Tompkins Financial (TMP) 10-Q 9 Nov 20 2020 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Sep. 30, 2020	Nov. 03, 2020
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity File Number	1-12709
Entity Registrant Name	Tompkins Financial Corp
Entity Incorporation, State or Country Code	NY
Entity Tax Identification Number	16-1482357
Entity Address, Address Line One	118 E. Seneca Street
Entity Address, Address Line Two	P.O. Box 460
Entity Address, City or Town	Ithaca
Entity Address, State or Province	NY
Entity Address, Postal Zip Code	14851
City Area Code	888
Local Phone Number	503-5753
Title of 12(b) Security	Common Stock, $0.10 par value
Trading Symbol	TMP
Security Exchange Name	NYSEAMER
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		14,931,133
Entity Central Index Key	0001005817
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2020

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest bearing balances due from banks	$ 22,065	$ 136,010
Interest bearing balances due from banks	352,674	1,972
Cash and Cash Equivalents	374,739	137,982
Available-for-sale debt securities, at fair value (amortized cost of $1,637,255 at September 30, 2020 and $1,293,239 at December 31, 2019)	1,666,766	1,298,587
Equity securities, at fair value (amortized cost $932 at September 30, 2020 and $915 at December 31, 2019)	932	915
Total loans and leases, net of unearned income and deferred costs and fees	5,398,297	4,917,550
Less: Allowance for credit losses	52,293	39,892
Net Loans and Leases	5,346,004	4,877,658
Federal Home Loan Bank and other stock	17,919	33,695
Bank premises and equipment, net	89,015	94,355
Corporate owned life insurance	84,165	82,961
Goodwill	92,447	92,447
Other intangible assets, net	5,211	6,223
Accrued interest and other assets	117,304	100,800
Total Assets	7,794,502	6,725,623
Interest bearing:
Checking, savings and money market	3,979,253	3,080,686
Time	706,401	675,014
Noninterest bearing	1,915,584	1,457,221
Total Deposits	6,601,238	5,212,921
Federal funds purchased and securities sold under agreements to repurchase	63,573	60,346
Other borrowings	285,000	658,100
Trust preferred debentures	17,163	17,035
Other liabilities	113,917	114,167
Total Liabilities	7,080,891	6,062,569
Tompkins Financial Corporation shareholders' equity:
Common Stock - par value $0.10 per share: Authorized 25,000,000 shares; Issued: 14,962,162 at September 30, 2020; and 15,014,499 at December 31, 2019	1,496	1,501
Additional paid-in capital	337,329	338,507
Retained earnings	402,498	370,477
Accumulated other comprehensive loss	(23,864)	(43,564)
Treasury stock, at cost – 121,868 shares at September 30, 2020, and 123,956 shares at December 31, 2019	(5,355)	(5,279)
Total Tompkins Financial Corporation Shareholders’ Equity	712,104	661,642
Noncontrolling interests	1,507	1,412
Total Equity	713,611	663,054
Total Liabilities and Equity	$ 7,794,502	$ 6,725,623

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Available-for-sale securities, at amortized cost	$ 1,637,255	$ 1,293,239
Equity securities, at amortized cost	$ 932	$ 915
Common stock, par value (in dollars per share)	$ 0.10	$ 0.10
Common stock, authorized (in shares)	25,000,000	25,000,000
Common stock, issued (in shares)	14,962,162	15,014,499
Treasury stock, shares (in shares)	121,868	123,956

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
INTEREST AND DIVIDEND INCOME
Loans	$ 57,892	$ 57,621	$ 169,639	$ 169,685
Due from banks	83	11	90	31
Available-for-sale debt securities	6,035	6,511	20,101	22,055
Held-to-maturity securities	0	862	0	2,583
Federal Home Loan Bank and other stock	306	770	1,130	2,442
Interest income	64,316	65,775	190,960	196,796
INTEREST EXPENSE
Time certificates of deposits of $250,000 or more	755	823	2,458	2,184
Other deposits	3,450	7,583	13,723	20,409
Federal funds purchased and securities sold under agreements to repurchase	19	34	76	110
Trust preferred debentures	216	317	758	974
Other borrowings	1,623	3,862	6,357	15,731
Total Interest Expense	6,063	12,619	23,372	39,408
Net Interest Income	58,253	53,156	167,588	157,388
Less: Provision for credit loss expense	199	1,320	16,145	2,366
Net Interest Income After Provision for Credit Loss Expense	58,054	51,836	151,443	155,022
NONINTEREST INCOME
Insurance commissions and fees	8,916	8,517	24,216	24,314
Investment services income	4,292	4,175	12,414	12,166
Service charges on deposit accounts	1,444	2,191	4,675	6,210
Card services income	2,419	2,550	6,885	8,090
Other income	1,818	1,963	6,388	6,247
Net (loss) gain on securities transactions	(2)	138	446	434
Total Noninterest Income	18,887	19,534	55,024	57,461
NONINTEREST EXPENSE
Salaries and wages	23,951	22,960	69,482	66,149
Other employee benefits	6,690	5,821	18,260	17,094
Net occupancy expense of premises	3,162	3,236	9,530	10,095
Furniture and fixture expense	1,886	1,919	5,759	5,894
Amortization of intangible assets	371	421	1,120	1,251
Other operating expense	10,289	11,298	34,826	35,451
Total Noninterest Expenses	46,349	45,655	138,977	135,934
Income Before Income Tax Expense	30,592	25,715	67,490	76,549
Income Tax Expense	6,330	5,478	13,779	15,816
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	24,262	20,237	53,711	60,733
Less: Net Income Attributable to Noncontrolling Interests	32	31	101	95
Net Income Attributable to Tompkins Financial Corporation	$ 24,230	$ 20,206	$ 53,610	$ 60,638
Basic Earnings Per Share (in dollars per share)	$ 1.63	$ 1.34	$ 3.60	$ 3.99
Diluted Earnings Per Share (in dollars per share)	$ 1.63	$ 1.34	$ 3.59	$ 3.97

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Comprehensive Income [Abstract]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	$ 24,262	$ 20,237	$ 53,711	$ 60,733
Available-for-sale debt securities:
Change in net unrealized gain/(loss) during the period	(3,303)	3,111	18,563	25,681
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	0	(101)	(324)	(305)
Employee benefit plans:
Amortization of net retirement plan actuarial loss	447	310	1,340	930
Amortization of net retirement plan prior service cost	40	3	121	8
Other comprehensive (loss) income	(2,816)	3,323	19,700	26,314
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	21,446	23,560	73,411	87,047
Less: Net income attributable to noncontrolling interests	(32)	(31)	(101)	(95)
Total comprehensive income attributable to Tompkins Financial Corporation	$ 21,414	$ 23,529	$ 73,310	$ 86,952

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
OPERATING ACTIVITIES
Net income attributable to Tompkins Financial Corporation	$ 53,610	$ 60,638
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit loss expense	16,145	2,366
Depreciation and amortization of premises, equipment, and software	7,654	7,495
Amortization of intangible assets	1,120	1,251
Earnings from corporate owned life insurance	(1,617)	(1,612)
Net amortization on securities	7,233	5,425
Amortization/accretion related to purchase accounting	(743)	(1,091)
Net gain on securities transactions	(446)	(434)
Net gain on sale of loans originated for sale	(1,245)	(139)
Proceeds from sale of loans originated for sale	36,568	11,532
Loans originated for sale	(38,484)	(9,961)
Net (gain) on sale of bank premises and equipment	(3)	(110)
Net excess tax benefit from stock based compensation	118	574
Stock-based compensation expense	3,372	3,009
Increase in accrued interest receivable	(18,919)	(488)
(Decrease) in accrued interest payable	(785)	(114)
Other, net	(2,262)	(4,132)
Net Cash Provided by Operating Activities	61,316	74,209
INVESTING ACTIVITIES
Proceeds from maturities, calls and principal paydowns of available-for-sale debt securities	405,886	232,792
Proceeds from sales of available-for-sale debt securities	42,333	176,249
Proceeds from maturities, calls and principal paydowns of held-to-maturity securities	0	9,205
Purchases of available-for-sale debt securities	(799,039)	(189,940)
Purchases of held-to-maturity securities	0	(7,589)
Net increase in loans	(478,455)	(28,395)
Proceeds from sale/redemptions of Federal Home Loan Bank stock	41,169	108,289
Purchases of Federal Home Loan Bank and other stock	(25,393)	(80,908)
Proceeds from sale of bank premises and equipment	4	449
Purchases of bank premises, equipment and software	(2,894)	(4,049)
Redemption of corporate owned life insurance	446	0
Net cash used in acquisition	0	(436)
Other, net	398	4,887
Net Cash (Used in) Provided by Investing Activities	(815,545)	220,554
FINANCING ACTIVITIES
Net increase in demand, money market, and savings deposits	1,356,930	416,882
Net increase in time deposits	31,856	64,831
Net increase (decrease) in Federal funds purchased and securities sold under agreements to repurchase	3,227	(31,301)
Increase in other borrowings	74,583	252,753
Repayment of other borrowings	(447,683)	(899,828)
Cash dividends	(23,296)	(22,869)
Repurchase of common stock	(5,620)	(26,992)
Shares issued for dividend reinvestment plan	1,529	0
Net shares issued related to restricted stock awards	(292)	(385)
Net proceeds from exercise of stock options	(248)	(816)
Net Cash Provided by (Used in) Financing Activities	990,986	(247,725)
Net Increase in Cash and Cash Equivalents	236,757	47,038
Cash and cash equivalents at beginning of period	137,982	80,389
Total Cash and Cash Equivalents at End of Period	374,739	127,427
Supplemental Information:
Cash paid during the year for  - Interest	24,626	40,204
Cash paid during the year for  - Taxes	16,243	11,241
Transfer of loans to other real estate owned	192	774
Initial recognition of operating lease right-of-use assets	0	35,783
Initial recognition of operating lease liabilities	0	38,119
Right-of-use assets obtained in exchange for new lease liabilities	$ 1,230	$ 28

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Impact of adopting ASC 326	Common Stock	Additional Paid-in Capital	Retained Earnings	Retained EarningsImpact of adopting ASC 326	Accumulated Other Comprehensive (Loss) Income	Treasury Stock	Non- controlling Interests
Balances at Beginning at Dec. 31, 2018	$ 620,871		$ 1,535	$ 366,595	$ 319,396		$ (63,165)	$ (4,902)	$ 1,412
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	60,733				60,638				95
Other comprehensive income (loss)	26,314						26,314
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	87,047
Cash dividends	(22,869)				(22,869)
Net exercise of stock options	(816)		1	(817)
Common stock repurchased and returned to unissued status (185,107 shares)	(26,992)		(34)	(26,958)
Stock-based compensation expense	3,009			3,009
Directors deferred compensation plan	0			209				(209)
Restricted stock activity	(385)		(1)	(384)
Balances at Ending at Sep. 30, 2019	659,865		1,501	341,654	357,165		(36,851)	(5,111)	1,507
Balances at Beginning at Jun. 30, 2019	657,677		1,520	355,284	344,513		(40,174)	(4,942)	1,476
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	20,237				20,206				31
Other comprehensive income (loss)	3,323						3,323
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	23,560
Cash dividends	(7,554)				(7,554)
Net exercise of stock options	(106)		0	(106)
Common stock repurchased and returned to unissued status (185,107 shares)	(14,708)		(18)	(14,690)
Stock-based compensation expense	997			997
Directors deferred compensation plan	0			169				(169)
Restricted stock activity	(1)		(1)	0
Balances at Ending at Sep. 30, 2019	659,865		1,501	341,654	357,165		(36,851)	(5,111)	1,507
Balances at Beginning at Dec. 31, 2019	$ 663,054	$ 1,707	1,501	338,507	370,477	$ 1,707	(43,564)	(5,279)	1,412
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	$ 53,711				53,610				101
Other comprehensive income (loss)	19,700						19,700
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	73,411
Cash dividends	(23,296)				(23,296)
Net exercise of stock options	248			248
Shares issued for dividend reinvestment plan	1,529		2	1,527
Common stock repurchased and returned to unissued status (185,107 shares)	(5,620)		(7)	(5,613)
Stock-based compensation expense	3,372			3,372
Directors deferred compensation plan	0			76				(76)
Restricted stock activity	(292)			(292)
Partial repurchase of noncontrolling interest	(6)								(6)
Balances at Ending at Sep. 30, 2020	713,611		1,496	337,329	402,498		(23,864)	(5,355)	1,507
Balances at Beginning at Jun. 30, 2020	698,029		1,495	335,268	386,025		(21,048)	(5,187)	1,476
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	24,262				24,230				32
Other comprehensive income (loss)	(2,816)						(2,816)
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	21,446
Cash dividends	(7,757)				(7,757)
Net exercise of stock options	(32)			(32)
Shares issued for dividend reinvestment plan	848		1	847
Stock-based compensation expense	1,078			1,078
Directors deferred compensation plan	0			168				(168)
Restricted stock activity	0
Partial repurchase of noncontrolling interest	(1)								(1)
Balances at Ending at Sep. 30, 2020	$ 713,611		$ 1,496	$ 337,329	$ 402,498		$ (23,864)	$ (5,355)	$ 1,507

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 0.52	$ 0.50	$ 1.56	$ 1
Net exercise of stock options (in shares)	417	2,902	3,605	15,201
Common stock repurchased and returned to unissued status (in shares)			71,288	340,200
Shares issued for dividend reinvestment plan (in shares)	12,723		24,752
Directors deferred compensation plan (in shares)	(2,776)	2,027	2,088	347
Restricted stock activity (in shares)	1,346	2,764	9,406	11,628

Business

Business	9 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Business	Business Tompkins Financial Corporation (“Tompkins” or the “Company”) is headquartered in Ithaca, New York and is registered as a Financial Holding Company with the Federal Reserve Board under the Bank Holding Company Act of 1956, as amended. The Company is a locally oriented, community-based financial services organization that offers a full array of products and services, including commercial and consumer banking, leasing, trust and investment management, financial planning and wealth management, and insurance services. At September 30, 2020, the Company’s subsidiaries included: four wholly-owned banking subsidiaries, Tompkins Trust Company (the “Trust Company”), The Bank of Castile (DBA Tompkins Bank of Castile), Mahopac Bank (DBA Tompkins Mahopac Bank), VIST Bank (DBA Tompkins VIST Bank); and a wholly-owned insurance agency subsidiary, Tompkins Insurance Agencies, Inc. (“Tompkins Insurance”). The Trust Company provides a full array of trust and investment services under the Tompkins Financial Advisors brand, including investment management, trust and estate, financial and tax planning as well as life, disability and long-term care insurance services. The Company’s principal offices are located at 118 E. Seneca Street, P.O. Box 460, Ithaca, New York, 14850, and its telephone number is (888) 503-5753. The Company’s common stock is traded on the NYSE American under the symbol “TMP.” As a registered financial holding company, the Company is regulated under the Bank Holding Company Act of 1956 (“BHC Act”), as amended and is subject to examination and comprehensive regulation by the Federal Reserve Board (“FRB”). The Company is also subject to the jurisdiction of the Securities and Exchange Commission (“SEC”) and is subject to disclosure and regulatory requirements under the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended. The Company is subject to the rules of the NYSE American for listed companies. The Company’s banking subsidiaries are subject to examination and comprehensive regulation by various regulatory authorities, including the Federal Deposit Insurance Corporation (“FDIC”), the New York State Department of Financial Services (“NYSDFS”), and the Pennsylvania Department of Banking and Securities (“PDBS”). Each of these agencies issues regulations and requires the filing of reports describing the activities and financial condition of the entities under its jurisdiction. Likewise, such agencies conduct examinations on a recurring basis to evaluate the safety and soundness of the institutions, and to test compliance with various regulatory requirements, including: consumer protection, privacy, fair lending, the Community Reinvestment Act, the Bank Secrecy Act, sales of non-deposit investments, electronic data processing, and trust department activities. The trust division of Tompkins Trust Company is subject to examination and comprehensive regulation by the FDIC and NYSDFS. The Company’s insurance subsidiary is subject to examination and regulation by the NYSDFS and the Pennsylvania Insurance Department.

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The unaudited consolidated financial statements included in this quarterly report do not include all of the information and footnotes required by U.S. Generally Accepted Accounting Principles ("GAAP") for a full year presentation and certain disclosures have been condensed or omitted in accordance with rules and regulations of the SEC. In the application of certain accounting policies, management is required to make assumptions regarding the effect of matters that are inherently uncertain. These estimates and assumptions affect the reported amounts of certain assets, liabilities, revenues, and expenses in the unaudited consolidated financial statements. Different amounts could be reported under different conditions, or if different assumptions were used in the application of these accounting policies. The accounting policies that management considers critical in this respect are the determination of the allowance for credit losses and the review of its securities portfolio for other than temporary impairment. In management’s opinion, the unaudited consolidated financial statements reflect all adjustments of a normal recurring nature. The results of operations for the interim periods are not necessarily indicative of the results of operations to be expected for the full year ended December 31, 2020. The unaudited consolidated financial statements should be read in conjunction with the audited consolidated financial statements and the notes thereto in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019. Effective January 1, 2020, the Company adopted Financial Accounting Standards Board (“FASB”) Accounting Standards Update (“ASU”) 2016-13, “Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments” (“ASU 2016-13”). ASU 2016-13 makes significant changes to the accounting for credit losses on financial instruments presented on an amortized cost basis and disclosures about them. These changes are discussed below, under "Impact of Adoption of ASU 2016-13". Other than the changes resulting from the adoption of ASU 2016-13, there have been no significant changes to the Company’s accounting policies from those presented in the 2019 Annual Report on Form 10-K. Refer to MD&A under "Recently Issued Accounting Standards" of this Report for a discussion of recently issued accounting guidelines. Cash and cash equivalents in the consolidated statements of cash flow include cash and noninterest bearing balances due from banks, interest-bearing balances due from banks, and money market funds. Management regularly evaluates the credit risk associated with the counterparties to these transactions and believes that the Company is not exposed to any significant credit risk on cash and cash equivalents. The Company has evaluated subsequent events for potential recognition and/or disclosure, and determined that no further disclosures were required. The consolidated financial information included herein combines the results of operations, the assets, liabilities, and shareholders’ equity of the Company and its subsidiaries. Amounts in the prior periods’ unaudited consolidated financial statements are reclassified when necessary to conform to the current periods’ presentation. All significant intercompany balances and transactions are eliminated in consolidation. Impact of Adoption of ASU 2016-13 Securities For available-for-sale debt securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Any impairment that is not credit-related is recognized in other comprehensive income, net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses (“ACL”) on the Statement of Condition, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the ACL and the adjustment to net income may be reversed if conditions change. However, if the Company intends to sell an impaired available- for-sale debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount must be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL in this situation. Changes in the allowance for credit losses are recorded as provision (credit) for credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available-for-sale debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on securities is excluded from the estimate of credit losses. Acquired Loans Acquired loans are recorded at fair value at the date of acquisition based on a discounted cash flow methodology that considers various factors including the type of loan and related collateral, classification status, fixed or variable interest rate, term of loan and whether or not the loan was amortizing, and a discount rate reflecting the Company’s assessment of risk inherent in the cash flow estimates. Certain larger purchased loans are individually evaluated while certain purchased loans are grouped together according to similar risk characteristics and are treated in the aggregate when applying various valuation techniques. These cash flow evaluations are inherently subjective as they require material estimates, all of which may be susceptible to significant change. Prior to January 1, 2020, loans acquired in a business combination that had evidence of deterioration of credit quality since origination and for which it was probable, at acquisition, that the Company would be unable to collect all contractually required payments receivable were considered purchased credit impaired (“PCI”) loans. PCI loans were individually evaluated and recorded at fair value at the date of acquisition with no initial valuation allowance based on a discounted cash flow methodology that considered various factors including the type of loan and related collateral, classification status, fixed or variable interest rate, term of loan and whether or not the loan was amortizing, and a discount rate reflecting the Company’ assessment of risk inherent in the cash flow estimates. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” was recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” were not recognized on the Statement of Condition and did not result in any yield adjustments, loss accruals or valuation allowances. Increases in expected cash flows, including prepayments, subsequent to the initial investment were recognized prospectively through adjustment of the yield on the loan over its remaining life. Decreases in expected cash flows were recognized as impairment. Valuation allowances on PCI loans reflected only losses incurred after the acquisition (meaning the present value of all cash flows expected at acquisition that ultimately were not to be received). Subsequent to January 1, 2020 in connection with the Company's adoption of ASU 2016-13, loans acquired in a business combination that have experienced more-than-insignificant deterioration in credit quality since origination are considered purchased credit deteriorated (“PCD”) loans. At the acquisition date, an estimate of expected credit losses is made for groups of PCD loans with similar risk characteristics and individual PCD loans without similar risk characteristics. This initial allowance for credit losses is allocated to individual PCD loans and added to the purchase price or acquisition date fair values to establish the initial amortized cost basis of the PCD loans. As the initial allowance for credit losses is added to the purchase price, there is no credit loss expense recognized upon acquisition of a PCD loan. Any difference between the unpaid principal balance of PCD loans and the amortized cost basis is considered to relate to noncredit factors and results in a discount or premium. Discounts and premiums are recognized through interest income on a level-yield method over the life of the loans. All loans considered to be PCI prior to January 1, 2020 were converted to PCD on that date. The subsequent measurement of expected credit losses for all acquired loans is the same as the subsequent measurement of expected credit losses for originated loans. Allowance for Credit Losses – Loans Under the current expected credit loss model, the ACL on loans is a valuation allowance estimated at each balance sheet date in accordance with U.S. GAAP that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. The Company estimates the ACL on loans based on the underlying assets’ amortized cost basis, which is the amount at which the financing receivable is originated or acquired, adjusted for applicable accretion or amortization of premium, discount, collection of cash, and charge-offs. In the event that collection of principal becomes uncertain, the Company has policies in place to reverse accrued interest in a timely manner. Therefore, the Company has made a policy election to exclude accrued interest from the measurement of ACL. Expected credit losses are reflected in the ACL through a charge to the provision for credit loss expense. When the Company deems all or a portion of a financial asset to be uncollectible, the appropriate amount is written off and the ACL is reduced by the same amount. In general, the principal balance of a loan is charged off in full or in part when management concludes, based on the available facts and circumstances, that collection of principal in full is not probable. Subsequent recoveries, if any, are credited to the ACL when received. The Company measures expected credit losses of financial assets at the loan level by segment, by pooling loans when the financial assets share similar risk characteristics. Depending on the nature of the pool of financial assets with similar risk characteristics, the Company uses a discounted cash flow (“DCF”) method to estimate the expected credit losses. Allowance on loans that do not share risk characteristics are evaluated on an individual basis. The Company assigns a credit risk rating to all commercial and commercial real estate loans. The Company reviews commercial and commercial real estate loans rated Substandard or worse, on nonaccrual and greater than $250,000 for loss potential and when deemed appropriate assigns an allowance based on an individual evaluation. The Company’s methodologies for estimating the ACL consider available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodologies apply historical loss information, adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions expected to exist through the contractual lives of the financial assets that are reasonable and supportable, to the identified pools of financial assets with similar risk characteristics for which the historical loss experience was observed. The Company’s methodologies revert back to average historical loss information on a straight line basis over eight quarters when it can no longer develop reasonable and supportable forecasts. The Company has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: commercial, commercial real estate, residential, home equity, consumer and leases. This segmentation was selected based on the differences in the risk profile of each of these categories and aligns well with regulatory reporting categories. This segmentation separates borrower type, collateral type and the nature of the loan. The differences in risk profiles of these segments enables the ACL to be more precise in its allocation due to the inherent risk in these specific portfolios. Discounted Cash Flow Method The Company uses the discounted cash flow method to estimate expected credit losses for the commercial, commercial real estate, residential, home equity, and consumer loan pools. For each of these loan segments, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, and time to recovery are based on historical internal data. The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loan pools utilizing the DCF method, management utilizes and forecasts one or both of the following economic factors; national unemployment and gross domestic product as loss drivers. For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over eight quarters on a straight-line basis. Management leverages economic projections from an independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics. The model considers a base case forecast and two alternative forecasts and assigns weightings to these three scenarios based on current conditions and expectations for future conditions. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level net present value of expected cash flows (“NPV”). An ACL is established for the difference between the instrument’s NPV and amortized cost basis. The model also considers the need to qualitatively adjust expected loss estimates for information not already captured in the loss estimation process. These qualitative factors include, but are not limited to, those suggested by the Interagency Policy Statement on Allowances for Credit Losses. These qualitative factor adjustments may increase or decrease the Company's estimate of expected credit losses. Due to the size and characteristics of the leasing portfolio, the remaining life method, using the historical loss rate of the commercial and industrial segment, is used to determine the allowance for credit losses. Individually Evaluated Financial Assets Loans that do not share common risk characteristics are evaluated on an individual basis. For collateral dependent financial assets where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral less cost to sell, and the amortized cost basis of the asset as of the measurement date. The ACL may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset. The Company’s estimate of the ACL reflects losses expected over the remaining contractual life of the assets. The contractual term does not consider extensions, renewals or modifications unless the Company has identified an expected troubled debt restructuring. Troubled Debt Restructuring A loan that has been modified or renewed is considered a troubled debt restructuring (“TDR”) when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) concessions are made for the borrower's benefit that would not otherwise be considered for a borrower or transaction with similar credit risk characteristics. The Company’s ACL reflects all effects of a TDR when an individual asset is specifically identified as a reasonably expected TDR. The Company has determined that a TDR is reasonably expected no later than the point when the lender concludes that modification is the best course of action and it is at least reasonably possible that the troubled borrower will accept some form of concession from the lender to avoid a default. Reasonably expected TDRs and executed non-performing TDRs are evaluated individually to determine the required ACL. TDRs performing in accordance with their modified contractual terms for a reasonable period of time may be included in the Company’s existing pools based on the underlying risk characteristics of the loan to measure the ACL. The provisions of the Coronavirus Aid, Relief and Economic Security Act ("CARES Act") and interagency guidance issued by Federal banking regulators provided guidance and clarification related to modifications and deferral programs to assist borrowers who are negatively impacted by the COVID-19 national emergency. The guidance and clarifications detail certain provisions whereby banks are permitted to make deferrals and modifications to the terms of a loan which would not require the loan to be reported as a troubled debt restructuring ('TDR"). In accordance with the CARES Act and the interagency guidance, the Company elected to adopt the provisions to not report qualified loan modifications as troubled debt restructurings. Loan Commitments and Allowance for Credit Losses on Off-Balance Sheet Credit Exposures Financial instruments include off-balance sheet credit instruments, such as commitments to make loans, unused lines of credit and commercial letters of credit, issued to meet customer financing needs. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancellable, through a charge to the provision for credit loss expense for off-balance sheet credit exposures included in other noninterest expense in the Company’s consolidated statements of income. The ACL on off-balance sheet credit exposures is estimated by loan segment at each balance sheet date under the current expected credit loss model using similar methodologies as portfolio loans, taking into consideration the likelihood that funding will occur, and is included in other liabilities on the Company’s statements of condition.

Securities

Securities	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Securities	Securities Available-for-Sale Debt Securities The following table summarizes available-for-sale debt securities held by the Company at September 30, 2020: Available-for-Sale Debt Securities September 30, 2020 Amortized Gross Gross Fair Value (In thousands) Obligations of U.S. Government sponsored entities 602,417 10,881 817 612,481 Obligations of U.S. states and political subdivisions 126,593 2,840 175 129,258 Mortgage-backed securities – residential, issued by U.S. Government agencies 205,507 2,981 987 207,501 U.S. Government sponsored entities 700,238 15,785 863 715,160 U.S. corporate debt securities 2,500 0 134 2,366 Total available-for-sale debt securities $ 1,637,255 $ 32,487 $ 2,976 $ 1,666,766 The following table summarizes available-for-sale debt securities held by the Company at December 31, 2019: Available-for-Sale Debt Securities December 31, 2019 Amortized Gross Gross Fair Value (In thousands) U.S. Treasuries $ 1,840 $ 0 $ 0 $ 1,840 Obligations of U.S. Government sponsored entities 367,551 5,021 84 372,488 Obligations of U.S. states and political subdivisions 96,668 1,178 61 97,785 Mortgage-backed securities – residential, issued by U.S. Government agencies 164,643 1,327 1,519 164,451 U.S. Government sponsored entities 660,037 2,940 3,387 659,590 U.S. corporate debt securities 2,500 0 67 2,433 Total available-for-sale debt securities $ 1,293,239 $ 10,466 $ 5,118 $ 1,298,587 The available-for-sale portfolio also includes callable securities that may be called by the issuer prior to maturity. The Company may from time to time sell debt securities from its available-for-sale portfolio. Realized gains on available-for-sale debt securities were $0 and $429,000 for the three and nine months ended September 30, 2020 and $133,000 and $999,000 for the three and nine months ended September 30, 2019. Realized losses on available-for-sale debt securities were $0 for the three and nine months ended September 30, 2020 and $0 and $595,000 for the three and nine months ended September 30, 2019. Proceeds from the sale of available-for-sale debt securities were $0 and $42.3 million for the three and nine months ended September 30, 2020, and $24.2 million and $176.2 million for the three and nine months ended September 30, 2019. Sales of available-for-sale investment securities were the result of general investment portfolio and interest rate risk management. The Company also recognized net losses of $2,000 and net gains of $17,000 for the three and nine months ended September 30, 2020, on equity securities, reflecting the change in fair value. The following table summarizes available-for-sale debt securities that had unrealized losses at September 30, 2020. Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. Government sponsored entities $ 303,834 $ 817 $ 0 $ 0 $ 303,834 $ 817 Obligations of U.S. states and political subdivisions 15,328 175 0 0 15,328 175 Mortgage-backed securities – residential, issued by U.S. Government agencies 46,990 736 2,978 251 49,968 987 U.S. Government sponsored entities 111,120 794 5,512 69 116,632 863 U.S. corporate debt securities 0 0 2,366 134 2,366 134 Total available-for-sale debt securities $ 477,272 $ 2,522 $ 10,856 $ 454 $ 488,128 $ 2,976 The following table summarizes available-for-sale debt securities that had unrealized losses at December 31, 2019. Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. Government sponsored entities $ 18,654 $ 76 $ 3,479 $ 8 $ 22,133 $ 84 Obligations of U.S. states and political subdivisions 10,456 54 2,300 7 12,756 61 Mortgage-backed securities – residential, issued by U.S. Government agencies 54,846 489 45,999 1,030 100,845 1,519 U.S. Government sponsored entities 157,801 752 233,999 2,635 391,800 3,387 U.S. corporate debt securities 0 0 2,433 67 2,433 67 Total available-for-sale debt securities $ 241,757 $ 1,371 $ 288,210 $ 3,747 $ 529,967 $ 5,118 The Company evaluates available-for-sale debt securities for expected credit losses (“ECL”) in unrealized loss positions at each measurement date to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Factors that may be indicative of ECL include, but are not limited to, the following: • Extent to which the fair value is less than the amortized cost basis. • Adverse conditions specifically related to the security, an industry, or geographic area (changes in technology, business practice). • Payment structure of the debt security with respect to underlying issuer or obligor. • Failure of the issuer to make scheduled payment of principal and/or interest. • Changes to the rating of a security or issuer by a nationally recognized statistical rating organization. • Changes in tax or regulatory guidelines that impact a security or underlying issuer. For available for sale debt securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (technical impairment) is the result of changes in interest rates or reflects a fundamental change in the credit worthiness of the underlying issuer. Any impairment that is not credit related is recognized in other comprehensive income, net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses (“ACL”) on the balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the ACL and the adjustment to net income may be reversed if conditions change. The gross unrealized losses reported for residential mortgage-backed securities relate to investment securities issued by U.S. government sponsored entities such as Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, and U.S. government agencies such as Government National Mortgage Association. The total gross unrealized losses, shown in the tables above, were primarily attributable to changes in interest rates and levels of market liquidity, relative to when the investment securities were purchased, and not due to the credit-related quality of the investment securities. In addition, the Company maintains the ability and intent to hold these positions until the recovery of unrealized losses and does not believe that the Company would be required to sell any securities currently in an unrealized loss position. The amortized cost and estimated fair value of debt securities by contractual maturity are shown in the following table. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities are shown separately since they are not due at a single maturity date. September 30, 2020 (In thousands) Amortized Cost Fair Value Available-for-sale debt securities: Due in one year or less $ 53,447 $ 54,083 Due after one year through five years 391,466 401,757 Due after five years through ten years 221,525 222,846 Due after ten years 65,072 65,419 Total 731,510 744,105 Mortgage-backed securities 905,745 922,661 Total available-for-sale debt securities $ 1,637,255 $ 1,666,766 December 31, 2019 (In thousands) Amortized Cost Fair Value Available-for-sale debt securities: Due in one year or less $ 107,975 $ 108,089 Due after one year through five years 270,477 274,798 Due after five years through ten years 77,710 79,165 Due after ten years 12,397 12,494 Total 468,559 474,546 Mortgage-backed securities 824,680 824,041 Total available-for-sale debt securities $ 1,293,239 $ 1,298,587 The Company also holds non-marketable Federal Home Loan Bank New York (“FHLBNY”) stock, non-marketable Federal Home Loan Bank Pittsburgh (“FHLBPITT”) stock and non-marketable Atlantic Community Bankers Bank ("ACBB") stock, all of which are required to be held for regulatory purposes and for borrowing availability. The required investment in FHLB stock is tied to the Company’s borrowing levels with the FHLB. Holdings of FHLBNY stock, FHLBPITT stock, and ACBB stock totaled $11.9 million, $5.9 million and $95,000 at September 30, 2020, respectively. These securities are carried at par, which is also cost. The FHLBNY and FHLBPITT continue to pay dividends and repurchase stock. Quarterly, we evaluate our investment in the FHLB for impairment. We evaluate recent and long-term operating performance, liquidity, funding and capital positions, stock repurchase history, dividend history and impact of legislative and regulatory changes. Based on our most recent evaluation, as of September 30, 2020, we have determined that no impairment write-downs are currently required.

Loans and Leases

Loans and Leases	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Loans and Leases	Loans and Leases Loans and leases at September 30, 2020 and December 31, 2019 were as follows: (In thousands) 9/30/2020 12/31/2019 Commercial and industrial Agriculture $ 89,068 $ 105,786 Commercial and industrial other 790,749 902,275 PPP loans* 464,058 0 Subtotal commercial and industrial 1,343,875 1,008,061 Commercial real estate Construction 182,605 213,637 Agriculture 198,049 184,898 Commercial real estate other 2,161,954 2,045,030 Subtotal commercial real estate 2,542,608 2,443,565 Residential real estate Home equity 206,456 219,245 Mortgages 1,228,629 1,158,592 Subtotal residential real estate 1,435,085 1,377,837 Consumer and other Indirect 9,534 12,964 Consumer and other 64,346 61,446 Subtotal consumer and other 73,880 74,410 Leases 14,877 17,322 Total loans and leases 5,410,325 4,921,195 Less: unearned income and deferred costs and fees (12,028) (3,645) Total loans and leases, net of unearned income and deferred costs and fees $ 5,398,297 $ 4,917,550 *Paycheck Protection Program ("PPP") The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 3 – “Loans and Leases” in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2019. There have been no significant changes in these policies and guidelines since the date of that report. As such, these policies are reflective of new originations as well as those balances held at September 30, 2020. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting systems to monitor loan origination, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Generally loans are placed on nonaccrual status if principal or interest payments become 90 days or more past due and/or management deems the collectability of the principal and/or interest to be in question as well as when required by regulatory agencies. When interest accrual is discontinued, all unpaid accrued interest is reversed. Payments received on loans on nonaccrual are generally applied to reduce the principal balance of the loan. Loans are generally returned to accrual status when all the principal and interest amounts contractually due are brought current, the borrower has established a payment history, and future payments are reasonably assured. When management determines that the collection of principal in full is not probable, management will charge-off a partial amount or full amount of the loan balance. Management considers specific facts and circumstances relative to each individual credit in making such a determination. For residential and consumer loans, management uses specific regulatory guidance and thresholds for determining charge-offs. The below table is an age analysis of past due loans, segregated by class of loans, as of September 30, 2020 and December 31, 2019. September 30, 2020 (In thousands) 30-59 Days 60-89 Days 90 Days or More Total Past Due Current Loans Total Loans Loans and Leases Commercial and industrial Agriculture $ 0 $ 0 $ 0 $ 0 $ 89,068 $ 89,068 Commercial and industrial other 923 96 1,443 2,462 788,287 790,749 PPP loans* 0 0 0 0 464,058 464,058 Subtotal commercial and industrial 923 96 1,443 2,462 1,341,413 1,343,875 Commercial real estate Construction 0 0 0 0 182,605 182,605 Agriculture 0 0 0 0 198,049 198,049 Commercial real estate other 2,255 1,079 12,477 15,811 2,146,143 2,161,954 Subtotal commercial real estate 2,255 1,079 12,477 15,811 2,526,797 2,542,608 Residential real estate Home equity 475 135 1,079 1,689 204,767 206,456 Mortgages 482 1,183 2,649 4,314 1,224,315 1,228,629 Subtotal residential real estate 957 1,318 3,728 6,003 1,429,082 1,435,085 Consumer and other Indirect 86 32 57 175 9,359 9,534 Consumer and other 119 10 154 283 64,063 64,346 Subtotal consumer and other 205 42 211 458 73,422 73,880 Leases 0 0 0 0 14,877 14,877 Total loans and leases 4,340 2,535 17,859 24,734 5,385,591 5,410,325 Less: unearned income and deferred costs and fees 0 0 0 0 (12,028) (12,028) Total loans and leases, net of unearned income and deferred costs and fees $ 4,340 $ 2,535 $ 17,859 $ 24,734 $ 5,373,563 $ 5,398,297 December 31, 2019 (In thousands) 30-89 Days 90 Days or More Current Loans Total Loans 90 days and accruing 1 Nonaccrual Loans and Leases Commercial and industrial Agriculture $ 0 $ 65 $ 105,721 $ 105,786 $ 0 $ 0 Commercial and industrial other 413 2,081 899,781 902,275 2 2,335 Subtotal commercial and industrial 413 2,146 1,005,502 1,008,061 2 2,335 Commercial real estate Construction 0 0 213,637 213,637 0 0 Agriculture 0 0 184,898 184,898 0 0 Commercial real estate other 1,140 10,780 2,033,110 2,045,030 542 10,789 Subtotal commercial real estate 1,140 10,780 2,431,645 2,443,565 542 10,789 Residential real estate Home equity 348 727 218,170 219,245 55 2,796 Mortgages 1,344 3,985 1,153,263 1,158,592 195 8,086 Subtotal residential real estate 1,692 4,712 1,371,433 1,377,837 250 10,882 Consumer and other Indirect 312 60 12,592 12,964 0 117 Consumer and other 167 66 61,213 61,446 0 158 Subtotal consumer and other 479 126 73,805 74,410 0 275 Leases 0 0 17,322 17,322 0 0 Total loans and leases 3,724 17,764 4,899,707 4,921,195 794 24,281 Less: unearned income and deferred costs and fees 0 0 (3,645) (3,645) 0 0 Total loans and leases, net of unearned income and deferred costs and fees $ 3,724 $ 17,764 $ 4,896,062 $ 4,917,550 $ 794 $ 24,281 1 Includes acquired loans that were recorded at fair value at the acquisition date. The following table presents the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below table is an age analysis of nonaccrual loans, segregated by class of loans, as of September 30, 2020. (In thousands) Nonaccrual Loans with no Allowance for Credit Losses Nonaccrual Loans Loans Past Due Over 89 Days and Accruing Loans and Leases Commercial and industrial Commercial and industrial other $ 1,469 $ 1,636 $ 0 Subtotal commercial and industrial 1,469 1,636 0 Commercial real estate Agriculture 120 120 0 Commercial real estate other 10,092 12,657 0 Subtotal commercial real estate 10,212 12,777 0 Residential real estate Home equity 2,793 2,793 0 Mortgages 9,410 9,410 0 Subtotal residential real estate 12,203 12,203 0 Consumer and other Indirect 144 144 0 Consumer and other 184 184 0 Subtotal consumer and other 328 328 0 Leases 0 0 0 Total loans and leases $ 24,212 $ 26,944 $ 0

Allowance for Credit Losses

Allowance for Credit Losses	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Allowance for Credit Losses	Allowance for Credit Losses Management reviews the appropriateness of the ACL on a regular basis. Management considers the accounting policy relating to the allowance to be a critical accounting policy, given the inherent uncertainty in evaluating the levels of the allowance required to cover credit losses in the portfolio and the material effect that assumptions could have on the Company’s results of operations. The Company has developed a methodology to measure the amount of estimated credit loss exposure inherent in the loan portfolio to assure that an appropriate allowance is maintained. The Company’s methodology is based upon guidance provided in SEC Staff Accounting Bulletin No. 119, Measurement of Credit Losses on Financial Instruments ("CECL"), and Financial Instruments - Credit Losses and ASC Topic 326, Financial Instruments - Credit Losses. The Company uses a DCF method to estimate expected credit losses for all loan segments excluding the leasing segment. For each of these loan segments, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, recovery lag probability of default, and loss give default. The modeling of expected prepayment speeds, curtailment rates, and time to recovery are based on internal historical data. The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loans utilizing the DCF method, management utilizes and forecasts national unemployment and a one year percentage change in national gross domestic product as loss drivers in the model. For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over eight quarters on a straight-line basis. Management leverages economic projections from a reputable and independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics. Due to the size and characteristics of the leasing portfolio, the Company uses the remaining life method, using the historical loss rate of the commercial and industrial segment, to determine the allowance for credit losses. The combination of adjustments for credit expectations and timing expectations produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce a net present value of expected cash flows ("NPV"). An ACL is established for the difference between the NPV and amortized cost basis. The Company adopted ASU 2016-13 using the prospective transition approach for financial assets purchased with credit deterioration ("PCD") that were previously classified as purchased credit impaired ("PCI") and accounted for under ASC 310-30. In accordance with the standard, the Company did not reassess whether PCI assets met the criteria of PCD assets as of the date of adoption. The remaining discount on the PCD assets will be accreted into interest income on a level-yield method over the life of the loans. Since the methodology is based upon historical experience and trends, current conditions, and reasonable and supportable forecasts, as well as management’s judgment, factors may arise that result in different estimates. While management’s evaluation of the allowance as of September 30, 2020, considers the allowance to be appropriate, under adversely different conditions or assumptions, the Company would need to increase or decrease the allowance. In addition, various federal and State regulatory agencies, as part of their examination process, review the Company's allowance and may require the Company to recognize additions to the allowance bases on their judgements and information available to them at the time of their examinations. Loan Commitments and Allowance for Credit Losses on Off-Balance Sheet Credit Exposures Financial instruments include off-balance sheet credit instruments, such as commitments to make loans, and commercial letters of credit. The Company's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancelable, through a charge to credit loss expense for off-balance sheet credit exposures included in other noninterest expense in the Company's consolidated statements of income. The following table details activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2020 and 2019. As previously discussed, the Company adopted ASU 2016-13 on January 1, 2020 using the modified retrospective approach. Results for the periods beginning after January 1, 2020 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable U.S. GAAP. The transition adjustment included a decrease in the allowance of $2.5 million. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. Three Months Ended September 30, 2020 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 11,113 $ 24,286 $ 15,012 $ 1,596 $ 75 $ 52,082 Charge-offs 0 0 (30) (145) 0 (175) Recoveries 89 9 16 73 0 187 Provision (credit) for credit loss expense (3,918) 4,264 (65) (75) (7) 199 Ending Balance $ 7,284 $ 28,559 $ 14,933 $ 1,449 $ 68 $ 52,293 Three Months Ended September 30, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 11,543 $ 21,005 $ 6,897 $ 1,345 $ 0 $ 40,790 Charge-offs (6) (551) (87) (190) 0 (834) Recoveries 10 2 15 68 0 95 Provision (credit) for credit loss expense (256) 2,143 (733) 166 0 1,320 Ending Balance $ 11,291 $ 22,599 $ 6,092 $ 1,389 $ 0 $ 41,371 Nine Months Ended September 30, 2020 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance, prior to adoption of ASC 326 $ 10,541 $ 21,608 $ 6,381 $ 1,362 $ 0 $ 39,892 Impact of adopting ASC 326 (2,008) (5,917) 4,459 850 82 (2,534) Charge-offs (1) (1,305) (33) (409) 0 (1,748) Recoveries 125 40 178 195 0 538 Provision (credit) for credit loss expense (1,373) 14,133 3,948 (549) (14) 16,145 Ending Balance $ 7,284 $ 28,559 $ 14,933 $ 1,449 $ 68 $ 52,293 Nine Months Ended September 30, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 11,272 $ 23,483 $ 7,345 $ 1,310 $ 0 $ 43,410 Charge-offs (489) (3,949) (131) (571) 0 (5,140) Recoveries 92 107 319 217 0 735 Provision (credit) for credit loss expense 416 2,958 (1,441) 433 0 2,366 Ending Balance $ 11,291 $ 22,599 $ 6,092 $ 1,389 $ 0 $ 41,371 The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans: (In thousands) Real Estate Business Assets Other Total ACL Allocation September 30, 2020 Commercial and Industrial $ 33 $ 507 $ 50 $ 590 $ 48 Commercial Real Estate 8,085 0 0 8,085 436 Commercial Real Estate - Agriculture 1,559 0 0 1,559 0 Residential - Mortgages 384 0 0 384 2 Total $ 10,061 $ 507 $ 50 $ 10,618 $ 486 The following tables present information pertaining to the allocation of the allowance for credit losses as of December 31, 2019, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Allowance for originated loans and leases December 31, 2019 Individually evaluated for impairment $ 245 $ 662 $ 0 $ 0 $ 0 $ 907 Collectively evaluated for impairment 10,296 20,895 6,360 1,356 0 38,907 Ending balance $ 10,541 $ 21,557 $ 6,360 $ 1,356 $ 0 $ 39,814 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for acquired loans December 31, 2019 Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 0 51 21 6 0 78 Ending balance $ 0 $ 51 $ 21 $ 6 $ 0 $ 78 The recorded investment in loans and leases summarized on the basis of the Company’s impairment methodology as of December 31, 2019 was as follows: (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Originated loans and leases December 31, 2019 Individually evaluated for impairment $ 2,110 $ 13,496 $ 3,779 $ 0 $ 0 $ 19,385 Collectively evaluated for impairment 966,875 2,283,152 1,340,687 73,625 17,322 4,681,661 Total $ 968,985 $ 2,296,648 $ 1,344,466 $ 73,625 $ 17,322 $ 4,701,046 (In thousands) Commercial Commercial Residential Consumer Finance Total Acquired loans December 31, 2019 Individually evaluated for impairment $ 2 $ 714 $ 2,114 $ 0 $ 0 $ 2,830 Loans acquired with deteriorated credit quality 173 5,674 3,302 0 0 9,149 Collectively evaluated for impairment 38,901 140,529 27,955 785 0 208,170 Total $ 39,076 $ 146,917 $ 33,371 $ 785 $ 0 $ 220,149 Prior to the adoption of ASC 326, a loan was considered impaired when, based on current information and events, it was probable that we would be unable to collect all amounts due according to the contractual terms of the loan agreement. Impaired loans consisted of non-homogenous nonaccrual loans, and all loans restructured in a troubled debt restructuring (TDR). Specific reserves on individually identified impaired loans that were not collateral dependent were measured based on the present value of expected future cash flows discounted at the original effective interest rate of each loan. For loans that were collateral dependent, impairment was measured based on the fair value of the collateral less estimated selling costs, and such impaired amounts were generally charged off. The majority of impaired loans were collateral dependent impaired loans that had limited exposure or require limited specific reserves because of the amount of collateral support with respect to these loans, and previous charge-offs. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured. In these cases, interest is recognized on a cash basis. Impaired loans at December 31, 2019 were as follows: December 31, 2019 (In thousands) Recorded Investment Unpaid Principal Balance Related Allowance Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 1,865 $ 1,965 $ 0 Commercial real estate Commercial real estate other 10,205 11,017 0 Residential real estate Home equity 3,779 3,992 0 Subtotal $ 15,849 $ 16,974 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other 245 245 245 Commercial real estate Commercial real estate other 3,291 3,291 662 Subtotal $ 3,536 $ 3,536 $ 907 Total $ 19,385 $ 20,510 $ 907 December 31, 2019 (In thousands) Recorded Investment Unpaid Principal Balance Related Allowance Acquired loans with no related allowance Commercial & industrial Commercial and industrial other $ 2 $ 2 $ 0 Commercial real estate Commercial real estate other 714 714 0 Residential real estate Home equity 2,114 2,217 0 Total $ 2,830 $ 2,933 $ 0 The following table presents average impaired loans, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13, and interest recognized on such loans, for the three months ended September 30, 2019: Three Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 1,505 $ 0 Commercial real estate Commercial real estate other 7,380 0 Residential real estate Home equity 3,963 0 Subtotal $ 12,848 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other 273 0 Commercial real estate Commercial real estate other 1,708 0 Subtotal $ 1,981 $ 0 Total $ 14,829 $ 0 Three Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Acquired loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 29 $ 0 Commercial real estate Commercial real estate other 857 0 Residential real estate Home equity 2,585 0 Total $ 3,471 $ 0 The average recorded investment and interest income recognized on impaired loans for the nine months ended September 30, 2019 was as follows: Nine Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 2,123 $ 0 Commercial real estate Commercial real estate other 6,509 0 Residential real estate Home equity 3,978 0 Subtotal $ 12,610 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other 154 0 Commercial real estate Commercial real estate other 757 0 Subtotal $ 911 $ 0 Total $ 13,521 $ 0 Nine Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Acquired loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 28 $ 0 Commercial real estate Commercial real estate other 834 0 Residential real estate Home equity 2,606 0 Total $ 3,468 $ 0 Loans are considered modified in a TDR when, due to a borrower’s financial difficulties, the Company makes concessions to the borrower that it would not otherwise consider. These modifications may include, among others, an extension for the term of the loan, and granting a period when interest-only payments can be made with the principal payments made over the remaining term of the loan or at maturity. The following tables present information on loans modified in troubled debt restructuring during the periods indicated. Post-modification amounts are presented as of September 30, 2020 and 2019. Three Months Ended September 30, 2020 Defaulted TDRs 2 (In thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Post-Modification Outstanding Recorded Investment Commercial real estate Commercial real estate other 1 1 $ 196 $ 196 0 $ 0 Consumer and other Consumer and other 1 1 $ 4 $ 4 $ 0 $ 0 Total 2 $ 200 $ 200 0 $ 0 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the three months ended September 30, 2020 that were restructured in the prior twelve months. Three Months Ended September 30, 2019 Defaulted TDRs 2 (In thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Post-Modification Outstanding Recorded Investment Commercial and Industrial Commercial and industrial other 1 1 $ 9 $ 9 0 $ 0 Commercial real estate Commercial real estate other 1 1 $ 1,577 $ 1,577 0 $ 0 Residential real estate Home equity 1 0 $ 0 $ 0 $ 1 $ 93 Total 2 $ 1,586 $ 1,586 1 $ 93 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the three months ended September 30, 2019 that were restructured in the prior twelve months. Nine Months Ended September 30, 2020 Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 1 0 $ 0 $ 0 0 $ 0 Commercial real estate Commercial real estate other 1 1 196 196 1 37 Residential real estate Home equity 1 2 121 121 1 87 Consumer and other Consumer and other 1 1 $ 4 $ 4 0 $ 0 Total 4 $ 321 $ 321 2 $ 124 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the nine months ended September 30, 2020 that were restructured in the prior twelve months. Nine Months Ended September 30, 2019 Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 1 2 $ 604 $ 604 0 $ 0 Commercial real estate Commercial real estate other 1 1 $ 1,577 $ 1,577 0 $ 0 Residential real estate Home equity 1 1 $ 168 $ 168 1 $ 93 Total 4 $ 2,349 $ 2,349 1 $ 93 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the nine months ended September 30, 2019 that were restructured in the prior twelve months. The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2020. (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Commercial & Industrial - Other: Pass $ 61,772 $ 78,283 $ 61,289 $ 65,282 $ 38,317 $ 303,190 $ 160,124 $ 11,790 $ 780,047 Special Mention 69 494 529 1,281 2,458 26 1,456 0 6,313 Substandard 42 60 999 265 312 879 1,832 0 4,389 Total Commercial & Industrial - Other $ 61,883 $ 78,837 $ 62,817 $ 66,828 $ 41,087 $ 304,095 $ 163,412 $ 11,790 $ 790,749 Commercial and Industrial - PPP: Pass $ 464,058 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 464,058 Special Mention $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Substandard $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Total Commercial and Industrial - PPP $ 464,058 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 464,058 Commercial and Industrial - Agriculture: Pass $ 11,203 $ 9,128 $ 13,160 $ 7,060 $ 3,857 $ 2,934 $ 33,800 $ 467 $ 81,609 Special Mention 0 0 59 771 0 0 1,681 0 2,511 Substandard 100 91 0 220 0 2,309 2,228 0 4,948 Total Commercial and Industrial - Agriculture $ 11,303 $ 9,219 $ 13,219 $ 8,051 $ 3,857 $ 5,243 $ 37,709 $ 467 $ 89,068 Commercial Real Estate Pass $ 157,664 $ 234,828 $ 240,343 $ 246,787 $ 304,856 $ 732,205 $ 65,076 $ 44,039 $ 2,025,798 Special Mention 0 14,439 19,172 6,869 34,367 30,733 526 0 106,106 Substandard 349 1,700 739 3,608 924 22,385 345 0 30,050 Total Commercial Real Estate $ 158,013 $ 250,967 $ 260,254 $ 257,264 $ 340,147 $ 785,322 $ 65,947 $ 44,039 $ 2,161,954 Commercial Real Estate - Agriculture: Pass $ 16,925 $ 35,850 $ 44,991 $ 21,833 $ 17,562 $ 45,966 $ 121 $ 5,655 $ 188,903 Special Mention 1,516 0 579 1,379 1,064 150 0 0 4,688 Substandard 0 0 0 1,779 718 1,569 392 0 4,458 Total Commercial Real Estate - Agriculture $ 18,441 $ 35,850 $ 45,570 $ 24,991 $ 19,344 $ 47,685 $ 513 $ 5,655 $ 198,049 Commercial Real Estate - Construction Pass $ 12,983 $ 22,285 $ 8,019 $ 2,629 $ 2,018 $ 8,324 $ 107,970 $ 15,434 $ 179,662 Special Mention 0 0 0 0 0 529 2,085 0 2,614 Substandard 0 0 0 0 0 329 0 0 329 Total Commercial Real Estate - Construction $ 12,983 $ 22,285 $ 8,019 $ 2,629 $ 2,018 $ 9,182 $ 110,055 $ 15,434 $ 182,605 The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2020, continued. (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Residential - Home Equity Performing $ 1,297 $ 2,801 $ 1,235 $ 2,088 $ 823 $ 1,573 $ 192,549 $ 1,297 $ 203,663 Nonperforming 0 18 0 0 197 390 2,188 0 2,793 Total Residential - Home Equity $ 1,297 $ 2,819 $ 1,235 $ 2,088 $ 1,020 $ 1,963 $ 194,737 $ 1,297 $ 206,456 Residential - Mortgages Performing $ 232,860 $ 198,718 $ 129,779 $ 166,414 $ 191,858 $ 286,255 $ 12,391 $ 944 $ 1,219,219 Nonperforming 0 262 402 368 1,213 7,105 60 0 9,410 Total Residential - Mortgages $ 232,860 $ 198,980 $ 130,181 $ 166,782 $ 193,071 $ 293,360 $ 12,451 $ 944 $ 1,228,629 Consumer - Direct Performing $ 12,884 $ 12,595 $ 8,728 $ 7,534 $ 3,219 $ 11,904 $ 7,298 $ 0 $ 64,162 Nonperforming 0 29 115 13 0 3 24 $ 0 184 Total Consumer - Direct $ 12,884 $ 12,624 $ 8,843 $ 7,547 $ 3,219 $ 11,907 $ 7,322 $ 0 $ 64,346 Consumer - Indirect Performing $ 1,266 $ 2,200 $ 3,840 $ 1,388 $ 521 $ 175 $ 0 $ 0 $ 9,390 Nonperforming 0 61 33 3 30 17 0 0 144 Total Consumer Indirect $ 1,266 $ 2,261 $ 3,873 $ 1,391 $ 551 $ 192 $ 0 $ 0 $ 9,534 The following tables present credit quality indicators (internal risk grade) by class of commercial and industrial loans and commercial real estate loans as of December 31, 2019. December 31, 2019 (In thousands) Commercial & Industrial Other Commercial & Industrial Agriculture Commercial Real Estate Other Commercial Real Estate Agriculture Commercial Real Estate Construction Total Originated Loans and Leases Internal risk grade: Pass $ 851,517 $ 89,892 $ 1,857,142 $ 166,888 $ 212,302 $ 3,177,741 Special Mention 8,306 1,698 16,623 3,173 0 29,800 Substandard 3,376 14,196 25,880 14,640 0 58,092 Total $ 863,199 $ 105,786 $ 1,899,645 $ 184,701 $ 212,302 $ 3,265,633 December 31, 2019 (In thousands) Commercial & Industrial Other Commercial & Industrial Agriculture Commercial Real Estate Other Commercial Real Estate Agriculture Commercial Real Estate Construction Total Acquired Loans and Leases Internal risk grade: Pass $ 38,879 $ 0 $ 143,175 $ 197 $ 1,335 $ 183,586 Special Mention 0 0 0 0 0 0 Substandard 197 0 2,210 0 0 2,407 Total $ 39,076 $ 0 $ 145,385 $ 197 $ 1,335 $ 185,993 The following tables present credit quality indicators by class of residential real estate loans and by class of consumer loans. Nonperforming loans include nonaccrual, impaired, and loans 90 days past due and accruing interest. All other loans were considered performing as of December 31, 2019. For purposes of this footnote, acquired loans that were recorded at fair value at the acquisition date and are 90 days or greater past due are considered performing. December 31, 2019 (In thousands) Residential Residential Consumer Consumer Total Originated Loans and Leases Performing $ 201,970 $ 1,133,237 $ 12,847 $ 60,503 $ 1,408,557 Nonperforming 1,924 7,335 117 158 9,534 Total $ 203,894 $ 1,140,572 $ 12,964 $ 60,661 $ 1,418,091 December 31, 2019 (In thousands) Residential Residential Consumer Consumer Total Acquired Loans and Leases Performing $ 14,479 $ 17,269 $ 0 $ 785 $ 32,533 Nonperforming 872 751 0 0 1,623 Total $ 15,351 $ 18,020 $ 0 $ 785 $ 34,156

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Earnings per share in the table below, for the three and nine month periods ended September 30, 2020 and 2019 are calculated under the two-class method as required by ASC Topic 260, Earnings Per Share. ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method. The Company has issued restricted stock awards that contain such rights and are therefore considered participating securities. Basic earnings per common share are calculated by dividing net income allocable to common stock by the weighted average number of common shares, excluding participating securities, during the period. Diluted earnings per common share include the dilutive effect of participating securities. Three Months Ended (In thousands, except share and per share data) 9/30/2020 9/30/2019 Basic Net income available to common shareholders $ 24,230 $ 20,206 Less: income attributable to unvested stock-based compensation awards (278) (317) Net earnings allocated to common shareholders 23,952 19,889 Weighted average shares outstanding, including unvested stock-based compensation awards 14,920,924 15,063,202 Less: average unvested stock-based compensation awards (223,392) (236,088) Weighted average shares outstanding - Basic 14,697,532 14,827,114 Diluted Net earnings allocated to common shareholders 23,952 19,889 Weighted average shares outstanding - Basic 14,697,532 14,827,114 Plus: incremental shares from assumed conversion of stock-based compensation awards 30,209 60,512 Weighted average shares outstanding - Diluted 14,727,741 14,887,626 Basic EPS $ 1.63 $ 1.34 Diluted EPS $ 1.63 $ 1.34 Stock-based compensation awards representing 10,449 and 17,956 of common shares during the three months ended September 30, 2020 and 2019, respectively, were not included in the computations of diluted earnings per common share because the effect on those periods would have been anti-dilutive. Nine Months Ended (In thousands, except share and per share data) 9/30/2020 9/30/2019 Basic Net income available to common shareholders $ 53,610 $ 60,638 Less: income attributable to unvested stock-based compensation awards (628) (972) Net earnings allocated to common shareholders 52,982 59,666 Weighted average shares outstanding, including unvested stock-based compensation awards 14,929,628 15,204,170 Less: unvested stock-based compensation awards (230,181) (236,088) Weighted average shares outstanding - Basic 14,699,447 14,968,082 Diluted Net earnings allocated to common shareholders 52,982 59,666 Weighted average shares outstanding - Basic 14,699,447 14,968,082 Plus: incremental shares from assumed conversion of stock-based compensation awards 39,474 67,698 Weighted average shares outstanding - Diluted 14,738,921 15,035,780 Basic EPS $ 3.60 $ 3.99 Diluted EPS $ 3.59 $ 3.97 Stock-based compensation awards representing approximately 10,090 and 18,396 of common shares during the nine months ended September 30, 2020 and 2019, respectively were not included in the computations of diluted earnings per common share because the effect on those periods would have been anti-dilutive.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2020
Stockholders' Equity Note [Abstract]
Other Comprehensive Income (Loss)	Other Comprehensive Income (Loss) The following tables present reclassifications out of accumulated other comprehensive income (loss) for the three and nine month periods ended September 30, 2020 and 2019. Three Months Ended September 30, 2020 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ (4,374) $ 1,071 $ (3,303) Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income 0 0 0 Net unrealized gains/losses (4,374) 1,071 (3,303) Employee benefit plans: Amortization of net retirement plan actuarial gain 593 (146) 447 Amortization of net retirement plan prior service cost 53 (13) 40 Employee benefit plans 646 (159) 487 Other comprehensive (loss) income $ (3,728) $ 912 $ (2,816) Three Months Ended September 30, 2019 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ 4,122 $ (1,011) $ 3,111 Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income (133) 32 (101) Net unrealized gains/losses 3,989 (979) 3,010 Employee benefit plans: Amortization of net retirement plan actuarial gain 411 (101) 310 Amortization of net retirement plan prior service cost 4 (1) 3 Employee benefit plans 415 (102) 313 Other comprehensive income $ 4,404 $ (1,081) $ 3,323 Nine Months Ended September 30, 2020 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ 24,592 $ (6,029) $ 18,563 Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income (429) 105 (324) Net unrealized gains/losses 24,163 (5,924) 18,239 Employee benefit plans: Amortization of net retirement plan actuarial loss 1,775 (435) 1,340 Amortization of net retirement plan prior service cost 160 (39) 121 Employee benefit plans 1,935 (474) 1,461 Other comprehensive income $ 26,098 $ (6,398) $ 19,700 Nine Months Ended September 30, 2019 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ 34,014 $ (8,333) $ 25,681 Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income (404) 99 (305) Net unrealized gains/losses 33,610 (8,234) 25,376 Employee benefit plans: Amortization of net retirement plan actuarial loss 1,232 (302) 930 Amortization of net retirement plan prior service cost 11 (3) 8 Employee benefit plans 1,243 (305) 938 Other comprehensive income $ 34,853 $ (8,539) $ 26,314 The following table presents the activity in our accumulated other comprehensive income (loss) for the periods indicated: (In thousands) Available-for- Employee Accumulated Balance at July 1, 2020 $ 25,581 $ (46,629) $ (21,048) Other comprehensive (loss) income before reclassifications (3,303) 0 (3,303) Amounts reclassified from accumulated other comprehensive (loss) income 0 487 487 Net current-period other comprehensive (loss) income (3,303) 487 (2,816) Balance at September 30, 2020 $ 22,278 $ (46,142) $ (23,864) Balance at January 1, 2020 $ 4,039 $ (47,603) $ (43,564) Other comprehensive (loss) income before reclassifications 18,563 0 18,563 Amounts reclassified from accumulated other comprehensive (loss) income (324) 1,461 1,137 Net current-period other comprehensive income 18,239 1,461 19,700 Balance at September 30, 2020 $ 22,278 $ (46,142) $ (23,864) (In thousands) Available-for- Employee Accumulated Balance at July 1, 2019 $ (1,223) $ (38,951) $ (40,174) Other comprehensive income (loss) before reclassifications 3,111 0 3,111 Amounts reclassified from accumulated other comprehensive (loss) income (101) 313 212 Net current-period other comprehensive income 3,010 313 3,323 Balance at September 30, 2019 $ 1,787 $ (38,638) $ (36,851) Balance at January 1, 2019 $ (23,589) $ (39,576) $ (63,165) Other comprehensive income (loss) before reclassifications 25,681 0 25,681 Amounts reclassified from accumulated other comprehensive (loss) income (305) 938 633 Net current-period other comprehensive income 25,376 938 26,314 Balance at September 30, 2019 $ 1,787 $ (38,638) $ (36,851) The following tables present the amounts reclassified out of each component of accumulated other comprehensive (loss) income for the three and nine months ended September 30, 2020 and 2019. Three Months Ended September 30, 2020 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 0 Net gain on securities transactions 0 Tax expense 0 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (593) Other operating expense Net retirement plan prior service cost (53) Other operating expense (646) Total before tax 159 Tax benefit $ (487) Net of tax Three Months Ended September 30, 2019 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 133 Net gain on securities transactions (32) Tax expense 101 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (411) Other operating expense Net retirement plan prior service cost (4) Other operating expense (415) Total before tax 102 Tax benefit $ (313) Net of tax Nine Months Ended September 30, 2020 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 429 Net gain on securities transactions (105) Tax expense 324 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (1,775) Other operating expense Net retirement plan prior service cost (160) Other operating expense (1,935) Total before tax 474 Tax benefit $ (1,461) Net of tax Nine Months Ended September 30, 2019 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 404 Net gain on securities transactions (99) Tax expense 305 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (1,232) Other operating expense Net retirement plan prior service cost (11) Other operating expense (1,243) Total before tax 305 Tax benefit $ (938) Net of tax 1 Amounts in parentheses indicated debits in income statement. 2 The accumulated other comprehensive (loss) income components are included in the computation of net periodic benefit cost (See Note 8 - “Employee Benefit Plan”).

Employee Benefit Plan

Employee Benefit Plan	9 Months Ended
	Sep. 30, 2020
Retirement Benefits [Abstract]
Employee Benefit Plan	Employee Benefit Plans The following table sets forth the amount of the net periodic benefit cost recognized by the Company for the Company’s pension plan, post-retirement plan (Life and Health), and supplemental employee retirement plans (“SERP”) including the following components: service cost, interest cost, expected return on plan assets for the period, amortization of the unrecognized transitional obligation or transition asset, and the amounts of recognized gains and losses, prior service cost recognized, and gain or loss recognized due to settlement or curtailment. Components of Net Periodic Benefit Cost Pension Benefits Life and Health SERP Benefits (In thousands) 9/30/2020 9/30/2019 9/30/2020 9/30/19 9/30/2020 9/30/2019 Service cost $ 0 $ 0 $ 43 $ 40 $ 54 $ 38 Interest cost 593 734 61 72 228 228 Expected return on plan assets (1,354) (1,233) 0 0 0 0 Amortization of net retirement plan actuarial loss 353 333 39 0 200 78 Amortization of net retirement plan prior service (credit) cost (2) (3) (15) (15) 71 22 Net periodic benefit (income) cost $ (410) $ (169) $ 128 $ 97 $ 553 $ 366 Pension Benefits Life and Health SERP Benefits (In thousands) 9/30/2020 9/30/2019 9/30/2020 9/30/2019 9/30/2020 9/30/2019 Service cost $ 0 $ 0 $ 129 $ 120 $ 161 $ 115 Interest cost 1,778 2,202 183 217 685 684 Expected return on plan assets (4,062) (3,699) 0 0 0 0 Amortization of net retirement plan actuarial loss 1,058 1,000 116 0 600 232 Amortization of net retirement plan prior service cost (credit) (7) (8) (45) (46) 214 65 Net periodic benefit (income) cost $ (1,233) $ (505) $ 383 $ 291 $ 1,660 $ 1,096 The service component of net periodic benefit cost for the Company's benefit plans is recorded as a part of salaries and wages in the consolidated statements of income. All other components are recorded as part of other operating expenses in the consolidated statements of income. The Company realized approximately $1,461,000 and $938,000, net of tax, as amortization of amounts previously recognized in accumulated other comprehensive (loss) income, for the nine months ended September 30, 2020 and 2019, respectively.

Other Income and Operating Expe

Other Income and Operating Expense	9 Months Ended
	Sep. 30, 2020
Other Income and Expenses [Abstract]
Other Income and Operating Expense	Other Income and Operating Expense Other income and operating expense totals are presented in the table below. Components of these totals exceeding 1% of the aggregate of total noninterest income and total noninterest expenses for any of the periods presented below are stated separately. Three Months Ended Nine Months Ended (In thousands) 9/30/2020 9/30/2019 9/30/2020 9/30/2019 Noninterest Income Other service charges $ 720 $ 809 $ 2,108 $ 2,405 Increase in cash surrender value of corporate owned life insurance 559 425 1,617 1,612 Net gains on the sales of loans originated for sale 378 25 1,245 139 Other income 161 704 1,418 2,091 Total other income $ 1,818 $ 1,963 $ 6,388 $ 6,247 Noninterest Expenses Marketing expense $ 927 $ 899 $ 2,806 $ 3,706 Professional fees 1,398 2,426 4,654 7,169 Legal fees 418 347 955 788 Technology expense 2,941 2,813 8,771 8,016 Cardholder expense 827 811 2,396 2,372 Off-balance sheet commitments (417) 0 1,273 0 Other expenses 4,195 4,002 13,971 13,400 Total other operating expense $ 10,289 $ 11,298 $ 34,826 $ 35,451

Revenue Recognition

Revenue Recognition	9 Months Ended
	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Revenue Recognition	Revenue Recognition In addition to revenue from loans and securities, the Company also generates revenues from other services provided as described below. Insurance Commissions and Fees Fees are earned upon the effective date of bound coverage, as no significant performance obligation remains after coverage is bound. The Company has historically recognized revenue in this manner, with the noted exception related to installment billing discussed below. Installment Billing - Agency Bill Revenue associated with the issuance of policies is recognized upon the effective date of the associated policy regardless of the billing method. Revenue is accrued based upon the completion of the performance obligation creating a current asset for the unbilled revenue until such time as an invoice is generated, typically not to exceed twelve months. Contingent Commissions Contingent commissions represent a form of variable consideration associated with the same performance obligation, which is the placement of coverage, for which we earn core commissions. Contingent commissions are estimated with an appropriate constraint applied and accrued relative to the recognition of the corresponding core commissions. The resulting effect on the timing of recognition of contingent commissions will more closely follow a similar pattern as our core commissions with true-ups recognized when payments are received or as additional information that affects the estimate becomes available. Refund of Commissions The contract with the insurance carrier dictates the level of commissions paid to the Company that will be refunded to the carrier upon cancellation by the policyholder. As a result, the Company has established a liability for the estimated amount of commission to which the Company does not expect to be entitled, and a corresponding reduction to the gross commission received or receivable. The refund liability is updated at the end of each reporting period for changes in circumstances. Trust & Asset Management Trust and asset management income is primarily comprised of fees earned from the management and administration of trusts and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to customers’ accounts. The Company does not earn performance-based incentives. Optional services such as real estate sales and tax return preparation services are also available to existing trust and asset management customers. The Company’s performance obligation for these transactional-based services is generally satisfied, and related revenue recognized, at a point in time (i.e., as incurred). Payment is received shortly after services are rendered. Mutual Fund & Investment Income Mutual fund and investment income consists of other recurring revenue streams such as commissions from sales of mutual funds and other investments, investment advisory fees from the Company’s Strategic Asset Management (“SAM”) Services wealth management product. Commissions from the sale of mutual funds and other investments are recognized on trade date, which is when the Company has satisfied its performance obligation. The Company also receives periodic service fees (i.e., trailers) from mutual fund companies typically based on a percentage of net asset value. Trailer revenue is recorded over time, usually monthly or quarterly, as net asset value is determined. Investment advisor fees from the wealth management product is earned over time and based on an annual percentage rate of the net asset value. The investment advisor fees are charged to the customer’s account in advance on the first month of the quarter, and the revenue is recognized over the following three-month period. The Company does engage a third party, LPL Financial, LLC (“LPL”), to satisfy part of this performance obligation, and therefore this income is reported net of any corresponding expenses paid to LPL. Service Charges on Deposit Accounts Service charges on deposit accounts consist of account analysis fees (i.e., net fees earned on analyzed business and public checking accounts), monthly service fees, check orders, and other deposit account related fees. The Company’s performance obligation for account analysis fees and monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Check orders and other deposit account related fees are largely transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. Card Services Income Fees, exchange, and other service charges are primarily comprised of debit and credit card income, ATM fees, merchant services income, and other service charges. Debit and credit card income is primarily comprised of interchange fees earned whenever the Company’s debit and credit cards are processed through card payment networks such as Mastercard. ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. Merchant services income mainly represents fees charged to merchants to process their debit and credit card transactions, in addition to account management fees. The Company’s performance obligation for fees and exchange are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. Other Other service charges include revenue from processing wire and ACH transfers, lock box service and safe deposit box rental. Both wire transfer fees and lock box services are charged on per item basis. Wire and ACH transfer fees are charged at the time of transfer and charged directly to the customer account. Lock box customers are billed monthly and payments are received in the following month through a direct charge to customers’ accounts. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Company determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606, for the three and nine months ended September 30, 2020 and 2019. Three Months Ended (In thousands) 09/30/2020 09/30/2019 Noninterest Income In-scope of Topic 606: Commissions and Fees $ 8,136 $ 7,918 Installment Billing 175 150 Refund of Commissions (104) (51) Contract Liabilities/Deferred Revenue 0 0 Contingent Commissions 709 500 Subtotal Insurance Revenues 8,916 8,517 Trust and Asset Management 3,070 2,920 Mutual Fund & Investment Income 1,222 1,255 Subtotal Investment Service Income 4,292 4,175 Service Charges on Deposit Accounts 1,444 2,191 Card Services Income 2,419 2,550 Other 285 306 Noninterest Income (in-scope of ASC 606) 17,356 17,739 Noninterest Income (out-of-scope of ASC 606) 1,531 1,795 Total Noninterest Income $ 18,887 $ 19,534 Nine Months Ended (In thousands) 09/30/2020 09/30/2019 Noninterest Income In-scope of Topic 606: Commissions and Fees $ 22,545 $ 21,984 Installment Billing 96 58 Refund of Commissions (458) (31) Contract Liabilities/Deferred Revenue (208) (188) Contingent Commissions 2,241 2,491 Subtotal Insurance Revenues 24,216 24,314 Trust and Asset Management 8,798 8,417 Mutual Fund & Investment Income 3,616 3,749 Subtotal Investment Service Income 12,414 12,166 Service Charges on Deposit Accounts 4,675 6,210 Card Services Income 6,885 8,090 Other 837 878 Noninterest Income (in-scope of ASC 606) 49,027 51,658 Noninterest Income (out-of-scope of ASC 606) 5,997 5,803 Total Noninterest Income $ 55,024 $ 57,461 Contract Balances Receivables primarily consist of amounts due for insurance and wealth management services performed for which the Company's performance obligations have been fully satisfied. Receivables amounted to $4.8 million and $2.0 million, respectively, at September 30, 2020, compared to $4.7 million and $2.0 million, respectively, at December 31, 2019 and were included in other assets in the accompanying unaudited Consolidated Statements of Condition. A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration (resulting in a contract receivable) or before payment is due (resulting in a contract asset). The Company’s noninterest revenue streams, excluding some insurance commissions and fees, are largely based on transactional activity, or standard month-end revenue accruals such as asset management fees based on month-end market values. Consideration is often received immediately or shortly after the Company satisfies its performance obligation and revenue is recognized. The Company does not typically enter into long-term revenue contracts with customers, and therefore, does not experience significant contract balances. As of September 30, 2020 and December 31, 2019, the Company did not have any significant contract balances. A contract liability balance is an entity’s obligation to transfer a service to a customer for which the entity has already received payment (or payment is due) from the customer. The Company often receives cash payments from customers in advance of the Company’s performance resulting in contract liabilities. As of September 30, 2020 and December 31, 2019, contract liabilities were $448,000 and $2,000,000, respectively, and are included within other liabilities in the accompanying unaudited Consolidated Statements of Condition. The liabilities include premiums due to insurance carriers in addition to unearned commission revenue. The decrease in the contract liability balance during the nine-month period ended September 30, 2020 is primarily a result of timing differences in the recognition of revenue related to contract effective dates along with accompanying cash payments received in advance of satisfying performance obligations. Contract Acquisition Costs

Financial Guarantees

Financial Guarantees	9 Months Ended
	Sep. 30, 2020
Guarantees [Abstract]
Financial Guarantees	Financial Guarantees The Company currently does not issue any guarantees that would require liability recognition or disclosure, other than standby letters of credit. The Company extends standby letters of credit to its customers in the normal course of business. The standby letters of credit are generally short-term. As of September 30, 2020, the Company’s maximum potential obligation under standby letters of credit was $32.0 million compared to $28.2 million at December 31, 2019. Management uses the same credit policies to extend standby letters of credit that it uses for on-balance sheet lending decisions and may require collateral to support standby letters of credit based upon its evaluation of the counterparty. Management does not anticipate any significant losses as a result of these transactions, and has determined that the fair value of standby letters of credit is not significant.

Segment and Related Information

Segment and Related Information	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Segment and Related Information	Segment and Related Information The Company manages its operations through three reportable business segments in accordance with the standards set forth in FASB ASC 280, “Segment Reporting”: (i) banking (“Banking”), (ii) insurance (“Tompkins Insurance”) and (iii) wealth management (“Tompkins Financial Advisors”). The Company’s insurance services and wealth management services, other than trust services, are managed separately from the Banking segment. Banking The Banking segment is primarily comprised of the Company’s four banking subsidiaries: Tompkins Trust Company, a commercial bank with fourteen banking offices located in Ithaca, NY and surrounding communities; The Bank of Castile (DBA Tompkins Bank of Castile), a commercial bank with sixteen banking offices located in the Genesee Valley region of New York State as well as Monroe County; Mahopac Bank (DBA Tompkins Mahopac Bank), a commercial bank with fourteen full-service banking offices located in the counties north of New York City; and VIST Bank (DBA Tompkins VIST Bank), a banking organization with twenty banking offices headquartered and operating in the areas surrounding southeastern Pennsylvania. Insurance The Company provides property and casualty insurance services and employee benefits consulting through Tompkins Insurance Agencies, Inc., a 100% wholly-owned subsidiary of the Company, headquartered in Batavia, New York. Tompkins Insurance is an independent insurance agency, representing many major insurance carriers and provides employee benefit consulting to employers in Western and Central New York and Southeastern Pennsylvania, assisting them with their medical, group life insurance and group disability insurance. Tompkins Insurance has five stand-alone offices in Western New York. Wealth Management The Wealth Management segment is generally organized under the Tompkins Financial Advisors brand. Tompkins Financial Advisors offers a comprehensive suite of financial services to customers, including trust and estate services, investment management and financial and insurance planning for individuals, corporate executives, small business owners and high net worth individuals. Tompkins Financial Advisors has offices in each of the Company’s four subsidiary banks. Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following table. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking, insurance and wealth management services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by any of the banks and the holding company. All other accounting policies are the same as those described in the summary of significant accounting policies in the 2019 Annual Report on Form 10-K. As of and for the three months ended September 30, 2020 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 64,316 $ 1 $ 0 $ (1) $ 64,316 Interest expense 6,064 0 0 (1) 6,063 Net interest income 58,252 1 0 0 58,253 Provision for credit loss expense 199 0 0 0 199 Noninterest income 5,976 9,023 4,434 (546) 18,887 Noninterest expense 36,988 6,559 3,348 (546) 46,349 Income before income tax expense 27,041 2,465 1,086 0 30,592 Income tax expense 5,397 670 263 0 6,330 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 21,644 1,795 823 0 24,262 Less: Net income attributable to noncontrolling interests 32 0 0 0 32 Net Income attributable to Tompkins Financial Corporation $ 21,612 $ 1,795 $ 823 $ 0 $ 24,230 Depreciation and amortization $ 2,474 $ 57 $ 18 $ 0 $ 2,549 Assets 7,738,933 42,269 26,956 (13,656) 7,794,502 Goodwill 64,585 19,866 7,996 0 92,447 Other intangibles, net 2,600 2,507 104 0 5,211 Net loans and leases 5,346,004 0 0 0 5,346,004 Deposits 6,613,421 0 0 (12,183) 6,601,238 Total Equity 657,370 32,095 24,146 0 713,611 As of and for the three months ended September 30, 2019 (In thousands) Banking Insurance Wealth Intercompany Consolidated Interest income $ 65,775 $ 1 $ 0 $ (1) $ 65,775 Interest expense 12,620 0 0 (1) 12,619 Net interest income 53,155 1 0 0 53,156 Provision for credit loss expense 1,320 0 0 0 1,320 Noninterest income 7,134 8,620 4,310 (530) 19,534 Noninterest expense 36,309 6,672 3,204 (530) 45,655 Income before income tax expense 22,660 1,949 1,106 0 25,715 Income tax expense 4,669 526 283 0 5,478 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 17,991 1,423 823 0 20,237 Less: Net income attributable to noncontrolling interests 31 0 0 0 31 Net Income attributable to Tompkins Financial Corporation $ 17,960 $ 1,423 $ 823 $ 0 $ 20,206 Depreciation and amortization $ 2,483 $ 56 $ 10 $ 0 $ 2,549 Assets 6,575,073 42,753 23,497 (13,341) 6,627,982 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 3,472 3,011 164 0 6,647 Net loans and leases 4,815,702 0 0 0 4,815,702 Deposits 5,382,174 0 0 (12,184) 5,369,990 Total Equity 605,572 33,116 21,177 0 659,865 Nine months ended September 30, 2020 (In thousands) Banking Insurance Wealth Intercompany Consolidated Interest income $ 190,960 $ 3 $ 0 $ (3) $ 190,960 Interest expense 23,375 0 0 (3) 23,372 Net interest income 167,585 3 0 0 167,588 Provision for credit loss expense 16,145 0 0 0 16,145 Noninterest income 19,217 24,533 12,903 (1,629) 55,024 Noninterest expense 111,387 19,479 9,740 (1,629) 138,977 Income before income tax expense 59,270 5,057 3,163 0 67,490 Income tax expense 11,665 1,362 752 0 13,779 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 47,605 3,695 2,411 0 53,711 Less: Net income attributable to noncontrolling interests 101 0 0 0 101 Net Income attributable to Tompkins Financial Corporation $ 47,504 $ 3,695 $ 2,411 $ 0 $ 53,610 Depreciation and amortization $ 7,443 $ 173 $ 38 $ 0 $ 7,654 Nine months ended September 30, 2019 (In thousands) Banking Insurance Wealth Intercompany Consolidated Interest income $ 196,797 $ 2 $ 0 $ (3) $ 196,796 Interest expense 39,410 0 0 (2) 39,408 Net interest income 157,387 2 0 (1) $ 157,388 Provision for credit loss expense 2,366 0 0 0 2,366 Noninterest income 21,852 24,621 12,567 (1,579) 57,461 Noninterest expense 108,704 19,279 9,529 (1,578) 135,934 Income before income tax expense 68,169 5,344 3,038 (2) $ 76,549 Income tax expense 13,650 1,418 748 0 15,816 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 54,519 3,926 2,290 (2) $ 60,733 Less: Net income attributable to noncontrolling interests 95 0 0 0 95 Net Income attributable to Tompkins Financial Corporation $ 54,424 $ 3,926 $ 2,290 $ (2) $ 60,638 Depreciation and amortization $ 7,296 $ 168 $ 31 $ 0 $ 7,495

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Fair Value Measurements	Fair Value Measurements FASB ASC Topic 820, Fair Value Measurements and Disclosures, defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles and expands disclosures about fair value measurements. FASB ASC Topic 820 also establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). Transfers between levels, when determined to be appropriate, are recognized at the end of each reporting period. The three levels of the fair value hierarchy under FASB ASC Topic 820 are: Level 1 – Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 – Quoted prices for similar assets or liabilities in active markets, quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 – Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis as of September 30, 2020 and December 31, 2019, segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value. Recurring Fair Value Measurements September 30, 2020 (In thousands) Total (Level 1) (Level 2) (Level 3) Available-for-sale debt securities Obligations of U.S. Government sponsored entities $ 612,481 $ 0 $ 612,481 $ 0 Obligations of U.S. states and political subdivisions 129,258 0 129,258 0 Mortgage-backed securities – residential, issued by: U.S. Government agencies 207,501 0 207,501 0 U.S. Government sponsored entities 715,160 0 715,160 0 U.S. corporate debt securities 2,366 0 2,366 0 Total Available-for-sale debt securities $ 1,666,766 $ 0 $ 1,666,766 $ 0 Equity securities, at fair value $ 932 $ 0 $ 0 $ 932 Recurring Fair Value Measurements December 31, 2019 (In thousands) Total (Level 1) (Level 2) (Level 3) Available-for-sale debt securities U.S. Treasuries $ 1,840 $ 0 $ 1,840 $ 0 Obligations of U.S. Government sponsored entities 372,488 0 372,488 0 Obligations of U.S. states and political subdivisions 97,785 0 97,785 0 Mortgage-backed securities – residential, issued by: U.S. Government agencies 164,451 0 164,451 0 U.S. Government sponsored entities 659,590 0 659,590 0 U.S. corporate debt securities 2,433 0 2,433 0 Total Available-for-sale debt securities $ 1,298,587 $ 0 $ 1,298,587 $ 0 Equity securities, at fair value $ 915 $ 0 $ 0 $ 915 Securities: Fair values for U.S. Treasury securities are based on quoted market prices. Fair values for obligations of U.S. government sponsored entities, mortgage-backed securities-residential, obligations of U.S. states and political subdivisions, and U.S. corporate debt securities are based on quoted market prices, where available, as provided by third party pricing vendors. If quoted market prices were not available, fair values are based on quoted market prices of comparable instruments in active markets and/or based upon matrix pricing methodology, which uses comprehensive interest rate tables to determine market price, movement and yield relationships. These securities are reviewed periodically to determine if there are any events or changes in circumstances that would adversely affect their value. The change in the fair value of equity securities valued using significant unobservable inputs (level 3), for the periods ended September 30, 2020 and December 31, 2019, was immaterial. There were no transfers between Levels 1, 2 and 3 for the nine months ended September 30, 2020. The Company determines fair value for its available-for-sale debt securities using an independent bond pricing service for identical assets or very similar securities. The Company determines fair value for its equity securities based on the underlying equity fund’s pricing and valuation procedures which consider recent sales price, market quotations from a pricing service, or market quotes from an independent broker-dealer. The Company has reviewed the pricing sources, including methodologies used, and finds them to be fairly stated. Certain assets are measured at fair value on a nonrecurring basis. For the Company, these include loans held for sale, individually evaluated loans, and other real estate owned (“OREO”). For the three and nine months ended September 30, 2020, certain individually evaluated loans were remeasured and reported at fair value through a specific valuation allowance and/or partial charge-offs for credit losses based upon the fair value of the underlying collateral. Collateral values are estimated using Level 2 inputs based upon observable market data. In addition to collateral dependent evaluated loans, certain other real estate owned were remeasured and reported at fair value based upon the fair value of the underlying collateral. The fair values of other real estate owned are estimated using Level 2 inputs based on observable market data or Level 3 inputs based on customized discounting criteria. In general, the fair values of other real estate owned are based upon appraisals, with discounts made to reflect estimated costs to sell the real estate. Upon initial recognition, fair value write-downs are taken through a charge-off to the allowance for credit losses. Subsequent fair value write-downs on other real estate owned are reported in other noninterest expense. Three months ended September 30, 2020 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2020 Quoted prices in Significant other Significant Three months ended 9/30/2020 Individually evaluated $ 6,330 $ 0 $ 6,330 $ 0 $ 0 Other real estate owned 36 0 36 0 (4) Three months ended September 30, 2019 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2019 Quoted prices in Significant other Significant Three months ended 9/30/2019 Impaired loans $ 10,096 $ 0 $ 10,096 $ 0 $ (550) Other real estate owned 139 0 139 0 95 Nine months ended September 30, 2020 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2020 Quoted prices in Significant other Significant Nine months ended 9/30/2020 Individually evaluated $ 10,759 $ 0 $ 10,759 $ 0 $ (1,305) Other real estate owned 124 0 124 0 (27) Nine months ended September 30, 2019 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2019 Quoted prices in Significant other Significant Nine months ended 9/30/2019 Impaired loans $ 12,565 $ 0 $ 12,565 $ 0 $ (4,184) Other real estate owned 888 0 888 0 0 The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments at September 30, 2020 and December 31, 2019. The carrying amounts shown in the table are included in the Consolidated Statements of Condition under the indicated captions. The fair value estimates, methods and assumptions set forth below for the Company's financial instruments, including those financial instruments carried at cost, are made solely to comply with disclosures required by U.S. GAAP and should be read in conjunction with the financial statements and notes included in this Report. Estimated Fair Value of Financial Instruments September 30, 2020 (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 374,739 $ 374,739 $ 374,739 $ 0 $ 0 FHLB and other stock 17,919 17,919 0 17,919 0 Accrued interest receivable 38,212 38,212 0 38,212 0 Loans/leases, net 1 5,346,004 5,370,911 0 10,759 5,360,152 Financial Liabilities: Time deposits $ 706,401 $ 714,256 $ 0 $ 714,256 $ 0 Other deposits 5,894,837 5,894,837 0 5,894,837 0 Fed funds purchased and securities sold under agreements to repurchase 63,573 63,573 0 63,573 0 Other borrowings 285,000 295,374 0 295,374 0 Trust preferred debentures 17,163 21,240 0 21,240 0 Accrued interest payable 1,702 1,702 0 1,702 0 Estimated Fair Value of Financial Instruments December 31, 2019 (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 137,982 $ 137,982 $ 137,982 $ 0 $ 0 FHLB and other stock 33,695 33,695 0 33,695 0 Accrued interest receivable 19,293 19,293 0 19,293 0 Loans/leases, net 1 4,877,658 4,798,268 0 14,050 4,784,218 Financial Liabilities: Time deposits $ 675,014 $ 677,205 $ 0 $ 677,205 $ 0 Other deposits 4,537,907 4,537,907 0 4,537,907 0 Fed funds purchased and securities sold under agreements to repurchase 60,346 60,346 0 60,346 0 Other borrowings 658,100 659,895 0 659,895 0 Trust preferred debentures 17,035 21,904 0 21,904 0 Accrued interest payable 2,486 2,486 0 2,486 0 1 Lease receivables, although excluded from the scope of ASC Topic 825, are included in the estimated fair value amounts at their carrying value. The following methods and assumptions were used in estimating fair value disclosures for financial instruments: Cash and Cash Equivalents: The carrying amounts reported in the Consolidated Statements of Condition for cash, noninterest-bearing deposits, money market funds, and Federal funds sold approximate the fair value of those assets. Loans and Leases: Fair value for loans are calculated using an exit price notion. The Company's valuation methodology takes into account factors such as estimated cash flows, including contractual cash flow and assumptions for prepayments; liquidity risk; and credit risk. The fair values of residential loans were estimated using discounted cash flow analyses, based upon available market benchmarks for rates and prepayment assumptions. The fair values of commercial and consumer loans were estimated using discounted cash flow analyses, based upon interest rates currently offered for loans and leases with similar terms and credit quality. The fair values of loans held for sale were determined based upon contractual prices for loans with similar characteristics. FHLB Stock: The carrying amount of FHLB stock approximates fair value. If the stock is redeemed, the Company will receive an amount equal to the par value of the stock. For miscellaneous equity securities, carrying value is cost. Accrued Interest Receivable and Accrued Interest Payable: The carrying amount of these short term instruments approximate fair value. Deposits: The fair values disclosed for noninterest bearing accounts and accounts with no stated maturities are equal to the amount payable on demand at the reporting date. The fair value of time deposits is based upon discounted cash flow analyses using rates offered for FHLB advances, which is the Company’s primary alternative source of funds. Securities Sold Under Agreements to Repurchase: The carrying amounts of repurchase agreements and other short-term borrowings approximate their fair values. Fair values of long-term borrowings are estimated using a discounted cash flow approach, based on current market rates for similar borrowings. For securities sold under agreements to repurchase where the Company has elected the fair value option, the Company also receives pricing information from third parties, including the FHLB. Other Borrowings: The fair values of other borrowings are estimated using discounted cash flow analysis, discounted at the Company’s current incremental borrowing rate for similar borrowing arrangements. For other borrowings where the Company has elected the fair value option, the Company also receives pricing information from third parties, including the FHLB. Trust Preferred Debentures: The fair value of the trust preferred debentures has been estimated using a discounted cash flow analysis which uses a discount factor of a market spread over current interest rates for similar instruments.

Basis of Presentation (Policies

Basis of Presentation (Policies)	9 Months Ended
	Sep. 30, 2020
Accounting Policies [Abstract]
New Adopted Accounting Standards and Accounting Standards Pending Adoption	Impact of Adoption of ASU 2016-13 Securities For available-for-sale debt securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Any impairment that is not credit-related is recognized in other comprehensive income, net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses (“ACL”) on the Statement of Condition, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the ACL and the adjustment to net income may be reversed if conditions change. However, if the Company intends to sell an impaired available- for-sale debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount must be recognized in earnings with a corresponding adjustment to the security’s amortized cost basis. Because the security’s amortized cost basis is adjusted to fair value, there is no ACL in this situation. Changes in the allowance for credit losses are recorded as provision (credit) for credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available-for-sale debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. Accrued interest receivable on securities is excluded from the estimate of credit losses. Acquired Loans Acquired loans are recorded at fair value at the date of acquisition based on a discounted cash flow methodology that considers various factors including the type of loan and related collateral, classification status, fixed or variable interest rate, term of loan and whether or not the loan was amortizing, and a discount rate reflecting the Company’s assessment of risk inherent in the cash flow estimates. Certain larger purchased loans are individually evaluated while certain purchased loans are grouped together according to similar risk characteristics and are treated in the aggregate when applying various valuation techniques. These cash flow evaluations are inherently subjective as they require material estimates, all of which may be susceptible to significant change. Prior to January 1, 2020, loans acquired in a business combination that had evidence of deterioration of credit quality since origination and for which it was probable, at acquisition, that the Company would be unable to collect all contractually required payments receivable were considered purchased credit impaired (“PCI”) loans. PCI loans were individually evaluated and recorded at fair value at the date of acquisition with no initial valuation allowance based on a discounted cash flow methodology that considered various factors including the type of loan and related collateral, classification status, fixed or variable interest rate, term of loan and whether or not the loan was amortizing, and a discount rate reflecting the Company’ assessment of risk inherent in the cash flow estimates. The difference between the undiscounted cash flows expected at acquisition and the investment in the loan, or the “accretable yield,” was recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” were not recognized on the Statement of Condition and did not result in any yield adjustments, loss accruals or valuation allowances. Increases in expected cash flows, including prepayments, subsequent to the initial investment were recognized prospectively through adjustment of the yield on the loan over its remaining life. Decreases in expected cash flows were recognized as impairment. Valuation allowances on PCI loans reflected only losses incurred after the acquisition (meaning the present value of all cash flows expected at acquisition that ultimately were not to be received). Subsequent to January 1, 2020 in connection with the Company's adoption of ASU 2016-13, loans acquired in a business combination that have experienced more-than-insignificant deterioration in credit quality since origination are considered purchased credit deteriorated (“PCD”) loans. At the acquisition date, an estimate of expected credit losses is made for groups of PCD loans with similar risk characteristics and individual PCD loans without similar risk characteristics. This initial allowance for credit losses is allocated to individual PCD loans and added to the purchase price or acquisition date fair values to establish the initial amortized cost basis of the PCD loans. As the initial allowance for credit losses is added to the purchase price, there is no credit loss expense recognized upon acquisition of a PCD loan. Any difference between the unpaid principal balance of PCD loans and the amortized cost basis is considered to relate to noncredit factors and results in a discount or premium. Discounts and premiums are recognized through interest income on a level-yield method over the life of the loans. All loans considered to be PCI prior to January 1, 2020 were converted to PCD on that date. The subsequent measurement of expected credit losses for all acquired loans is the same as the subsequent measurement of expected credit losses for originated loans. Allowance for Credit Losses – Loans Under the current expected credit loss model, the ACL on loans is a valuation allowance estimated at each balance sheet date in accordance with U.S. GAAP that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. The Company estimates the ACL on loans based on the underlying assets’ amortized cost basis, which is the amount at which the financing receivable is originated or acquired, adjusted for applicable accretion or amortization of premium, discount, collection of cash, and charge-offs. In the event that collection of principal becomes uncertain, the Company has policies in place to reverse accrued interest in a timely manner. Therefore, the Company has made a policy election to exclude accrued interest from the measurement of ACL. Expected credit losses are reflected in the ACL through a charge to the provision for credit loss expense. When the Company deems all or a portion of a financial asset to be uncollectible, the appropriate amount is written off and the ACL is reduced by the same amount. In general, the principal balance of a loan is charged off in full or in part when management concludes, based on the available facts and circumstances, that collection of principal in full is not probable. Subsequent recoveries, if any, are credited to the ACL when received. The Company measures expected credit losses of financial assets at the loan level by segment, by pooling loans when the financial assets share similar risk characteristics. Depending on the nature of the pool of financial assets with similar risk characteristics, the Company uses a discounted cash flow (“DCF”) method to estimate the expected credit losses. Allowance on loans that do not share risk characteristics are evaluated on an individual basis. The Company assigns a credit risk rating to all commercial and commercial real estate loans. The Company reviews commercial and commercial real estate loans rated Substandard or worse, on nonaccrual and greater than $250,000 for loss potential and when deemed appropriate assigns an allowance based on an individual evaluation. The Company’s methodologies for estimating the ACL consider available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodologies apply historical loss information, adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions expected to exist through the contractual lives of the financial assets that are reasonable and supportable, to the identified pools of financial assets with similar risk characteristics for which the historical loss experience was observed. The Company’s methodologies revert back to average historical loss information on a straight line basis over eight quarters when it can no longer develop reasonable and supportable forecasts. The Company has identified the following pools of financial assets with similar risk characteristics for measuring expected credit losses: commercial, commercial real estate, residential, home equity, consumer and leases. This segmentation was selected based on the differences in the risk profile of each of these categories and aligns well with regulatory reporting categories. This segmentation separates borrower type, collateral type and the nature of the loan. The differences in risk profiles of these segments enables the ACL to be more precise in its allocation due to the inherent risk in these specific portfolios. Discounted Cash Flow Method The Company uses the discounted cash flow method to estimate expected credit losses for the commercial, commercial real estate, residential, home equity, and consumer loan pools. For each of these loan segments, the Company generates cash flow projections at the instrument level wherein payment expectations are adjusted for estimated prepayment speed, curtailments, time to recovery, probability of default, and loss given default. The modeling of expected prepayment speeds, and time to recovery are based on historical internal data. The Company uses regression analysis of historical internal and peer data to determine suitable loss drivers to utilize when modeling lifetime probability of default and loss given default. This analysis also determines how expected probability of default and loss given default will react to forecasted levels of the loss drivers. For all loan pools utilizing the DCF method, management utilizes and forecasts one or both of the following economic factors; national unemployment and gross domestic product as loss drivers. For all DCF models, management has determined that four quarters represents a reasonable and supportable forecast period and reverts back to a historical loss rate over eight quarters on a straight-line basis. Management leverages economic projections from an independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts are also considered by management when developing the forecast metrics. The model considers a base case forecast and two alternative forecasts and assigns weightings to these three scenarios based on current conditions and expectations for future conditions. The combination of adjustments for credit expectations (default and loss) and timing expectations (prepayment, curtailment, and time to recovery) produces an expected cash flow stream at the instrument level. Instrument effective yield is calculated, net of the impacts of prepayment assumptions, and the instrument expected cash flows are then discounted at that effective yield to produce an instrument-level net present value of expected cash flows (“NPV”). An ACL is established for the difference between the instrument’s NPV and amortized cost basis. The model also considers the need to qualitatively adjust expected loss estimates for information not already captured in the loss estimation process. These qualitative factors include, but are not limited to, those suggested by the Interagency Policy Statement on Allowances for Credit Losses. These qualitative factor adjustments may increase or decrease the Company's estimate of expected credit losses. Due to the size and characteristics of the leasing portfolio, the remaining life method, using the historical loss rate of the commercial and industrial segment, is used to determine the allowance for credit losses. Individually Evaluated Financial Assets Loans that do not share common risk characteristics are evaluated on an individual basis. For collateral dependent financial assets where the Company has determined that foreclosure of the collateral is probable, or where the borrower is experiencing financial difficulty and the Company expects repayment of the financial asset to be provided substantially through the operation or sale of the collateral, the ACL is measured based on the difference between the fair value of the collateral less cost to sell, and the amortized cost basis of the asset as of the measurement date. The ACL may be zero if the fair value of the collateral at the measurement date exceeds the amortized cost basis of the financial asset. The Company’s estimate of the ACL reflects losses expected over the remaining contractual life of the assets. The contractual term does not consider extensions, renewals or modifications unless the Company has identified an expected troubled debt restructuring. Troubled Debt Restructuring A loan that has been modified or renewed is considered a troubled debt restructuring (“TDR”) when two conditions are met: 1) the borrower is experiencing financial difficulty and 2) concessions are made for the borrower's benefit that would not otherwise be considered for a borrower or transaction with similar credit risk characteristics. The Company’s ACL reflects all effects of a TDR when an individual asset is specifically identified as a reasonably expected TDR. The Company has determined that a TDR is reasonably expected no later than the point when the lender concludes that modification is the best course of action and it is at least reasonably possible that the troubled borrower will accept some form of concession from the lender to avoid a default. Reasonably expected TDRs and executed non-performing TDRs are evaluated individually to determine the required ACL. TDRs performing in accordance with their modified contractual terms for a reasonable period of time may be included in the Company’s existing pools based on the underlying risk characteristics of the loan to measure the ACL. The provisions of the Coronavirus Aid, Relief and Economic Security Act ("CARES Act") and interagency guidance issued by Federal banking regulators provided guidance and clarification related to modifications and deferral programs to assist borrowers who are negatively impacted by the COVID-19 national emergency. The guidance and clarifications detail certain provisions whereby banks are permitted to make deferrals and modifications to the terms of a loan which would not require the loan to be reported as a troubled debt restructuring ('TDR"). In accordance with the CARES Act and the interagency guidance, the Company elected to adopt the provisions to not report qualified loan modifications as troubled debt restructurings. Loan Commitments and Allowance for Credit Losses on Off-Balance Sheet Credit Exposures Financial instruments include off-balance sheet credit instruments, such as commitments to make loans, unused lines of credit and commercial letters of credit, issued to meet customer financing needs. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for off-balance sheet loan commitments is represented by the contractual amount of those instruments. Such financial instruments are recorded when they are funded. The Company records an allowance for credit losses on off-balance sheet credit exposures, unless the commitments to extend credit are unconditionally cancellable, through a charge to the provision for credit loss expense for off-balance sheet credit exposures included in other noninterest expense in the Company’s consolidated statements of income. The ACL on off-balance sheet credit exposures is estimated by loan segment at each balance sheet date under the current expected credit loss model using similar methodologies as portfolio loans, taking into consideration the likelihood that funding will occur, and is included in other liabilities on the Company’s statements of condition.

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of available-for-sale securities	The following table summarizes available-for-sale debt securities held by the Company at September 30, 2020: Available-for-Sale Debt Securities September 30, 2020 Amortized Gross Gross Fair Value (In thousands) Obligations of U.S. Government sponsored entities 602,417 10,881 817 612,481 Obligations of U.S. states and political subdivisions 126,593 2,840 175 129,258 Mortgage-backed securities – residential, issued by U.S. Government agencies 205,507 2,981 987 207,501 U.S. Government sponsored entities 700,238 15,785 863 715,160 U.S. corporate debt securities 2,500 0 134 2,366 Total available-for-sale debt securities $ 1,637,255 $ 32,487 $ 2,976 $ 1,666,766 The following table summarizes available-for-sale debt securities held by the Company at December 31, 2019: Available-for-Sale Debt Securities December 31, 2019 Amortized Gross Gross Fair Value (In thousands) U.S. Treasuries $ 1,840 $ 0 $ 0 $ 1,840 Obligations of U.S. Government sponsored entities 367,551 5,021 84 372,488 Obligations of U.S. states and political subdivisions 96,668 1,178 61 97,785 Mortgage-backed securities – residential, issued by U.S. Government agencies 164,643 1,327 1,519 164,451 U.S. Government sponsored entities 660,037 2,940 3,387 659,590 U.S. corporate debt securities 2,500 0 67 2,433 Total available-for-sale debt securities $ 1,293,239 $ 10,466 $ 5,118 $ 1,298,587
Schedule of available-for-sale securities with unrealized losses	The following table summarizes available-for-sale debt securities that had unrealized losses at September 30, 2020. Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. Government sponsored entities $ 303,834 $ 817 $ 0 $ 0 $ 303,834 $ 817 Obligations of U.S. states and political subdivisions 15,328 175 0 0 15,328 175 Mortgage-backed securities – residential, issued by U.S. Government agencies 46,990 736 2,978 251 49,968 987 U.S. Government sponsored entities 111,120 794 5,512 69 116,632 863 U.S. corporate debt securities 0 0 2,366 134 2,366 134 Total available-for-sale debt securities $ 477,272 $ 2,522 $ 10,856 $ 454 $ 488,128 $ 2,976 The following table summarizes available-for-sale debt securities that had unrealized losses at December 31, 2019. Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses Obligations of U.S. Government sponsored entities $ 18,654 $ 76 $ 3,479 $ 8 $ 22,133 $ 84 Obligations of U.S. states and political subdivisions 10,456 54 2,300 7 12,756 61 Mortgage-backed securities – residential, issued by U.S. Government agencies 54,846 489 45,999 1,030 100,845 1,519 U.S. Government sponsored entities 157,801 752 233,999 2,635 391,800 3,387 U.S. corporate debt securities 0 0 2,433 67 2,433 67 Total available-for-sale debt securities $ 241,757 $ 1,371 $ 288,210 $ 3,747 $ 529,967 $ 5,118
Schedule of amortized cost and estimated fair value of debt securities by contractual maturity	September 30, 2020 (In thousands) Amortized Cost Fair Value Available-for-sale debt securities: Due in one year or less $ 53,447 $ 54,083 Due after one year through five years 391,466 401,757 Due after five years through ten years 221,525 222,846 Due after ten years 65,072 65,419 Total 731,510 744,105 Mortgage-backed securities 905,745 922,661 Total available-for-sale debt securities $ 1,637,255 $ 1,666,766 December 31, 2019 (In thousands) Amortized Cost Fair Value Available-for-sale debt securities: Due in one year or less $ 107,975 $ 108,089 Due after one year through five years 270,477 274,798 Due after five years through ten years 77,710 79,165 Due after ten years 12,397 12,494 Total 468,559 474,546 Mortgage-backed securities 824,680 824,041 Total available-for-sale debt securities $ 1,293,239 $ 1,298,587

Loans and Leases (Tables)

Loans and Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Schedule of loans and leases	Loans and leases at September 30, 2020 and December 31, 2019 were as follows: (In thousands) 9/30/2020 12/31/2019 Commercial and industrial Agriculture $ 89,068 $ 105,786 Commercial and industrial other 790,749 902,275 PPP loans* 464,058 0 Subtotal commercial and industrial 1,343,875 1,008,061 Commercial real estate Construction 182,605 213,637 Agriculture 198,049 184,898 Commercial real estate other 2,161,954 2,045,030 Subtotal commercial real estate 2,542,608 2,443,565 Residential real estate Home equity 206,456 219,245 Mortgages 1,228,629 1,158,592 Subtotal residential real estate 1,435,085 1,377,837 Consumer and other Indirect 9,534 12,964 Consumer and other 64,346 61,446 Subtotal consumer and other 73,880 74,410 Leases 14,877 17,322 Total loans and leases 5,410,325 4,921,195 Less: unearned income and deferred costs and fees (12,028) (3,645) Total loans and leases, net of unearned income and deferred costs and fees $ 5,398,297 $ 4,917,550 *Paycheck Protection Program ("PPP")
Schedule of age analysis of past due loans	The below table is an age analysis of past due loans, segregated by class of loans, as of September 30, 2020 and December 31, 2019. September 30, 2020 (In thousands) 30-59 Days 60-89 Days 90 Days or More Total Past Due Current Loans Total Loans Loans and Leases Commercial and industrial Agriculture $ 0 $ 0 $ 0 $ 0 $ 89,068 $ 89,068 Commercial and industrial other 923 96 1,443 2,462 788,287 790,749 PPP loans* 0 0 0 0 464,058 464,058 Subtotal commercial and industrial 923 96 1,443 2,462 1,341,413 1,343,875 Commercial real estate Construction 0 0 0 0 182,605 182,605 Agriculture 0 0 0 0 198,049 198,049 Commercial real estate other 2,255 1,079 12,477 15,811 2,146,143 2,161,954 Subtotal commercial real estate 2,255 1,079 12,477 15,811 2,526,797 2,542,608 Residential real estate Home equity 475 135 1,079 1,689 204,767 206,456 Mortgages 482 1,183 2,649 4,314 1,224,315 1,228,629 Subtotal residential real estate 957 1,318 3,728 6,003 1,429,082 1,435,085 Consumer and other Indirect 86 32 57 175 9,359 9,534 Consumer and other 119 10 154 283 64,063 64,346 Subtotal consumer and other 205 42 211 458 73,422 73,880 Leases 0 0 0 0 14,877 14,877 Total loans and leases 4,340 2,535 17,859 24,734 5,385,591 5,410,325 Less: unearned income and deferred costs and fees 0 0 0 0 (12,028) (12,028) Total loans and leases, net of unearned income and deferred costs and fees $ 4,340 $ 2,535 $ 17,859 $ 24,734 $ 5,373,563 $ 5,398,297 December 31, 2019 (In thousands) 30-89 Days 90 Days or More Current Loans Total Loans 90 days and accruing 1 Nonaccrual Loans and Leases Commercial and industrial Agriculture $ 0 $ 65 $ 105,721 $ 105,786 $ 0 $ 0 Commercial and industrial other 413 2,081 899,781 902,275 2 2,335 Subtotal commercial and industrial 413 2,146 1,005,502 1,008,061 2 2,335 Commercial real estate Construction 0 0 213,637 213,637 0 0 Agriculture 0 0 184,898 184,898 0 0 Commercial real estate other 1,140 10,780 2,033,110 2,045,030 542 10,789 Subtotal commercial real estate 1,140 10,780 2,431,645 2,443,565 542 10,789 Residential real estate Home equity 348 727 218,170 219,245 55 2,796 Mortgages 1,344 3,985 1,153,263 1,158,592 195 8,086 Subtotal residential real estate 1,692 4,712 1,371,433 1,377,837 250 10,882 Consumer and other Indirect 312 60 12,592 12,964 0 117 Consumer and other 167 66 61,213 61,446 0 158 Subtotal consumer and other 479 126 73,805 74,410 0 275 Leases 0 0 17,322 17,322 0 0 Total loans and leases 3,724 17,764 4,899,707 4,921,195 794 24,281 Less: unearned income and deferred costs and fees 0 0 (3,645) (3,645) 0 0 Total loans and leases, net of unearned income and deferred costs and fees $ 3,724 $ 17,764 $ 4,896,062 $ 4,917,550 $ 794 $ 24,281 1 Includes acquired loans that were recorded at fair value at the acquisition date. The following table presents the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below table is an age analysis of nonaccrual loans, segregated by class of loans, as of September 30, 2020. (In thousands) Nonaccrual Loans with no Allowance for Credit Losses Nonaccrual Loans Loans Past Due Over 89 Days and Accruing Loans and Leases Commercial and industrial Commercial and industrial other $ 1,469 $ 1,636 $ 0 Subtotal commercial and industrial 1,469 1,636 0 Commercial real estate Agriculture 120 120 0 Commercial real estate other 10,092 12,657 0 Subtotal commercial real estate 10,212 12,777 0 Residential real estate Home equity 2,793 2,793 0 Mortgages 9,410 9,410 0 Subtotal residential real estate 12,203 12,203 0 Consumer and other Indirect 144 144 0 Consumer and other 184 184 0 Subtotal consumer and other 328 328 0 Leases 0 0 0 Total loans and leases $ 24,212 $ 26,944 $ 0

Allowance for Credit Losses (Ta

Allowance for Credit Losses (Tables)	9 Months Ended
	Sep. 30, 2020
Receivables [Abstract]
Schedule of allowance for loan and lease losses segregated by originated and acquired loan and lease portfolios and by portfolio segment	Three Months Ended September 30, 2020 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 11,113 $ 24,286 $ 15,012 $ 1,596 $ 75 $ 52,082 Charge-offs 0 0 (30) (145) 0 (175) Recoveries 89 9 16 73 0 187 Provision (credit) for credit loss expense (3,918) 4,264 (65) (75) (7) 199 Ending Balance $ 7,284 $ 28,559 $ 14,933 $ 1,449 $ 68 $ 52,293 Three Months Ended September 30, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 11,543 $ 21,005 $ 6,897 $ 1,345 $ 0 $ 40,790 Charge-offs (6) (551) (87) (190) 0 (834) Recoveries 10 2 15 68 0 95 Provision (credit) for credit loss expense (256) 2,143 (733) 166 0 1,320 Ending Balance $ 11,291 $ 22,599 $ 6,092 $ 1,389 $ 0 $ 41,371 Nine Months Ended September 30, 2020 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance, prior to adoption of ASC 326 $ 10,541 $ 21,608 $ 6,381 $ 1,362 $ 0 $ 39,892 Impact of adopting ASC 326 (2,008) (5,917) 4,459 850 82 (2,534) Charge-offs (1) (1,305) (33) (409) 0 (1,748) Recoveries 125 40 178 195 0 538 Provision (credit) for credit loss expense (1,373) 14,133 3,948 (549) (14) 16,145 Ending Balance $ 7,284 $ 28,559 $ 14,933 $ 1,449 $ 68 $ 52,293 Nine Months Ended September 30, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 11,272 $ 23,483 $ 7,345 $ 1,310 $ 0 $ 43,410 Charge-offs (489) (3,949) (131) (571) 0 (5,140) Recoveries 92 107 319 217 0 735 Provision (credit) for credit loss expense 416 2,958 (1,441) 433 0 2,366 Ending Balance $ 11,291 $ 22,599 $ 6,092 $ 1,389 $ 0 $ 41,371 The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans: (In thousands) Real Estate Business Assets Other Total ACL Allocation September 30, 2020 Commercial and Industrial $ 33 $ 507 $ 50 $ 590 $ 48 Commercial Real Estate 8,085 0 0 8,085 436 Commercial Real Estate - Agriculture 1,559 0 0 1,559 0 Residential - Mortgages 384 0 0 384 2 Total $ 10,061 $ 507 $ 50 $ 10,618 $ 486
Schedule of allowance for loan and lease losses based on impairment methodology	The following tables present information pertaining to the allocation of the allowance for credit losses as of December 31, 2019, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13: (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Allowance for originated loans and leases December 31, 2019 Individually evaluated for impairment $ 245 $ 662 $ 0 $ 0 $ 0 $ 907 Collectively evaluated for impairment 10,296 20,895 6,360 1,356 0 38,907 Ending balance $ 10,541 $ 21,557 $ 6,360 $ 1,356 $ 0 $ 39,814 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for acquired loans December 31, 2019 Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 0 51 21 6 0 78 Ending balance $ 0 $ 51 $ 21 $ 6 $ 0 $ 78
Schedule of recorded investment in loans and leases based on impairment methodology	The recorded investment in loans and leases summarized on the basis of the Company’s impairment methodology as of December 31, 2019 was as follows: (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Originated loans and leases December 31, 2019 Individually evaluated for impairment $ 2,110 $ 13,496 $ 3,779 $ 0 $ 0 $ 19,385 Collectively evaluated for impairment 966,875 2,283,152 1,340,687 73,625 17,322 4,681,661 Total $ 968,985 $ 2,296,648 $ 1,344,466 $ 73,625 $ 17,322 $ 4,701,046 (In thousands) Commercial Commercial Residential Consumer Finance Total Acquired loans December 31, 2019 Individually evaluated for impairment $ 2 $ 714 $ 2,114 $ 0 $ 0 $ 2,830 Loans acquired with deteriorated credit quality 173 5,674 3,302 0 0 9,149 Collectively evaluated for impairment 38,901 140,529 27,955 785 0 208,170 Total $ 39,076 $ 146,917 $ 33,371 $ 785 $ 0 $ 220,149
Schedule of average recorded investment and interest income on impaired loans	Impaired loans at December 31, 2019 were as follows: December 31, 2019 (In thousands) Recorded Investment Unpaid Principal Balance Related Allowance Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 1,865 $ 1,965 $ 0 Commercial real estate Commercial real estate other 10,205 11,017 0 Residential real estate Home equity 3,779 3,992 0 Subtotal $ 15,849 $ 16,974 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other 245 245 245 Commercial real estate Commercial real estate other 3,291 3,291 662 Subtotal $ 3,536 $ 3,536 $ 907 Total $ 19,385 $ 20,510 $ 907 December 31, 2019 (In thousands) Recorded Investment Unpaid Principal Balance Related Allowance Acquired loans with no related allowance Commercial & industrial Commercial and industrial other $ 2 $ 2 $ 0 Commercial real estate Commercial real estate other 714 714 0 Residential real estate Home equity 2,114 2,217 0 Total $ 2,830 $ 2,933 $ 0 The following table presents average impaired loans, as determined in accordance with ASC 310, prior to the adoption of ASU 2016-13, and interest recognized on such loans, for the three months ended September 30, 2019: Three Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 1,505 $ 0 Commercial real estate Commercial real estate other 7,380 0 Residential real estate Home equity 3,963 0 Subtotal $ 12,848 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other 273 0 Commercial real estate Commercial real estate other 1,708 0 Subtotal $ 1,981 $ 0 Total $ 14,829 $ 0 Three Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Acquired loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 29 $ 0 Commercial real estate Commercial real estate other 857 0 Residential real estate Home equity 2,585 0 Total $ 3,471 $ 0 The average recorded investment and interest income recognized on impaired loans for the nine months ended September 30, 2019 was as follows: Nine Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 2,123 $ 0 Commercial real estate Commercial real estate other 6,509 0 Residential real estate Home equity 3,978 0 Subtotal $ 12,610 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other 154 0 Commercial real estate Commercial real estate other 757 0 Subtotal $ 911 $ 0 Total $ 13,521 $ 0 Nine Months Ended September 30, 2019 (In thousands) Average Recorded Investment Interest Income Recognized Acquired loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 28 $ 0 Commercial real estate Commercial real estate other 834 0 Residential real estate Home equity 2,606 0 Total $ 3,468 $ 0
Schedule of loans modified in troubled debt restructuring	The following tables present information on loans modified in troubled debt restructuring during the periods indicated. Post-modification amounts are presented as of September 30, 2020 and 2019. Three Months Ended September 30, 2020 Defaulted TDRs 2 (In thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Post-Modification Outstanding Recorded Investment Commercial real estate Commercial real estate other 1 1 $ 196 $ 196 0 $ 0 Consumer and other Consumer and other 1 1 $ 4 $ 4 $ 0 $ 0 Total 2 $ 200 $ 200 0 $ 0 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the three months ended September 30, 2020 that were restructured in the prior twelve months. Three Months Ended September 30, 2019 Defaulted TDRs 2 (In thousands) Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Loans Post-Modification Outstanding Recorded Investment Commercial and Industrial Commercial and industrial other 1 1 $ 9 $ 9 0 $ 0 Commercial real estate Commercial real estate other 1 1 $ 1,577 $ 1,577 0 $ 0 Residential real estate Home equity 1 0 $ 0 $ 0 $ 1 $ 93 Total 2 $ 1,586 $ 1,586 1 $ 93 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the three months ended September 30, 2019 that were restructured in the prior twelve months. Nine Months Ended September 30, 2020 Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 1 0 $ 0 $ 0 0 $ 0 Commercial real estate Commercial real estate other 1 1 196 196 1 37 Residential real estate Home equity 1 2 121 121 1 87 Consumer and other Consumer and other 1 1 $ 4 $ 4 0 $ 0 Total 4 $ 321 $ 321 2 $ 124 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the nine months ended September 30, 2020 that were restructured in the prior twelve months. Nine Months Ended September 30, 2019 Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 1 2 $ 604 $ 604 0 $ 0 Commercial real estate Commercial real estate other 1 1 $ 1,577 $ 1,577 0 $ 0 Residential real estate Home equity 1 1 $ 168 $ 168 1 $ 93 Total 4 $ 2,349 $ 2,349 1 $ 93 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the nine months ended September 30, 2019 that were restructured in the prior twelve months.
Schedule of credit quality indicators by class of commercial and industrial loans and commercial real estate loans	The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2020. (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Commercial & Industrial - Other: Pass $ 61,772 $ 78,283 $ 61,289 $ 65,282 $ 38,317 $ 303,190 $ 160,124 $ 11,790 $ 780,047 Special Mention 69 494 529 1,281 2,458 26 1,456 0 6,313 Substandard 42 60 999 265 312 879 1,832 0 4,389 Total Commercial & Industrial - Other $ 61,883 $ 78,837 $ 62,817 $ 66,828 $ 41,087 $ 304,095 $ 163,412 $ 11,790 $ 790,749 Commercial and Industrial - PPP: Pass $ 464,058 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 464,058 Special Mention $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Substandard $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Total Commercial and Industrial - PPP $ 464,058 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 464,058 Commercial and Industrial - Agriculture: Pass $ 11,203 $ 9,128 $ 13,160 $ 7,060 $ 3,857 $ 2,934 $ 33,800 $ 467 $ 81,609 Special Mention 0 0 59 771 0 0 1,681 0 2,511 Substandard 100 91 0 220 0 2,309 2,228 0 4,948 Total Commercial and Industrial - Agriculture $ 11,303 $ 9,219 $ 13,219 $ 8,051 $ 3,857 $ 5,243 $ 37,709 $ 467 $ 89,068 Commercial Real Estate Pass $ 157,664 $ 234,828 $ 240,343 $ 246,787 $ 304,856 $ 732,205 $ 65,076 $ 44,039 $ 2,025,798 Special Mention 0 14,439 19,172 6,869 34,367 30,733 526 0 106,106 Substandard 349 1,700 739 3,608 924 22,385 345 0 30,050 Total Commercial Real Estate $ 158,013 $ 250,967 $ 260,254 $ 257,264 $ 340,147 $ 785,322 $ 65,947 $ 44,039 $ 2,161,954 Commercial Real Estate - Agriculture: Pass $ 16,925 $ 35,850 $ 44,991 $ 21,833 $ 17,562 $ 45,966 $ 121 $ 5,655 $ 188,903 Special Mention 1,516 0 579 1,379 1,064 150 0 0 4,688 Substandard 0 0 0 1,779 718 1,569 392 0 4,458 Total Commercial Real Estate - Agriculture $ 18,441 $ 35,850 $ 45,570 $ 24,991 $ 19,344 $ 47,685 $ 513 $ 5,655 $ 198,049 Commercial Real Estate - Construction Pass $ 12,983 $ 22,285 $ 8,019 $ 2,629 $ 2,018 $ 8,324 $ 107,970 $ 15,434 $ 179,662 Special Mention 0 0 0 0 0 529 2,085 0 2,614 Substandard 0 0 0 0 0 329 0 0 329 Total Commercial Real Estate - Construction $ 12,983 $ 22,285 $ 8,019 $ 2,629 $ 2,018 $ 9,182 $ 110,055 $ 15,434 $ 182,605 The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2020, continued. (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Residential - Home Equity Performing $ 1,297 $ 2,801 $ 1,235 $ 2,088 $ 823 $ 1,573 $ 192,549 $ 1,297 $ 203,663 Nonperforming 0 18 0 0 197 390 2,188 0 2,793 Total Residential - Home Equity $ 1,297 $ 2,819 $ 1,235 $ 2,088 $ 1,020 $ 1,963 $ 194,737 $ 1,297 $ 206,456 Residential - Mortgages Performing $ 232,860 $ 198,718 $ 129,779 $ 166,414 $ 191,858 $ 286,255 $ 12,391 $ 944 $ 1,219,219 Nonperforming 0 262 402 368 1,213 7,105 60 0 9,410 Total Residential - Mortgages $ 232,860 $ 198,980 $ 130,181 $ 166,782 $ 193,071 $ 293,360 $ 12,451 $ 944 $ 1,228,629 Consumer - Direct Performing $ 12,884 $ 12,595 $ 8,728 $ 7,534 $ 3,219 $ 11,904 $ 7,298 $ 0 $ 64,162 Nonperforming 0 29 115 13 0 3 24 $ 0 184 Total Consumer - Direct $ 12,884 $ 12,624 $ 8,843 $ 7,547 $ 3,219 $ 11,907 $ 7,322 $ 0 $ 64,346 Consumer - Indirect Performing $ 1,266 $ 2,200 $ 3,840 $ 1,388 $ 521 $ 175 $ 0 $ 0 $ 9,390 Nonperforming 0 61 33 3 30 17 0 0 144 Total Consumer Indirect $ 1,266 $ 2,261 $ 3,873 $ 1,391 $ 551 $ 192 $ 0 $ 0 $ 9,534 The following tables present credit quality indicators (internal risk grade) by class of commercial and industrial loans and commercial real estate loans as of December 31, 2019. December 31, 2019 (In thousands) Commercial & Industrial Other Commercial & Industrial Agriculture Commercial Real Estate Other Commercial Real Estate Agriculture Commercial Real Estate Construction Total Originated Loans and Leases Internal risk grade: Pass $ 851,517 $ 89,892 $ 1,857,142 $ 166,888 $ 212,302 $ 3,177,741 Special Mention 8,306 1,698 16,623 3,173 0 29,800 Substandard 3,376 14,196 25,880 14,640 0 58,092 Total $ 863,199 $ 105,786 $ 1,899,645 $ 184,701 $ 212,302 $ 3,265,633 December 31, 2019 (In thousands) Commercial & Industrial Other Commercial & Industrial Agriculture Commercial Real Estate Other Commercial Real Estate Agriculture Commercial Real Estate Construction Total Acquired Loans and Leases Internal risk grade: Pass $ 38,879 $ 0 $ 143,175 $ 197 $ 1,335 $ 183,586 Special Mention 0 0 0 0 0 0 Substandard 197 0 2,210 0 0 2,407 Total $ 39,076 $ 0 $ 145,385 $ 197 $ 1,335 $ 185,993
Schedule of credit quality indicators by class of residential real estate loans and consumer loans	The following tables present credit quality indicators by class of residential real estate loans and by class of consumer loans. Nonperforming loans include nonaccrual, impaired, and loans 90 days past due and accruing interest. All other loans were considered performing as of December 31, 2019. For purposes of this footnote, acquired loans that were recorded at fair value at the acquisition date and are 90 days or greater past due are considered performing. December 31, 2019 (In thousands) Residential Residential Consumer Consumer Total Originated Loans and Leases Performing $ 201,970 $ 1,133,237 $ 12,847 $ 60,503 $ 1,408,557 Nonperforming 1,924 7,335 117 158 9,534 Total $ 203,894 $ 1,140,572 $ 12,964 $ 60,661 $ 1,418,091 December 31, 2019 (In thousands) Residential Residential Consumer Consumer Total Acquired Loans and Leases Performing $ 14,479 $ 17,269 $ 0 $ 785 $ 32,533 Nonperforming 872 751 0 0 1,623 Total $ 15,351 $ 18,020 $ 0 $ 785 $ 34,156

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2020
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Earnings per share in the table below, for the three and nine month periods ended September 30, 2020 and 2019 are calculated under the two-class method as required by ASC Topic 260, Earnings Per Share. ASC 260 provides that unvested share-based payment awards that contain nonforfeitable rights to dividends are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method. The Company has issued restricted stock awards that contain such rights and are therefore considered participating securities. Basic earnings per common share are calculated by dividing net income allocable to common stock by the weighted average number of common shares, excluding participating securities, during the period. Diluted earnings per common share include the dilutive effect of participating securities. Three Months Ended (In thousands, except share and per share data) 9/30/2020 9/30/2019 Basic Net income available to common shareholders $ 24,230 $ 20,206 Less: income attributable to unvested stock-based compensation awards (278) (317) Net earnings allocated to common shareholders 23,952 19,889 Weighted average shares outstanding, including unvested stock-based compensation awards 14,920,924 15,063,202 Less: average unvested stock-based compensation awards (223,392) (236,088) Weighted average shares outstanding - Basic 14,697,532 14,827,114 Diluted Net earnings allocated to common shareholders 23,952 19,889 Weighted average shares outstanding - Basic 14,697,532 14,827,114 Plus: incremental shares from assumed conversion of stock-based compensation awards 30,209 60,512 Weighted average shares outstanding - Diluted 14,727,741 14,887,626 Basic EPS $ 1.63 $ 1.34 Diluted EPS $ 1.63 $ 1.34 Nine Months Ended (In thousands, except share and per share data) 9/30/2020 9/30/2019 Basic Net income available to common shareholders $ 53,610 $ 60,638 Less: income attributable to unvested stock-based compensation awards (628) (972) Net earnings allocated to common shareholders 52,982 59,666 Weighted average shares outstanding, including unvested stock-based compensation awards 14,929,628 15,204,170 Less: unvested stock-based compensation awards (230,181) (236,088) Weighted average shares outstanding - Basic 14,699,447 14,968,082 Diluted Net earnings allocated to common shareholders 52,982 59,666 Weighted average shares outstanding - Basic 14,699,447 14,968,082 Plus: incremental shares from assumed conversion of stock-based compensation awards 39,474 67,698 Weighted average shares outstanding - Diluted 14,738,921 15,035,780 Basic EPS $ 3.60 $ 3.99 Diluted EPS $ 3.59 $ 3.97

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2020
Stockholders' Equity Note [Abstract]
Schedule of activity in accumulated other comprehensive income (loss) and amounts reclassified out of each component of accumulated other comprehensive (loss) income	The following tables present reclassifications out of accumulated other comprehensive income (loss) for the three and nine month periods ended September 30, 2020 and 2019. Three Months Ended September 30, 2020 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ (4,374) $ 1,071 $ (3,303) Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income 0 0 0 Net unrealized gains/losses (4,374) 1,071 (3,303) Employee benefit plans: Amortization of net retirement plan actuarial gain 593 (146) 447 Amortization of net retirement plan prior service cost 53 (13) 40 Employee benefit plans 646 (159) 487 Other comprehensive (loss) income $ (3,728) $ 912 $ (2,816) Three Months Ended September 30, 2019 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ 4,122 $ (1,011) $ 3,111 Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income (133) 32 (101) Net unrealized gains/losses 3,989 (979) 3,010 Employee benefit plans: Amortization of net retirement plan actuarial gain 411 (101) 310 Amortization of net retirement plan prior service cost 4 (1) 3 Employee benefit plans 415 (102) 313 Other comprehensive income $ 4,404 $ (1,081) $ 3,323 Nine Months Ended September 30, 2020 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ 24,592 $ (6,029) $ 18,563 Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income (429) 105 (324) Net unrealized gains/losses 24,163 (5,924) 18,239 Employee benefit plans: Amortization of net retirement plan actuarial loss 1,775 (435) 1,340 Amortization of net retirement plan prior service cost 160 (39) 121 Employee benefit plans 1,935 (474) 1,461 Other comprehensive income $ 26,098 $ (6,398) $ 19,700 Nine Months Ended September 30, 2019 (In thousands) Before-Tax Tax (Expense) Net of Tax Available-for-sale debt securities: Change in net unrealized gain/loss during the period $ 34,014 $ (8,333) $ 25,681 Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income (404) 99 (305) Net unrealized gains/losses 33,610 (8,234) 25,376 Employee benefit plans: Amortization of net retirement plan actuarial loss 1,232 (302) 930 Amortization of net retirement plan prior service cost 11 (3) 8 Employee benefit plans 1,243 (305) 938 Other comprehensive income $ 34,853 $ (8,539) $ 26,314 The following table presents the activity in our accumulated other comprehensive income (loss) for the periods indicated: (In thousands) Available-for- Employee Accumulated Balance at July 1, 2020 $ 25,581 $ (46,629) $ (21,048) Other comprehensive (loss) income before reclassifications (3,303) 0 (3,303) Amounts reclassified from accumulated other comprehensive (loss) income 0 487 487 Net current-period other comprehensive (loss) income (3,303) 487 (2,816) Balance at September 30, 2020 $ 22,278 $ (46,142) $ (23,864) Balance at January 1, 2020 $ 4,039 $ (47,603) $ (43,564) Other comprehensive (loss) income before reclassifications 18,563 0 18,563 Amounts reclassified from accumulated other comprehensive (loss) income (324) 1,461 1,137 Net current-period other comprehensive income 18,239 1,461 19,700 Balance at September 30, 2020 $ 22,278 $ (46,142) $ (23,864) (In thousands) Available-for- Employee Accumulated Balance at July 1, 2019 $ (1,223) $ (38,951) $ (40,174) Other comprehensive income (loss) before reclassifications 3,111 0 3,111 Amounts reclassified from accumulated other comprehensive (loss) income (101) 313 212 Net current-period other comprehensive income 3,010 313 3,323 Balance at September 30, 2019 $ 1,787 $ (38,638) $ (36,851) Balance at January 1, 2019 $ (23,589) $ (39,576) $ (63,165) Other comprehensive income (loss) before reclassifications 25,681 0 25,681 Amounts reclassified from accumulated other comprehensive (loss) income (305) 938 633 Net current-period other comprehensive income 25,376 938 26,314 Balance at September 30, 2019 $ 1,787 $ (38,638) $ (36,851)
Schedule of reclassifications out of accumulated other comprehensive income (loss)	The following tables present the amounts reclassified out of each component of accumulated other comprehensive (loss) income for the three and nine months ended September 30, 2020 and 2019. Three Months Ended September 30, 2020 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 0 Net gain on securities transactions 0 Tax expense 0 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (593) Other operating expense Net retirement plan prior service cost (53) Other operating expense (646) Total before tax 159 Tax benefit $ (487) Net of tax Three Months Ended September 30, 2019 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 133 Net gain on securities transactions (32) Tax expense 101 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (411) Other operating expense Net retirement plan prior service cost (4) Other operating expense (415) Total before tax 102 Tax benefit $ (313) Net of tax Nine Months Ended September 30, 2020 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 429 Net gain on securities transactions (105) Tax expense 324 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (1,775) Other operating expense Net retirement plan prior service cost (160) Other operating expense (1,935) Total before tax 474 Tax benefit $ (1,461) Net of tax Nine Months Ended September 30, 2019 Details about Accumulated other Comprehensive Income (Loss) Components (In thousands) Amount 1 Affected Line Item in the Available-for-sale debt securities: Unrealized gains and losses on available-for-sale debt securities $ 404 Net gain on securities transactions (99) Tax expense 305 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial loss (1,232) Other operating expense Net retirement plan prior service cost (11) Other operating expense (1,243) Total before tax 305 Tax benefit $ (938) Net of tax 1 Amounts in parentheses indicated debits in income statement. 2 The accumulated other comprehensive (loss) income components are included in the computation of net periodic benefit cost (See Note 8 - “Employee Benefit Plan”).

Employee Benefit Plan (Tables)

Employee Benefit Plan (Tables)	9 Months Ended
	Sep. 30, 2020
Retirement Benefits [Abstract]
Schedule of components of net periodic benefit cost	Components of Net Periodic Benefit Cost Pension Benefits Life and Health SERP Benefits (In thousands) 9/30/2020 9/30/2019 9/30/2020 9/30/19 9/30/2020 9/30/2019 Service cost $ 0 $ 0 $ 43 $ 40 $ 54 $ 38 Interest cost 593 734 61 72 228 228 Expected return on plan assets (1,354) (1,233) 0 0 0 0 Amortization of net retirement plan actuarial loss 353 333 39 0 200 78 Amortization of net retirement plan prior service (credit) cost (2) (3) (15) (15) 71 22 Net periodic benefit (income) cost $ (410) $ (169) $ 128 $ 97 $ 553 $ 366 Pension Benefits Life and Health SERP Benefits (In thousands) 9/30/2020 9/30/2019 9/30/2020 9/30/2019 9/30/2020 9/30/2019 Service cost $ 0 $ 0 $ 129 $ 120 $ 161 $ 115 Interest cost 1,778 2,202 183 217 685 684 Expected return on plan assets (4,062) (3,699) 0 0 0 0 Amortization of net retirement plan actuarial loss 1,058 1,000 116 0 600 232 Amortization of net retirement plan prior service cost (credit) (7) (8) (45) (46) 214 65 Net periodic benefit (income) cost $ (1,233) $ (505) $ 383 $ 291 $ 1,660 $ 1,096

Other Income and Operating Ex_2

Other Income and Operating Expense (Tables)	9 Months Ended
	Sep. 30, 2020
Other Income and Expenses [Abstract]
Schedule of other income and operating expense	Other income and operating expense totals are presented in the table below. Components of these totals exceeding 1% of the aggregate of total noninterest income and total noninterest expenses for any of the periods presented below are stated separately. Three Months Ended Nine Months Ended (In thousands) 9/30/2020 9/30/2019 9/30/2020 9/30/2019 Noninterest Income Other service charges $ 720 $ 809 $ 2,108 $ 2,405 Increase in cash surrender value of corporate owned life insurance 559 425 1,617 1,612 Net gains on the sales of loans originated for sale 378 25 1,245 139 Other income 161 704 1,418 2,091 Total other income $ 1,818 $ 1,963 $ 6,388 $ 6,247 Noninterest Expenses Marketing expense $ 927 $ 899 $ 2,806 $ 3,706 Professional fees 1,398 2,426 4,654 7,169 Legal fees 418 347 955 788 Technology expense 2,941 2,813 8,771 8,016 Cardholder expense 827 811 2,396 2,372 Off-balance sheet commitments (417) 0 1,273 0 Other expenses 4,195 4,002 13,971 13,400 Total other operating expense $ 10,289 $ 11,298 $ 34,826 $ 35,451

Revenue Recognition (Tables)

Revenue Recognition (Tables)	9 Months Ended
	Sep. 30, 2020
Revenue from Contract with Customer [Abstract]
Schedule of disaggregation of noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606	The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606, for the three and nine months ended September 30, 2020 and 2019. Three Months Ended (In thousands) 09/30/2020 09/30/2019 Noninterest Income In-scope of Topic 606: Commissions and Fees $ 8,136 $ 7,918 Installment Billing 175 150 Refund of Commissions (104) (51) Contract Liabilities/Deferred Revenue 0 0 Contingent Commissions 709 500 Subtotal Insurance Revenues 8,916 8,517 Trust and Asset Management 3,070 2,920 Mutual Fund & Investment Income 1,222 1,255 Subtotal Investment Service Income 4,292 4,175 Service Charges on Deposit Accounts 1,444 2,191 Card Services Income 2,419 2,550 Other 285 306 Noninterest Income (in-scope of ASC 606) 17,356 17,739 Noninterest Income (out-of-scope of ASC 606) 1,531 1,795 Total Noninterest Income $ 18,887 $ 19,534 Nine Months Ended (In thousands) 09/30/2020 09/30/2019 Noninterest Income In-scope of Topic 606: Commissions and Fees $ 22,545 $ 21,984 Installment Billing 96 58 Refund of Commissions (458) (31) Contract Liabilities/Deferred Revenue (208) (188) Contingent Commissions 2,241 2,491 Subtotal Insurance Revenues 24,216 24,314 Trust and Asset Management 8,798 8,417 Mutual Fund & Investment Income 3,616 3,749 Subtotal Investment Service Income 12,414 12,166 Service Charges on Deposit Accounts 4,675 6,210 Card Services Income 6,885 8,090 Other 837 878 Noninterest Income (in-scope of ASC 606) 49,027 51,658 Noninterest Income (out-of-scope of ASC 606) 5,997 5,803 Total Noninterest Income $ 55,024 $ 57,461

Segment and Related Informati_2

Segment and Related Information (Table)	9 Months Ended
	Sep. 30, 2020
Segment Reporting [Abstract]
Schedule of segment and related information	Summarized financial information concerning the Company’s reportable segments and the reconciliation to the Company’s consolidated results is shown in the following table. Investment in subsidiaries is netted out of the presentations below. The “Intercompany” column identifies the intercompany activities of revenues, expenses and other assets between the banking, insurance and wealth management services segments. The Company accounts for intercompany fees and services at an estimated fair value according to regulatory requirements for the services provided. Intercompany items relate primarily to the use of human resources, information systems, accounting and marketing services provided by any of the banks and the holding company. All other accounting policies are the same as those described in the summary of significant accounting policies in the 2019 Annual Report on Form 10-K. As of and for the three months ended September 30, 2020 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 64,316 $ 1 $ 0 $ (1) $ 64,316 Interest expense 6,064 0 0 (1) 6,063 Net interest income 58,252 1 0 0 58,253 Provision for credit loss expense 199 0 0 0 199 Noninterest income 5,976 9,023 4,434 (546) 18,887 Noninterest expense 36,988 6,559 3,348 (546) 46,349 Income before income tax expense 27,041 2,465 1,086 0 30,592 Income tax expense 5,397 670 263 0 6,330 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 21,644 1,795 823 0 24,262 Less: Net income attributable to noncontrolling interests 32 0 0 0 32 Net Income attributable to Tompkins Financial Corporation $ 21,612 $ 1,795 $ 823 $ 0 $ 24,230 Depreciation and amortization $ 2,474 $ 57 $ 18 $ 0 $ 2,549 Assets 7,738,933 42,269 26,956 (13,656) 7,794,502 Goodwill 64,585 19,866 7,996 0 92,447 Other intangibles, net 2,600 2,507 104 0 5,211 Net loans and leases 5,346,004 0 0 0 5,346,004 Deposits 6,613,421 0 0 (12,183) 6,601,238 Total Equity 657,370 32,095 24,146 0 713,611 As of and for the three months ended September 30, 2019 (In thousands) Banking Insurance Wealth Intercompany Consolidated Interest income $ 65,775 $ 1 $ 0 $ (1) $ 65,775 Interest expense 12,620 0 0 (1) 12,619 Net interest income 53,155 1 0 0 53,156 Provision for credit loss expense 1,320 0 0 0 1,320 Noninterest income 7,134 8,620 4,310 (530) 19,534 Noninterest expense 36,309 6,672 3,204 (530) 45,655 Income before income tax expense 22,660 1,949 1,106 0 25,715 Income tax expense 4,669 526 283 0 5,478 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 17,991 1,423 823 0 20,237 Less: Net income attributable to noncontrolling interests 31 0 0 0 31 Net Income attributable to Tompkins Financial Corporation $ 17,960 $ 1,423 $ 823 $ 0 $ 20,206 Depreciation and amortization $ 2,483 $ 56 $ 10 $ 0 $ 2,549 Assets 6,575,073 42,753 23,497 (13,341) 6,627,982 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 3,472 3,011 164 0 6,647 Net loans and leases 4,815,702 0 0 0 4,815,702 Deposits 5,382,174 0 0 (12,184) 5,369,990 Total Equity 605,572 33,116 21,177 0 659,865 Nine months ended September 30, 2020 (In thousands) Banking Insurance Wealth Intercompany Consolidated Interest income $ 190,960 $ 3 $ 0 $ (3) $ 190,960 Interest expense 23,375 0 0 (3) 23,372 Net interest income 167,585 3 0 0 167,588 Provision for credit loss expense 16,145 0 0 0 16,145 Noninterest income 19,217 24,533 12,903 (1,629) 55,024 Noninterest expense 111,387 19,479 9,740 (1,629) 138,977 Income before income tax expense 59,270 5,057 3,163 0 67,490 Income tax expense 11,665 1,362 752 0 13,779 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 47,605 3,695 2,411 0 53,711 Less: Net income attributable to noncontrolling interests 101 0 0 0 101 Net Income attributable to Tompkins Financial Corporation $ 47,504 $ 3,695 $ 2,411 $ 0 $ 53,610 Depreciation and amortization $ 7,443 $ 173 $ 38 $ 0 $ 7,654 Nine months ended September 30, 2019 (In thousands) Banking Insurance Wealth Intercompany Consolidated Interest income $ 196,797 $ 2 $ 0 $ (3) $ 196,796 Interest expense 39,410 0 0 (2) 39,408 Net interest income 157,387 2 0 (1) $ 157,388 Provision for credit loss expense 2,366 0 0 0 2,366 Noninterest income 21,852 24,621 12,567 (1,579) 57,461 Noninterest expense 108,704 19,279 9,529 (1,578) 135,934 Income before income tax expense 68,169 5,344 3,038 (2) $ 76,549 Income tax expense 13,650 1,418 748 0 15,816 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 54,519 3,926 2,290 (2) $ 60,733 Less: Net income attributable to noncontrolling interests 95 0 0 0 95 Net Income attributable to Tompkins Financial Corporation $ 54,424 $ 3,926 $ 2,290 $ (2) $ 60,638 Depreciation and amortization $ 7,296 $ 168 $ 31 $ 0 $ 7,495

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Fair Value Disclosures [Abstract]
Summary of financial assets and financial liabilities measured at fair value on recurring basis	The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis as of September 30, 2020 and December 31, 2019, segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value. Recurring Fair Value Measurements September 30, 2020 (In thousands) Total (Level 1) (Level 2) (Level 3) Available-for-sale debt securities Obligations of U.S. Government sponsored entities $ 612,481 $ 0 $ 612,481 $ 0 Obligations of U.S. states and political subdivisions 129,258 0 129,258 0 Mortgage-backed securities – residential, issued by: U.S. Government agencies 207,501 0 207,501 0 U.S. Government sponsored entities 715,160 0 715,160 0 U.S. corporate debt securities 2,366 0 2,366 0 Total Available-for-sale debt securities $ 1,666,766 $ 0 $ 1,666,766 $ 0 Equity securities, at fair value $ 932 $ 0 $ 0 $ 932 Recurring Fair Value Measurements December 31, 2019 (In thousands) Total (Level 1) (Level 2) (Level 3) Available-for-sale debt securities U.S. Treasuries $ 1,840 $ 0 $ 1,840 $ 0 Obligations of U.S. Government sponsored entities 372,488 0 372,488 0 Obligations of U.S. states and political subdivisions 97,785 0 97,785 0 Mortgage-backed securities – residential, issued by: U.S. Government agencies 164,451 0 164,451 0 U.S. Government sponsored entities 659,590 0 659,590 0 U.S. corporate debt securities 2,433 0 2,433 0 Total Available-for-sale debt securities $ 1,298,587 $ 0 $ 1,298,587 $ 0 Equity securities, at fair value $ 915 $ 0 $ 0 $ 915
Schedule of assets measured at fair value on nonrecurring basis	Three months ended September 30, 2020 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2020 Quoted prices in Significant other Significant Three months ended 9/30/2020 Individually evaluated $ 6,330 $ 0 $ 6,330 $ 0 $ 0 Other real estate owned 36 0 36 0 (4) Three months ended September 30, 2019 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2019 Quoted prices in Significant other Significant Three months ended 9/30/2019 Impaired loans $ 10,096 $ 0 $ 10,096 $ 0 $ (550) Other real estate owned 139 0 139 0 95 Nine months ended September 30, 2020 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2020 Quoted prices in Significant other Significant Nine months ended 9/30/2020 Individually evaluated $ 10,759 $ 0 $ 10,759 $ 0 $ (1,305) Other real estate owned 124 0 124 0 (27) Nine months ended September 30, 2019 (In thousands) Fair value measurements at reporting Gain (losses) Assets: As of 09/30/2019 Quoted prices in Significant other Significant Nine months ended 9/30/2019 Impaired loans $ 12,565 $ 0 $ 12,565 $ 0 $ (4,184) Other real estate owned 888 0 888 0 0
Schedule of carrying amount and estimated fair value of financial instruments	The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments at September 30, 2020 and December 31, 2019. The carrying amounts shown in the table are included in the Consolidated Statements of Condition under the indicated captions. The fair value estimates, methods and assumptions set forth below for the Company's financial instruments, including those financial instruments carried at cost, are made solely to comply with disclosures required by U.S. GAAP and should be read in conjunction with the financial statements and notes included in this Report. Estimated Fair Value of Financial Instruments September 30, 2020 (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 374,739 $ 374,739 $ 374,739 $ 0 $ 0 FHLB and other stock 17,919 17,919 0 17,919 0 Accrued interest receivable 38,212 38,212 0 38,212 0 Loans/leases, net 1 5,346,004 5,370,911 0 10,759 5,360,152 Financial Liabilities: Time deposits $ 706,401 $ 714,256 $ 0 $ 714,256 $ 0 Other deposits 5,894,837 5,894,837 0 5,894,837 0 Fed funds purchased and securities sold under agreements to repurchase 63,573 63,573 0 63,573 0 Other borrowings 285,000 295,374 0 295,374 0 Trust preferred debentures 17,163 21,240 0 21,240 0 Accrued interest payable 1,702 1,702 0 1,702 0 Estimated Fair Value of Financial Instruments December 31, 2019 (In thousands) Carrying Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 137,982 $ 137,982 $ 137,982 $ 0 $ 0 FHLB and other stock 33,695 33,695 0 33,695 0 Accrued interest receivable 19,293 19,293 0 19,293 0 Loans/leases, net 1 4,877,658 4,798,268 0 14,050 4,784,218 Financial Liabilities: Time deposits $ 675,014 $ 677,205 $ 0 $ 677,205 $ 0 Other deposits 4,537,907 4,537,907 0 4,537,907 0 Fed funds purchased and securities sold under agreements to repurchase 60,346 60,346 0 60,346 0 Other borrowings 658,100 659,895 0 659,895 0 Trust preferred debentures 17,035 21,904 0 21,904 0 Accrued interest payable 2,486 2,486 0 2,486 0 1 Lease receivables, although excluded from the scope of ASC Topic 825, are included in the estimated fair value amounts at their carrying value.

Business (Details)

Business (Details)	9 Months Ended
	Sep. 30, 2020subsidiary
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Number of wholly owned subsidiaries	4

Securities - Schedule of Availa

Securities - Schedule of Available-for-Sales Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities	$ 1,637,255	$ 1,293,239
Gross Unrealized Gains	32,487	10,466
Gross Unrealized Losses	2,976	5,118
Fair Value	1,666,766	1,298,587
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities		1,840
Gross Unrealized Gains		0
Gross Unrealized Losses		0
Fair Value		1,840
Obligations of U.S. Government sponsored entities
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities	602,417	367,551
Gross Unrealized Gains	10,881	5,021
Gross Unrealized Losses	817	84
Fair Value	612,481	372,488
Obligations of U.S. states and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities	126,593	96,668
Gross Unrealized Gains	2,840	1,178
Gross Unrealized Losses	175	61
Fair Value	129,258	97,785
U.S. Government agencies
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities	205,507	164,643
Gross Unrealized Gains	2,981	1,327
Gross Unrealized Losses	987	1,519
Fair Value	207,501	164,451
U.S. Government sponsored entities
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities	700,238	660,037
Gross Unrealized Gains	15,785	2,940
Gross Unrealized Losses	863	3,387
Fair Value	715,160	659,590
U.S. corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Total available-for-sale debt securities	2,500	2,500
Gross Unrealized Gains	0	0
Gross Unrealized Losses	134	67
Fair Value	$ 2,366	$ 2,433

Securities - Narrative (Details

Securities - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Realized gains on available-for-sale debt securities	$ 0	$ 133	$ 429	$ 999
Realized losses on available-for-sale debt securities	0	0	0	595
Proceeds from sales of available-for-sale debt securities	0	$ 24,200	42,333	$ 176,249
Realized loss on equity securities, net	2
Realized gains on equity securities, net			17
Federal Home Loan Bank New York (FHLBNY)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Holdings of FHLBNY, FHLBPITT and ACBB stock, amount of advances	11,900		11,900
Federal Home Loan Bank Pittsburgh (FHLBPITT)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Holdings of FHLBNY, FHLBPITT and ACBB stock, amount of advances	5,900		5,900
Atlantic Central Bankers Bank (ACBB)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Holdings of FHLBNY, FHLBPITT and ACBB stock, amount of advances	$ 95		$ 95

Securities - Schedule of Securi

Securities - Schedule of Securities with Unrealized Losses (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Available-for-sale securities
Fair Value, Less than 12 Months	$ 477,272	$ 241,757
Unrealized Losses, Less than 12 Months	2,522	1,371
Fair Value, 12 Months or Longer	10,856	288,210
Unrealized Losses, 12 Months or Longer	454	3,747
Fair Value	488,128	529,967
Unrealized Losses	2,976	5,118
Obligations of U.S. Government sponsored entities
Available-for-sale securities
Fair Value, Less than 12 Months	303,834	18,654
Unrealized Losses, Less than 12 Months	817	76
Fair Value, 12 Months or Longer	0	3,479
Unrealized Losses, 12 Months or Longer	0	8
Fair Value	303,834	22,133
Unrealized Losses	817	84
Obligations of U.S. states and political subdivisions
Available-for-sale securities
Fair Value, Less than 12 Months	15,328	10,456
Unrealized Losses, Less than 12 Months	175	54
Fair Value, 12 Months or Longer	0	2,300
Unrealized Losses, 12 Months or Longer	0	7
Fair Value	15,328	12,756
Unrealized Losses	175	61
U.S. Government agencies
Available-for-sale securities
Fair Value, Less than 12 Months	46,990	54,846
Unrealized Losses, Less than 12 Months	736	489
Fair Value, 12 Months or Longer	2,978	45,999
Unrealized Losses, 12 Months or Longer	251	1,030
Fair Value	49,968	100,845
Unrealized Losses	987	1,519
U.S. Government sponsored entities
Available-for-sale securities
Fair Value, Less than 12 Months	111,120	157,801
Unrealized Losses, Less than 12 Months	794	752
Fair Value, 12 Months or Longer	5,512	233,999
Unrealized Losses, 12 Months or Longer	69	2,635
Fair Value	116,632	391,800
Unrealized Losses	863	3,387
U.S. corporate debt securities
Available-for-sale securities
Fair Value, Less than 12 Months	0	0
Unrealized Losses, Less than 12 Months	0	0
Fair Value, 12 Months or Longer	2,366	2,433
Unrealized Losses, 12 Months or Longer	134	67
Fair Value	2,366	2,433
Unrealized Losses	$ 134	$ 67

Securities - Schedule of Avai_2

Securities - Schedule of Available-for-Sales Securities Amortized Cost and Estimated Fair Value (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Amortized Cost
Total	$ 731,510	$ 468,559
Mortgage-backed securities	905,745	824,680
Total available-for-sale debt securities	1,637,255	1,293,239
Fair Value
Total	744,105	474,546
Mortgage-backed securities	922,661	824,041
Total available-for-sale debt securities	1,666,766	1,298,587
Available-for-sale securities
Amortized Cost
Due in one year or less	53,447	107,975
Due after one year through five years	391,466	270,477
Due after five years through ten years	221,525	77,710
Due after ten years	65,072	12,397
Fair Value
Due in one year or less	54,083	108,089
Due after one year through five years	401,757	274,798
Due after five years through ten years	222,846	79,165
Due after ten years	$ 65,419	$ 12,494

Loans and Leases - Schedule of

Loans and Leases - Schedule of Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 5,410,325	$ 4,921,195
Less: unearned income and deferred costs and fees	(12,028)	(3,645)
Total loans and leases, net of unearned income and deferred costs and fees	5,398,297	4,917,550
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,343,875	1,008,061
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	89,068	105,786
Total loans and leases, net of unearned income and deferred costs and fees	89,068
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	790,749	902,275
Total loans and leases, net of unearned income and deferred costs and fees	790,749
Commercial and industrial | PPP loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	464,058	0
Total loans and leases, net of unearned income and deferred costs and fees	464,058
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,542,608	2,443,565
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	198,049	184,898
Total loans and leases, net of unearned income and deferred costs and fees	198,049
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,161,954	2,045,030
Total loans and leases, net of unearned income and deferred costs and fees	2,161,954
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	182,605	213,637
Total loans and leases, net of unearned income and deferred costs and fees	182,605
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,435,085	1,377,837
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	206,456	219,245
Total loans and leases, net of unearned income and deferred costs and fees	206,456
Residential real estate | Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,228,629	1,158,592
Total loans and leases, net of unearned income and deferred costs and fees	1,228,629
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	73,880	74,410
Consumer and other | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	64,346	61,446
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	9,534	12,964
Total loans and leases, net of unearned income and deferred costs and fees	9,534
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 14,877	$ 17,322

Loans and Leases - Schedule o_2

Loans and Leases - Schedule of Past Due Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Past due loans	$ 24,734
Current Loans	5,385,591	$ 4,899,707
Total	5,410,325	4,921,195
Loans Past Due Over 89 Days and Accruing	0	794
Nonaccrual	26,944	24,281
Less: unearned income and deferred costs and fees	(12,028)	(3,645)
Total loans and leases, net of unearned income and deferred costs and fees	24,734
Total loans and leases, net of unearned income and deferred costs and fees	5,373,563	4,896,062
Total loans and leases, net of unearned income and deferred costs and fees	5,398,297	4,917,550
30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	4,340
Total loans and leases, net of unearned income and deferred costs and fees	4,340
60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	2,535
Total loans and leases, net of unearned income and deferred costs and fees	2,535
90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	17,859	17,764
Total loans and leases, net of unearned income and deferred costs and fees	17,859	17,764
30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		3,724
Total loans and leases, net of unearned income and deferred costs and fees		3,724
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past due loans	2,462
Current Loans	1,341,413	1,005,502
Total	1,343,875	1,008,061
Loans Past Due Over 89 Days and Accruing	0	2
Nonaccrual	1,636	2,335
Commercial and industrial | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	923
Commercial and industrial | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	96
Commercial and industrial | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	1,443	2,146
Commercial and industrial | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		413
Commercial and industrial | Agriculture
Financing Receivable, Past Due [Line Items]
Past due loans	0
Current Loans	89,068	105,721
Total	89,068	105,786
Loans Past Due Over 89 Days and Accruing		0
Nonaccrual		0
Total loans and leases, net of unearned income and deferred costs and fees	89,068
Commercial and industrial | Agriculture | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial and industrial | Agriculture | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial and industrial | Agriculture | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	0	65
Commercial and industrial | Agriculture | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		0
Commercial and industrial | Other
Financing Receivable, Past Due [Line Items]
Past due loans	2,462
Current Loans	788,287	899,781
Total	790,749	902,275
Loans Past Due Over 89 Days and Accruing	0	2
Nonaccrual	1,636	2,335
Total loans and leases, net of unearned income and deferred costs and fees	790,749
Commercial and industrial | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	923
Commercial and industrial | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	96
Commercial and industrial | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	1,443	2,081
Commercial and industrial | Other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		413
Commercial and industrial | PPP loans
Financing Receivable, Past Due [Line Items]
Past due loans	0
Current Loans	464,058
Total	464,058	0
Total loans and leases, net of unearned income and deferred costs and fees	464,058
Commercial and industrial | PPP loans | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial and industrial | PPP loans | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial and industrial | PPP loans | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial real estate
Financing Receivable, Past Due [Line Items]
Past due loans	15,811
Current Loans	2,526,797	2,431,645
Total	2,542,608	2,443,565
Loans Past Due Over 89 Days and Accruing	0	542
Nonaccrual	12,777	10,789
Commercial real estate | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	2,255
Commercial real estate | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	1,079
Commercial real estate | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	12,477	10,780
Commercial real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		1,140
Commercial real estate | Agriculture
Financing Receivable, Past Due [Line Items]
Past due loans	0
Current Loans	198,049	184,898
Total	198,049	184,898
Loans Past Due Over 89 Days and Accruing	0	0
Nonaccrual	120	0
Total loans and leases, net of unearned income and deferred costs and fees	198,049
Commercial real estate | Agriculture | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial real estate | Agriculture | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial real estate | Agriculture | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	0	0
Commercial real estate | Agriculture | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		0
Commercial real estate | Other
Financing Receivable, Past Due [Line Items]
Past due loans	15,811
Current Loans	2,146,143	2,033,110
Total	2,161,954	2,045,030
Loans Past Due Over 89 Days and Accruing	0	542
Nonaccrual	12,657	10,789
Total loans and leases, net of unearned income and deferred costs and fees	2,161,954
Commercial real estate | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	2,255
Commercial real estate | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	1,079
Commercial real estate | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	12,477	10,780
Commercial real estate | Other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		1,140
Commercial real estate | Construction
Financing Receivable, Past Due [Line Items]
Past due loans	0
Current Loans	182,605	213,637
Total	182,605	213,637
Loans Past Due Over 89 Days and Accruing		0
Nonaccrual		0
Total loans and leases, net of unearned income and deferred costs and fees	182,605
Commercial real estate | Construction | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial real estate | Construction | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Commercial real estate | Construction | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	0	0
Commercial real estate | Construction | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		0
Residential real estate
Financing Receivable, Past Due [Line Items]
Past due loans	6,003
Current Loans	1,429,082	1,371,433
Total	1,435,085	1,377,837
Loans Past Due Over 89 Days and Accruing	0	250
Nonaccrual	12,203	10,882
Residential real estate | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	957
Residential real estate | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	1,318
Residential real estate | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	3,728	4,712
Residential real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		1,692
Residential real estate | Home equity
Financing Receivable, Past Due [Line Items]
Past due loans	1,689
Current Loans	204,767	218,170
Total	206,456	219,245
Loans Past Due Over 89 Days and Accruing	0	55
Nonaccrual	2,793	2,796
Total loans and leases, net of unearned income and deferred costs and fees	206,456
Residential real estate | Home equity | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	475
Residential real estate | Home equity | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	135
Residential real estate | Home equity | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	1,079	727
Residential real estate | Home equity | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		348
Residential real estate | Mortgages
Financing Receivable, Past Due [Line Items]
Past due loans	4,314
Current Loans	1,224,315	1,153,263
Total	1,228,629	1,158,592
Loans Past Due Over 89 Days and Accruing	0	195
Nonaccrual	9,410	8,086
Total loans and leases, net of unearned income and deferred costs and fees	1,228,629
Residential real estate | Mortgages | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	482
Residential real estate | Mortgages | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	1,183
Residential real estate | Mortgages | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	2,649	3,985
Residential real estate | Mortgages | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		1,344
Consumer and other
Financing Receivable, Past Due [Line Items]
Past due loans	458
Current Loans	73,422	73,805
Total	73,880	74,410
Loans Past Due Over 89 Days and Accruing	0	0
Nonaccrual	328	275
Consumer and other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	205
Consumer and other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	42
Consumer and other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	211	126
Consumer and other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		479
Consumer and other | Other
Financing Receivable, Past Due [Line Items]
Past due loans	283
Current Loans	64,063	61,213
Total	64,346	61,446
Loans Past Due Over 89 Days and Accruing	0	0
Nonaccrual	184	158
Consumer and other | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	119
Consumer and other | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	10
Consumer and other | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	154	66
Consumer and other | Other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		167
Consumer and other | Indirect
Financing Receivable, Past Due [Line Items]
Past due loans	175
Current Loans	9,359	12,592
Total	9,534	12,964
Loans Past Due Over 89 Days and Accruing	0	0
Nonaccrual	144	117
Total loans and leases, net of unearned income and deferred costs and fees	9,534
Consumer and other | Indirect | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	86
Consumer and other | Indirect | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	32
Consumer and other | Indirect | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	57	60
Consumer and other | Indirect | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		312
Leases
Financing Receivable, Past Due [Line Items]
Past due loans	0
Current Loans	14,877	17,322
Total	14,877	17,322
Loans Past Due Over 89 Days and Accruing	0	0
Nonaccrual	0	0
Leases | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Leases | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans	0
Leases | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due loans	$ 0	0
Leases | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due loans		$ 0

Loans and Leases - Nonaccrual L

Loans and Leases - Nonaccrual Loans (Details) - USD ($)	3 Months Ended	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	$ 24,212,000	$ 24,212,000
Nonaccrual	26,944,000	26,944,000	$ 24,281,000
Loans Past Due Over 89 Days and Accruing	0	0	794,000
Interest on nonaccrual loans	0	0
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	1,469,000	1,469,000
Nonaccrual	1,636,000	1,636,000	2,335,000
Loans Past Due Over 89 Days and Accruing	0	0	2,000
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	1,469,000	1,469,000
Nonaccrual	1,636,000	1,636,000	2,335,000
Loans Past Due Over 89 Days and Accruing	0	0	2,000
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual			0
Loans Past Due Over 89 Days and Accruing			0
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	10,212,000	10,212,000
Nonaccrual	12,777,000	12,777,000	10,789,000
Loans Past Due Over 89 Days and Accruing	0	0	542,000
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	10,092,000	10,092,000
Nonaccrual	12,657,000	12,657,000	10,789,000
Loans Past Due Over 89 Days and Accruing	0	0	542,000
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	120,000	120,000
Nonaccrual	120,000	120,000	0
Loans Past Due Over 89 Days and Accruing	0	0	0
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	12,203,000	12,203,000
Nonaccrual	12,203,000	12,203,000	10,882,000
Loans Past Due Over 89 Days and Accruing	0	0	250,000
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	2,793,000	2,793,000
Nonaccrual	2,793,000	2,793,000	2,796,000
Loans Past Due Over 89 Days and Accruing	0	0	55,000
Residential real estate | Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	9,410,000	9,410,000
Nonaccrual	9,410,000	9,410,000	8,086,000
Loans Past Due Over 89 Days and Accruing	0	0	195,000
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	328,000	328,000
Nonaccrual	328,000	328,000	275,000
Loans Past Due Over 89 Days and Accruing	0	0	0
Consumer and other | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	184,000	184,000
Nonaccrual	184,000	184,000	158,000
Loans Past Due Over 89 Days and Accruing	0	0	0
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	144,000	144,000
Nonaccrual	144,000	144,000	117,000
Loans Past Due Over 89 Days and Accruing	0	0	0
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans with no Allowance for Credit Losses	0	0
Nonaccrual	0	0	0
Loans Past Due Over 89 Days and Accruing	$ 0	$ 0	$ 0

Allowance for Credit Losses - S

Allowance for Credit Losses - Schedule of Detail in Allowance for Loan and Lease Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 52,082	$ 40,790	$ 39,892	$ 43,410
Charge-offs	(175)	(834)	(1,748)	(5,140)
Recoveries	187	95	538	735
Provision for credit loss expense	199	1,320	16,145	2,366
Ending balance	52,293	41,371	52,293	41,371
Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	11,113	11,543	10,541	11,272
Charge-offs	0	(6)	(1)	(489)
Recoveries	89	10	125	92
Provision for credit loss expense	(3,918)	(256)	(1,373)	416
Ending balance	7,284	11,291	7,284	11,291
Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	24,286	21,005	21,608	23,483
Charge-offs	0	(551)	(1,305)	(3,949)
Recoveries	9	2	40	107
Provision for credit loss expense	4,264	2,143	14,133	2,958
Ending balance	28,559	22,599	28,559	22,599
Residential real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	15,012	6,897	6,381	7,345
Charge-offs	(30)	(87)	(33)	(131)
Recoveries	16	15	178	319
Provision for credit loss expense	(65)	(733)	3,948	(1,441)
Ending balance	14,933	6,092	14,933	6,092
Consumer and other
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,596	1,345	1,362	1,310
Charge-offs	(145)	(190)	(409)	(571)
Recoveries	73	68	195	217
Provision for credit loss expense	(75)	166	(549)	433
Ending balance	1,449	1,389	1,449	1,389
Finance Leases
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	75	0	0	0
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision for credit loss expense	(7)	0	(14)	0
Ending balance	$ 68	$ 0	68	$ 0
Impact of adopting ASC 326
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			(2,534)
Impact of adopting ASC 326 | Commercial and industrial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			(2,008)
Impact of adopting ASC 326 | Commercial real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			(5,917)
Impact of adopting ASC 326 | Residential real estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			4,459
Impact of adopting ASC 326 | Consumer and other
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			850
Impact of adopting ASC 326 | Finance Leases
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance			$ 82

Allowance for Credit Losses - C

Allowance for Credit Losses - Collateral Dependent Loans (Details) $ in Thousands	Sep. 30, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 10,618
ACL Allocation	486
Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	10,061
Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	507
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	50
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	590
ACL Allocation	48
Commercial and Industrial | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	33
Commercial and Industrial | Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	507
Commercial and Industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	50
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	8,085
ACL Allocation	436
Commercial Real Estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	1,559
ACL Allocation	0
Commercial Real Estate | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	8,085
Commercial Real Estate | Real Estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	1,559
Commercial Real Estate | Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Commercial Real Estate | Business Assets | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Commercial Real Estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Commercial Real Estate | Other | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Residential real estate | Residential - Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	384
ACL Allocation	2
Residential real estate | Real Estate | Residential - Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	384
Residential real estate | Business Assets | Residential - Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Residential real estate | Other | Residential - Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 0

Allowance for Credit Losses - L

Allowance for Credit Losses - Loans Evaluated for Impairment (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 486
Ending balance	52,293	$ 52,082	$ 39,892	$ 41,371	$ 40,790	$ 43,410
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	48
Ending balance	7,284	11,113	10,541	11,291	11,543	11,272
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	436
Ending balance	28,559	24,286	21,608	22,599	21,005	23,483
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ending balance	14,933	15,012	6,381	6,092	6,897	7,345
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ending balance	1,449	1,596	1,362	1,389	1,345	1,310
Finance Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ending balance	$ 68	$ 75	0	$ 0	$ 0	$ 0
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			907
Collectively evaluated for impairment			38,907
Ending balance			39,814
Originated | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			245
Collectively evaluated for impairment			10,296
Ending balance			10,541
Originated | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			662
Collectively evaluated for impairment			20,895
Ending balance			21,557
Originated | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			6,360
Ending balance			6,360
Originated | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			1,356
Ending balance			1,356
Originated | Finance Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			0
Ending balance			0
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			78
Ending balance			78
Acquired | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			0
Ending balance			0
Acquired | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			51
Ending balance			51
Acquired | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			21
Ending balance			21
Acquired | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			6
Ending balance			6
Acquired | Finance Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment			0
Collectively evaluated for impairment			0
Ending balance			$ 0

Allowance for Credit Losses - R

Allowance for Credit Losses - Recorded Investment in Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 10,618
Total loans and leases, net of unearned income and deferred costs and fees	5,398,297	$ 4,917,550
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	590
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 8,085
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		19,385
Collectively evaluated for impairment		4,681,661
Total loans and leases, net of unearned income and deferred costs and fees		4,701,046
Originated | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		2,110
Collectively evaluated for impairment		966,875
Total loans and leases, net of unearned income and deferred costs and fees		968,985
Originated | Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		13,496
Collectively evaluated for impairment		2,283,152
Total loans and leases, net of unearned income and deferred costs and fees		2,296,648
Originated | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		3,779
Collectively evaluated for impairment		1,340,687
Total loans and leases, net of unearned income and deferred costs and fees		1,344,466
Originated | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		0
Collectively evaluated for impairment		73,625
Total loans and leases, net of unearned income and deferred costs and fees		73,625
Originated | Finance Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		0
Collectively evaluated for impairment		17,322
Total loans and leases, net of unearned income and deferred costs and fees		17,322
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		2,830
Loans acquired with deteriorated credit quality		9,149
Collectively evaluated for impairment		208,170
Total loans and leases, net of unearned income and deferred costs and fees		220,149
Acquired | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		2
Loans acquired with deteriorated credit quality		173
Collectively evaluated for impairment		38,901
Total loans and leases, net of unearned income and deferred costs and fees		39,076
Acquired | Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		714
Loans acquired with deteriorated credit quality		5,674
Collectively evaluated for impairment		140,529
Total loans and leases, net of unearned income and deferred costs and fees		146,917
Acquired | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		2,114
Loans acquired with deteriorated credit quality		3,302
Collectively evaluated for impairment		27,955
Total loans and leases, net of unearned income and deferred costs and fees		33,371
Acquired | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		0
Loans acquired with deteriorated credit quality		0
Collectively evaluated for impairment		785
Total loans and leases, net of unearned income and deferred costs and fees		785
Acquired | Finance Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		0
Loans acquired with deteriorated credit quality		0
Collectively evaluated for impairment		0
Total loans and leases, net of unearned income and deferred costs and fees		$ 0

Allowance for Credit Losses -_2

Allowance for Credit Losses - Recorded Investment and Related Allowance (Details) $ in Thousands	Dec. 31, 2019USD ($)
Originated
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	$ 15,849
Unpaid Principal Balance With No Related Allowance	16,974
Recorded Investment With Related Allowance	3,536
Unpaid Principal Balance With Related Allowance	3,536
Related Allowance	907
Recorded Investment	19,385
Unpaid Principal Balance	20,510
Originated | Commercial and industrial | Other
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	1,865
Unpaid Principal Balance With No Related Allowance	1,965
Recorded Investment With Related Allowance	245
Unpaid Principal Balance With Related Allowance	245
Related Allowance	245
Originated | Commercial real estate | Other
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	10,205
Unpaid Principal Balance With No Related Allowance	11,017
Recorded Investment With Related Allowance	3,291
Unpaid Principal Balance With Related Allowance	3,291
Related Allowance	662
Originated | Residential real estate | Home equity
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	3,779
Unpaid Principal Balance With No Related Allowance	3,992
Acquired
Financing Receivable, Impaired [Line Items]
Recorded Investment	2,830
Unpaid Principal Balance	2,933
Acquired | Commercial and industrial | Other
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	2
Unpaid Principal Balance With No Related Allowance	2
Acquired | Commercial real estate | Other
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	714
Unpaid Principal Balance With No Related Allowance	714
Acquired | Residential real estate | Home equity
Financing Receivable, Impaired [Line Items]
Recorded Investment With No Related Allowance	2,114
Unpaid Principal Balance With No Related Allowance	$ 2,217

Allowance for Credit Losses - A

Allowance for Credit Losses - Average Recorded Investment and Interest Income (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2019
Originated
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	$ 12,848	$ 12,610
Interest Income Recognized With No Related Allowance	0	0
Average Recorded Investment With Related Allowance	1,981	911
Interest Income Recognized With Related Allowance	0	0
Total Average Recorded Investment	14,829	13,521
Total Interest Income Recognized	0	0
Originated | Commercial and industrial | Other
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	1,505	2,123
Interest Income Recognized With No Related Allowance	0	0
Average Recorded Investment With Related Allowance	273	154
Interest Income Recognized With Related Allowance	0	0
Originated | Commercial real estate | Other
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	7,380	6,509
Interest Income Recognized With No Related Allowance	0	0
Average Recorded Investment With Related Allowance	1,708	757
Interest Income Recognized With Related Allowance	0	0
Originated | Residential real estate | Home equity
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	3,963	3,978
Interest Income Recognized With No Related Allowance	0	0
Acquired
Financing Receivable, Impaired [Line Items]
Total Average Recorded Investment	3,471	3,468
Total Interest Income Recognized	0	0
Acquired | Commercial and industrial | Other
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	29	28
Interest Income Recognized With No Related Allowance	0	0
Acquired | Commercial real estate | Other
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	857	834
Interest Income Recognized With No Related Allowance	0	0
Acquired | Residential real estate | Home equity
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	2,585	2,606
Interest Income Recognized With No Related Allowance	$ 0	$ 0

Allowance for Credit Losses -_3

Allowance for Credit Losses - Loans Modified in Troubled Debt Restructuring (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan	Sep. 30, 2020USD ($)loan	Sep. 30, 2019USD ($)loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	2	2	4	4
Pre- Modification Outstanding Recorded Investment	$ 200	$ 1,586	$ 321	$ 2,349
Post-Modification Outstanding Recorded Investment	$ 200	$ 1,586	$ 321	$ 2,349
Number of Loans | loan	0	1,000	2	1
Post- Modification Outstanding Recorded Investment	$ 0	$ 93	$ 124	$ 93
Commercial real estate | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	1	1	1	1
Pre- Modification Outstanding Recorded Investment	$ 196	$ 1,577	$ 196	$ 1,577
Post-Modification Outstanding Recorded Investment	$ 196	$ 1,577	$ 196	$ 1,577
Number of Loans | loan	0	0	1	0
Post- Modification Outstanding Recorded Investment	$ 0	$ 0	$ 37	$ 0
Residential real estate | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan		0	2	1
Pre- Modification Outstanding Recorded Investment		$ 0	$ 121	$ 168
Post-Modification Outstanding Recorded Investment		$ 0	$ 121	$ 168
Number of Loans | loan		1,000	1	1
Post- Modification Outstanding Recorded Investment		$ 93	$ 87	$ 93
Commercial and Industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan		1	0	2
Pre- Modification Outstanding Recorded Investment		$ 9	$ 0	$ 604
Post-Modification Outstanding Recorded Investment		$ 9	$ 0	$ 604
Number of Loans | loan		0	0	0
Post- Modification Outstanding Recorded Investment		$ 0	$ 0	$ 0
Consumer and Other | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	1		1
Pre- Modification Outstanding Recorded Investment	$ 4		$ 4
Post-Modification Outstanding Recorded Investment	$ 4		$ 4
Number of Loans | loan	0		0
Post- Modification Outstanding Recorded Investment	$ 0		$ 0

Allowance for Credit Losses -_4

Allowance for Credit Losses - Credit Quality Indicators by Commercial and Industrial Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees	$ 5,398,297	$ 4,917,550
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	61,883
2021	78,837
2022	62,817
2023	66,828
2024	41,087
Prior	304,095
Revolving Loans Amortized Cost Basis	163,412
Revolving Loans Converted to Term	11,790
Total loans and leases, net of unearned income and deferred costs and fees	790,749
Commercial and industrial | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	61,772
2021	78,283
2022	61,289
2023	65,282
2024	38,317
Prior	303,190
Revolving Loans Amortized Cost Basis	160,124
Revolving Loans Converted to Term	11,790
Total loans and leases, net of unearned income and deferred costs and fees	780,047
Commercial and industrial | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	69
2021	494
2022	529
2023	1,281
2024	2,458
Prior	26
Revolving Loans Amortized Cost Basis	1,456
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	6,313
Commercial and industrial | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	42
2021	60
2022	999
2023	265
2024	312
Prior	879
Revolving Loans Amortized Cost Basis	1,832
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	4,389
Commercial and industrial | PPP loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	464,058
2021	0
2022	0
2023	0
2024	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	464,058
Commercial and industrial | PPP loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	464,058
2021	0
2022	0
2023	0
2024	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	464,058
Commercial and industrial | PPP loans | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	0
2022	0
2023	0
2024	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	0
Commercial and industrial | PPP loans | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	0
2022	0
2023	0
2024	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	0
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	11,303
2021	9,219
2022	13,219
2023	8,051
2024	3,857
Prior	5,243
Revolving Loans Amortized Cost Basis	37,709
Revolving Loans Converted to Term	467
Total loans and leases, net of unearned income and deferred costs and fees	89,068
Commercial and industrial | Agriculture | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	11,203
2021	9,128
2022	13,160
2023	7,060
2024	3,857
Prior	2,934
Revolving Loans Amortized Cost Basis	33,800
Revolving Loans Converted to Term	467
Total loans and leases, net of unearned income and deferred costs and fees	81,609
Commercial and industrial | Agriculture | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	0
2022	59
2023	771
2024	0
Prior	0
Revolving Loans Amortized Cost Basis	1,681
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	2,511
Commercial and industrial | Agriculture | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	100
2021	91
2022	0
2023	220
2024	0
Prior	2,309
Revolving Loans Amortized Cost Basis	2,228
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	4,948
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	158,013
2021	250,967
2022	260,254
2023	257,264
2024	340,147
Prior	785,322
Revolving Loans Amortized Cost Basis	65,947
Revolving Loans Converted to Term	44,039
Total loans and leases, net of unearned income and deferred costs and fees	2,161,954
Commercial real estate | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	157,664
2021	234,828
2022	240,343
2023	246,787
2024	304,856
Prior	732,205
Revolving Loans Amortized Cost Basis	65,076
Revolving Loans Converted to Term	44,039
Total loans and leases, net of unearned income and deferred costs and fees	2,025,798
Commercial real estate | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	14,439
2022	19,172
2023	6,869
2024	34,367
Prior	30,733
Revolving Loans Amortized Cost Basis	526
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	106,106
Commercial real estate | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	349
2021	1,700
2022	739
2023	3,608
2024	924
Prior	22,385
Revolving Loans Amortized Cost Basis	345
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	30,050
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	18,441
2021	35,850
2022	45,570
2023	24,991
2024	19,344
Prior	47,685
Revolving Loans Amortized Cost Basis	513
Revolving Loans Converted to Term	5,655
Total loans and leases, net of unearned income and deferred costs and fees	198,049
Commercial real estate | Agriculture | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	16,925
2021	35,850
2022	44,991
2023	21,833
2024	17,562
Prior	45,966
Revolving Loans Amortized Cost Basis	121
Revolving Loans Converted to Term	5,655
Total loans and leases, net of unearned income and deferred costs and fees	188,903
Commercial real estate | Agriculture | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,516
2021	0
2022	579
2023	1,379
2024	1,064
Prior	150
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	4,688
Commercial real estate | Agriculture | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	0
2022	0
2023	1,779
2024	718
Prior	1,569
Revolving Loans Amortized Cost Basis	392
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	4,458
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	12,983
2021	22,285
2022	8,019
2023	2,629
2024	2,018
Prior	9,182
Revolving Loans Amortized Cost Basis	110,055
Revolving Loans Converted to Term	15,434
Total loans and leases, net of unearned income and deferred costs and fees	182,605
Commercial real estate | Construction | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	12,983
2021	22,285
2022	8,019
2023	2,629
2024	2,018
Prior	8,324
Revolving Loans Amortized Cost Basis	107,970
Revolving Loans Converted to Term	15,434
Total loans and leases, net of unearned income and deferred costs and fees	179,662
Commercial real estate | Construction | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	0
2022	0
2023	0
2024	0
Prior	529
Revolving Loans Amortized Cost Basis	2,085
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	2,614
Commercial real estate | Construction | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	0
2022	0
2023	0
2024	0
Prior	329
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	$ 329
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		4,701,046
Originated | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		3,265,633
Originated | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		3,177,741
Originated | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		29,800
Originated | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		58,092
Originated | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		968,985
Originated | Commercial and industrial | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		863,199
Originated | Commercial and industrial | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		851,517
Originated | Commercial and industrial | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		8,306
Originated | Commercial and industrial | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		3,376
Originated | Commercial and industrial | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		105,786
Originated | Commercial and industrial | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		89,892
Originated | Commercial and industrial | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,698
Originated | Commercial and industrial | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		14,196
Originated | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		2,296,648
Originated | Commercial real estate | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,899,645
Originated | Commercial real estate | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,857,142
Originated | Commercial real estate | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		16,623
Originated | Commercial real estate | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		25,880
Originated | Commercial real estate | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		184,701
Originated | Commercial real estate | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		166,888
Originated | Commercial real estate | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		3,173
Originated | Commercial real estate | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		14,640
Originated | Commercial real estate | Construction | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		212,302
Originated | Commercial real estate | Construction | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		212,302
Originated | Commercial real estate | Construction | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Originated | Commercial real estate | Construction | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		220,149
Acquired | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		185,993
Acquired | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		183,586
Acquired | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		2,407
Acquired | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		39,076
Acquired | Commercial and industrial | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		39,076
Acquired | Commercial and industrial | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		38,879
Acquired | Commercial and industrial | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial and industrial | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		197
Acquired | Commercial and industrial | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial and industrial | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial and industrial | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial and industrial | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		146,917
Acquired | Commercial real estate | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		145,385
Acquired | Commercial real estate | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		143,175
Acquired | Commercial real estate | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial real estate | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		2,210
Acquired | Commercial real estate | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		197
Acquired | Commercial real estate | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		197
Acquired | Commercial real estate | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial real estate | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial real estate | Construction | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,335
Acquired | Commercial real estate | Construction | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,335
Acquired | Commercial real estate | Construction | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Commercial real estate | Construction | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		$ 0

Allowance for Credit Losses -_5

Allowance for Credit Losses - Credit Quality Indicators by Class of Residential Real Estate and Consumer Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees	$ 5,398,297	$ 4,917,550
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,297
2021	2,819
2022	1,235
2023	2,088
2024	1,020
Prior	1,963
Revolving Loans Amortized Cost Basis	194,737
Revolving Loans Converted to Term	1,297
Total loans and leases, net of unearned income and deferred costs and fees	206,456
Residential real estate | Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	232,860
2021	198,980
2022	130,181
2023	166,782
2024	193,071
Prior	293,360
Revolving Loans Amortized Cost Basis	12,451
Revolving Loans Converted to Term	944
Total loans and leases, net of unearned income and deferred costs and fees	1,228,629
Residential real estate | Performing | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,297
2021	2,801
2022	1,235
2023	2,088
2024	823
Prior	1,573
Revolving Loans Amortized Cost Basis	192,549
Revolving Loans Converted to Term	1,297
Total loans and leases, net of unearned income and deferred costs and fees	203,663
Residential real estate | Performing | Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	232,860
2021	198,718
2022	129,779
2023	166,414
2024	191,858
Prior	286,255
Revolving Loans Amortized Cost Basis	12,391
Revolving Loans Converted to Term	944
Total loans and leases, net of unearned income and deferred costs and fees	1,219,219
Residential real estate | Nonperforming | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	18
2022	0
2023	0
2024	197
Prior	390
Revolving Loans Amortized Cost Basis	2,188
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	2,793
Residential real estate | Nonperforming | Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	262
2022	402
2023	368
2024	1,213
Prior	7,105
Revolving Loans Amortized Cost Basis	60
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	9,410
Consumer and other | Direct
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	12,884
2021	12,624
2022	8,843
2023	7,547
2024	3,219
Prior	11,907
Revolving Loans Amortized Cost Basis	7,322
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	64,346
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,266
2021	2,261
2022	3,873
2023	1,391
2024	551
Prior	192
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	9,534
Consumer and other | Performing | Direct
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	12,884
2021	12,595
2022	8,728
2023	7,534
2024	3,219
Prior	11,904
Revolving Loans Amortized Cost Basis	7,298
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	64,162
Consumer and other | Performing | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,266
2021	2,200
2022	3,840
2023	1,388
2024	521
Prior	175
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	9,390
Consumer and other | Nonperforming | Direct
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	29
2022	115
2023	13
2024	0
Prior	3
Revolving Loans Amortized Cost Basis	24
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	184
Consumer and other | Nonperforming | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2021	61
2022	33
2023	3
2024	30
Prior	17
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total loans and leases, net of unearned income and deferred costs and fees	$ 144
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		4,701,046
Originated | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,418,091
Originated | Performing | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,408,557
Originated | Nonperforming | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		9,534
Originated | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,344,466
Originated | Residential real estate | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		203,894
Originated | Residential real estate | Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,140,572
Originated | Residential real estate | Performing | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		201,970
Originated | Residential real estate | Performing | Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,133,237
Originated | Residential real estate | Nonperforming | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,924
Originated | Residential real estate | Nonperforming | Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		7,335
Originated | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		73,625
Originated | Consumer and other | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		12,964
Originated | Consumer and other | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		60,661
Originated | Consumer and other | Performing | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		12,847
Originated | Consumer and other | Performing | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		60,503
Originated | Consumer and other | Nonperforming | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		117
Originated | Consumer and other | Nonperforming | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		158
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		220,149
Acquired | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		34,156
Acquired | Performing | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		32,533
Acquired | Nonperforming | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		1,623
Acquired | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		33,371
Acquired | Residential real estate | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		15,351
Acquired | Residential real estate | Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		18,020
Acquired | Residential real estate | Performing | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		14,479
Acquired | Residential real estate | Performing | Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		17,269
Acquired | Residential real estate | Nonperforming | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		872
Acquired | Residential real estate | Nonperforming | Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		751
Acquired | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		785
Acquired | Consumer and other | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Consumer and other | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		785
Acquired | Consumer and other | Performing | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Consumer and other | Performing | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		785
Acquired | Consumer and other | Nonperforming | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		0
Acquired | Consumer and other | Nonperforming | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases, net of unearned income and deferred costs and fees		$ 0

Earnings Per Share - Schedule o

Earnings Per Share - Schedule of Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Basic
Net income available to common shareholders	$ 24,230	$ 20,206	$ 53,610	$ 60,638
Less: income attributable to unvested stock-based compensation awards	(278)	(317)	(628)	(972)
Net earnings allocated to common shareholders	$ 23,952	$ 19,889	$ 52,982	$ 59,666
Weighted average shares outstanding, including unvested stock-based compensation awards (in shares)	14,920,924	15,063,202	14,929,628	15,204,170
Less: unvested stock-based compensation awards (in shares)	(223,392)	(236,088)	(230,181)	(236,088)
Weighted average shares outstanding - Basic (in shares)	14,697,532	14,827,114	14,699,447	14,968,082
Diluted
Net earnings allocated to common shareholders	$ 23,952	$ 19,889	$ 52,982	$ 59,666
Weighted average shares outstanding - Basic (in shares)	14,697,532	14,827,114	14,699,447	14,968,082
Plus: Incremental shares from assumed conversion of stock-based compensation awards (in shares)	30,209	60,512	39,474	67,698
Weighted average shares outstanding - Diluted (in shares)	14,727,741	14,887,626	14,738,921	15,035,780
Basic EPS (in dollars per share)	$ 1.63	$ 1.34	$ 3.60	$ 3.99
Diluted EPS (in dollars per share)	$ 1.63	$ 1.34	$ 3.59	$ 3.97

Earnings Per Share - Narrative

Earnings Per Share - Narrative (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Earnings Per Share [Abstract]
Antidilutive securities excluded from computation of earning per share (in shares)	10,449	17,956	10,090	18,396

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) - Schedule of Reclassifications (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Before-Tax Amount
Net unrealized gains/losses / Other comprehensive income (loss)	$ (3,728)	$ 4,404	$ 26,098	$ 34,853
Tax (Expense) Benefit
Net unrealized gains/losses / Other comprehensive income (loss)	912	(1,081)	(6,398)	(8,539)
Net of Tax
Other comprehensive (loss) income	(2,816)	3,323	19,700	26,314
Net unrealized gain/loss
Before-Tax Amount
Change in net unrealized gain/loss during the period	(4,374)	4,122	24,592	34,014
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	0	(133)	(429)	(404)
Net unrealized gains/losses / Other comprehensive income (loss)	(4,374)	3,989	24,163	33,610
Tax (Expense) Benefit
Change in net unrealized gain/loss during the period	1,071	(1,011)	(6,029)	(8,333)
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	0	32	105	99
Net unrealized gains/losses / Other comprehensive income (loss)	1,071	(979)	(5,924)	(8,234)
Net of Tax
Change in net unrealized gain/loss during the period	(3,303)	3,111	18,563	25,681
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	0	(101)	(324)	(305)
Other comprehensive (loss) income	(3,303)	3,010	18,239	25,376
Amortization of net retirement plan actuarial gain/loss
Before-Tax Amount
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	593	411	1,775	1,232
Tax (Expense) Benefit
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	(146)	(101)	(435)	(302)
Net of Tax
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	447	310	1,340	930
Amortization of net retirement plan prior service cost
Before-Tax Amount
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	53	4	160	11
Tax (Expense) Benefit
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	(13)	(1)	(39)	(3)
Net of Tax
Reclassification adjustment for net realized gain on sale of available-for-sale debt securities included in net income	40	3	121	8
Employee benefit plans
Before-Tax Amount
Net unrealized gains/losses / Other comprehensive income (loss)	646	415	1,935	1,243
Tax (Expense) Benefit
Net unrealized gains/losses / Other comprehensive income (loss)	(159)	(102)	(474)	(305)
Net of Tax
Other comprehensive (loss) income	$ 487	$ 313	$ 1,461	$ 938

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) - Schedule of Activity (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at Beginning	$ 698,029	$ 657,677	$ 663,054	$ 620,871
Other comprehensive (loss) income	(2,816)	3,323	19,700	26,314
Balances at Ending	713,611	659,865	713,611	659,865
Available-for- Sale Debt Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at Beginning	25,581	(1,223)	4,039	(23,589)
Other comprehensive (loss) income before reclassifications	(3,303)	3,111	18,563	25,681
Amounts reclassified from accumulated other comprehensive (loss) income	0	(101)	(324)	(305)
Other comprehensive (loss) income	(3,303)	3,010	18,239	25,376
Balances at Ending	22,278	1,787	22,278	1,787
Employee Benefit Plans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at Beginning	(46,629)	(38,951)	(47,603)	(39,576)
Other comprehensive (loss) income before reclassifications	0	0	0	0
Amounts reclassified from accumulated other comprehensive (loss) income	487	313	1,461	938
Other comprehensive (loss) income	487	313	1,461	938
Balances at Ending	(46,142)	(38,638)	(46,142)	(38,638)
Accumulated Other Comprehensive (Loss) Income
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at Beginning	(21,048)	(40,174)	(43,564)	(63,165)
Other comprehensive (loss) income before reclassifications	(3,303)	3,111	18,563	25,681
Amounts reclassified from accumulated other comprehensive (loss) income	487	212	1,137	633
Other comprehensive (loss) income	(2,816)	3,323	19,700	26,314
Balances at Ending	$ (23,864)	$ (36,851)	$ (23,864)	$ (36,851)

Other Comprehensive Income (L_5

Other Comprehensive Income (Loss) - Schedule of Amounts Reclassified Out of Each Component (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Net gain on securities transactions	$ 30,592	$ 25,715	$ 67,490	$ 76,549
Tax (expense) benefit	(6,330)	(5,478)	(13,779)	(15,816)
Other operating expense	(10,289)	(11,298)	(34,826)	(35,451)
Net of tax	24,230	20,206	53,610	60,638
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Available-for-sale securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Net gain on securities transactions	0	133	429	404
Tax (expense) benefit	0	(32)	(105)	(99)
Net of tax	0	101	324	305
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Net retirement plan actuarial loss
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Other operating expense	(593)	(411)	(1,775)	(1,232)
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Net retirement plan prior service cost
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Other operating expense	(53)	(4)	(160)	(11)
Amount Reclassified from Accumulated Other Comprehensive (Loss) Income | Employee benefit plans
Reclassification Adjustment out of Accumulated Other Comprehensive Income on Derivatives [Line Items]
Net gain on securities transactions	(646)	(415)	(1,935)	(1,243)
Tax (expense) benefit	159	102	474	305
Net of tax	$ (487)	$ (313)	$ (1,461)	$ (938)

Employee Benefit Plan - Schedul

Employee Benefit Plan - Schedule of Components of Net Periodic Benefit Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Pension Benefits
Components of net periodic benefit cost
Service cost	$ 0	$ 0	$ 0	$ 0
Interest cost	593	734	1,778	2,202
Expected return on plan assets	(1,354)	(1,233)	(4,062)	(3,699)
Amortization of net retirement plan actuarial loss	353	333	1,058	1,000
Amortization of net retirement plan prior service (credit) cost	(2)	(3)	(7)	(8)
Net periodic benefit (income) cost	(410)	(169)	(1,233)	(505)
Life and Health
Components of net periodic benefit cost
Service cost	43	40	129	120
Interest cost	61	72	183	217
Expected return on plan assets	0	0	0	0
Amortization of net retirement plan actuarial loss	39	0	116	0
Amortization of net retirement plan prior service (credit) cost	(15)	(15)	(45)	(46)
Net periodic benefit (income) cost	128	97	383	291
SERP Benefits
Components of net periodic benefit cost
Service cost	54	38	161	115
Interest cost	228	228	685	684
Expected return on plan assets	0	0	0	0
Amortization of net retirement plan actuarial loss	200	78	600	232
Amortization of net retirement plan prior service (credit) cost	71	22	214	65
Net periodic benefit (income) cost	$ 553	$ 366	$ 1,660	$ 1,096

Employee Benefit Plan - Narrati

Employee Benefit Plan - Narrative (Details) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Retirement Benefits [Abstract]
Amortization of amounts previously recognized in accumulated other comprehensive income (loss)	$ 1,461,000	$ 938,000
Contribution to pension plan	$ 0	$ 0

Other Income and Operating Ex_3

Other Income and Operating Expense (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Other Income and Expenses [Abstract]
Reporting threshold for other income and operating expenses (percent, greater than)			1.00%
Noninterest Income
Other service charges	$ 720	$ 809	$ 2,108	$ 2,405
Increase in cash surrender value of corporate owned life insurance	559	425	1,617	1,612
Net gains on the sales of loans originated for sale	378	25	1,245	139
Other income	161	704	1,418	2,091
Total other income	1,818	1,963	6,388	6,247
Noninterest Expenses
Marketing expense	927	899	2,806	3,706
Professional fees	1,398	2,426	4,654	7,169
Legal fees	418	347	955	788
Technology expense	2,941	2,813	8,771	8,016
Cardholder expense	827	811	2,396	2,372
Off-balance sheet commitments	(417)	0	1,273	0
Other expenses	4,195	4,002	13,971	13,400
Other operating expense	$ 10,289	$ 11,298	$ 34,826	$ 35,451

Revenue Recognition - Schedule

Revenue Recognition - Schedule of Disaggregation (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	$ 17,356	$ 17,739	$ 49,027	$ 51,658
Noninterest Income (out-of-scope of ASC 606)	1,531	1,795	5,997	5,803
Total Noninterest Income	18,887	19,534	55,024	57,461
Commissions and Fees
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	8,136	7,918	22,545	21,984
Installment Billing
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	175	150	96	58
Refund of Commissions
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	(104)	(51)	(458)	(31)
Contract Liabilities/Deferred Revenue
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	0	0	(208)	(188)
Contingent Commissions
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	709	500	2,241	2,491
Subtotal Insurance Revenues
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	8,916	8,517	24,216	24,314
Trust and Asset Management
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	3,070	2,920	8,798	8,417
Mutual Fund & Investment Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	1,222	1,255	3,616	3,749
Subtotal Investment Service Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	4,292	4,175	12,414	12,166
Service Charges on Deposit Accounts
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	1,444	2,191	4,675	6,210
Card Services Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	2,419	2,550	6,885	8,090
Other
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	$ 285	$ 306	$ 837	$ 878

Revenue Recognition - Narrative

Revenue Recognition - Narrative (Details) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Dec. 31, 2019
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Contract with customer, liability	$ 448	$ 2,000
Performance obligation, description of timing	one year
Insurance
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Contract with customer, asset, net	$ 4,800	4,700
Wealth Management
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Contract with customer, asset, net	$ 2,000	$ 2,000

Financial Guarantees (Details)

Financial Guarantees (Details) - USD ($) $ in Millions	Sep. 30, 2020	Dec. 31, 2019
Guarantees [Abstract]
Obligations to extend credit for loan commitments	$ 32	$ 28.2

Segment and Related Informati_3

Segment and Related Information - Narrative (Details)	9 Months Ended
	Sep. 30, 2020officesubsidiary_bankbanking_officesegment
Segment Reporting Information [Line Items]
Number of reportable segments | segment	3
Nature of operations, number of subsidiary banks | subsidiary_bank	4
Tompkins, Cayuga, Cortland and Schuyler Counties, New York
Segment Reporting Information [Line Items]
Nature of operations, number of banking offices	14
Wyoming, Livingston, Genessee, Orleans and Monroe, New York
Segment Reporting Information [Line Items]
Nature of operations, number of banking offices	16
Putnam Country, Dutchess Country and Westchester, New York
Segment Reporting Information [Line Items]
Nature of operations, number of banking offices	14
Berks, Montgomery, Philadelphia, Deleware and Schuylkill, Pennsylvania
Segment Reporting Information [Line Items]
Nature of operations, number of banking offices	20
Western New York
Segment Reporting Information [Line Items]
Number of offices | office	5
Tompkins Insurance Agencies Inc
Segment Reporting Information [Line Items]
Noncontrolling interest, ownership percentage by parent	100.00%

Segment and Related Informati_4

Segment and Related Information - Schedule of Segment and Related Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Interest income	$ 64,316	$ 65,775	$ 190,960	$ 196,796
Interest expense	6,063	12,619	23,372	39,408
Net Interest Income	58,253	53,156	167,588	157,388
Provision for credit loss expense	199	1,320	16,145	2,366
Noninterest income	18,887	19,534	55,024	57,461
Noninterest expense	46,349	45,655	138,977	135,934
Income Before Income Tax Expense	30,592	25,715	67,490	76,549
Income tax expense	6,330	5,478	13,779	15,816
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	24,262	20,237	53,711	60,733
Less:  Net income attributable to noncontrolling interests	32	31	101	95
Net Income Attributable to Tompkins Financial Corporation	24,230	20,206	53,610	60,638
Depreciation and amortization	2,549	2,549	7,654	7,495
Assets	7,794,502	6,627,982	7,794,502	6,627,982		$ 6,725,623
Goodwill	92,447	92,447	92,447	92,447		92,447
Other intangibles, net	5,211	6,647	5,211	6,647		6,223
Net Loans and Leases	5,346,004	4,815,702	5,346,004	4,815,702		4,877,658
Deposits	6,601,238	5,369,990	6,601,238	5,369,990		5,212,921
Total Equity	713,611	659,865	713,611	659,865	$ 698,029	$ 663,054	$ 657,677	$ 620,871
Operating Segments | Banking
Segment Reporting Information [Line Items]
Interest income	64,316	65,775	190,960	196,797
Interest expense	6,064	12,620	23,375	39,410
Net Interest Income	58,252	53,155	167,585	157,387
Provision for credit loss expense	199	1,320	16,145	2,366
Noninterest income	5,976	7,134	19,217	21,852
Noninterest expense	36,988	36,309	111,387	108,704
Income Before Income Tax Expense	27,041	22,660	59,270	68,169
Income tax expense	5,397	4,669	11,665	13,650
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	21,644	17,991	47,605	54,519
Less:  Net income attributable to noncontrolling interests	32	31	101	95
Net Income Attributable to Tompkins Financial Corporation	21,612	17,960	47,504	54,424
Depreciation and amortization	2,474	2,483	7,443	7,296
Assets	7,738,933	6,575,073	7,738,933	6,575,073
Goodwill	64,585	64,370	64,585	64,370
Other intangibles, net	2,600	3,472	2,600	3,472
Net Loans and Leases	5,346,004	4,815,702	5,346,004	4,815,702
Deposits	6,613,421	5,382,174	6,613,421	5,382,174
Total Equity	657,370	605,572	657,370	605,572
Operating Segments | Insurance
Segment Reporting Information [Line Items]
Interest income	1	1	3	2
Interest expense	0	0	0	0
Net Interest Income	1	1	3	2
Provision for credit loss expense	0	0	0	0
Noninterest income	9,023	8,620	24,533	24,621
Noninterest expense	6,559	6,672	19,479	19,279
Income Before Income Tax Expense	2,465	1,949	5,057	5,344
Income tax expense	670	526	1,362	1,418
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	1,795	1,423	3,695	3,926
Less:  Net income attributable to noncontrolling interests	0	0	0	0
Net Income Attributable to Tompkins Financial Corporation	1,795	1,423	3,695	3,926
Depreciation and amortization	57	56	173	168
Assets	42,269	42,753	42,269	42,753
Goodwill	19,866	19,866	19,866	19,866
Other intangibles, net	2,507	3,011	2,507	3,011
Net Loans and Leases	0	0	0	0
Deposits	0	0	0	0
Total Equity	32,095	33,116	32,095	33,116
Operating Segments | Wealth Management
Segment Reporting Information [Line Items]
Interest income	0	0	0	0
Interest expense	0	0	0	0
Net Interest Income	0	0	0	0
Provision for credit loss expense	0	0	0	0
Noninterest income	4,434	4,310	12,903	12,567
Noninterest expense	3,348	3,204	9,740	9,529
Income Before Income Tax Expense	1,086	1,106	3,163	3,038
Income tax expense	263	283	752	748
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	823	823	2,411	2,290
Less:  Net income attributable to noncontrolling interests	0	0	0	0
Net Income Attributable to Tompkins Financial Corporation	823	823	2,411	2,290
Depreciation and amortization	18	10	38	31
Assets	26,956	23,497	26,956	23,497
Goodwill	7,996	8,211	7,996	8,211
Other intangibles, net	104	164	104	164
Net Loans and Leases	0	0	0	0
Deposits	0	0	0	0
Total Equity	24,146	21,177	24,146	21,177
Intercompany
Segment Reporting Information [Line Items]
Interest income	(1)	(1)	(3)	(3)
Interest expense	(1)	(1)	(3)	(2)
Net Interest Income	0	0	0	(1)
Provision for credit loss expense	0	0	0	0
Noninterest income	(546)	(530)	(1,629)	(1,579)
Noninterest expense	(546)	(530)	(1,629)	(1,578)
Income Before Income Tax Expense	0	0	0	(2)
Income tax expense	0	0	0	0
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	0	0	0	(2)
Less:  Net income attributable to noncontrolling interests	0	0	0	0
Net Income Attributable to Tompkins Financial Corporation	0	0	0	(2)
Depreciation and amortization	0	0	0	0
Assets	(13,656)	(13,341)	(13,656)	(13,341)
Goodwill	0	0	0	0
Other intangibles, net	0	0	0	0
Net Loans and Leases	0	0	0	0
Deposits	(12,183)	(12,184)	(12,183)	(12,184)
Total Equity	$ 0	$ 0	$ 0	$ 0

Fair Value Measurements - Summa

Fair Value Measurements - Summary of Financial Assets and Financial Liabilities Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	$ 1,666,766	$ 1,298,587
Equity securities, at fair value	932	915
U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities		1,840
Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	612,481	372,488
Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	129,258	97,785
U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	207,501	164,451
U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	715,160	659,590
U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,366	2,433
Recurring | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,666,766	1,298,587
Recurring | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. Treasuries | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities		0
Recurring | U.S. Treasuries | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities		1,840
Recurring | U.S. Treasuries | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities		0
Recurring | Obligations of U.S. Government sponsored entities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Obligations of U.S. Government sponsored entities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	612,481	372,488
Recurring | Obligations of U.S. Government sponsored entities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Obligations of U.S. states and political subdivisions | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Obligations of U.S. states and political subdivisions | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	129,258	97,785
Recurring | Obligations of U.S. states and political subdivisions | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. Government agencies | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. Government agencies | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	207,501	164,451
Recurring | U.S. Government agencies | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. Government sponsored entities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. Government sponsored entities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	715,160	659,590
Recurring | U.S. Government sponsored entities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. corporate debt securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | U.S. corporate debt securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,366	2,433
Recurring | U.S. corporate debt securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	0	0
Recurring | Equity securities | Level 1
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	0	0
Recurring | Equity securities | Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	0	0
Recurring | Equity securities | Level 3
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	932	915
Recurring | Fair Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	1,666,766	1,298,587
Recurring | Fair Value | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities		1,840
Recurring | Fair Value | Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	612,481	372,488
Recurring | Fair Value | Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	129,258	97,785
Recurring | Fair Value | U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	207,501	164,451
Recurring | Fair Value | U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	715,160	659,590
Recurring | Fair Value | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Available-for-sale securities	2,366	2,433
Recurring | Fair Value | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities, at fair value	$ 932	$ 915

Fair Value Measurements - Sched

Fair Value Measurements - Schedule of Assets Measured at Fair Value on Nonrecurring Basis (Details) - Non-Recurring - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated	$ 6,330	$ 10,096	$ 10,759	$ 12,565
Gain (losses) from fair value changes on impaired loans	0	(550)	(1,305)	(4,184)
Other real estate owned	36	139	124	888
Gain (losses) from fair value changes on other real estate owned	(4)	95	(27)	0
Quoted prices in active markets for identical assets (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated	0	0	0	0
Other real estate owned	0	0	0	0
Significant other observable inputs (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated	6,330	10,096	10,759	12,565
Other real estate owned	36	139	124	888
Significant unobservable inputs (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated	0	0	0	0
Other real estate owned	$ 0	$ 0	$ 0	$ 0

Fair Value Measurements - Sch_2

Fair Value Measurements - Schedule of Carrying Amount and Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Financial Assets:
FHLB and other stock	$ 17,919	$ 33,695
Financial Liabilities:
Time deposits	706,401	675,014
Fed funds purchased and securities sold under agreements to repurchase	63,573	60,346
Other borrowings	285,000	658,100
Trust preferred debentures	17,163	17,035
Level 1
Financial Assets:
Cash and cash equivalents	374,739	137,982
FHLB and other stock	0	0
Accrued interest receivable	0	0
Loans/leases, net	0	0
Financial Liabilities:
Time deposits	0	0
Other deposits	0	0
Fed funds purchased and securities sold under agreements to repurchase	0	0
Other borrowings	0	0
Trust preferred debentures	0	0
Accrued interest payable	0	0
Level 2
Financial Assets:
Cash and cash equivalents	0	0
FHLB and other stock	17,919	33,695
Accrued interest receivable	38,212	19,293
Loans/leases, net	10,759	14,050
Financial Liabilities:
Time deposits	714,256	677,205
Other deposits	5,894,837	4,537,907
Fed funds purchased and securities sold under agreements to repurchase	63,573	60,346
Other borrowings	295,374	659,895
Trust preferred debentures	21,240	21,904
Accrued interest payable	1,702	2,486
Level 3
Financial Assets:
Cash and cash equivalents	0	0
FHLB and other stock	0	0
Accrued interest receivable	0	0
Loans/leases, net	5,360,152	4,784,218
Financial Liabilities:
Time deposits	0	0
Other deposits	0	0
Fed funds purchased and securities sold under agreements to repurchase	0	0
Other borrowings	0	0
Trust preferred debentures	0	0
Accrued interest payable	0	0
Carrying Amount
Financial Assets:
Cash and cash equivalents	374,739	137,982
FHLB and other stock	17,919	33,695
Accrued interest receivable	38,212	19,293
Loans/leases, net	5,346,004	4,877,658
Financial Liabilities:
Time deposits	706,401	675,014
Other deposits	5,894,837	4,537,907
Fed funds purchased and securities sold under agreements to repurchase	63,573	60,346
Other borrowings	285,000	658,100
Trust preferred debentures	17,163	17,035
Accrued interest payable	1,702	2,486
Fair Value
Financial Assets:
Cash and cash equivalents	374,739	137,982
FHLB and other stock	17,919	33,695
Accrued interest receivable	38,212	19,293
Loans/leases, net	5,370,911	4,798,268
Financial Liabilities:
Time deposits	714,256	677,205
Other deposits	5,894,837	4,537,907
Fed funds purchased and securities sold under agreements to repurchase	63,573	60,346
Other borrowings	295,374	659,895
Trust preferred debentures	21,240	21,904
Accrued interest payable	$ 1,702	$ 2,486