,000   -220,000 4,249,000 -4,252,000 118,000 -142,000 40,000 -871,000 -177,000         
          proceeds from sale of premises and equipment and other real estate owned
        		                                    
          exercise of stock options
        		         0 0 0 100,000 1,418,000 13,000 0 231,000 1,147,000 447,000 1,007,000 808,000 0 0 0 175,000 4,546,000 34,000 995,000 766,000 725,000 8,000 0 92,000  0 129,000 
          decrease in advance payments by borrowers for taxes and insurance
        		 -2,889,000                                   
          proceeds from securities sold under agreements to repurchase and other borrowings
        		             176,181,000 105,662,000 -861,000 1,122,000  -250,000 -116,000 381,000 -116,000 634,000 149,914,000 220,353,000 336,056,000 324,363,000 25,397,000 140,127,000 275,418,000 151,928,000 81,431,000 98,294,000 51,735,000 81,943,000 23,129,000 
          repayments related to securities sold under agreements to repurchase and other borrowings
        		     -761,180,000 -179,540,000 -49,894,000 -94,651,000 -59,701,000 -55,327,000 -100,448,000 -252,664,000 0 -45,000,000 -50,000,000 -25,000,000 -34,000 -48,275,000   -25,000,000 0 -250,000,000 -361,000,000 -340,000,000 -38,502,000 -25,000,000 -72,000,000 -290,635,000 -68,871,000 -76,129,000 -76,003,000 -132,843,000 -162,864,000 -141,700,000 
          cash and cash equivalents at beginning of year
        		                                    
          cash and cash equivalents at end of year
        		                                    
          net gain on sale of loans
        		      0    -99,000                          
          proceeds from sale of loans held-for-sale
        		      0    1,085,000        0 128,022,000 23,537,000  0              
          increase in other assets
        		    -329,000  -1,329,000   3,210,000 -5,174,000   4,276,000 -6,794,000   -3,561,000 -950,000     -2,302,000 -1,023,000            
          purchases of loans
        		  -3,442,000        0 0 -3,781,000  0                      
          net decrease in deposits
        		  -12,427,000    77,095,000                              
          gains on available-for-sale debt securities
        		            -1,000 -15,000 0 0 -264,000 -519,000 -370,000   -222,000 -45,000   -123,000           
          net decrease in cash and cash equivalents
        		                      239,939,000       -5,265,000       
          proceeds from sale of loans
        		                                    
          purchases of securities held-to-maturity
        		                                    
          proceeds from sale of debt securities available-for-sale
        		             15,000 0 0 41,464,000 120,975,000 112,519,000 89,530,000 5,942,000 6,507,000 4,498,000   19,996,000 5,279,000 29,163,000 10,100,000 19,508,000       
          proceeds from bank-owned life insurance
        		             0 0 0 1,526,000 0 0                  
          proceeds from issuance of subordinated debt, net of issuance costs
        		             0 -33,000                      
          loss on sale of other real estate owned
        		         0 0                          
          proceeds from sale of other real estate owned
        		         0 0   0 0                    113,000 279,000 
          proceeds from fhlb advances and other borrowings and securities sold under agreements to repurchase
        		        300,000,000  50,765,000 75,000,000 617,788,000                        
          net (purchases) sales of trading securities
        		         -47,000                           
          net increase in loans receivable
        		             4,143,000 -134,747,000 -208,392,000 -91,853,000 11,080,000 1,011,000 -9,826,000 -107,720,000 -161,732,000 38,229,000 -80,504,000 -72,609,000 -11,810,000 -41,984,000 -11,156,000   -25,228,000 -16,147,000 -66,192,000 -17,233,000 -72,559,000 -62,400,000 
          provision/(benefit) for credit losses
        		                                    
          losses (gains) on trading securities
        		             -585,000   802,000       -1,626,000 1,992,000            
          gain on sale of other real estate owned
        		             0 0                      
          deferred tax (benefit)/provision
        		                                    
          net cash acquired in business combinations
        		                                    
          benefit for credit losses
        		                403,000                    
          amortization of premiums and deferred loan costs, net of (accretion) discounts, and deferred loan fees
        		                                    
          amortization of premiums, and deferred loan costs, net of (accretion) discounts, and deferred loan fees
        		               2,307,000 2,608,000  186,000 57,000 564,000                
          (benefit)/benefit from credit losses
        		                                    
          amortization of premiums, and deferred loan costs, net of (accretion) of discounts, and deferred loan fees
        		                     623,000 1,550,000 835,000 1,065,000 1,084,000 1,173,000 861,000 607,000 616,000 557,000 494,000 500,000 526,000 466,000 462,000 
          amortization of mortgage servicing rights
        		                                    
          decrease (increase) in accrued interest receivable
        		                       1,273,000 311,000            
          deferred taxes
        		                                    
          repayments under capital lease obligations
        		                         0 0 -44,000 -64,000 -60,000 -57,000 -55,000 -54,000 -48,000 -45,000 -43,000 
          net cash acquired in business combination
        		                                 55,479,000   
          (credit) benefit from loan losses
        		                                    
          (gains) losses on trading securities
        		                   -807,000 -364,000                
          (recovery) benefit from loan losses
        		                    -2,374,000             -131,000   
          (gains) losses on available-for-sale debt securities
        		                    -97,000                
          decrease (increase) in other assets
        		                    2,905,000              -2,674,000 3,815,000 
          provision for loan losses
        		                                    
          depreciation expense
        		                                    
          income on bank owned life insurance
        		                     -1,139,000 -894,000 -865,000 -876,000 -3,267,000 -908,000 -896,000 -914,000 -954,000 -970,000 -1,010,000 -2,458,000 -989,000 -941,000 -941,000 
          proceeds from bank owned life insurance
        		                     0 0 2,714,000 2,000      785,000      
          provision (credit) for loan losses
        		                                    
          purchases of federal home loan bank of new york stock
        		                      0 -2,982,000 -7,515,000 -11,610,000 -13,166,000 -1,125,000 -20,508,000 6,463,000 -6,470,000 -4,770,000 -5,400,000    
          redemptions of federal home loan bank of new york stock
        		                      0 3,375,000 17,235,000 11,835,000 3,353,000 1,125,000 17,223,000 -5,850,000 3,554,000 4,208,000 4,230,000 1,350,000   
          benefit from loan losses
        		                       1,921,000 8,183,000  491,000 59,000 670,000 34,000     72,000 200,000 
          losses (gains) on available-for-sale debt securities
        		                        13,000            
          see accompanying notes to unaudited consolidated financial statements.
        		                                    
          accretion of operating lease liabilities
        		                         403,000 411,000 409,000         
          gains on securities transactions
        		                           -1,241,000 -312,000 -161,000 -337,000 -256,000 -408,000    
          losses (gains) on securities
        		                                    
          net purchases of trading securities
        		                            -149,000 -119,000 -80,000 -152,000 -131,000 -449,000 -101,000 -265,000 
          additional tax benefit on equity awards
        		                                 695,000 117,000 2,000 
          net decrease (increase) in loans receivable
        		                             31,471,000       
          amortization intangible assets
        		                              96,000 98,000 98,000 114,000 60,000 100,000 
          purchases of securities available-for-sale
        		                              -49,307,000 -17,742,000 -4,000    
          principal payments and maturities on securities available-for-sale
        		                              39,492,000 16,863,000 28,527,000 38,559,000 43,090,000 46,935,000 
          principal payments and maturities on securities held-to-maturity
        		                              51,000 49,000 52,000 44,000 204,000 599,000 
          proceeds from sale of securities available-for-sale
        		                              0   26,916,000   
          purchase of employee restricted shares to fund statutory tax withholding
        		                                    
          provision (recovery) for loan losses
        		                               511,000 372,000    
          excess tax benefit on equity awards
        		                               592,000 1,708,000    
          gain on sale of premises and equipment and other real estate owned
        		                                    
          (gains) losses on securities transactions
        		                                    
          gain on securities transactions
        		                                 -2,000  -61,000 
          supplemental cash flow information:
        		                                    
          cash paid during the period for:
        		                                    
          interest
        		                                 5,743,000  4,870,000 
          income taxes
        		                                 1,015,000   
          non-cash transactions:
        		                                    
          loans charged-off
        		                                 261,000   
          other real estate owned write-downs
        		                                   71,000 
          (gain) loss on sale of other real estate owned
        		                                  -5,000 -129,000 
          redemptions (purchases) of federal home loan bank of new york stock
        		                                  3,303,000 563,000 
          loans charged-off (recovered)
        		                                   594,000 
          purchases of bank owned life insurance
        		                                    
          death benefits received from bank owned life insurance
        		                                    
          net proceeds from sale of common stock
        		                                    
          merger of northfield bancorp, mhc
        		                                    
          purchase of common stock for esop
        		                                    
          transfers of loans to other real estate owned
        		                                    
          deposits utilized to purchase common stock
        		                                    
          adjustments to reconcile net income to net cash from operating activities
        		                                    
          net change in cash and cash equivalents
        		                                    
          cash and cash equivalents at the beginning of period
        		                                    
          cash and cash equivalents at the end of the period