Tompkins Financial (TMP) 10-K 1 Mar 21 2020 FY Annual report Financial data

Cover Page

Cover Page - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Feb. 18, 2021	Jun. 30, 2020
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2020
Current Fiscal Year End Date	--12-31
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 ($.10 Par Value Per Share)
Trading Symbol	TMP
Security Exchange Name	NYSEAMER
Entity a Well-known Seasoned Issuer	No
Entity a Voluntary Filer	No
Entity's Reporting Status Current	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Emerging Growth Company	false
Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 780.7
Entity Common Stock, Shares Outstanding		14,979,825
Documents Incorporated by Reference	Portions of the registrant’s definitive Proxy Statement relating to its 2021 Annual Meeting of stockholders, to be held on May 11, 2021, are incorporated by reference into Part III of this Form 10-K where indicated.
Entity Central Index Key	0001005817
Amendment Flag	false
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2020

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest bearing balances due from banks	$ 21,245	$ 136,010
Interest bearing balances due from banks	367,217	1,972
Cash and Cash Equivalents	388,462	137,982
Available-for-sale debt securities, at fair value (amortized cost of $1,599,894 at December 31, 2020 and $1,293,239 at December 31, 2019)	1,627,193	1,298,587
Equity securities, at fair value (amortized cost $929 at December 31, 2020 and $915 at December 31, 2019)	929	915
Total loans and leases, net of unearned income and deferred costs and fees	5,260,327	4,917,550
Less: Allowance for credit losses	51,669	39,892
Net loans and leases	5,208,658	4,877,658
Federal Home Loan Bank and other stock	16,382	33,695
Bank premises and equipment, net	88,709	94,355
Corporate owned life insurance	84,736	82,961
Goodwill	92,447	92,447
Other intangible assets, net	4,905	6,223
Accrued interest and other assets	109,750	100,800
Total Assets	7,622,171	6,725,623
Interest bearing:
Checking, savings and money market	3,761,933	3,080,686
Time	746,234	675,014
Noninterest bearing	1,929,585	1,457,221
Total Deposits	6,437,752	5,212,921
Federal funds purchased and securities sold under agreements to repurchase	65,845	60,346
Other borrowings	265,000	658,100
Trust preferred debentures	13,220	17,035
Other liabilities	122,665	114,167
Total Liabilities	6,904,482	6,062,569
Tompkins Financial Corporation shareholders' equity:
Common Stock - par value $.10 per share: Authorized 25,000,000 shares; Issued: 14,964,389 at December 31, 2020; and 15,014,499 at December 31, 2019	1,496	1,501
Additional paid-in capital	333,976	338,507
Retained earnings	418,413	370,477
Accumulated other comprehensive loss	(32,074)	(43,564)
Treasury stock, at cost – 124,849 shares at December 31, 2020, and 123,956 shares at December 31, 2019	(5,534)	(5,279)
Total Tompkins Financial Corporation Shareholders’ Equity	716,277	661,642
Noncontrolling interests	1,412	1,412
Total Equity	717,689	663,054
Total Liabilities and Equity	$ 7,622,171	$ 6,725,623

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Statement of Financial Position [Abstract]
Available-for-sale securities, amortized cost	$ 1,599,894	$ 1,293,239
Equity securities, amortized cost	$ 929	$ 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)	14,964,389	15,014,499
Treasury stock, shares (in shares)	124,849	123,956

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
INTEREST AND DIVIDEND INCOME
Loans	$ 227,313	$ 226,723	$ 214,370
Due from banks	194	41	31
Available-for-sale securities	25,450	28,460
Available-for-sale securities			30,377
Held-to-maturity securities	0	3,151	3,437
Federal Home Loan Bank stock and Federal Reserve Bank stock	1,373	3,003	3,377
Total Interest and Dividend Income	254,330	261,378	251,592
INTEREST EXPENSE
Time certificates of deposits of $250,000 or more	3,175	3,095	1,712
Other deposits	16,789	27,809	14,883
Federal funds purchased and securities sold under agreements to repurchase	95	143	152
Trust preferred debentures	1,133	1,276	1,227
Other borrowings	7,799	18,427	21,818
Total Interest Expense	28,991	50,750	39,792
Net interest income	225,339	210,628	211,800
Less: Provision for Credit Loss Expense	16,151	1,366	3,942
Net Interest Income After Provision for Credit Loss Expense	209,188	209,262	207,858
NONINTEREST INCOME
Insurance commissions and fees	31,505	31,091	29,369
Investment services income	17,520	16,434	17,288
Service charges on deposit accounts	6,312	8,321	8,435
Card services income	9,263	10,526	9,693
Other income	8,817	8,416	13,130
Net gain (loss) on securities transactions	443	645	(466)
Total Noninterest Income	73,860	75,433	77,449
NONINTEREST EXPENSES
Salaries and wages	92,519	89,399	85,625
Other employee benefits	24,812	23,488	22,090
Net occupancy expense of premises	12,930	13,210	13,309
Furniture and fixture expense	7,846	7,815	7,351
Amortization of intangible assets	1,484	1,673	1,771
Other operating expenses	45,791	46,249	50,921
Total Noninterest Expenses	185,382	181,834	181,067
Income Before Income Tax Expense	97,666	102,861	104,240
Income Tax Expense	19,924	21,016	21,805
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	77,742	81,845	82,435
Less: Net income attributable to noncontrolling interests	154	127	127
Net Income Attributable to Tompkins Financial Corporation	$ 77,588	$ 81,718	$ 82,308
Basic Earnings Per Share (in dollars per share)	$ 5.22	$ 5.39	$ 5.39
Diluted Earnings Per Share (in dollars per share)	$ 5.20	$ 5.37	$ 5.35

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Comprehensive Income [Abstract]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	$ 77,742	$ 81,845	$ 82,435
Available-for-sale securities:
Change in net unrealized gain (loss) during the period	16,894	25,241	(10,981)
Unrealized gains on HTM securities transferred to AFS securities	0	2,852	0
Reclassification adjustment for net realized (gain) loss on sale included in available-for-sale securities	(324)	(465)	332
Employee benefit plans:
Net retirement plan loss	(7,028)	(7,642)	(2,594)
Net actuarial gain due to curtailment	0	(302)	0
Net retirement plan prior service (credit) cost	0	(1,373)	0
Amortization of net retirement plan actuarial gain	1,786	1,266	1,298
Amortization of net retirement plan prior service cost	162	24	11
Other comprehensive income (loss)	11,490	19,601	(11,934)
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	89,232	101,446	70,501
Less: Total comprehensive income attributable to noncontrolling interests	(154)	(127)	(127)
Total comprehensive income attributable to Tompkins Financial Corporation	$ 89,078	$ 101,319	$ 70,374

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
OPERATING ACTIVITIES
Net income attributable to Tompkins Financial Corporation	$ 77,588	$ 81,718	$ 82,308
Adjustments to reconcile net income attributable to Tompkins Financial Corporation, to net cash provided by operating activities:
Provision for credit loss expense	16,151	1,366	3,942
Depreciation and amortization of premises, equipment, and software	10,192	10,044	9,554
Accretion related to purchase accounting	(1,066)	(1,448)	(1,948)
Amortization of intangible assets	1,484	1,673	1,771
Earnings from corporate owned life insurance, net	(2,188)	(2,164)	(1,818)
Net amortization on securities	10,737	7,435	8,816
Deferred income tax (benefit) expense	(6,284)	3,073	2,354
Net (gain) loss on sale of securities transactions	(443)	(645)	466
Loss on redemption of trust preferred debentures	139	0	0
Net gain on sale of loans	(2,054)	(227)	(458)
Proceeds from sale of loans	53,726	17,122	28,195
Loans originated for sale	(55,232)	(15,007)	(30,151)
Net gain on sale of bank premises and equipment	(3)	(98)	(2,946)
Net excess tax benefit from stock based compensation	118	944	680
Stock-based compensation expense	4,733	4,235	3,477
(Increase) decrease in accrued interest receivable	(12,732)	1,629	(800)
(Decrease) increase in accrued interest payable	(759)	78	355
Other, net	7,280	(8,113)	3,468
Net Cash Provided by Operating Activities	101,387	101,615	107,265
INVESTING ACTIVITIES
Proceeds from maturities, calls and principal paydowns of available-for-sale securities	545,617	302,978	151,053
Proceeds from sales of available-for-sale securities	42,333	232,598	70,652
Proceeds from maturities, calls and principal paydowns of held-to-maturity securities	0	9,588	6,729
Purchases of available-for-sale securities	(904,913)	(333,151)
Purchases of available-for-sale securities			(185,467)
Purchases of held-to-maturity securities	0	(7,589)	(8,492)
Net increase in loans and leases	(340,475)	(89,582)	(161,760)
Proceeds from sales/redemption of Federal Home Loan Bank stock	42,706	126,755	113,478
Purchases of Federal Home Loan Bank and other stock	(25,393)	(108,188)	(115,242)
Proceeds from sale of bank premises and equipment	22	448	3,317
Purchases of bank premises, equipment and software	(4,551)	(6,014)	(18,084)
Redemption of corporate owned life insurance	446	1,370	0
Net cash used in acquisitions	0	(436)	0
Other, net	489	5,209	216
Net Cash (Used in) Provided by Investing Activities	(643,719)	133,986	(143,600)
FINANCING ACTIVITIES
Net increase in demand, money market, and savings deposits	1,153,611	286,243	162,107
Net increase (decrease) in time deposits	71,809	38,591	(109,732)
Net increase (decrease) in securities sold under agreements to repurchase and Federal funds purchased	5,499	(21,496)	6,665
Increase in other borrowings	74,583	526,853	524,492
Redemption of trust preferred debentures	(4,124)	0	0
Repayment of other borrowings	(467,683)	(944,828)	(520,159)
Net shares issued related to restricted stock awards	(1,682)	(1,875)	(1,403)
Cash dividends	(31,359)	(30,637)	(29,634)
Repurchase of common stock	(9,414)	(29,867)	(2,448)
Shares issued for dividend reinvestment plan	1,825	0	0
Shares issued for employee stock ownership plan	0	0	3,073
Net proceeds from exercise of stock options	(253)	(992)	(540)
Net Cash Provided by (Used in) Financing Activities	792,812	(178,008)	32,421
Net Increase (Decrease) Cash and Cash Equivalents	250,480	57,593	(3,914)
Cash and cash equivalents at beginning of year	137,982	80,389	84,303
Total Cash & Cash Equivalents at End of Year	388,462	137,982	80,389
Supplemental Cash Flow Information
Cash paid during the year for - Interest	30,340	51,545	40,660
Cash paid, net of refunds, during the year for - Income taxes	22,893	16,727	16,949
Non-cash investing and financing activities:
Transfer of loans to other real estate owned	192	803	518
Transfer of securities from held-to-maturity to available-for-sale	0	138,206	$ 0
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	$ 1,256	$ 585

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Cumulative Effect, Adjustment	Common Stock	Additional Paid-in Capital	Retained Earnings	Retained EarningsCumulative Effect, Adjustment	Accumulated Other Comprehensive (Loss) Income	Accumulated Other Comprehensive (Loss) IncomeCumulative Effect, Adjustment	Treasury Stock	Non- controlling Interests
Balances at beginning at Dec. 31, 2017	$ 576,202		$ 1,530	$ 364,031	$ 265,007		$ (51,296)		$ (4,492)	$ 1,422
Balances at beginning (Adoption of Accounting Guidance ASU 2016-01) at Dec. 31, 2017		$ 0				$ (65)		$ 65
Balances at beginning (Adoption of Accounting Guidance ASU 2014-09) at Dec. 31, 2017		1,780				1,780
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	82,435				82,308					127
Other comprehensive income (loss)	(11,934)						(11,934)
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	70,501
Cash dividends	(29,634)				(29,634)
Net exercise of stock options	(540)		1	(541)
Common stock repurchased and returned to unissued status	(2,448)		(3)	(2,445)
Stock-based compensation expense	3,477			3,477
Shares issued for employee stock ownership plan	3,073		4	3,069
Directors deferred compensation plan	0			410					(410)
Restricted stock activity	(1,403)		3	(1,406)
Partial repurchase of noncontrolling interest	(10)									(10)
Dividend to noncontrolling interests	(127)									(127)
Balances at ending 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	81,845				81,718					127
Other comprehensive income (loss)	19,601						19,601
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	101,446
Cash dividends	(30,637)				(30,637)
Net exercise of stock options	(992)		2	(994)
Common stock repurchased and returned to unissued status	(29,867)		(38)	(29,829)
Stock-based compensation expense	4,235			4,235
Directors deferred compensation plan	0			377					(377)
Restricted stock activity	$ (1,875)		2	(1,877)
Accounting Standards Update [Extensible List]	us-gaap:AccountingStandardsUpdate201613Member
Dividend to noncontrolling interests	$ (127)									(127)
Balances at ending 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]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	77,742				77,588					154
Other comprehensive income (loss)	11,490						11,490
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	89,232
Cash dividends	(31,359)				(31,359)
Net exercise of stock options	(253)		1	(254)
Common stock repurchased and returned to unissued status	(9,414)		(13)	(9,401)
Stock-based compensation expense	4,733			4,733
Shares issued for dividend reinvestment plan	1,825		3	1,822
Directors deferred compensation plan	0			255					(255)
Restricted stock activity	(1,682)		4	(1,686)
Partial repurchase of noncontrolling interest	(6)									(6)
Dividend to noncontrolling interests	(148)									(148)
Balances at ending at Dec. 31, 2020	$ 717,689		$ 1,496	$ 333,976	$ 418,413		$ (32,074)		$ (5,534)	$ 1,412

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 2.10	$ 2.02	$ 1.94
Net exercise of stock options (in shares)	3,775	18,053	10,786
Common stock repurchased and returned to unissued status (in shares)	127,690	376,021	32,483
Shares issued for dividend reinvestment plan (in shares)	29,842
Shares issued for employee stock ownership plan (in shares)			38,883
Directors deferred compensation plan (in shares)	893	1,729	1,422
Restricted stock activity (in shares)	43,963	24,180	29,577

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Summary of Significant Accounting Policies Basis Of Presentation Tompkins Financial Corporation (“Tompkins” or “the Company”) is a registered Financial Holding Company with the Federal Reserve Board pursuant to the Bank Holding Company Act of 1956, as amended, organized under the laws of New York State, and is the parent company of Tompkins Trust Company (the “Trust Company”), The Bank of Castile, Mahopac Bank, VIST Bank, and Tompkins Insurance Agencies, Inc. (“Tompkins Insurance”). The Trust Company provides a full array of trust and investment services under the Tompkins Financial Advisors brand. Unless the context otherwise requires, the term “Company” refers to Tompkins Financial Corporation and its subsidiaries. The consolidated financial information included herein combines the results of operations, the assets, liabilities, and shareholders’ equity (including comprehensive income or loss) of the Company and all entities in which the Company has a controlling financial interest. All significant intercompany balances and transactions are eliminated in consolidation. The Company determines whether it has a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity under U.S. generally accepted accounting principles. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. The Company consolidates voting interest entities in which it has all, or at least a majority of, the voting interest. As defined in applicable accounting standards, variable interest entities (VIEs) are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when the Company has both the power and ability to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. Two of the Company’s wholly owned subsidiaries, Leesport Capital Trust II and Madison Statutory Trust I, are VIE’s for which the Company is not the primary beneficiary. Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements. The consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclose contingent assets and liabilities, at the date of the financial statements and the reported amounts of revenue and expense during the reporting period. Actual results could differ from those estimates. Significant items subject to such estimates and assumptions include the allowance for credit losses, valuation of goodwill and intangible assets, deferred income tax assets, and obligations related to employee benefits. 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. The Company has evaluated subsequent events for potential recognition and/or disclosure and determined that no further disclosures were required. Cash and Cash Equivalents Cash and cash equivalents in the Consolidated Statements of Cash Flows include cash and noninterest bearing balances due from banks, interest-bearing balances due from banks, Federal funds sold, 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. Historically, each bank subsidiary is required to maintain reserve balances by the Federal Reserve Bank. However, due to the COVID-19 pandemic, the Federal Reserve Board reduced reserve requirement ratios to zero percent effective March 26, 2020. The Federal Reserve Board has stated that it has no plans to re-impose reserve requirements, but that it may adjust reserve requirements ratios in the future if conditions warrant. At December 31, 2020 and December 31, 2019, the reserve requirements for the Company’s banking subsidiaries totaled $0 and $9.5 million, respectively. Securities Management determines the appropriate classification of debt and equity securities at the time of purchase. Securities are classified as held-to-maturity when the Company has the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity securities are classified as either available-for-sale or trading. Available-for-sale securities are stated at fair value with the unrealized gains and losses, net of tax, excluded from earnings and reported as a separate component of accumulated comprehensive income or loss, in shareholders’ equity. Trading securities are stated at fair value, with unrealized gains or losses included in earnings. Beginning January 1, 2018, upon adoption of ASU 2016-01, equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equity securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of accumulated other comprehensive income, net of tax. Securities with limited marketability or restricted equity securities, such as Federal Home Loan Bank stock and Federal Reserve Bank stock, are carried at cost, less any impairment, if any. At adoption of ASU 2016-01, the Company recognized a cumulative-effect adjustment of $65,000 for the after-tax impact of the unrealized loss on equity securities. Premiums and discounts are amortized or accreted over the expected life or call date of the related security as an adjustment to yield using the interest method. Dividend and interest income are recognized when earned. Realized gains and losses on the sale of securities are included in net gain (loss) on securities transactions. The cost of securities sold is based on the specific identification method. Beginning January 1, 2020, for available-for-sale debt securities in an unrealized loss position, at least quarterly, 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. Prior to January 1, 2020, we regularly evaluated our debt securities to determine whether there have been any events or economic circumstances indicating that a security with an unrealized loss has suffered other-than-temporary impairment. A debt security is considered impaired if the fair value is less than its amortized cost basis at the reporting date. If impaired, the Company then assesses whether the unrealized loss is other-than-temporary. An unrealized loss on a debt security is generally deemed to be other-than-temporary and a credit loss is deemed to exist if the present value, discounted at the security’s effective rate, of the expected future cash flows is less than the amortized cost basis of the debt security. As a result, the credit loss component of an other-than-temporary impairment write-down for debt securities is recorded in earnings while the remaining portion of the impairment loss is recognized, net of tax, in other comprehensive income provided that the Company does not intend to sell the underlying debt security and it is more-likely-than not that the Company would not have to sell the debt security prior to recovery of the unrealized loss, which may be to maturity. If the Company intended to sell any securities with an unrealized loss or it is more-likely-than not that the Company would be required to sell the investment securities, before recovery of their amortized cost basis, then the entire unrealized loss would be recorded in earnings. Accrued interest receivable on securities is excluded from the estimate of credit losses. Loans and Leases Loans are reported at their principal outstanding balance, net of deferred loan origination fees and costs, and unearned income. The Company has the ability and intent to hold its loans for the foreseeable future, except for certain residential real estate loans held-for-sale. The Company provides motor vehicle and equipment financing to its customers through direct financing leases. These leases are carried at the aggregate of lease payments receivable, plus estimated residual values, less unearned income. Unearned income on direct financing leases is amortized over the lease terms, resulting in a level rate of return. Residential real estate loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or estimated fair value. Fair value is determined on the basis of the rates quoted in the secondary market. Net unrealized losses attributable to changes in market interest rates are recognized through a valuation allowance by charges to income. Loans are generally sold on a non-recourse basis with servicing retained. Any gain or loss on the sale of loans is recognized at the time of sale as the difference between the recorded basis in the loan and the net proceeds from the sale. The Company may use commitments at the time loans are originated or identified for sale to mitigate interest rate risk. The commitments to sell loans and the commitments to originate loans held-for-sale at a set interest rate, if originated, are considered derivatives under ASC Topic 815. The impact of the estimated fair value adjustment was not significant to the consolidated financial statements. Interest income on loans is accrued and credited to income based upon the principal amount outstanding. Loan origination fees and costs are deferred and recognized over the life of the loan as an adjustment to yield. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Loans and leases, including impaired loans, are generally classified as nonaccrual if they are past due as to maturity or payment of principal or interest for a period of more than 90 days, unless such loans are well secured and in the process of collection. Loans that are past due less than 90 days may also be classified as nonaccrual if repayment in full of principal or interest is in doubt. Loans may be returned to accrual status when all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within an acceptable time period, and there is a sustained period (generally six consecutive months) of repayment performance by the borrower in accordance with the contractual terms of the loan agreement. 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. 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. For commercial and commercial real estate loans, this conclusion is generally based upon a review of the borrower’s financial condition and cash flow, payment history, economic conditions, and the conditions in the various markets in which the collateral, if any, may be liquidated. In general, consumer loans are charged-off in accordance with regulatory guidelines which provide that such loans be charged-off when the Company becomes aware of the loss, such as from a triggering event that may include new information about a borrower’s intent/ability to repay the loan, bankruptcy, fraud or death, among other things, but in no case will the charge-off exceed specified delinquency timeframes. Such delinquency timeframes state that closed-end retail loans (loans with pre-defined maturity dates, such as real estate mortgages, home equity loans and consumer installment loans) that become past due 120 cumulative days and open-end retail loans (loans that roll-over at the end of each term, such as home equity lines of credit) that become past due 180 cumulative days should be classified as a loss and charged-off. For residential real estate loans, charge-off decisions are based upon past due status, current assessment of collateral value, and general market conditions in the areas where the properties are located. 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 other 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 exceeded 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). Commencing 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 The Company adopted ASU 2016-13 on January 1, 2020 using the modified retrospective approach. The Company recorded a net increase to retained earnings of $1.7 million, upon adoption. The transition adjustment includes a decrease in the allowance for credit losses on loans of $2.5 million, and an increase in the allowance for credit losses on off-balance sheet credit exposures of $0.4 million, net of the corresponding decrease in deferred tax assets of $0.4 million. Results for the periods beginning after January 1, 2020 are presented under Accounting Standards Codification (“ASC”) 326 and follows the current expected credit loss methodology. Prior periods continue to be reported in accordance with previously applicable U.S. GAAP, which followed the incurred credit losses methodology. The following policies noted are under the current expected credit losses methodology. A summary of the Company's previous policies under the incurred credit losses methodology follows at the end of this section. Under the current expected credit loss model, the ACL on loans is a valuation allowance estimated at the 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 amortized cost basis. 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. In addition, the Company has reserves for expected recoveries where the Company reviews the prior four quarter charge offs and applies a recovery rate based on the Company’s historical experience. 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, and 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 enable 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 DCF 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 exposure at default using estimated prepayment speeds, 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 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 an independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts, and scenario weightings, 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. At December 31, 2020, the ACL model included increases in qualitative reserves for loans within the hospitality and other certain industries that may have an elevated level of risk due to the adverse economic impact of the COVID-19 pandemic, as well as loans that remain in the Company's payment deferral program implemented in response to the COVID-19 pandemic. The qualitative reserves were added to all portfolio segments with the majority in commercial real estate and then residential real estate. 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. Under the incurred credit losses methodology utilized in the prior periods, the allowance for loans and leases was maintained at an amount to assure that an appropriate allowance was maintained. The methodology was comprised of four major components that management had deemed appropriate in evaluating the appropriateness of the allowance for loan and lease losses. The components included: impaired loans; criticized and classified credits; historical loss experience; and qualitative or subjective analysis. For impaired loans, an allowance was recognized if the fair value of the loan was less than the recorded investment in the loan (recorded investment in the loan is the principal balance plus any accrued interest, net of deferred loan fees or costs and unamortized premium or discount). For loans that were not impaired or reviewed individually, management assigned a reserve based upon historical loss experience over a designated look-back period. Management had evaluated a variety of look-back periods and had determined that an eight year look back period was appropriate to capture a full range of economic cycles. Management had also evaluated a variety of statistical methods in analyzing loss history, including averages, weighted averages and loss emergence periods and had determined that by applying a loss emergence period analysis to historical losses over a full economic cycle had resulted in a reasonable estimate of losses inherent in the loan portfolio. The model also included an analysis of a variety of subjective factors to support the reserve estimate. These subjective factors included allowance allocations for risks that may not otherwise be fully recognized in other components of the model. Among the subjective factors that were routinely considered as part of this analysis were: growth trends in the portfolio, changes in management and/or polices related to lending activities, trends in classified or nonaccrual loans, concentrations of credit, local and national economic trends, and industry trends. For acquired credit impaired loans accounted for under FASB ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, (“ASC Topic 310-30”), the Company’s allowance for loan and lease losses was estimated based upon our expected cash flows for these loans. To the extent that we experienced a deterioration in borrower credit quality resulting in a decrease in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans. For acquired non-credit impaired loans accounted for under FASB ASC Topic 310-20, Nonrefundable Fees and Other Costs, (“ASC Topic 310-20”), the Company’s allowance for loan and lease losses was maintained through provisions for loan losses based upon an evaluation process that was similar to our evaluation process used for originated loans. This evaluation, which included a review of loans on which full collectability may not be reasonably assured, it considered, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, carrying value of the loans, which included the remaining net purchase discount or premium, and other factors that warrant recognition in determining our allowance for loan losses. 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 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. Under the CARES Act, a modification deemed to be COVID-19-related is not considered to be a TDR if the loan was not more than 30 days past due as of December 31, 2019 and the deferral was executed between March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency or December 31, 2020. The

Securities

Securities	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Securities	Securities Available-for-Sale Securities The following tables summarize available-for-sale securities held by the Company at December 31, 2020 and 2019: Available-for-Sale Securities December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) Obligations of U.S. Government sponsored entities $ 599,652 $ 9,820 $ 1,992 $ 607,480 Obligations of U.S. states and political subdivisions 126,642 3,144 40 129,746 Mortgage-backed securities – residential, issued by U.S. Government agencies 179,538 3,216 646 182,108 U.S. Government sponsored entities 691,562 14,593 675 705,480 U.S. corporate debt securities 2,500 0 121 2,379 Total available-for-sale securities $ 1,599,894 $ 30,773 $ 3,474 $ 1,627,193 Available-for-Sale Securities December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses 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 securities $ 1,293,239 $ 10,466 $ 5,118 $ 1,298,587 Held-to-Maturity Securities The Company early adopted ASU 2019-04 on November 30, 2019. Since the Company had already adopted ASUs 2016-01 and 2017-12, the related amendments were effective as of November 30, 2019. As part of the adoption, the Company reclassified $138.2 million aggregate amortized cost basis of debt securities held-to-maturity to debt securities available-for-sale. The Company had no held-to-maturity securities at December 31, 2020. The following table sets forth information with regard to sales transactions of securities available-for-sale: Year ended December 31, (In thousands) 2020 2019 2018 Proceeds from sales $ 42,333 $ 232,598 $ 70,652 Gross realized gains 179 1,123 327 Gross realized losses 0 (595) (767) Net gains (losses) on sales of available-for-sale securities $ 179 $ 528 $ (440) The Company's available-for-sale securities portfolio includes callable securities that may be called prior to maturity. In 2020, 2019, and 2018, the Company recognized gains of $251,000, $88,000 and $0 on securities that were called. The Company also recognized gains of $13,000 and $29,000 on equity securities for the years ended December 31, 2020 and 2019, respectively, reflecting the change in fair value. For the year ended December 31, 2018, the Company recognized losses of $26,000 on equity securities, reflecting the change in fair value. The following table summarizes available-for-sale securities that had unrealized losses at December 31, 2020: December 31, 2020 Available-for-Sale Securities 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 $ 310,711 $ 1,992 $ 0 $ 0 $ 310,711 $ 1,992 Obligations of U.S. states and political subdivisions 8,868 40 0 0 8,868 40 Mortgage-backed securities – residential, issued by U.S. Government agencies 10,560 396 1,819 250 12,379 646 U.S. Government sponsored entities 87,643 586 5,068 89 92,711 675 U.S. corporate debt securities 0 0 2,379 121 2,379 121 Total available-for-sale securities $ 417,782 $ 3,014 $ 9,266 $ 460 $ 427,048 $ 3,474 The following table summarizes available-for-sale securities that had unrealized losses at December 31, 2019: December 31, 2019 Available-for-Sale Securities 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 securities $ 241,757 $ 1,371 $ 288,210 $ 3,747 $ 529,967 $ 5,118 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 and 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 quality of the investment 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 (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 ACL on the Statements 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 be required to sell the debt security before the recovery of the amortized cost basis, the entire impairment amount, including any previously recognized ACL, 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. The Company did not recognize any net credit impairment charge to earnings on investment securities in 2020, 2019, or 2018. 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. December 31, 2020 (In thousands) Amortized Cost Fair Value Available-for-sale securities: Due in one year or less $ 54,484 $ 55,008 Due after one year through five years 379,044 388,132 Due after five years through ten years 228,572 229,107 Due after ten years 66,694 67,358 Total 728,794 739,605 Mortgage-backed securities 871,100 887,588 Total available-for-sale debt securities $ 1,599,894 $ 1,627,193 December 31, 2019 (In thousands) Amortized Cost Fair Value Available-for-sale 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 Trading Securities The Company had no securities designated as trading during 2020 or 2019. Pledged Securities The Company pledges securities as collateral for public deposits and other borrowings, and sells securities under agreements to repurchase. See “Note 8 - Securities Sold Under Agreements to Repurchase and Federal Funds Purchased” for further discussion. Securities carried of $1.2 billion and $1.0 billion, at December 31, 2020 and 2019, respectively, were either pledged or sold under agreements to repurchase. Concentrations of Securities Except for U.S. government securities, there were no holdings, when taken in the aggregate, of any single issuer that exceeded 10% of shareholders’ equity at December 31, 2020. Investment in Small Business Investment Companies The Company has equity investments in small business investment companies (“SBIC”) established for the purpose of providing financing to small businesses in market areas served by the Company. These investments totaled $1.5 million at both December 31, 2020 and 2019, and were included in other assets on the Company’s Consolidated Statements of Condition. These investments are accounted for either under the cost method or the equity method of accounting. As of December 31, 2020, the Company reviewed these investments and determined that there was no impairment. Federal Home Loan Bank Stock 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 $11.0 million, $5.2 million and $95,000 at December 31, 2020, respectively. These securities are carried at par, which is also cost. The FHLBNY and FHLBPITT continue to pay dividends and repurchase stock. As such, the Company has not recognized any impairment on its holdings of FHLBNY and FHLBPITT stock.

Loans and Leases

Loans and Leases	12 Months Ended
	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Abstract]
Loans and Leases	Loans and Leases Loans and Leases at December 31, 2020 and December 31, 2019 were as follows: (In thousands) 12/31/2020 12/31/2019 Commercial and industrial Agriculture $ 94,489 $ 105,786 Commercial and industrial other 792,987 902,275 PPP loans* 291,252 0 Subtotal commercial and industrial 1,178,728 1,008,061 Commercial real estate Construction 163,016 213,637 Agriculture 201,866 184,898 Commercial real estate other 2,204,310 2,045,030 Subtotal commercial real estate 2,569,192 2,443,565 Residential real estate Home equity 200,827 219,245 Mortgages 1,235,160 1,158,592 Subtotal residential real estate 1,435,987 1,377,837 Consumer and other Indirect 8,401 12,964 Consumer and other 61,399 61,446 Subtotal consumer and other 69,800 74,410 Leases 14,203 17,322 Total loans and leases 5,267,910 4,921,195 Less: unearned income and deferred costs and fees (7,583) (3,645) Total loans and leases, net of unearned income and deferred costs and fees $ 5,260,327 $ 4,917,550 *Paycheck Protection Program ("PPP") The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. There were no significant changes to the Company’s existing lending policies, underwriting standards or loan review procedures during 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 originations, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans. Residential real estate loans The Company’s policy is to underwrite residential real estate loans in accordance with secondary market guidelines in effect at the time of origination, including loan-to-value (“LTV”) and documentation requirements. LTVs exceeding 80% for fixed rate loans and 85% for adjustable rate loans require private mortgage insurance to reduce the exposure. The Company verifies applicants’ income, obtains credit reports and independent real estate appraisals in the underwriting process to ensure adequate collateral coverage and that loans are extended to individuals with good credit and income sufficient to repay the loan. In limited circumstances, the Company will make exceptions to secondary market underwriting standards to support community reinvestment activities. The Company originates fixed rate and adjustable rate residential mortgage loans, including loans that have characteristics of both, such as a 7/1 adjustable rate mortgage, which has a fixed rate for the first seven years and then adjusts annually thereafter. The majority of residential mortgage loans originated over the last several years have been fixed rate loans due to the low interest rate environment. Adjustable rate residential real estate loans may be underwritten based upon an initial rate which is below the fully indexed rate; however, the initial rate is generally less than 100 basis points below the fully indexed rate. As such, the Company does not believe that this practice creates any significant credit risk. The Company may sell residential real estate loans in the secondary market based on interest rate considerations. These residential real estate loans are generally sold to Federal Home Loan Mortgage Corporation (“FHLMC”) or State of New York Mortgage Agency (“SONYMA”) without recourse in accordance with standard secondary market loan sale agreements. These residential real estate loan sales are subject to customary representations and warranties, including representations and warranties related to gross incompetence and fraud. The Company has not had to repurchase any loans as a result of these general representations and warranties. During 2020, 2019, and 2018, the Company sold residential mortgage loans totaling $51.7 million, $16.9 million, and $27.7 million, respectively, and realized net gains on these sales of $2,054,000, $227,000, and $458,000, respectively. These residential real estate loans are generally sold without recourse in accordance with standard secondary market loan sale agreements. When residential mortgage loans are sold to FHLMC or SONYMA, the Company typically retains all servicing rights, which provides the Company with a source of fee income. In connection with the sales in 2020, 2019, and 2018, the Company recorded mortgage-servicing assets of $388,000, $127,000, and $207,000, respectively. Amortization of mortgage servicing assets amounted to $221,000 in 2020, $117,000 in 2019, and $69,000 in 2018. At December 31, 2020 and 2019, the Company serviced residential mortgage loans aggregating $140.9 million and $120.3 million, including loans securitized and held as available-for-sale securities. Mortgage servicing rights, at an amortized cost basis, totaled $981,000 at December 31, 2020 and $815,000 at December 31, 2019. These mortgage servicing rights were evaluated for impairment at year-end 2020 and 2019 and no impairment was recognized. Loans held for sale, which are included in residential real estate, totaled $4,367,000 and $807,000 at December 31, 2020 and 2019, respectively. As members of the FHLB, the Company’s subsidiary banks may use unencumbered mortgage related assets to secure borrowings from the FHLB. At December 31, 2020 and 2019, the Company had $265.0 million and $415.0 million, respectively, of term advances from the FHLB that were secured by residential mortgage loans. Commercial and industrial loans The Company’s Commercial Loan Policy sets forth guidelines for debt service coverage ratios, LTV’s and documentation standards. Commercial and industrial loans are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral and personal or government guarantees. The Company’s policy establishes debt service coverage ratio limits that require a borrower’s cash flow to be sufficient to cover principal and interest payments on all new and existing debt. Commercial and industrial loans are generally secured by the assets being financed or other business assets such as accounts receivable or inventory. Many of the loans in the commercial portfolio have variable interest rates tied to Prime Rate, FHLBNY borrowing rates, or U.S. Treasury indices. Commercial real estate The Company’s Commercial Loan Policy sets forth guidelines for debt service coverage ratios, LTV’s and documentation standards. Commercial real estate loans are primarily made based on identified cash flows of the borrower with consideration given to underlying real estate collateral and personal or government guarantees. The Company’s policy establishes a maximum LTV based on the type of property and debt service coverage ratio limits that require a borrower’s cash flow to be sufficient to cover principal and interest payments on all new and existing debt. Commercial real estate loans may be fixed or variable rate loans with interest rates tied to Prime Rate, FHLBNY borrowing rates, or U.S. Treasury indices. Agriculture loans Agriculturally-related loans include loans to dairy farms, cash and vegetable crop farms and a variety of other livestock and crop producers. Agriculturally-related loans are primarily made based on identified cash flows of the borrower with consideration given to underlying collateral, personal guarantees, and government related guarantees. Agriculturally-related loans are generally secured by the assets or property being financed or other business assets such as accounts receivable, livestock, equipment, or commodities/crops. The Company’s Commercial Loan Policy establishes a maximum LTV of 75% for real estate secured loans and debt service coverage ratio limits that require a borrower’s cash flow to be sufficient to cover principal and interest payments on all new and existing debt, with limited adjustments to consider commodity market cycles. The policy also establishes maximum LTV ratios for non-real estate collateral, such as livestock, commodities/crops, equipment and accounts receivable. Agriculturally-related loans may be fixed or variable rate with interest tied to Prime Rate, FHLBNY borrowing rates, or U.S. Treasury indices. Consumer and other loans The consumer loan portfolio includes personal installment loans, direct and indirect automobile financing, and overdraft lines of credit. The majority of the consumer portfolio consists of indirect and direct automobile loans. Consumer loans are generally short-term and have fixed rates of interest that are set giving consideration to current market interest rates, the financial strength of the borrower, and internal profitability targets. The Company's Consumer Loan Underwriting Guidelines Policy establishes maximum debt to income ratios and includes guidelines for verification of applicants’ income and receipt of credit reports. Leases Leases are primarily made to commercial customers and the origination criteria typically includes the value of the underlying assets being financed, the useful life of the assets being financed, and identified cash flows of the borrower. Most leases carry a fixed rate of interest that is set giving consideration to current market interest rates, the financial strength of the borrower, and internal profitability targets. Loan and Lease Customers The Company’s loan and lease customers are located primarily in the upstate New York communities served by its three subsidiary banks and in the Pennsylvania communities served by VIST Bank. The Trust Company operates fourteen banking offices in the counties of Tompkins, Cayuga, Cortland, Onondaga and Schuyler, New York. The Bank of Castile operates sixteen banking offices in the counties of Wyoming, Livingston, Genesee, Orleans and Monroe, New York. Mahopac Bank operates fourteen banking offices in the counties of Putnam County, Dutchess County and Westchester, New York. VIST Bank operates twenty offices in the counties of Berks, Montgomery, Philadelphia, Delaware and Schuylkill, Pennsylvania. Other than general economic risks, management is not aware of any material concentrations of credit risk to any industry or individual borrower. Loans to Related Parties Directors and officers of the Company and its affiliated companies were customers of, and had other transactions with, the Company's banking subsidiaries in the ordinary course of business. Such loans and commitments were made on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons not related to the Company, and did not involve more than normal risk of collectability or present other unfavorable features. Loan transactions with related parties are summarized as follows: (In thousands) December 31, 2020 December 31, 2019 Balance at beginning of year $ 48,389 $ 39,595 Loans to new directors/executive officers 5,886 0 New loans and advancements 3,022 19,393 Loan payments (8,217) (10,599) Balance at end of year $ 49,080 $ 48,389 Nonaccrual Loans and Leases Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Loans are placed on nonaccrual status either due to the delinquency status of principal and/or interest (generally when past due 90 or more days) or a judgment by management that the full repayment of principal and interest is unlikely. 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 and future payments are reasonably assured. When management determines that the collection of principal in full is improbable, 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. Acquired loans that met the criteria for nonaccrual of interest prior to the acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if we can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, we may no longer consider the loan to be nonaccrual or nonperforming and may accrue interest on these loans, including the impact of any accretable discount. The below table is an aging analysis of past due loans, segregated by class of loans as of December 31, 2020 and 2019. 12/31/2020 (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 $ 18 $ 0 $ 18 $ 94,471 $ 94,489 Commercial and industrial other 44 7 1,516 1,567 791,420 792,987 PPP loans* 0 0 0 0 291,252 291,252 Subtotal commercial and industrial 44 25 1,516 1,585 1,177,143 1,178,728 Commercial real estate Construction 0 0 0 0 163,016 163,016 Agriculture 263 0 0 263 201,603 201,866 Commercial real estate other 0 0 7,125 7,125 2,197,185 2,204,310 Subtotal commercial real estate 263 0 7,125 7,388 2,561,804 2,569,192 Residential real estate Home equity 713 224 1,126 2,063 198,764 200,827 Mortgages 521 879 4,210 5,610 1,229,550 1,235,160 Subtotal residential real estate 1,234 1,103 5,336 7,673 1,428,314 1,435,987 Consumer and other Indirect 175 35 91 301 8,100 8,401 Consumer and other 115 18 232 365 61,034 61,399 Subtotal consumer and other 290 53 323 666 69,134 69,800 Leases 0 0 0 0 14,203 14,203 Total loans and leases 1,831 1,181 14,300 17,312 5,250,598 5,267,910 Less: unearned income and deferred costs and fees 0 0 0 0 (7,583) (7,583) Total loans and leases, net of unearned income and deferred costs and fees $1,831 $1,181 $14,300 $17,312 $5,243,015 $5,260,327 *Paycheck Protection Program ("PPP") December 31, 2019 (In thousands) 30-89 Days 90 Days or More Current Loans Total Loans 90 days and accruing 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 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 presents nonaccrual loans and leases, segregated by class of loans, as of December 31, 2020. (In thousands) Nonaccrual Loans and Leases with no Allowance for Credit Losses Nonaccrual Loans and Leases Loans and Leases Past Due Over 89 Days and Accruing Loans and Leases Commercial and industrial Commercial and industrial other $ 803 $ 1,775 $ 0 Subtotal commercial and industrial 803 1,775 0 Commercial real estate Agriculture 0 118 0 Commercial real estate other 23,080 23,509 0 Subtotal commercial real estate 23,080 23,627 0 Residential real estate Home equity 767 2,965 0 Mortgages 1,365 10,180 0 Subtotal residential real estate 2,132 13,145 0 Consumer and other Indirect 3 169 0 Consumer and other 0 260 0 Subtotal consumer and other 3 429 0 Total loans and leases $ 26,018 $ 38,976 $ 0 The difference between the interest income that would have been recorded if nonaccrual loans and leases had paid in accordance with their original terms and the interest income that was recorded, was $1.7 million for the year ended December 31, 2020, $1.2 million for year ended December 31, 2019, and $1.0 million for year ended December 31, 2018. The Company had no material commitments to make additional advances to borrowers with nonperforming loans.

Allowance for Credit Losses

Allowance for Credit Losses	12 Months Ended
	Dec. 31, 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 given 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 forecasts of 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, and scenario weightings, 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 as of January 1, 2020 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 December 31, 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 based 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. Changes in the allowance for credit losses for the years ended December 31, 2020, 2019 and 2018 are summarized as follows: (In thousands) 2020 2019 2018 Total allowance at beginning of year $ 39,892 $ 43,410 $ 39,771 Impact of adopting ASU 2016-13 (2,534) 0 0 Provisions for credit loss expense 16,151 1,366 3,942 Recoveries on loans and leases 631 906 2,137 Charge-offs on loans and leases (2,471) (5,790) (2,440) Total allowance at end of year $ 51,669 $ 39,892 $ 43,410 The following table details activity in the allowance for credit losses on loans for the years ended December 31, 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. As a result of the adoption of ASC 326, the Company recorded a net cumulative-effect adjustment reducing the allowance for credit losses by $2.5 million. The allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. December 31, 2020 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance, prior to adoption of ASU 2016-13 $ 10,541 $ 21,608 $ 6,381 $ 1,362 $ 0 $ 39,892 Impact of adopting ASU 2016-13 (2,008) (5,917) 4,459 850 82 (2,534) Charge-offs (2) (1,903) (84) (482) 0 (2,471) Recoveries 131 58 194 248 0 631 Provision (credit) for credit loss expense 577 16,700 (693) (416) (17) 16,151 Ending Balance $ 9,239 $ 30,546 $ 10,257 $ 1,562 $ 65 $ 51,669 December 31, 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 (696) (4,015) (256) (823) 0 (5,790) Recoveries 103 174 334 295 0 906 Provision (credit) for credit loss expense (138) 1,966 (1,042) 580 0 1,366 Ending Balance $ 10,541 $ 21,608 $ 6,381 $ 1,362 $ 0 $ 39,892 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 December 31, 2020 Commercial and Industrial $ 103 $ 582 $ 110 $ 795 $ 122 Commercial Real Estate 24,277 1,418 0 25,695 186 Residential Real Estate 0 0 0 0 0 Total $ 24,380 $ 2,000 $ 110 $ 26,490 $ 308 At December 31, 2019, the allocation of the allowance for loan and lease losses summarized on the basis of the Company’s impairment methodology was as follows: December 31, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Allowance for originated loans and leases 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 Allowance for acquired loans 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: December 31, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Originated loans and leases 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 December 31, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Total Acquired loans 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 were typically applied to principal unless collectability of the principal amount was reasonably assured. In these cases, interest was recognized on a cash basis. There was no interest income recognized on impaired loans and leases for 2019 and 2018. 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 average recorded investment and interest income recognized on impaired originated loans for the years ended December 31, 2019 and 2018 was as follows: Year Ended December 31, 2019 2018 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 1,830 $ 0 $ 1,979 $ 0 Commercial real estate Commercial real estate other 7,552 0 5,165 0 Residential real estate Home equity 3,943 0 3,983 0 Subtotal $ 13,325 $ 0 $ 11,127 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other $ 132 $ 0 $ 1,374 $ 0 Commercial real estate Commercial real estate other 1,391 0 1,357 0 Subtotal $ 1,523 $ 0 $ 2,731 $ 0 Total $ 14,848 $ 0 $ 13,858 $ 0 The average recorded investment and interest income recognized on impaired acquired loans for the years ended December 31, 2019 and 2018 was as follows: Year Ended December 31, 2019 2018 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Acquired loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 21 $ 0 $ 50 $ 0 Commercial real estate Commercial real estate other 822 0 999 0 Residential real estate Home equity 2,503 0 2,945 0 Subtotal $ 3,346 $ 0 $ 3,994 $ 0 Acquired loans and leases with related allowance Subtotal $ 0 $ 0 $ 0 $ 0 Total $ 3,346 $ 0 $ 3,994 $ 0 The average recorded investment in impaired loans was $18.2 million at December 31, 2019, and $17.9 million at December 31, 2018. Loans are considered modified in a TDR when, due to a borrower’s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider. When modifications are provided for reasons other than as a result of the financial distress of the borrower, these loans are not classified as TDRs or impaired. These modifications primarily include, among others, an extension of the term of the loan, and granting a period when interest-only payments can be made, with the principal payments and interest caught up over the remaining term of the loan or at maturity, among others. The following tables present loans by class modified in 2020 and 2019 as troubled debt restructurings. Post-modification balances reflect paydowns and charge-offs at time of modification. Troubled Debt Restructuring December 31, 2020 Year Ended Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 1 1 $ 24 $ 24 0 $ 0 Residential real estate Mortgages 2 274 274 1 37 Home equity 1 1 43 43 1 87 Consumer and other Consumer and other 1 4 4 0 0 Total 5 $ 345 $ 345 2 $ 124 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the 12 months ended December 31, 2020, that had been restructured in the prior twelve months. December 31, 2019 Year Ended Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 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 2 181 181 1 93 Total 5 $ 2,362 $ 2,362 1 $ 93 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the 12 months ended December 31, 2019, that had been restructured in the prior twelve months. The Company's TDRs totaled $345,000 at December 31, 2020, compared to $2.4 million at December 31, 2019. At December 31, 2020, the Company was not committed to lend additional amounts to customers with outstanding loans that were classified as TDRs. The provisions of the CARES Act 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 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 TDRs. The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 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 $ 91,597 $ 72,639 $ 56,191 $ 60,714 $ 33,402 $ 301,027 $ 149,969 $ 16,301 $ 781,840 Special Mention 1,064 367 344 912 2,045 228 1,331 0 6,291 Substandard 412 305 933 485 292 783 1,646 0 4,856 Total Commercial & Industrial - Other $ 93,073 $ 73,311 $ 57,468 $ 62,111 $ 35,739 $ 302,038 $ 152,946 $ 16,301 $ 792,987 Commercial and Industrial - PPP: Pass $ 291,252 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 291,252 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 $ 291,252 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 291,252 Commercial and Industrial - Agriculture: Pass $ 11,536 $ 8,005 $ 11,162 $ 6,531 $ 3,539 $ 2,599 $ 41,936 $ 1,340 $ 86,648 Special Mention 0 0 28 729 0 0 2,080 0 2,837 Substandard 99 83 0 202 0 2,308 2,312 0 5,004 Total Commercial and Industrial - Agriculture $ 11,635 $ 8,088 $ 11,190 $ 7,462 $ 3,539 $ 4,907 $ 46,328 $ 1,340 $ 94,489 Commercial Real Estate Pass $ 278,747 $ 246,331 $ 232,651 $ 237,487 $ 290,106 $ 664,027 $ 33,117 $ 64,903 $ 2,047,369 Special Mention 35 13,016 5,612 4,654 34,310 46,074 203 0 103,904 Substandard 0 4,933 18,395 6,172 5,625 17,610 302 0 53,037 Total Commercial Real Estate $ 278,782 $ 264,280 $ 256,658 $ 248,313 $ 330,041 $ 727,711 $ 33,622 $ 64,903 $ 2,204,310 Commercial Real Estate - Agriculture: Pass $ 22,440 $ 35,081 $ 44,519 $ 22,356 $ 17,081 $ 44,559 $ 919 $ 5,602 $ 192,557 Special Mention 1,960 0 575 1,366 1,053 6 49 0 5,009 Substandard 0 0 0 1,777 713 1,527 283 0 4,300 Total Commercial Real Estate - Agriculture $ 24,400 $ 35,081 $ 45,094 $ 25,499 $ 18,847 $ 46,092 $ 1,251 $ 5,602 $ 201,866 Commercial Real Estate - Construction Pass $ 14,465 $ 20,705 $ 7,999 $ 2,478 $ 1,879 $ 6,682 $ 85,513 $ 21,051 $ 160,772 Special Mention 0 0 0 0 0 467 1,453 0 1,920 Substandard 0 0 0 0 0 324 0 0 324 Total Commercial Real Estate - Construction $ 14,465 $ 20,705 $ 7,999 $ 2,478 $ 1,879 $ 7,473 $ 86,966 $ 21,051 $ 163,016 The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 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 $ 1,440 $ 2,764 $ 1,052 $ 2,120 $ 722 $ 1,106 $ 188,614 $ 44 $ 197,862 Nonperforming 0 18 0 0 194 506 2,247 0 2,965 Total Residential - Home Equity $ 1,440 $ 2,782 $ 1,052 $ 2,120 $ 916 $ 1,612 $ 190,861 $ 44 $ 200,827 Residential - Mortgages Performing $ 305,476 $ 193,543 $ 123,205 $ 155,699 $ 178,149 $ 255,556 $ 11,735 $ 1,617 $ 1,224,980 Nonperforming 0 258 455 706 1,404 7,305 52 0 10,180 Total Residential - Mortgages $ 305,476 $ 193,801 $ 123,660 $ 156,405 $ 179,553 $ 262,861 $ 11,787 $ 1,617 $ 1,235,160 Consumer - Direct Performing $ 14,840 $ 11,127 $ 8,011 $ 6,632 $ 2,854 $ 10,840 $ 6,835 $ 0 $ 61,139 Nonperforming 5 74 167 12 0 2 0 $ 0 260 Total Consumer - Direct $ 14,845 $ 11,201 $ 8,178 $ 6,644 $ 2,854 $ 10,842 $ 6,835 $ 0 $ 61,399 Consumer - Indirect Performing $ 1,424 $ 1,878 $ 3,327 $ 1,128 $ 382 $ 93 $ 0 $ 0 $ 8,232 Nonperforming 0 67 44 7 36 15 0 0 169 Total Consumer Indirect $ 1,424 $ 1,945 $ 3,371 $ 1,135 $ 418 $ 108 $ 0 $ 0 $ 8,401 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

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Other Intangible Assets	Goodwill and Other Intangible Assets (In thousands) Banking Insurance Wealth Management Total Balance at January 1, 2019 $ 64,369 $ 19,703 $ 8,211 $ 92,283 Acquisitions 0 164 0 164 Balance at December 31, 2019 64,369 19,867 8,211 92,447 Acquisitions 0 0 0 0 Balance at December 31, 2020 $ 64,369 $ 19,867 $ 8,211 $ 92,447 In the second quarter of 2019, Tompkins Insurance acquired the Cali Agency, Inc., an insurance agency located in western New York, in a cash transaction. The Company recorded the following intangible assets as a result of the acquisition: goodwill ($164,000), customer related intangible ($171,000) and a covenant-not-to-compete ($87,000). The values of the customer related intangible and covenant-not-to-compete are being amortized over 15 years and 5 years, respectively. Goodwill is assigned to reporting units. The Company reviews its goodwill and intangible assets annually, or more frequently if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying value. Based on the Company’s review as of December 31, 2020, there was no impairment of its goodwill or intangible assets. The Company’s impairment testing is highly sensitive to certain assumptions and estimates used. In the event that economic or credit conditions deteriorate significantly, additional interim impairment tests may be required. Other Intangible Assets The following table provides information regarding the Company's amortizing intangible assets: December 31, 2020 Gross Carrying Amount Accumulated Amortization Net Carrying Amount (In thousands) Amortized intangible assets: Core deposit intangible $ 18,774 $ 17,367 $ 1,407 Customer relationships 9,048 6,884 2,164 Other intangibles 6,585 5,251 1,334 Total intangible assets $ 34,407 $ 29,502 $ 4,905 December 31, 2019 Gross Carrying Amount Accumulated Amortization Net Carrying Amount (In thousands) Amortized intangible assets: Core deposit intangible $ 18,774 $ 16,404 $ 2,370 Customer relationships 9,048 6,405 2,643 Other intangibles 6,197 4,987 1,210 Total intangible assets $ 34,019 $ 27,796 $ 6,223 Amortization expense related to intangible assets totaled $1.5 million in 2020, $1.7 million in 2019 and $1.8 million in 2018. The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2020 is as follows: Estimated amortization expense: 1 (In thousands) For the year ended December 31, 2021 $ 1,342 For the year ended December 31, 2022 897 For the year ended December 31, 2023 334 For the year ended December 31, 2024 294 For the year ended December 31, 2025 264 1 Excludes the amortization of mortgage servicing rights. Amortization of mortgage servicing rights was $221,000 in 2020, $117,000 in 2019 and $69,000 in 2018.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment at December 31 were as follows: (In thousands) 2020 2019 Land $ 9,195 $ 9,195 Premises and equipment 104,027 103,631 Furniture, fixtures, and equipment 80,520 77,518 Accumulated depreciation and amortization (105,033) (95,989) Total $ 88,709 $ 94,355 Depreciation and amortization expenses in 2020, 2019 and 2018 are included in operating expenses as follows: (In thousands) 2020 2019 2018 Premises $ 2,608 $ 2,809 $ 2,989 Furniture, fixtures, and equipment 5,225 4,906 4,615 Total $ 7,833 $ 7,715 $ 7,604

Deposits

Deposits	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Deposits	Deposits Aggregate time deposits of $250,000 or more were $229.7 million at December 31, 2020, and $181.4 million at December 31, 2019. Scheduled maturities of time deposits at December 31, 2020, were as follows: (In thousands) Less than $250,000 $250,000 and over Total Maturity Three months or less $ 114,179 $ 63,341 $ 177,520 Over three through six months 80,502 68,584 149,086 Over six through twelve months 172,081 66,835 238,916 Total due in 2021 $ 366,762 $ 198,760 $ 565,522 2022 116,444 24,568 141,012 2023 18,694 997 19,691 2024 4,622 0 4,622 2025 9,883 5,333 15,216 Thereafter 171 0 171 Total $ 516,576 $ 229,658 $ 746,234

Securities Sold Under Agreement

Securities Sold Under Agreements to Repurchase and Federal Funds Purchased	12 Months Ended
	Dec. 31, 2020
Carrying Value of Federal Funds Purchased, Securities Sold under Agreements to Repurchase, and Deposits Received for Securities Loaned [Abstract]
Securities Sold Under Agreements to Repurchase and Federal Funds Purchased	Securities Sold Under Agreements to Repurchase and Federal Funds Purchased Information regarding securities sold under agreements to repurchase and Federal funds purchased is detailed in the following tables for the years ended December 31: Securities Sold Under Agreements to Repurchase 2020 2019 2018 (dollar amounts in thousands) Total outstanding at December 31 $ 65,845 $ 60,346 $ 81,842 Maximum month-end balance 72,883 71,875 81,842 Average balance during the year 55,973 59,742 63,472 Weighted average rate at December 31 0.11 % 0.22 % 0.22 % Average interest rate paid during the year 0.17 % 0.24 % 0.24 % Federal Funds Purchased Average balance during the year 0 82 0 Weighted average rate at December 31 N/A N/A N/A Average interest rate paid during the year 0.00 % 2.86 % 0.00 % Securities sold under agreements to repurchase (“repurchase agreements”) are secured borrowings that typically mature within thirty to ninety days, although the Company has entered into repurchase agreements with the Federal Home Loan Bank (“FHLB”) with longer maturities. The Company uses both retail and wholesale repurchase agreements. Retail repurchase agreements are arrangements with local customers of the Company, in which the Company agrees to sell securities to the customer with an agreement to repurchase those securities at a specified later date. Retail repurchase agreements totaled $65.8 million at December 31, 2020. The Company had no outstanding wholesale repurchase agreements at December 31, 2020. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. The Company may be required to provide additional collateral based on the fair value of the underlying securities.

Other Borrowings

Other Borrowings	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Other Borrowings	Other Borrowings The following table summarized the Company’s borrowings as of December 31: (In thousands) 2020 2019 Overnight FHLB advances $ 0 $ 239,100 Term FHLB advances 265,000 415,000 Other 0 4,000 Total other borrowings $ 265,000 $ 658,100 The Company, through its subsidiary banks, had available line-of-credit agreements with correspondent banks permitting borrowings to a maximum of approximately $89.0 million at both December 31, 2020 and 2019. There were no outstanding advances against those lines at December 31, 2020 and December 31, 2019. Through its subsidiary banks, the Company has borrowing relationships with the FHLB, which provides secured borrowing capacity, subject to available collateral. The unused borrowing capacity on established lines with the FHLB was $2.1 billion at December 31, 2020 and $1.3 billion at December 31, 2019. As members of the FHLB, the Company’s subsidiary banks can use certain unencumbered residential and commercial real estate related assets and investment securities to secure borrowings from the FHLB. At December 31, 2020, total unencumbered residential and commercial real estate related loans and investment securities pledged at the FHLB were $1.6 billion. At December 31, 2020, there were no overnight advances and $265.0 million in term advances with the FHLB, with a weighted average rate of 2.09%, compared to $239.1 million in overnight advances and $415.0 million in term advances with a weighted average rate of 2.12%, at December 31, 2019. At December 31, 2020, the term advances with the FHLB include $30.0 million which mature within one year and $235.0 million which mature in over one year. Maturities of advances due in over one year include $85.0 million in 2022, $80.0 million in 2023 and $70.0 million in 2024. The Company had no callable FHLB borrowings at December 31, 2020. The Company has a $25.0 million line of credit with a bank. As of December 31, 2020 and 2019, respectively, there was no outstanding balance and $4.0 million outstanding on the line. The line matures in June 2021.

Trust Preferred Debentures

Trust Preferred Debentures	12 Months Ended
	Dec. 31, 2020
Trust Preferred Debentures
Trust Preferred Debentures	Trust Preferred Debentures At December 31, 2020, the Company had two unconsolidated subsidiary trusts (the "Trusts"): Leesport Capital Trust II and Madison Statutory Trust I. The two Trusts were acquired in the acquisition of VIST Financial. The Company owns 100% of the common equity of each Trust. The Trusts were formed for the purpose of issuing Company-obligated mandatorily redeemable capital securities to third-party investors and investing the proceeds from the sale in junior subordinated debt securities (subordinated debt) issued by the Company, which are the sole assets of each Trust. Since third-party investors are the primary beneficiaries, the Trusts are not consolidated in the Company’s financial statements. Distributions on the preferred securities issued by the Trusts are payable quarterly at a rate per annum equal to the interest rate being earned by the Trusts on the debenture held by the Trusts and are recorded as interest expense in the consolidated financial statements. The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the subordinated debt. The subordinated debt, net of the Company’s investment in the Trusts, qualifies as Tier 1 capital under the Board of Governors of the Federal Reserve System (FRB) guidelines. The Company has entered into agreements which, when taken collectively, fully and unconditionally guarantee the obligations under the preferred securities subject to the terms of each of the guarantees. The following table provides information relating to the Trusts as of December 31, 2020: Description Issuance Date Par Amount Interest Rate Maturity Date Leesport Capital Trust II September 2002 $10.0 million 3-month LIBOR plus 3.45% September 2032 Madison Statutory Trust I June 2003 $5.0 million 3-month LIBOR plus 3.10% June 2033 Leesport Capital Trust II Leesport Capital Trust II, a Delaware statutory business trust, was formed on September 26, 2002 and issued $10.0 million of mandatory redeemable capital securities carrying a floating interest rate of three month LIBOR plus 3.45%. These debentures are the sole assets of the Trust. The terms of the junior subordinated debentures are the same as the terms of the capital securities. The obligations under the debentures constitute a full and unconditional guarantee by VIST Financial of the obligations of the Trust under the capital securities. These securities must be redeemed in September 2032, but may be redeemed at any time. The Company assumed the rights and obligations of VIST Financial pertaining to the Leesport Capital Trust II through the Company’s acquisition of VIST Financial in August 2012. Madison Statutory Trust I Madison Statutory Trust, a Connecticut statutory business trust, was formed on June 2003 and issued $5.0 million of mandatory redeemable capital securities carrying a floating interest rate of three month LIBOR plus 3.10%. These debentures are the sole assets of the Trust. The terms of the junior subordinated debentures are the same as the terms of the capital securities. The obligations under the debentures constitute a full and unconditional guarantee by VIST Financial of the obligations of the Trust under the capital securities. These securities must be redeemed in June 2033, but may be redeemed at any time. The Company assumed the rights and obligations of VIST Financial pertaining to the Madison Statutory Trust I through the Company’s acquisition of VIST Financial in August 2012.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2020
Retirement Benefits [Abstract]
Employee Benefit Plans	Employee Benefit Plans The Company maintains a noncontributory defined-benefit plan (the "DB Pension Plan") and two noncontributory defined-contribution retirement plans (the "DC Retirement Plan" and "2015 DC Retirement Plan") which cover substantially all employees of the Company. The DB Pension Plan was closed to new employees at year-end 2009 and was frozen on July 31, 2015. The benefits under the DB Pension Plan are based on years of service, age and percentages of the employees' average final compensation. Assets of the Company's DB Pension Plan are invested in common and preferred stock, mutual funds and cash equivalents. At December 31, 2019, DB Pension Plan assets included 42,192 shares of Tompkins' common stock that had a fair value of $3.8 million. The DB Pension Plan did not include any shares of Tompkins' common stock at December 31, 2020. The defined-contribution retirement plans cover substantially all employees of the Company who have reached the age of 21 and completed one year of service. For participants in these plans, the Company makes contributions to an account set up in the participant's name. The amount equals a percentage of pay and varies based on the participant's age, service, and tenure with the Company. The defined-contribution retirement plans offer the participant a wide range of investment alternatives from which to choose. Expenses related to the defined-contribution plans totaled $4.4 million in 2020, $4.0 million in 2019, and $3.9 million in 2018. The Company maintains supplemental employee retirement plans (“SERPs”) for certain executives. In 2016, certain SERPs were amended and restated to reflect changes resulting from the freezing of the DB Pension Plan and the Company entered into additional SERP agreements with certain executives. In 2019, the SERP for the Company's CEO was amended to expand the definition of "Earnings" under the SERP to better align the scope of compensation included in our CEO's retirement benefits with chief executive compensation in a manner that is more consistent with market practice. All benefits provided under the SERPs are unfunded and the Company makes payments to plan participants. The Company also maintains a post-retirement life and healthcare benefit plan (the “Life and Healthcare Plan”), which was amended in 2005. For employees commencing employment after January 1, 2005, the Company does not contribute towards post-retirement healthcare benefits. Retirees and employees who were eligible to retire when the Life and Healthcare Plan was amended were unaffected. Generally, all other employees were eligible for Health Reimbursement Accounts (“HRA”) with an initial balance equal to the amount of the Company’s estimated then current liability. Contributions to the plan are limited to an annual contribution of 4% of the total HRA defined term. Employees, upon retirement, will be able to utilize their HRA for qualified health costs and deductibles. In 2019, the Retiree Life Benefit program was closed to new entrants, and only employees who attained age 50 as of February 1, 2020 will be eligible to earn this benefit. The amounts related to this change are reflected in the below table as amendments in 2019. The Company engages independent, external actuaries to compute the amounts of liabilities and expenses relating to these plans, subject to the assumptions that the Company selects. The benefit obligation for these plans represents the liability of the Company for current and former employees, and is affected primarily by the following: service cost (benefits attributed to employee service during the period); interest cost (interest on the liability due to the passage of time); actuarial gains/losses (experience during the year different from that assumed and changes in plan assumptions); and benefits paid to participants. U.S. GAAP requires an employer to recognize in its statement of condition as an asset or liability the overfunded or underfunded status of a defined benefit postretirement plan, measured as the difference between the fair value of plan assets and the benefit obligation. For a pension plan, the benefit obligation is the projected benefit obligation; for any other postretirement benefit plan, such as a retiree health care plan, the benefit obligation is the accumulated postretirement benefit obligation. The following table sets forth the changes in the projected benefit obligation for the DB Pension Plan and SERPs and the accumulated post-retirement benefit obligation for the Life and Healthcare Plan; and the respective plan assets, and the plans’ funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2020 and 2019 (the measurement dates of the plans). DB Pension Plan Life and Healthcare Plan SERP Plan (In thousands) 2020 2019 2020 2019 2020 2019 Change in benefit obligation: Benefit obligation at beginning of year $ 90,346 $ 79,689 $ 9,022 $ 7,857 $ 32,153 $ 23,539 Service cost 0 0 173 159 214 157 Interest cost 2,371 2,936 245 289 914 909 Plan participants’ contributions 0 0 90 87 0 0 Amendments 0 0 0 (203) 0 2,022 Actuarial loss (gain) 10,046 10,996 1,340 1,218 4,070 6,128 Benefits paid (4,742) (3,275) (362) (385) (641) (602) Benefit obligation at end of year $ 98,021 $ 90,346 $ 10,508 $ 9,022 $ 36,710 $ 32,153 Change in plan assets: Fair value of plan assets at beginning of year $ 82,352 $ 72,474 $ 0 $ 0 $ 0 $ 0 Actual return on plan assets 11,562 13,153 0 0 0 0 Plan participants’ contributions 0 0 90 87 0 0 Employer contributions 0 0 272 298 641 602 Benefits paid (4,742) (3,275) (362) (385) (641) (602) Fair value of plan assets at end of year $ 89,172 $ 82,352 $ 0 $ 0 $ 0 $ 0 Unfunded status $ (8,849) $ (7,994) $ (10,508) $ (9,022) $ (36,710) $ (32,153) The accumulated benefit obligation for the DB Pension Plan at December 31, 2020 and 2019, was $98.0 million and $90.3 million, respectively. The accumulated benefit obligation for the Life and Healthcare Plan at year end 2020 and 2019 was $10.5 million and $9.0 million, respectively. The accumulated benefit obligation for the SERPs at December 31, 2020 and 2019 was $27.4 million and $23.2 million, respectively. The unfunded status of the DB Pension Plan, the Life and Healthcare Plan, and SERPs was recognized in other liabilities in the Consolidated Statement of Condition at December 31, 2020 in the amounts of $8.8 million, $10.5 million, and $36.7 million, respectively. The unfunded status of the DB Pension Plan, the Life and Healthcare Plan, and SERPs in the amount of $8.0 million, $9.0 million, and $32.2 million, respectively, was recognized in other liabilities in the Consolidated Statement of Condition at December 31, 2019. The actuarial losses shown above totaling $15.5 million in 2020 and $18.3 million in 2019 were mainly the result of lowering the discount rates used to measure the benefit obligation of all plans at December 31, 2020 from those used at the prior year-end. The specific discount rates for each plan at December 31, 2020 and December 31, 2019 are provided below. Net periodic benefit cost and other comprehensive income (loss) includes the following components: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan Components of net periodic benefit cost 2020 2019 2018 2020 2019 2018 2020 2019 2018 Service cost $ 0 $ 0 $ 0 $ 173 $ 159 $ 212 $ 214 $ 157 $ 160 Interest cost 2,371 2,936 2,508 245 289 270 914 909 833 Expected return on plan assets (5,416) (4,933) (5,648) 0 0 0 0 0 0 Amortization of prior service (credit) cost (10) (10) (10) (61) (62) (62) 285 104 87 Recognized net actuarial loss 1,411 1,334 1,118 155 0 62 800 343 539 Recognized net actuarial gain due to curtailments 0 0 0 0 (399) 0 0 0 0 Net periodic benefit (credit) cost $ (1,644) $ (673) $ (2,032) $ 512 $ (13) $ 482 $ 2,213 $ 1,513 $ 1,619 Service cost is included in salaries and wages in the Consolidated Statements of Income. The other components of net periodic benefit costs are included in other operating expense in the Consolidated Statements of Income. Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2020 2019 2018 2020 2019 2018 2020 2019 2018 Net actuarial loss (gain) $ 3,899 $ 2,776 $ 7,761 $ 1,340 $ 1,218 $ (1,337) $ 4,070 $ 6,128 $ (2,987) Recognized actuarial loss (1,411) (1,334) (1,118) (155) 0 (62) (800) (343) (539) Prior service credit 0 0 0 0 (203) 0 0 2,022 0 Recognized prior service cost (credit) 10 10 10 61 62 62 (285) (104) (87) Prior service cost (credit) recognized due to curtailment 0 0 0 0 399 0 0 0 0 Recognized in other comprehensive income (loss) $ 2,498 $ 1,452 $ 6,653 $ 1,246 $ 1,476 $ (1,337) $ 2,985 $ 7,703 $ (3,613) Total recognized in net periodic benefit cost and other comprehensive income (loss) $ 854 $ 779 $ 4,621 $ 1,758 $ 1,463 $ (855) $ 5,198 $ 9,216 $ (1,994) Pre-tax amounts recognized as a component of accumulated other comprehensive income (loss) as of year-end that have not been recognized as a component of the Company’s combined net periodic benefit cost of the Company’s DB Pension Plan, Life and Healthcare Plan and SERPs are presented in the following table. (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2020 2019 2018 2020 2019 2018 2020 2019 2018 Net actuarial loss (gain) $ 50,533 $ 48,045 $ 46,603 $ 2,771 $ 1,586 $ 368 $ 14,614 $ 11,345 $ 5,560 Prior service cost (credit) 1 (9) (20) (287) (348) (606) 2,148 2,433 514 Total $ 50,534 $ 48,036 $ 46,583 $ 2,484 $ 1,238 $ (238) $ 16,762 $ 13,778 $ 6,074 Weighted-average assumptions used in accounting for the plans were as follows: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2020 2019 2018 2020 2019 2018 2020 2019 2018 Discount Rates Benefit Cost for Plan Year 3.04 % 4.08 % 3.43 % 3.10 % 4.13 % 3.51 % 3.14 % 4.16 % 3.55 % Benefit Obligation at End of Plan Year 2.24 % 3.04 % 4.08 % 2.33 % 3.10 % 4.13 % 2.37 % 3.14 % 4.16 % Expected long-term return on plan assets 6.75 % 7.00 % 7.25 % N/A N/A N/A N/A N/A N/A Rate of compensation increase Benefit Cost for Plan Year N/A N/A N/A 4.00 % 4.00 % 5.00 % 5.00 % 5.00 % 5.00 % Benefit Obligation at End of Plan Year N/A N/A N/A 4.00 % 4.00 % 4.00 % 5.00 % 5.00 % 5.00 % To develop the expected long-term rate of return on assets assumption for the DB Pension Plan, the Company considered the historical returns and the future expectations for returns for each asset class, as well as target asset allocations of the pension portfolio. Based on this analysis, the Company selected 6.75% as the long-term rate of return on assets assumption. The discount rates used to determine the Company’s DB Pension Plan and other post-retirement benefit obligations as of December 31, 2020, and December 31, 2019, were determined by matching estimated benefit cash flows to a yield curve derived from Citigroup’s regular bond yield at December 31, 2020 and December 31, 2019. Based on the Company’s anticipation of future experience under the DB Pension Plan, the mortality tables used to determine future benefit obligations under the plan were updated as of December 31, 2020 to the PRI-2012 Mortality Tables with Mortality Improvement Scale MP 2019. The Company updated this assumption based on the new improvement table released by The Society of Actuaries in October 2020. The appropriateness of the assumptions is reviewed annually. Cash Flows Plan assets are amounts that have been segregated and restricted to provide benefits, and include amounts contributed by the Company and amounts earned from investing contributions, less benefits paid. The Company funds the cost of the SERPs and the Life and Healthcare Plan benefits on a pay-as-you-go basis. The benefits as of December 31, 2020, expected to be paid in each of the next five fiscal years, and in the aggregate for the five fiscal years thereafter were as follows: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2021 $ 4,290 $ 472 $ 719 2022 4,206 452 773 2023 4,393 446 880 2024 4,444 468 863 2025 4,625 463 860 2026-2030 23,920 2,341 6,130 Total $ 45,878 $ 4,642 $ 10,225 Plan Assets The Company’s DB Pension Plan’s weighted-average asset allocations at December 31, 2020 and 2019, respectively, by asset category are as follows: 2020 2019 Equity securities 63 % 62 % Debt securities 36 % 36 % Other 1 % 2 % Total Allocation 100 % 100 % It is the policy of the Trustees to invest the Pension Trust Fund (the “Fund”) for total return. The Trustees seek the maximum return consistent with the interests of the participants and beneficiaries and prudent investment management. The management of the Fund’s assets is in compliance with the guidelines established in the Company’s Pension Plan and Trust Investment Policy, which is reviewed and approved annually by the Tompkins Board of Directors, and the Pension Investment Review Committee. The intention is for the Fund to be prudently diversified. The Fund’s investments will be invested among the fixed income, equity and cash equivalent sectors. The Pension Committee will designate minimum and maximum positions in any of the sectors. In no case shall more than 10% of the Fund assets consist of qualified securities or real estate of the Company. Unless otherwise approved by the Trustees, the following investments are prohibited: – Restricted stock, private placements, short positions, calls, puts, or margin transactions; – Commodities, oil and gas properties, real estate properties, or – Any investment that would constitute a prohibited transaction as described in the Employee Retirement Income Security Act of 1974 (“ERISA”), section 407, 29 U.S.C. 1106. In general, the investment in debt securities is limited to readily marketable debt securities having a Standard & Poor’s rating of “A” or Moody’s rating of “A”, securities of, or guaranteed by the United States Government or its agencies, or obligations of banks or their holding companies that are rated in the three highest ratings assigned by Fitch Investor Service, Inc. In addition, investments in equity securities must be listed on the NYSE or traded on the national Over The Counter market or listed on the NASDAQ. Cash equivalents generally may be United States Treasury obligations, commercial paper having a Standard & Poor’s rating of “A-1” or Moody’s National Credit Officer rating of “P-1”or higher. The major categories of assets in the Company’s DB Pension Plan as of year-end are presented in the following table. Assets are segregated by the level of valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value (see Note 19-Fair Value Measurements). Fair Value Measurements December 31, 2020 (In thousands) Fair Value 2020 (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 2,417 $ 2,417 $ 0 $ 0 Common stocks 26,422 26,422 0 0 Mutual funds 60,333 60,333 0 0 Total Fair Value of Plan Assets $ 89,172 $ 89,172 $ 0 $ 0 Fair Value Measurements December 31, 2019 (In thousands) Fair Value 2019 (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 1,367 $ 1,367 $ 0 $ 0 Common stocks 26,574 26,574 0 0 Mutual funds 54,411 54,411 0 0 Total Fair Value of Plan Assets $ 82,352 $ 82,352 $ 0 $ 0 The Company determines the fair value for its pension plan assets using an independent pricing service. The pricing service uses a variety of techniques to determine fair value, including market maker bids, quotes and pricing models. Inputs to the model include recent trades, benchmark interest rates, spreads, and actual and projected cash flows. Based on the inputs used by our independent pricing services, the Company identifies the appropriate level within the fair value hierarchy to report these fair values. U.S. Treasury securities, common stocks and mutual funds are considered Level 1 based on quoted prices in active markets. The Company has an Employee Stock Ownership Plan (ESOP) and a 401(k) Investment and Stock Ownership Plan (ISOP) covering substantially all employees of the Company. The ESOP allows for Company contributions in the form of common stock of the Company. Annually, the Tompkins Board of Directors determines a profit-sharing payout to its employees in accordance with a performance-based formula. A percentage of the approved amount is paid in Company common stock into the ESOP. Contributions are limited to a maximum amount as stipulated in the ESOP. The remaining percentage is either paid out in cash or deferred into the ISOP at the direction of the employee. Compensation expense related to the profit-sharing totaled $4.5 million in 2020, $4.4 million in 2019, and $4.9 million in 2018. Under the ISOP, employees may contribute a percentage of their eligible compensation with a Company match of such contributions up to a maximum match of 4%. Participation in the 401(k) Plan is contingent upon certain age and service requirements. The Company’s expense associated with these matching provisions was $2.9 million in 2020, $2.9 million in 2019, and $2.6 million in 2018. Life insurance benefits are provided to certain officers of the Company. In connection with these policies, the Company reflects life insurance assets on its Consolidated Statements of Condition of $84.7 million at December 31, 2020, and $83.0 million at December 31, 2019. The insurance is carried at its cash surrender value on the Consolidated Statements of Condition. Increases in the cash surrender value of the insurance are reflected as noninterest income, net of any related mortality expense. The Company provides split dollar life insurance benefits to certain employees. The plan is unfunded and the estimated liability of the plan of $1.7 million and $1.6 million is recorded in other liabilities in the Consolidated Statements of Condition at December 31, 2020 and 2019, respectively. Compensation expense related to the split dollar life insurance was approximately $55,122 in 2020 and $49,801 in 2019.

Stock Plans and Stock Based Com

Stock Plans and Stock Based Compensation	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Stock Plans and Stock Based Compensation	Stock Plans and Stock Based Compensation In 2019, the 2009 Tompkins Financial Corporation Equity Plan (“2009 Equity Plan”) expired and was replaced by the new Tompkins Financial Corporation 2019 Equity Plan (“2019 Equity Plan”). Under the 2019 Equity Plan, the Company may grant stock appreciation rights ("SARs"), shares of restricted stock and restricted units and performance share awards covering up to 1,275,000 shares of the Company's common stock to certain officers, employees, and nonemployee directors. Additionally, restricted stock awards and restricted units and performance share awards will reduce the shares available for grant under the 2019 Equity Plan by 4.25 shares for each share subject to an award, resulting in a total number of full-value share awards that may be issued under the 2019 Plan to 300,000. Stock options and SARs are granted at an exercise price equal to the stock’s fair value at the date of grant, may not have a term in excess of ten years, and have vesting periods that range between five four The Company granted 86,411 equity awards to its employees in 2020, consisting of 69,451 shares of restricted stock, 6,545 performance share awards and 10,415 restricted stock units. The Company granted 62,360 equity awards to its employees in 2019, consisting of 49,365 shares of restricted stock, 4,650 performance share awards and 8,345 restricted stock units. The Company granted 65,785 equity awards to its employees in 2018, consisting of 65,785 shares of restricted stock. The following table presents the activity related to stock options and SARs under all plans for the year ended December 31, 2020. Number of Shares/Rights Weighted Average Exercise Price Weighted Average Remaining Contractual Term Aggregate Intrinsic Value Outstanding at January 1, 2020 157,622 $ 49.72 Granted 0 0.00 Exercised (13,235) 39.98 Forfeited 0 0.00 Outstanding at December 31, 2020 144,387 $ 50.61 3.48 $ 2,991,656 Exercisable at December 31, 2020 118,697 $ 49.17 3.23 $ 2,622,344 Total stock-based compensation expense for stock options and SARs was $194,000 in 2020, $235,000 in 2019, and $304,000 in 2018. As of December 31, 2020, unrecognized compensation cost related to unvested stock options and SARs totaled $191,000. The cost is expected to be recognized over a weighted average period of 1.3 years. Net cash proceeds, tax benefits and intrinsic value related to total stock options, SARs, and restricted stock exercised is as follows: (in thousands) 2020 2019 2018 Proceeds from stock option exercises $ (253) $ (992) $ (540) Tax benefits related to stock option exercises 156 944 680 Intrinsic value of stock option exercises 570 2,460 1,447 The Company uses the Black-Scholes option-valuation model to determine the fair value of incentive stock options and SARs at the date of grant. The valuation model estimates fair value based on the assumptions for the risk-free rate, expected dividend yield, volatility and expected life. The risk-free rate is the interest rate available on zero-coupon U.S. Treasury instruments with a remaining term equal to the expected term of the share option at the time of grant. The expected dividend yield is based on the dividend trends and the market price of the Company’s stock price at grant. Volatility is largely based on historical volatility of the Company’s stock price. The expected term is based upon historical experience of employee exercises and terminations as the vesting term of the grants. The fair values of the grants are expensed over the vesting periods. There were no incentive stock options or SARs granted in 2020, 2019 and 2018. December 31, 2020 Options and SARs Outstanding Options and SARs Exercisable Range of Exercise Prices Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Number Exercisable Weighted Average Exercise Price $35.71-37.50 22,872 0.63 $ 37.00 22,872 $ 37.00 $37.51-41.00 24,711 2.28 $ 40.60 24,711 $ 40.60 $41.01-50.00 46,886 3.80 $ 49.22 38,066 $ 49.22 $50.01-76.90 49,696 5.07 $ 63.01 32,881 $ 63.82 $76.91-86.18 222 5.89 $ 86.18 167 $ 86.18 144,387 3.48 $ 50.61 118,697 $ 49.17 The following table presents activity related to restricted stock awards and restricted stock units for the year ended December 31, 2020. Number of Shares Weighted Average Grant Date Fair Value Unvested at January 1, 2020 247,967 $ 73.66 Granted 86,411 63.44 Vested (73,272) 64.06 Forfeited (6,117) 75.98 Unvested at December 31, 2020 254,989 $ 70.55 The Company granted 69,451 restricted stock awards, 10,415 restricted stock units and 6,545 performance share awards in 2020, each at an average grant date fair value of $63.44. The Company granted 49,365 restricted stock awards, 8,345 restricted stock units and 4,650 performance share awards in 2019, each at an average grant date fair value of $89.21. The Company granted 65,785 restricted stock awards in 2018 at an average grant date fair value of $75.44. The grant date fair values were the closing prices of the Company’s common stock on the grant dates. The Company recognized stock-based compensation related to restricted stock awards, restricted stock units, and performance share awards of $4.7 million in 2020, $4.0 million in 2019, and $3.2 million in 2018. Unrecognized compensation costs related to restricted stock and performance awards, and restricted stock units totaled $13.5 million at December 31, 2020 and will be recognized over 3.4 years and 4.5 years, respectively on a weighted average basis.

Other Noninterest Income and Ex

Other Noninterest Income and Expense	12 Months Ended
	Dec. 31, 2020
Other Income and Expenses [Abstract]
Other Noninterest Income and Expense	Other Noninterest Income and Expense Other income and operating expense totals are presented in the table below. Components of these totals exceeding 1%, and other significant items, of the aggregate of total other noninterest income and total other noninterest expenses for any of the years presented below are stated separately. Year ended December 31, (In thousands) 2020 2019 2018 NONINTEREST INCOME Other service charges $ 2,835 $ 3,166 $ 3,263 Increase in cash surrender value of corporate owned life insurance 2,188 2,164 1,818 Net gain on sale of loans 2,054 227 458 Gain on sale of fixed assets 3 98 2,954 Other miscellaneous income 1,737 2,761 4,637 Total other noninterest income $ 8,817 $ 8,416 $ 13,130 NONINTEREST EXPENSES Marketing expense $ 4,750 $ 4,856 $ 5,495 Professional fees 6,054 8,942 8,564 Technology expense 11,791 10,666 10,099 Cardholder expense 3,252 3,238 3,277 FDIC insurance 2,398 773 2,618 Other miscellaneous expenses 17,546 17,774 20,868 Total other noninterest expenses $ 45,791 $ 46,249 $ 50,921

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2020
Revenue from Contract with Customer [Abstract]
Revenue Recognition	Revenue Recognition As stated in Note 1 - "Summary of Significant Accounting Policies," the Company adopted ASU No. 2014-09 “Revenue from Contracts with Customers” (ASC 606) and all subsequent ASUs that modified ASC 606 on January 1, 2018. ASC 606 does not apply to revenue associated with financial instruments, including revenue from loans and securities. In addition, certain noninterest income streams such as fees associated with mortgage servicing rights, financial guarantees, derivatives, and certain credit card fees are also not in scope of the new guidance. ASC 606 is applicable to noninterest revenue streams such as trust and asset management income, deposit related fees, interchange fees, merchant income, and annuity and insurance commissions. However, the recognition of these revenue streams did not change significantly upon adoption of ASC 606. Insurance Commissions and Fees Insurance commissions and fees from insurance product sales are typically earned upon the effective date of bound coverage, as no significant performance obligation remains after coverage is bound. Commission revenue on policies billed in installments is now 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. The impact of these changes was not significant, but it will result in slight variances from quarter to quarter. Contingent commissions are estimated based upon management’s expectations for the year with an appropriate constraint applied and accrued relative to the recognition of the corresponding core commissions. 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 Services (SAM) 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, 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. Payment on these revenue streams is received primarily through a direct charge to the customer’s account, immediately or in the following month, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606, for the years ended December 31, 2020, 2019, and 2018.. Year Ended (In thousands) 12/31/2020 12/31/2019 12/31/2018 Noninterest Income In-scope of Topic 606: Insurance Revenues $ 31,505 $ 31,091 $ 29,369 Investment Service Income 17,520 16,434 17,288 Service Charges on Deposit Accounts 6,312 8,321 8,435 Card Services Income 9,263 10,526 9,693 Other 1,146 1,183 1,176 Noninterest Income (in-scope of ASC 606) 65,746 67,555 65,961 Noninterest Income (out-of-scope of ASC 606) 8,114 7,878 11,488 Total Noninterest Income $ 73,860 $ 75,433 $ 77,449 Contract Balances A contract asset balance occurs when an entity performs a service for a customer before the customer pays consideration or before payment is due, which would result in contract receivables or assets, respectively. 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 for which payment is due from the customer. 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. 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 $5.2 million and $2.2 million, respectively, at December 31, 2020, compared to $4.7 million and $2.0 million, respectively, at December 31, 2019. Additionally, the Company had contract assets related to contingent income of $2.5 million and $2.2 million, respectively, related to period end 2020 and 2019, and contract liabilities of $2.0 million for both year end 2020 and 2019. Contract Acquisition Costs In connection with the adoption of ASC 606, an entity is required to capitalize, and subsequently amortize into expense, certain incremental costs of obtaining a contract with a customer if these costs are expected to be recovered. The incremental costs of obtaining a contract are those costs that an entity incurs to obtain a contract with a customer that it would not have incurred if the contract had not been obtained (for example, sales commission). The Company utilizes the practical expedient which allows entities to immediately expense contract acquisition costs when the asset that would have resulted from capitalizing these costs would have been amortized in one year or less. Upon adoption of ASC 606, the Company did not capitalize any contract acquisition costs.

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Income Taxes	Income Taxes The income tax expense (benefit) attributable to income from operations is summarized as follows: (In thousands) Current Deferred Total 2020 Federal $ 22,199 $ (5,247) $ 16,952 State 4,009 (1,037) 2,972 Total $ 26,208 $ (6,284) $ 19,924 2019 Federal $ 15,161 $ 2,668 $ 17,829 State 2,782 405 3,187 Total $ 17,943 $ 3,073 $ 21,016 2018 Federal $ 16,391 $ 2,281 $ 18,672 State 3,060 73 3,133 Total $ 19,451 $ 2,354 $ 21,805 The primary reasons for the differences between income tax expense and the amount computed by applying the statutory federal income tax rate to earnings are as follows: 2020 2019 2018 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % State income taxes, net of federal benefit 2.4 2.5 2.4 Tax exempt income (1.8) (1.5) (1.5) Excess benefits from equity-based compensation (0.2) (0.8) (0.6) Bank-owned life insurance income (0.5) (0.5) (0.4) Federal tax credit (0.4) (0.7) (0.6) All other (0.1) 0.5 0.6 Total 20.4 % 20.5 % 20.9 % Deferred income taxes reflect the net tax effects of temporary differences between the carrying amount of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of the Company’s deferred tax assets and liabilities as of December 31 were as follows: (In thousands) 2020 2019 Deferred tax assets: Allowance for credit losses $ 13,095 $ 9,913 Lease liability 7,858 8,363 Interest income on nonperforming loans 500 368 Compensation and benefits 11,580 10,972 Liabilities held at fair value 20 4 Deferred loan fees and costs 1,783 732 Other 1,097 1,110 Total $ 35,933 $ 31,462 Deferred tax liabilities: Prepaid pension 10,254 9,856 Right of use asset 7,270 7,790 Depreciation 3,735 4,688 Intangibles 1,266 1,128 Purchase accounting adjustments 5 274 Leases 2,425 2,472 Other 1,504 1,478 Total deferred tax liabilities $ 26,459 $ 27,686 Net deferred tax asset at year-end $ 9,474 $ 3,776 Net deferred tax asset at beginning of year $ 3,776 $ 6,849 Decrease (increase) in net deferred tax asset 5,698 (3,073) CECL accounting standard adoption recorded through equity $ 586 $ 0 Deferred tax expense $ (6,284) $ 3,073 The above analysis does not include recorded deferred tax assets (liabilities) of $(6.7) million and $(1.3) million as of December 31, 2020 and 2019, respectively, related to net unrealized holdings losses/(gains) in the available-for-sale securities portfolio. In addition, the analysis excludes recorded deferred tax assets of $17.1 million and $15.5 million, as of December 31, 2020 and 2019, respectively, related to employee benefit plans. Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax assets will not be realized. In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax liabilities, the level of historical taxable income, and the projected future taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible. Based on its assessment, management determined that no valuation allowance was necessary at December 31, 2020 and 2019. At December 31, 2020 and December 31, 2019, the Company had no ASC 740-10 unrecognized tax benefits. The Company does not expect the total amount of unrecognized tax benefits to significantly increase within the next twelve months. The Company recognizes interest and penalties on unrecognized tax benefits in income tax expense in its Consolidated Statements of Income. The Company is subject to U.S. federal income tax and income tax in New York and various state jurisdictions. All tax years ending after December 31, 2016 are open to examination by the taxing authorities.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2020
Stockholders' Equity Note [Abstract]
Other Comprehensive Income (Loss)	Other Comprehensive Income (Loss) The tax effect allocated to each component of other comprehensive income (loss) were as follows: December 31, 2020 Before-Tax Amount Tax (Expense) Benefit Net of Tax Available-for-sale securities: (In thousands) Change in net unrealized gain during the period $ 22,381 $ (5,487) $ 16,894 Reclassification adjustment for net realized gain on sale included in available-for-sale securities (430) 106 (324) Net unrealized gains 21,951 (5,381) 16,570 Employee benefit plans: Net retirement plan loss (9,309) 2,281 (7,028) Amortization of net retirement plan actuarial gain 2,366 (580) 1,786 Amortization of net retirement plan prior service (cost) credit 214 (52) 162 Employee benefit plans (6,729) 1,649 (5,080) Other comprehensive income $ 15,222 $ (3,732) $ 11,490 December 31, 2019 Before-Tax Amount Tax (Expense) Benefit Net of Tax Available-for-sale securities: (In thousands) Change in net unrealized loss during the period $ 33,431 $ (8,190) $ 25,241 Unrealized gains on HTM securities transferred to AFS securities 3,777 (925) 2,852 Reclassification adjustment for net realized loss on sale included in available-for-sale securities (616) 151 (465) Net unrealized gains 36,592 (8,964) 27,628 Employee benefit plans: Net retirement plan loss (10,122) 2,480 (7,642) Net actuarial gain due to curtailment (399) 97 (302) Net retirement plan prior service credit (1,819) 446 (1,373) Amortization of net retirement plan actuarial gain 1,677 (411) 1,266 Amortization of net retirement plan prior service (cost) credit 32 (8) 24 Employee benefit plans (10,631) 2,604 (8,027) Other comprehensive income $ 25,961 $ (6,360) $ 19,601 December 31, 2018 Before-Tax Amount Tax (Expense) Benefit Net of Tax Available-for-sale securities: (In thousands) Change in net unrealized loss during the period $ (14,550) $ 3,569 $ (10,981) Reclassification adjustment for net realized loss on sale included in available-for-sale securities 440 (108) 332 Net unrealized losses (14,110) 3,461 (10,649) Employee benefit plans: Net retirement plan loss (3,437) 843 (2,594) Amortization of net retirement plan actuarial loss 1,719 (421) 1,298 Amortization of net retirement plan prior service (cost) credit 15 (4) 11 Employee benefit plans (1,703) 418 (1,285) Other comprehensive loss $ (15,813) $ 3,879 $ (11,934) The following table presents the activity in our accumulated other comprehensive loss for the periods indicated: (In thousands) Available-for-Sale Employee Benefit Accumulated Other Balance at January 1, 2018 $ (13,005) $ (38,291) $ (51,296) Other comprehensive loss (10,649) (1,285) (11,934) Adoption of ASU 2016-01 65 0 65 Balance at December 31, 2018 $ (23,589) $ (39,576) $ (63,165) Balance at January 1, 2019 (23,589) (39,576) (63,165) Other comprehensive income (loss) 27,628 (8,027) 19,601 Balance at December 31, 2019 $ 4,039 $ (47,603) $ (43,564) Balance at January 1, 2020 4,039 (47,603) (43,564) Other comprehensive income (loss) 16,570 (5,080) 11,490 Balance at December 31, 2020 $ 20,609 $ (52,683) $ (32,074) December 31, 2020 Details about Accumulated other Comprehensive Income Components (in thousands) Amount Reclassified from Accumulated Other Comprehensive (Loss) 1 Affected Line Item in the Statement Where Net Income is Presented Available-for-sale securities: Unrealized gains and losses on available-for-sale securities $ 430 Net (loss) gain on securities transactions (106) Tax expense 324 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial gain (2,366) Other operating expense Net retirement plan prior service credit (214) Other operating expense (2,580) Total before tax 632 Tax benefit $ (1,948) Net of tax December 31, 2019 Details about Accumulated other Comprehensive Income Components (in thousands) Amount Reclassified from Accumulated Other Comprehensive (Loss) 1 Affected Line Item in the Statement Where Net Income is Presented Available-for-sale securities: Unrealized gains and losses on available-for-sale securities $ 616 Net (loss) gain on securities transactions (151) Tax benefit 465 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial gain (1,677) Other operating expense Net retirement plan prior service credit (32) Other operating expense (1,709) Total before tax 419 Tax benefit $ (1,290) Net of tax 1 Amounts in parentheses indicate debits in income statement. 2 The accumulated other comprehensive income (loss) components are included in the computation of net periodic benefit cost (See Note 11 - “Employee Benefit Plans”).

Commitments and Contingent Liab

Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	Commitments and Contingent Liabilities The Company, in the normal course of business, is a party to financial instruments with off-balance-sheet risk to meet the financial needs of its customers. These financial instruments include loan commitments, standby letters of credit, and unused portions of lines of credit. The contract, or notional amount, of these instruments represents the Company’s involvement in particular classes of financial instruments. These instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized on the Consolidated Statements of Condition. The Company’s maximum potential obligations to extend credit for loan commitments (unfunded loans, unused lines of credit, and standby letters of credit) outstanding on December 31 were as follows: (In thousands) 2020 2019 Loan commitments $ 144,593 $ 149,397 Standby letters of credit 31,441 30,460 Undisbursed portion of lines of credit 830,930 800,316 Total $ 1,006,964 $ 980,173 Commitments to extend credit (including lines of credit) are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Standby letters of credit are conditional commitments to guarantee the performance of a customer to a third party. 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 December 31, 2020, the Company’s maximum potential obligation under standby letters of credit was $31.4 million. Management uses the same credit policies in making commitments to extend credit and standby letters of credit as are used for on-balance-sheet lending decisions. Based upon management’s evaluation of the counterparty, the Company may require collateral to support commitments to extend credit and standby letters of credit. The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value. The Company does not anticipate losses as a result of these transactions. These commitments also have off-balance-sheet interest-rate risk, in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled. Since some commitments and standby letters of credit are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash flow requirements. At December 31, 2020, the Company had rate lock agreements associated with mortgage loans to be sold in the secondary market (certain of which relate to loan applications for which no formal commitment has been made) amounting to approximately $0.4 million. In order to limit the interest rate risk associated with rate lock agreements, as well as the interest rate risk associated with mortgages held for sale, if any, the Company enters into agreements to sell loans in the secondary market to unrelated investors on a loan-by-loan basis. At December 31, 2020, the Company had approximately $4.4 million of commitments to sell mortgages to unrelated investors on a loan-by-loan basis.

Earnings Per Share

Earnings Per Share	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
Earnings Per Share	Earnings Per Share Calculation of basic earnings per share (Basic EPS) and diluted earnings per share (Diluted EPS) is shown below. Year ended December 31, (In thousands, except share and per share data) 2020 2019 2018 Basic Net income available to common shareholders $ 77,588 $ 81,718 $ 82,308 Less: income attributable to unvested stock-based compensation awards (857) (1,306) (1,315) Net earnings allocated to common shareholders 76,731 80,412 80,993 Weighted average shares outstanding, including unvested stock-based compensation awards 14,933,990 15,149,535 15,283,914 Less: average unvested stock-based compensation awards (230,600) (242,478) (244,685) Weighted average shares outstanding - Basic 14,703,390 14,907,057 15,039,229 Diluted Net earnings allocated to common shareholders 76,731 80,412 80,993 Weighted average shares outstanding - Basic 14,703,390 14,907,057 15,039,229 Plus: incremental shares from assumed conversion of stock-based compensation awards 38,650 66,894 93,028 Weighted average shares outstanding - Diluted 14,742,040 14,973,951 15,132,257 Basic EPS $ 5.22 $ 5.39 $ 5.39 Diluted EPS $ 5.20 $ 5.37 $ 5.35

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 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). The three levels of the fair value hierarchy 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 December 31, 2020 and 2019 segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value. Recurring Fair Value Measurements December 31, 2020 (In thousands) Fair Value 12/31/2020 (Level 1) (Level 2) (Level 3) Available-for-sale securities Obligations of U.S. Government sponsored entities $ 607,480 $ 0 $ 607,480 $ 0 Obligations of U.S. states and political subdivisions 129,746 0 129,746 0 Mortgage-backed securities - residential, issued by U.S. Government agencies 182,108 0 182,108 0 U.S. Government sponsored entities 705,480 0 705,480 0 U.S. corporate debt securities 2,379 0 2,379 0 Total Available-for-sale securities $ 1,627,193 $ 0 $ 1,627,193 $ 0 Equity securities $ 929 $ 0 $ 0 $ 929 The change in the fair value of the $929,000 of equity securities valued using significant unobservable inputs (level 3), between January 1, 2020 and December 31, 2020 was immaterial. Recurring Fair Value Measurements December 31, 2019 (In thousands) Fair Value 12/31/2019 (Level 1) (Level 2) (Level 3) Available-for-sale 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 securities $ 1,298,587 $ 0 $ 1,298,587 $ 0 Equity securities $ 915 $ 0 $ 0 $ 915 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. For miscellaneous equity securities, carrying value is cost. These securities are reviewed periodically to determine if there are any events or changes in circumstances that would adversely affect their value. The Company determines fair value for its available-for-sale securities using an independent bond pricing service for identical assets or very similar securities. The pricing service uses a variety of techniques to determine fair value, including market maker bids, quotes and pricing models. Inputs to the model include recent trades, benchmark interest rates, spreads, and actual and projected cash flows. The Company reviews the prices supplied by the independent pricing service, as well as their underlying pricing methodologies, for reasonableness and to ensure such prices are aligned with traditional pricing matrices. In general, the Company’s investment portfolio consists of traditional investments, nearly all of which are U.S. Treasury obligations, federal agency bullet or mortgage pass-through securities, or general obligation municipal bonds. Pricing for such instruments is fairly generic and is easily obtained. At least annually, the Company will validate prices supplied by the independent pricing service by comparing to prices obtained from a second third-party source. Based on the inputs used by our independent pricing services, the Company identifies the appropriate level within the fair value hierarchy to report these fair values. Certain assets are measured at fair value on a nonrecurring basis, that is, they are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances. For the Company, these include loans held for sale, collateral dependent individually evaluated loans, other real estate owned, goodwill and other intangible assets. During 2020, certain collateral dependent individually evaluated loans and other real estate owned at December 31, 2020, were adjusted down to fair value. Collateral values are estimated using Level 2 inputs based upon observable market data. Real estate values are generally valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally available in the market. (In thousands) Fair value measurements at reporting date using: Gain (losses) from fair value changes As of Quoted prices in active markets for identical assets Significant other observable inputs Significant unobservable inputs Year ended Assets: 12/31/2020 (Level 1) (Level 2) (Level 3) 12/31/2020 Individually evaluated loans $ 22,171 $ 0 $ 22,171 $ 0 $ (1,855) Other real estate owned 88 0 88 0 (35) (In thousands) Fair value measurements at reporting date using: Gain (losses) from fair value changes As of Quoted prices in active markets for identical assets Significant other observable inputs Significant unobservable inputs Year ended Assets: 12/31/2019 (Level 1) (Level 2) (Level 3) 12/31/2019 Individually evaluated loans $ 14,050 $ 0 $ 14,050 $ 0 $ (4,184) Other real estate owned 315 0 315 0 (94) The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments at December 31, 2020 and 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. generally accepted accounting principles and does not always incorporate the exit-price concept of fair value prescribed by ASC Topic 820-10 and should be read in conjunction with the financial statements and notes included in this Report. Estimated Fair Value of Financial Instruments December 31, 2020 (In thousands) Carrying Amount Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 388,462 $ 388,462 $ 388,462 $ 0 $ 0 FHLB and FRB stock 16,382 16,382 0 16,382 0 Accrued interest receivable 32,025 32,025 0 32,025 0 Loans and leases, net 1 5,208,658 5,226,301 0 22,171 5,204,130 Financial Liabilities: Time deposits $ 746,234 $ 753,045 $ 0 $ 753,045 $ 0 Other deposits 5,691,518 5,691,518 0 5,691,518 0 Securities sold under agreements to repurchase 65,845 65,845 0 65,845 0 Other borrowings 265,000 274,238 0 274,238 0 Trust preferred debentures 13,220 18,483 0 18,483 0 Accrued interest payable 1,727 1,727 0 1,727 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. Estimated Fair Value of Financial Instruments December 31, 2019 (In thousands) Carrying Amount Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 137,982 $ 137,982 $ 137,982 $ 0 $ 0 FHLB and FRB stock 33,695 33,695 0 33,695 0 Accrued interest receivable 19,293 19,293 0 19,293 0 Loans and 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 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. FHLB and FRB Stock The carrying amount of FHLB and FRB stock approximates fair value. If the stock is redeemed, the Company will receive an amount equal to the par value of the stock. 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. 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. 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.

Regulations and Supervision

Regulations and Supervision	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Regulations and Supervision	Regulations and Supervision Capital Requirements: The Company and its subsidiary banks are subject to various regulatory capital requirements administered by Federal bank regulatory agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material adverse effect on the Company’s business, results of operation and financial condition. Under capital adequacy guidelines and the regulatory framework for prompt corrective action (PCA), banks must meet specific guidelines that involve quantitative measures of assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. Capital amounts and classifications of the Company and its subsidiary banks are also subject to qualitative judgments by regulators concerning components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the maintenance of minimum amounts and ratios (set forth in the table below) of common equity Tier I capital, total capital and Tier 1 capital to risk-weighted assets (as defined in the regulation), and of Tier 1 capital to average assets (as defined in the regulation). Management believes that the Company and its subsidiary banks meet all capital adequacy requirements to which they are subject. As of December 31, 2020, the most recent notifications from Federal bank regulatory agencies categorized Tompkins Trust Company, The Bank of Castile, Mahopac Bank, and VIST Bank as “well capitalized” under the regulatory framework for PCA. To be categorized as well capitalized, the Company and its subsidiary banks must maintain total risk-based, Tier 1 risk-based, common equity Tier 1 capital and Tier 1 leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the capital category of the Company or its subsidiary banks. In the first quarter of 2020, U.S. Federal regulatory authorities issued an interim final rule that provided banking organizations that adopt CECL during the 2020 calendar year with the option to delay for two years the estimated impact of CECL on regulatory capital relative to regulatory capital determined under the prior incurred loss methodology, followed by a three-year transition period to phase out the aggregate amount of the capital benefit provided during the initial two-year delay (i.e., a five- year transition in total). In connection with our adoption of CECL on January 1, 2020, we elected to utilize the five-year CECL transition. The following table presents actual and required capital ratios as of December 31, 2020 and December 31, 2019 for Tompkins and its four banking subsidiaries. The minimum required capital amounts presented include the minimum required capital levels as of January 1, 2020. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. Actual capital amounts and ratios of the Company and its subsidiary banks are as follows: Actual Minimum Capital Required- Basel III Fully-Phased-In Required (dollar amounts in thousands) Amount/Ratio Amount/Ratio Amount/Ratio December 31, 2020 Total Capital (to risk-weighted assets) The Company (consolidated) $720,755 /14.4% $525,755/>10.5% $500,719/>10.0% Trust Company $210,756/14.7% $150,482/>10.5% $143,316/>10.0% Castile $157,514/12.6% $131,034/>10.5% $124,795/>10.0% Mahopac $133,969/13.0% $108,129/>10.5% $102,980/>10.0% VIST $175,931/13.7% $134,615/>10.5% $128,205/>10.0% Common Equity Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $654,144/13.1% $350,503/>7.0% $325,467/>6.5% Trust Company $196,522/13.7% $100,321/>7.0% $93,156/>6.5% Castile $144,448/11.6% $87,356/>7.0% $81,117/>6.5% Mahopac $122,393/11.9% $72,086/>7.0% $66,937/>6.5% VIST $163,895/12.8% $89,743/>7.0% $83,333/>6.5% Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $667,364/13.3% $425,611/>8.5% $400,575/>8.0% Trust Company $196,522/13.7% $121,819/>8.5% $114,653/>8.0% Castile $144,448/11.6% $106,076/>8.5% $99,836/>8.0% Mahopac $122,393/11.9% $87,533/>8.5% $82,384/>8.0% VIST $163,895/12.8% $108,794/>8.5% $102,564/>8.0% Tier 1 Capital (to average assets) The Company (consolidated) $667,364/8.8% $305,083/>4.0% $381,354/>5.0% Trust Company $196,522/8.2% $95,691/>4.0% $119,614/>5.0% Castile $144,448/8.1% $71,605/>4.0% $89,507/>5.0% Mahopac $122,393/8.2% $59,742/>4.0% $74,678/>5.0% VIST $163,895/8.4% $77,874/>4.0% $83,333/>5.0% December 31, 2019 Total Capital (to risk-weighted assets) The Company (consolidated) $666,106 /13.5% $517,039/>10.5% $492,418/>10.0% Trust Company $197,660/14.1% $147,405/>10.5% $140,386/>10.0% Castile $145,669/12.2% $125,493/>10.5% $119,517/>10.0% Mahopac $128,238/13.0% $103,800/>10.5% $98,857/>10.0% VIST $161,559/12.2% $139,235/>10.5% $132,605/>10.0% Common Equity Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $607,290/12.3% $344,692/>7.0% $320,072/>6.5% Trust Company $185,499/13.2% $98,270/>7.0% $91,251/>6.5% Castile $136,342/11.4% $83,662/>7.0% $77,686/>6.5% Mahopac $116,953/11.8% $69,200/>7.0% $64,257/>6.5% VIST $152,550/11.5% $92,823/>7.0% $86,193/>6.5% Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $624,325/12.7% $418,555/>8.5% $393,934/>8.0% Trust Company $185,499/13.2% $119,328/>8.5% $112,309/>8.0% Castile $136,342/11.4% $101,589/>8.5% $95,614/>8.0% Mahopac $116,953/11.8% $84,029/>8.5% $79,086/>8.0% VIST $152,550/11.5% $112,714/>8.5% $106,084/>8.0% Tier 1 Capital (to average assets) The Company (consolidated) $624,325/9.6% $259,903/>4.0% $324,879/>5.0% Trust Company $185,499/9.2% $81,001/>4.0% $101,252/>5.0% Castile $136,342/9.2% $59,239/>4.0% $74,049/>5.0% Mahopac $116,953/8.9% $52,469/>4.0% $65,586/>5.0% VIST $152,550/8.7% $70,228/>4.0% $87,785/>5.0%

Condensed Parent Company Only F

Condensed Parent Company Only Financial Statements	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
Condensed Parent Company Only Financial Statements	Condensed Parent Company Only Financial Statements Condensed financial statements for Tompkins (the Parent Company) as of December 31, 2020, 2019 and 2018 are presented below. Condensed Statements of Condition (In thousands) 2020 2019 Assets Cash $ 16,588 $ 14,631 Investment in subsidiaries, at equity 707,721 664,775 Other 5,965 3,873 Total Assets $ 730,274 $ 683,279 Liabilities and Shareholders’ Equity Borrowings 0 4,000 Trust preferred debentures issued to non-consolidated subsidiary 13,220 17,035 Other liabilities 777 602 Tompkins Financial Corporation Shareholders’ Equity 716,277 661,642 Total Liabilities and Shareholders’ Equity $ 730,274 $ 683,279 Condensed Statements of Income (In thousands) 2020 2019 2018 Dividends received from subsidiaries $ 60,818 $ 72,827 $ 44,518 Other income 52 240 332 Total Operating Income $ 60,870 $ 73,067 $ 44,850 Interest expense 1,241 1,450 1,468 Other expenses 9,184 8,409 7,222 Total Operating Expenses $ 10,425 $ 9,859 $ 8,690 Income Before Taxes and Equity in Undistributed Earnings of Subsidiaries 50,445 63,208 36,160 Income tax benefit 2,160 2,085 1,687 Equity in undistributed earnings of subsidiaries 24,983 16,425 44,461 Net Income $ 77,588 $ 81,718 $ 82,308 Condensed Statements of Cash Flows (In thousands) 2020 2019 2018 Operating activities Net income $ 77,588 $ 81,718 $ 82,308 Adjustments to reconcile net income to net cash provided by operating activities Equity in undistributed earnings of subsidiaries (24,983) (16,425) (44,461) Other, net (1,541) 3,209 1,014 Net Cash Provided by Operating Activities 51,064 68,502 38,861 Investing activities Other, net (100) 3,265 0 Net Cash (Used in) Provided by Investing Activities (100) 3,265 0 Financing activities Borrowings, net (4,000) 0 (5,000) Cash dividends (31,359) (30,637) (29,634) Repurchase of common shares (9,414) (29,867) (2,448) Redemption of trust preferred debentures (4,124) 0 0 Net proceeds from restricted stock awards (1,682) (1,875) (1,403) Shares issued for dividend reinvestment plan 1,825 0 0 Shares issued for employee stock ownership plan 0 0 3,073 Net proceeds from exercise of stock options (253) (992) (540) Net Cash Used in Financing Activities (49,007) (63,371) (35,952) Net increase in cash 1,957 8,396 2,909 Cash at beginning of year 14,631 6,235 3,326 Cash at End of Year $ 16,588 $ 14,631 $ 6,235 A Statement of Changes in Shareholders’ Equity has not been presented since it is the same as the Consolidated Statement of Changes in Shareholders’ Equity previously presented.

Segment and Related Information

Segment and Related Information	12 Months Ended
	Dec. 31, 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 and financial services (“Banking”), (ii) insurance services (“Tompkins Insurance Agencies, Inc.”) and (iii) wealth management (“Tompkins Financial Advisors”). The Company’s insurance services and wealth management 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 14 banking offices operated in Ithaca, NY and surrounding communities; The Bank of Castile (DBA Tompkins Bank of Castile), a commercial bank with 16 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 14 full-service banking offices located in the counties north of New York City; and VIST Bank (DBA Tompkins VIST Bank), a banking organization with 20 banking offices headquartered and operating in Southeastern Pennsylvania. Banking services consist primarily of attracting deposits from the areas served by the Company’s banking subsidiaries and using those deposits to originate a variety of commercial loans, agricultural loans, consumer loans, real estate loans and leases in those same areas. The Company’s subsidiary banks provide a variety of retail banking services including checking accounts, savings accounts, time deposits, IRA products, residential mortgage loans, personal loans, home equity loans, credit cards, debit cards and safe deposit services delivered through its branch facilities, ATMs, voice response, mobile banking, Internet banking and remote deposit services. The Company’s subsidiary banks also provide a variety of commercial banking services such as lending activities for a variety of business purposes, including real estate financing, construction, equipment financing, accounts receivable financing and commercial leasing. Other commercial services include deposit and cash management services, letters of credit, sweep accounts, credit cards, Internet-based account services, mobile banking and remote deposit services. The banking subsidiaries do not engage in sub-prime lending. Insurance The Company provides property and casualty insurance services and employee benefits consulting through Tompkins Insurance Agencies, Inc., a wholly-owned subsidiary of the Company, headquartered in Batavia, New York. Tompkins Insurance is an independent insurance agency, representing many major insurance carriers. Tompkins Insurance 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. Through the 2012 acquisition of VIST Financial, Tompkins Insurance expanded its operations with the addition of VIST Insurance, a full service agency offering a similar array of insurance products as Tompkins Insurance in southeastern Pennsylvania. Tompkins Insurance offers services to customers of the Company’s banking subsidiaries by sharing offices with The Bank of Castile, Tompkins Trust Company and VIST Bank. In addition to these shared offices, 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 and financial 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 Note 1 “Summary of Significant Accounting Policies” in this Report. As of and for the year ended December 31, 2020 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 254,330 $ 4 $ 0 $ (4) $ 254,330 Interest expense 28,995 0 0 (4) 28,991 Net interest income 225,335 4 0 0 225,339 Provision for credit loss expense 16,151 0 0 0 16,151 Noninterest income 26,015 31,930 18,131 (2,216) 73,860 Noninterest expense 148,742 25,941 12,915 (2,216) 185,382 Income before income tax expense 86,457 5,993 5,216 0 97,666 Income tax expense 17,033 1,625 1,266 0 19,924 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 69,424 4,368 3,950 0 77,742 Less: Net income attributable to noncontrolling interests 154 0 0 0 154 Net Income attributable to Tompkins Financial Corporation $ 69,270 $ 4,368 $ 3,950 $ 0 $ 77,588 Depreciation and amortization $ 9,912 $ 229 $ 51 $ 0 $ 10,192 Assets 7,564,342 41,812 28,616 (12,599) 7,622,171 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 2,418 2,398 89 0 4,905 Net loans and leases 5,208,658 0 0 0 5,208,658 Deposits 6,449,289 0 0 (11,537) 6,437,752 Total equity 660,334 31,455 25,900 0 717,689 As of and for the year ended December 31, 2019 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 261,378 $ 3 $ 0 $ (3) $ 261,378 Interest expense 50,753 0 0 (3) 50,750 Net interest income 210,625 3 0 0 210,628 Provision for loan and lease losses 1,366 0 0 0 1,366 Noninterest income 29,054 31,501 17,001 (2,123) 75,433 Noninterest expense 145,102 25,908 12,947 (2,123) 181,834 Income before income tax expense 93,211 5,596 4,054 0 102,861 Income tax expense 18,598 1,426 992 0 21,016 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 74,613 4,170 3,062 0 81,845 Less: Net income attributable to noncontrolling interests 127 0 0 0 127 Net Income attributable to Tompkins Financial Corporation $ 74,486 $ 4,170 $ 3,062 $ 0 $ 81,718 Depreciation and amortization $ 9,778 $ 225 $ 41 $ 0 $ 10,044 Assets 6,671,409 41,841 24,313 (11,940) 6,725,623 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 3,215 2,860 148 0 6,223 Net loans and leases 4,877,658 0 0 0 4,877,658 Deposits 5,223,893 0 0 (10,972) 5,212,921 Total equity 608,901 32,204 21,949 0 663,054 As of and for the year ended December 31, 2018 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 251,592 $ 3 $ 0 $ (3) $ 251,592 Interest expense 39,795 0 0 (3) 39,792 Net interest income 211,797 3 0 0 211,800 Provision for loan and lease losses 3,942 0 0 0 3,942 Noninterest income 31,738 29,760 17,997 (2,046) 77,449 Noninterest expense 145,070 25,427 12,616 (2,046) 181,067 Income before income tax expense 94,523 4,336 5,381 0 104,240 Income tax expense 19,486 1,092 1,227 0 21,805 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 75,037 3,244 4,154 0 82,435 Less: Net income attributable to noncontrolling interests 127 0 0 0 127 Net Income attributable to Tompkins Financial Corporation $ 74,910 $ 3,244 $ 4,154 $ 0 $ 82,308 Depreciation and amortization 9,194 230 130 0 $ 9,554 Assets 6,707,625 42,088 21,365 (12,642) 6,758,436 Goodwill 64,370 19,702 8,211 0 92,283 Other intangibles, net 4,224 3,192 212 0 7,628 Net loans and leases 4,790,529 0 0 0 4,790,529 Deposits 4,900,464 0 0 (11,505) 4,888,959 Total equity 568,988 32,996 18,887 0 620,871
Segment and Related Information	Unaudited Quarterly Financial DataThe Company has adopted certain provisions within the amendments to Regulation S-K that eliminate tabular presentation of unaudited quarterly financial information. There have been no material retrospective changes to financial statements for any of the quarters within the fiscal years ended December 31, 2020 and December 31, 2019.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2020
Accounting Policies [Abstract]
Basis Of Presentation	Basis Of Presentation Tompkins Financial Corporation (“Tompkins” or “the Company”) is a registered Financial Holding Company with the Federal Reserve Board pursuant to the Bank Holding Company Act of 1956, as amended, organized under the laws of New York State, and is the parent company of Tompkins Trust Company (the “Trust Company”), The Bank of Castile, Mahopac Bank, VIST Bank, and Tompkins Insurance Agencies, Inc. (“Tompkins Insurance”). The Trust Company provides a full array of trust and investment services under the Tompkins Financial Advisors brand. Unless the context otherwise requires, the term “Company” refers to Tompkins Financial Corporation and its subsidiaries. The consolidated financial information included herein combines the results of operations, the assets, liabilities, and shareholders’ equity (including comprehensive income or loss) of the Company and all entities in which the Company has a controlling financial interest. All significant intercompany balances and transactions are eliminated in consolidation. The Company determines whether it has a controlling financial interest in an entity by first evaluating whether the entity is a voting interest entity or a variable interest entity under U.S. generally accepted accounting principles. Voting interest entities are entities in which the total equity investment at risk is sufficient to enable the entity to finance itself independently and provides the equity holders with the obligation to absorb losses, the right to receive residual returns and the right to make decisions about the entity’s activities. The Company consolidates voting interest entities in which it has all, or at least a majority of, the voting interest. As defined in applicable accounting standards, variable interest entities (VIEs) are entities that lack one or more of the characteristics of a voting interest entity. A controlling financial interest in a VIE is present when the Company has both the power and ability to direct the activities of the VIE that most significantly impact the VIE’s economic performance and an obligation to absorb losses or the right to receive benefits that could potentially be significant to the VIE. Two of the Company’s wholly owned subsidiaries, Leesport Capital Trust II and Madison Statutory Trust I, are VIE’s for which the Company is not the primary beneficiary. Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements. The consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles. In preparing the financial statements, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities, and disclose contingent assets and liabilities, at the date of the financial statements and the reported amounts of revenue and expense during the reporting period. Actual results could differ from those estimates. Significant items subject to such estimates and assumptions include the allowance for credit losses, valuation of goodwill and intangible assets, deferred income tax assets, and obligations related to employee benefits. 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.
Cash and Cash Equivalents	Cash and Cash EquivalentsCash and cash equivalents in the Consolidated Statements of Cash Flows include cash and noninterest bearing balances due from banks, interest-bearing balances due from banks, Federal funds sold, 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. Historically, each bank subsidiary is required to maintain reserve balances by the Federal Reserve Bank. However, due to the COVID-19 pandemic, the Federal Reserve Board reduced reserve requirement ratios to zero percent effective March 26, 2020. The Federal Reserve Board has stated that it has no plans to re-impose reserve requirements, but that it may adjust reserve requirements ratios in the future if conditions warrant.
Securities	Securities Management determines the appropriate classification of debt and equity securities at the time of purchase. Securities are classified as held-to-maturity when the Company has the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity securities are classified as either available-for-sale or trading. Available-for-sale securities are stated at fair value with the unrealized gains and losses, net of tax, excluded from earnings and reported as a separate component of accumulated comprehensive income or loss, in shareholders’ equity. Trading securities are stated at fair value, with unrealized gains or losses included in earnings. Beginning January 1, 2018, upon adoption of ASU 2016-01, equity securities with readily determinable fair values are stated at fair value with realized and unrealized gains and losses reported in income. For periods prior to January 1, 2018, equity securities were classified as available-for-sale and stated at fair value with unrealized gains and losses reported as a separate component of accumulated other comprehensive income, net of tax. Securities with limited marketability or restricted equity securities, such as Federal Home Loan Bank stock and Federal Reserve Bank stock, are carried at cost, less any impairment, if any. At adoption of ASU 2016-01, the Company recognized a cumulative-effect adjustment of $65,000 for the after-tax impact of the unrealized loss on equity securities. Premiums and discounts are amortized or accreted over the expected life or call date of the related security as an adjustment to yield using the interest method. Dividend and interest income are recognized when earned. Realized gains and losses on the sale of securities are included in net gain (loss) on securities transactions. The cost of securities sold is based on the specific identification method. Beginning January 1, 2020, for available-for-sale debt securities in an unrealized loss position, at least quarterly, 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. Prior to January 1, 2020, we regularly evaluated our debt securities to determine whether there have been any events or economic circumstances indicating that a security with an unrealized loss has suffered other-than-temporary impairment. A debt security is considered impaired if the fair value is less than its amortized cost basis at the reporting date. If impaired, the Company then assesses whether the unrealized loss is other-than-temporary. An unrealized loss on a debt security is generally deemed to be other-than-temporary and a credit loss is deemed to exist if the present value, discounted at the security’s effective rate, of the expected future cash flows is less than the amortized cost basis of the debt security. As a result, the credit loss component of an other-than-temporary impairment write-down for debt securities is recorded in earnings while the remaining portion of the impairment loss is recognized, net of tax, in other comprehensive income provided that the Company does not intend to sell the underlying debt security and it is more-likely-than not that the Company would not have to sell the debt security prior to recovery of the unrealized loss, which may be to maturity. If the Company intended to sell any securities with an unrealized loss or it is more-likely-than not that the Company would be required to sell the investment securities, before recovery of their amortized cost basis, then the entire unrealized loss would be recorded in earnings. Accrued interest receivable on securities is excluded from the estimate of credit losses.
Loans and Leases	Loans and Leases Loans are reported at their principal outstanding balance, net of deferred loan origination fees and costs, and unearned income. The Company has the ability and intent to hold its loans for the foreseeable future, except for certain residential real estate loans held-for-sale. The Company provides motor vehicle and equipment financing to its customers through direct financing leases. These leases are carried at the aggregate of lease payments receivable, plus estimated residual values, less unearned income. Unearned income on direct financing leases is amortized over the lease terms, resulting in a level rate of return. Residential real estate loans originated and intended for sale in the secondary market are carried at the lower of aggregate cost or estimated fair value. Fair value is determined on the basis of the rates quoted in the secondary market. Net unrealized losses attributable to changes in market interest rates are recognized through a valuation allowance by charges to income. Loans are generally sold on a non-recourse basis with servicing retained. Any gain or loss on the sale of loans is recognized at the time of sale as the difference between the recorded basis in the loan and the net proceeds from the sale. The Company may use commitments at the time loans are originated or identified for sale to mitigate interest rate risk. The commitments to sell loans and the commitments to originate loans held-for-sale at a set interest rate, if originated, are considered derivatives under ASC Topic 815. The impact of the estimated fair value adjustment was not significant to the consolidated financial statements. Interest income on loans is accrued and credited to income based upon the principal amount outstanding. Loan origination fees and costs are deferred and recognized over the life of the loan as an adjustment to yield. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Loans and leases, including impaired loans, are generally classified as nonaccrual if they are past due as to maturity or payment of principal or interest for a period of more than 90 days, unless such loans are well secured and in the process of collection. Loans that are past due less than 90 days may also be classified as nonaccrual if repayment in full of principal or interest is in doubt. Loans may be returned to accrual status when all principal and interest amounts contractually due (including arrearages) are reasonably assured of repayment within an acceptable time period, and there is a sustained period (generally six consecutive months) of repayment performance by the borrower in accordance with the contractual terms of the loan agreement. 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. 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. For commercial and commercial real estate loans, this conclusion is generally based upon a review of the borrower’s financial condition and cash flow, payment history, economic conditions, and the conditions in the various markets in which the collateral, if any, may be liquidated. In general, consumer loans are charged-off in accordance with regulatory guidelines which provide that such loans be charged-off when the Company becomes aware of the loss, such as from a triggering event that may include new information about a borrower’s intent/ability to repay the loan, bankruptcy, fraud or death, among other things, but in no case will the charge-off exceed specified delinquency timeframes. Such delinquency timeframes state that closed-end retail loans (loans with pre-defined maturity dates, such as real estate mortgages, home equity loans and consumer installment loans) that become past due 120 cumulative days and open-end retail loans (loans that roll-over at the end of each term, such as home equity lines of credit) that become past due 180 cumulative days should be classified as a loss and charged-off. For residential real estate loans, charge-off decisions are based upon past due status, current assessment of collateral value, and general market conditions in the areas where the properties are located.
Acquired Loans	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 other 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 exceeded 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). Commencing 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	Allowance for Credit Losses – Loans The Company adopted ASU 2016-13 on January 1, 2020 using the modified retrospective approach. The Company recorded a net increase to retained earnings of $1.7 million, upon adoption. The transition adjustment includes a decrease in the allowance for credit losses on loans of $2.5 million, and an increase in the allowance for credit losses on off-balance sheet credit exposures of $0.4 million, net of the corresponding decrease in deferred tax assets of $0.4 million. Results for the periods beginning after January 1, 2020 are presented under Accounting Standards Codification (“ASC”) 326 and follows the current expected credit loss methodology. Prior periods continue to be reported in accordance with previously applicable U.S. GAAP, which followed the incurred credit losses methodology. The following policies noted are under the current expected credit losses methodology. A summary of the Company's previous policies under the incurred credit losses methodology follows at the end of this section. Under the current expected credit loss model, the ACL on loans is a valuation allowance estimated at the 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 amortized cost basis. 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. In addition, the Company has reserves for expected recoveries where the Company reviews the prior four quarter charge offs and applies a recovery rate based on the Company’s historical experience. 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, and 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 enable 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 DCF 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 exposure at default using estimated prepayment speeds, 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 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 an independent third party to inform its loss driver forecasts over the four-quarter forecast period. Other internal and external indicators of economic forecasts, and scenario weightings, 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. At December 31, 2020, the ACL model included increases in qualitative reserves for loans within the hospitality and other certain industries that may have an elevated level of risk due to the adverse economic impact of the COVID-19 pandemic, as well as loans that remain in the Company's payment deferral program implemented in response to the COVID-19 pandemic. The qualitative reserves were added to all portfolio segments with the majority in commercial real estate and then residential real estate. 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. Under the incurred credit losses methodology utilized in the prior periods, the allowance for loans and leases was maintained at an amount to assure that an appropriate allowance was maintained. The methodology was comprised of four major components that management had deemed appropriate in evaluating the appropriateness of the allowance for loan and lease losses. The components included: impaired loans; criticized and classified credits; historical loss experience; and qualitative or subjective analysis. For impaired loans, an allowance was recognized if the fair value of the loan was less than the recorded investment in the loan (recorded investment in the loan is the principal balance plus any accrued interest, net of deferred loan fees or costs and unamortized premium or discount). For loans that were not impaired or reviewed individually, management assigned a reserve based upon historical loss experience over a designated look-back period. Management had evaluated a variety of look-back periods and had determined that an eight year look back period was appropriate to capture a full range of economic cycles. Management had also evaluated a variety of statistical methods in analyzing loss history, including averages, weighted averages and loss emergence periods and had determined that by applying a loss emergence period analysis to historical losses over a full economic cycle had resulted in a reasonable estimate of losses inherent in the loan portfolio. The model also included an analysis of a variety of subjective factors to support the reserve estimate. These subjective factors included allowance allocations for risks that may not otherwise be fully recognized in other components of the model. Among the subjective factors that were routinely considered as part of this analysis were: growth trends in the portfolio, changes in management and/or polices related to lending activities, trends in classified or nonaccrual loans, concentrations of credit, local and national economic trends, and industry trends. For acquired credit impaired loans accounted for under FASB ASC Topic 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, (“ASC Topic 310-30”), the Company’s allowance for loan and lease losses was estimated based upon our expected cash flows for these loans. To the extent that we experienced a deterioration in borrower credit quality resulting in a decrease in our expected cash flows subsequent to the acquisition of the loans, an allowance for loan losses would be established based on our estimate of future credit losses over the remaining life of the loans. For acquired non-credit impaired loans accounted for under FASB ASC Topic 310-20, Nonrefundable Fees and Other Costs, (“ASC Topic 310-20”), the Company’s allowance for loan and lease losses was maintained through provisions for loan losses based upon an evaluation process that was similar to our evaluation process used for originated loans. This evaluation, which included a review of loans on which full collectability may not be reasonably assured, it considered, among other matters, the estimated fair value of the underlying collateral, economic conditions, historical net loan loss experience, carrying value of the loans, which included the remaining net purchase discount or premium, and other factors that warrant recognition in determining our allowance for loan losses. 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 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. Under the CARES Act, a modification deemed to be COVID-19-related is not considered to be a TDR if the loan was not more than 30 days past due as of December 31, 2019 and the deferral was executed between March 1, 2020 and the earlier of 60 days after the date of termination of the COVID-19 national emergency or December 31, 2020. The Consolidated Appropriations Act, 2021 extended the termination of these provisions to the earlier of 60 days after the COVID-19 national emergency date or January 1, 2022. The banking regulators issued similar guidance, which clarified that a COVID-19-related modification should not be considered a TDR if the borrower was current on payments at the time the underlying loan modification program was implemented and if the modification was considered to be short-term. In accordance with the CARES Act and the interagency guidance, the Company does not designate eligible loan modifications and deferrals resulting from the impacts of COVID-19 as TDRs. The Company evaluates modifications for eligibility under the CARES Act, then the interagency guidance if they do not qualify for the CARES Act relief. Modifications that are not eligible for either program continue to follow the Corporation’s established TDR policy. Additionally, loans with deferrals granted due to COVID-19 are not generally reported as past due or nonaccrual. 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.
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, less allowances for depreciation. The provision for depreciation for financial reporting purposes is computed generally by the straight-line method at rates sufficient to write-off the cost of such assets over their estimated useful lives. Buildings are amortized over a period of 10-39 years, and furniture, fixtures, and equipment are amortized over a period of 2-20 years. Leasehold improvements are generally depreciated over the lesser of the lease term or the estimated lives of the improvements. Maintenance and repairs are charged to expense as incurred. Gains or losses on disposition are reflected in earnings.
Other Real Estate Owned	Other Real Estate Owned Other real estate owned consists of properties formerly pledged as collateral to loans, which have been acquired by the Company through foreclosure proceedings or acceptance of a deed in lieu of foreclosure. Upon transfer of a loan to foreclosure status, an appraisal is generally obtained and any excess of the loan balance over the fair value, less estimated costs to sell, is charged against the allowance for credit losses. Expenses and subsequent adjustments to the fair value are treated as other operating expense.
Goodwill	Goodwill Goodwill represents the excess of purchase price over the fair value of assets acquired in a transaction using purchase accounting. Goodwill has an indefinite useful life and is not amortized, but is tested for impairment. Goodwill impairment tests are performed on an annual basis or when events or circumstances dictate. On January 1, 2020, the Company adopted ASU 2017-04 , "Intangibles - Goodwill and Other (Topic 350) - Simplifying the Test for Goodwill Impairment", which eliminates the entities requirement to compute the implied fair value. The Company tests goodwill annually as of December 31 st
Other Intangible Assets	Other Intangible Assets Other intangible assets include core deposit intangibles, customer related intangibles, covenants not to compete, and mortgage servicing rights. Core deposit intangibles represent a premium paid to acquire a base of stable, low cost deposits in the acquisition of a bank, or a bank branch, using purchase accounting. The amortization period for core deposit intangible ranges from 5 to 10 years, using an accelerated method. The covenants not to compete are amortized on a straight-line basis over 3 to 6 years, while customer related intangibles are amortized on an accelerated basis over a range of 6 to 15 years. The amortization period is monitored to determine if circumstances require such periods to be revised. The Company periodically reviews its intangible assets for changes in circumstances that may indicate the carrying amount of the asset is impaired. The Company tests its intangible assets for impairment on an annual basis or more frequently if conditions indicate that an impairment loss has more likely than not been incurred.
Income Taxes	Income Taxes Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Deferred taxes are reviewed quarterly and reduced by a valuation allowance if, based upon the information available, it is more likely than not that some or all of the deferred tax assets will not be realized. Realization of deferred tax assets is dependent upon the generation of a sufficient level of future taxable income and recoverable taxes paid in prior years. Although realization is not assured, management believes it is more likely than not that all of the deferred tax assets will be realized. The Company’s policy is to recognize interest and penalties on unrecognized tax benefits in income tax expense in the Consolidated Statements of Income.
Tax Credit Investments	Tax Credit InvestmentsThe Company accounts for its investments in qualified affordable housing projects using the proportional amortization method. Under that method, the Company amortizes the initial cost of the investment in proportion to the tax credits and other tax benefits received and recognizes the net investment performance in the income statement as a component of income tax expense.
Securities Sold Under Agreements to Repurchase	Securities Sold Under Agreements to Repurchase Securities sold under agreements to repurchase (repurchase agreements) are agreements in which the Company transfers the underlying securities to a third-party custodian’s account that explicitly recognizes the Company’s interest in the securities. The agreements are accounted for as secured financing transactions provided the Company maintains effective control over the transferred securities and meets other criteria as specified in FASB ASC Topic 860, Transfers and Servicing (“ASC Topic 860”). The Company’s agreements are accounted for as secured financings; accordingly, the transaction proceeds are reflected as liabilities and the securities underlying the agreements continue to be carried in the Company’s securities portfolio.
Treasury Stock	Treasury Stock The cost of treasury stock is shown on the Consolidated Statements of Condition as a separate component of shareholders’ equity, and is a reduction to total shareholders’ equity. Shares are released from treasury at fair value, identified on an average cost basis.
Trust and Investment Services	Trust and Investment Services Assets held in fiduciary or agency capacities for customers are not included in the accompanying Consolidated Statements of Condition, since such items are not assets of the Company. Fees associated with providing trust and investment services are included in noninterest income. Additional information on trust and investment fees is presented in Note 14 - "Revenue Recognition."
Earnings Per Share	Earnings Per Share Basic earnings per share is calculated by dividing net income available to common shareholders by the weighted average number of shares outstanding during the year, exclusive of shares represented by the unvested portion of restricted stock and restricted stock units. Diluted earnings per share is calculated by dividing net income available to common shareholders by the weighted average number of shares outstanding during the year plus the dilutive effect of the unvested portion of restricted stock and restricted stock units and stock issuable upon conversion of common stock equivalents (primarily stock options) or certain other contingencies. The Company uses authoritative accounting guidance under ASC Topic 260, Earnings Per Share , which provides that unvested share-based payment awards that contain nonforfeitable rights to dividends or dividend equivalents (whether paid or unpaid) are participating securities and shall be included in the computation of earnings per share pursuant to the two-class method. The Company issues stock-based compensation awards that included restricted stock awards that contain such rights.
Segment Reporting	Segment ReportingThe Company manages its operations through three reportable business segments in accordance with the standards set forth in FASB ASC Topic 280, “Segment Reporting”. The three segments are: (i) banking (“Banking”), (ii) insurance (“Tompkins Insurance Agencies, Inc.”) and (iii) wealth management (“Tompkins Financial Advisors”). The Company’s insurance services and wealth management services are managed separately from the Bank.
Comprehensive Income (Loss)	Comprehensive Income (Loss) For the Company, comprehensive income (loss) represents net income plus the net change in unrealized gains or losses on available-for-sale debt securities for the period (net of taxes), and the actuarial gain or loss and amortization of unrealized amounts in the Company’s defined-benefit retirement and pension plan, supplemental employee retirement plan, and post-retirement life and healthcare benefit plan (net of taxes), and is presented in the Consolidated Statements of Comprehensive Income (Loss) and Consolidated Statements of Changes in Shareholders’ Equity. Accumulated other comprehensive income (loss) represents the net unrealized gains or losses on available-for-sale debt securities (net of tax) and unrecognized net actuarial gain or loss, unrecognized prior service costs, and unrecognized net initial obligation (net of tax) in the Company’s defined-benefit retirement and pension plan, supplemental employee retirement plan, and post-retirement life and healthcare benefit plan.
Pension and Other Employee Benefits	Pension and Other Employee Benefits The Company maintains noncontributory defined-benefit and defined contribution plans, which cover substantially all employees of the Company. In addition, the Company also maintains supplemental employee retirement plans for certain executives and a post-retirement life and healthcare plan. These plans are discussed in detail in Note 11 “Employee Benefit Plans”. The Company incurs certain employment-related expenses associated with these plans. In order to measure the expense associated with these plans, various assumptions are made including the discount rate used to value certain liabilities, expected return on plan assets, anticipated mortality rates, and expected future healthcare costs. The assumptions are based on historical experience as well as current facts and circumstances. A third-party actuarial firm is used to assist management in measuring the expense and liability associated with the plans. The Company uses a December 31 measurement date for its plans. As of the measurement date, plan assets are determined based on fair value, generally representing observable market prices. The projected benefit obligation is primarily determined based on the present value of projected benefit distributions at an assumed discount rate. The expenses associated with these plans are charged to current operating expenses. The Company recognizes an asset for a plan’s overfunded status or a liability for a plan’s underfunded status in the Company’s consolidated statements of condition, and recognizes changes in the funded status of these plans in comprehensive income, net of applicable taxes, in the year in which the change occurred.
Fair Value Measurements	Fair Value Measurements The Company accounts for the provisions of FASB ASC Topic 820, Fair Value Measurements and Disclosures (“ASC Topic 820”), for financial assets and financial liabilities. ASC Topic 820 defines fair value, establishes a framework for measuring fair value in accordance with U.S. GAAP, and expands disclosures about fair value measurements. See Note 19 “Fair Value Measurements”. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based upon internally developed models that primarily use, as inputs, observable market-based parameters. Valuation adjustments may be made to ensure that financial instruments are recorded at fair value. These adjustments may include amounts to reflect counterparty credit quality and the Company’s creditworthiness, among others.
Revenue Recognition	Revenue Recognition Tompkins adopted Accounting Standards Update (“ASU”) 2014-09, Revenue from Contracts with Customers

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of available for sale, debt securities	The following tables summarize available-for-sale securities held by the Company at December 31, 2020 and 2019: Available-for-Sale Securities December 31, 2020 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (In thousands) Obligations of U.S. Government sponsored entities $ 599,652 $ 9,820 $ 1,992 $ 607,480 Obligations of U.S. states and political subdivisions 126,642 3,144 40 129,746 Mortgage-backed securities – residential, issued by U.S. Government agencies 179,538 3,216 646 182,108 U.S. Government sponsored entities 691,562 14,593 675 705,480 U.S. corporate debt securities 2,500 0 121 2,379 Total available-for-sale securities $ 1,599,894 $ 30,773 $ 3,474 $ 1,627,193 Available-for-Sale Securities December 31, 2019 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses 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 securities $ 1,293,239 $ 10,466 $ 5,118 $ 1,298,587
Schedule of sales transactions of available-for-sale securities	The following table sets forth information with regard to sales transactions of securities available-for-sale: Year ended December 31, (In thousands) 2020 2019 2018 Proceeds from sales $ 42,333 $ 232,598 $ 70,652 Gross realized gains 179 1,123 327 Gross realized losses 0 (595) (767) Net gains (losses) on sales of available-for-sale securities $ 179 $ 528 $ (440)
Schedule of debt securities, available for sale with unrealized losses	The following table summarizes available-for-sale securities that had unrealized losses at December 31, 2020: December 31, 2020 Available-for-Sale Securities 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 $ 310,711 $ 1,992 $ 0 $ 0 $ 310,711 $ 1,992 Obligations of U.S. states and political subdivisions 8,868 40 0 0 8,868 40 Mortgage-backed securities – residential, issued by U.S. Government agencies 10,560 396 1,819 250 12,379 646 U.S. Government sponsored entities 87,643 586 5,068 89 92,711 675 U.S. corporate debt securities 0 0 2,379 121 2,379 121 Total available-for-sale securities $ 417,782 $ 3,014 $ 9,266 $ 460 $ 427,048 $ 3,474 The following table summarizes available-for-sale securities that had unrealized losses at December 31, 2019: December 31, 2019 Available-for-Sale Securities 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 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	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. December 31, 2020 (In thousands) Amortized Cost Fair Value Available-for-sale securities: Due in one year or less $ 54,484 $ 55,008 Due after one year through five years 379,044 388,132 Due after five years through ten years 228,572 229,107 Due after ten years 66,694 67,358 Total 728,794 739,605 Mortgage-backed securities 871,100 887,588 Total available-for-sale debt securities $ 1,599,894 $ 1,627,193 December 31, 2019 (In thousands) Amortized Cost Fair Value Available-for-sale 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)	12 Months Ended
	Dec. 31, 2020
Loans and Leases Receivable Disclosure [Abstract]
Schedule of loans and leases	Loans and Leases at December 31, 2020 and December 31, 2019 were as follows: (In thousands) 12/31/2020 12/31/2019 Commercial and industrial Agriculture $ 94,489 $ 105,786 Commercial and industrial other 792,987 902,275 PPP loans* 291,252 0 Subtotal commercial and industrial 1,178,728 1,008,061 Commercial real estate Construction 163,016 213,637 Agriculture 201,866 184,898 Commercial real estate other 2,204,310 2,045,030 Subtotal commercial real estate 2,569,192 2,443,565 Residential real estate Home equity 200,827 219,245 Mortgages 1,235,160 1,158,592 Subtotal residential real estate 1,435,987 1,377,837 Consumer and other Indirect 8,401 12,964 Consumer and other 61,399 61,446 Subtotal consumer and other 69,800 74,410 Leases 14,203 17,322 Total loans and leases 5,267,910 4,921,195 Less: unearned income and deferred costs and fees (7,583) (3,645) Total loans and leases, net of unearned income and deferred costs and fees $ 5,260,327 $ 4,917,550 *Paycheck Protection Program ("PPP")
Schedule of loans to related parties	Loan transactions with related parties are summarized as follows: (In thousands) December 31, 2020 December 31, 2019 Balance at beginning of year $ 48,389 $ 39,595 Loans to new directors/executive officers 5,886 0 New loans and advancements 3,022 19,393 Loan payments (8,217) (10,599) Balance at end of year $ 49,080 $ 48,389
Schedule of age analysis of past due loans	The below table is an aging analysis of past due loans, segregated by class of loans as of December 31, 2020 and 2019. 12/31/2020 (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 $ 18 $ 0 $ 18 $ 94,471 $ 94,489 Commercial and industrial other 44 7 1,516 1,567 791,420 792,987 PPP loans* 0 0 0 0 291,252 291,252 Subtotal commercial and industrial 44 25 1,516 1,585 1,177,143 1,178,728 Commercial real estate Construction 0 0 0 0 163,016 163,016 Agriculture 263 0 0 263 201,603 201,866 Commercial real estate other 0 0 7,125 7,125 2,197,185 2,204,310 Subtotal commercial real estate 263 0 7,125 7,388 2,561,804 2,569,192 Residential real estate Home equity 713 224 1,126 2,063 198,764 200,827 Mortgages 521 879 4,210 5,610 1,229,550 1,235,160 Subtotal residential real estate 1,234 1,103 5,336 7,673 1,428,314 1,435,987 Consumer and other Indirect 175 35 91 301 8,100 8,401 Consumer and other 115 18 232 365 61,034 61,399 Subtotal consumer and other 290 53 323 666 69,134 69,800 Leases 0 0 0 0 14,203 14,203 Total loans and leases 1,831 1,181 14,300 17,312 5,250,598 5,267,910 Less: unearned income and deferred costs and fees 0 0 0 0 (7,583) (7,583) Total loans and leases, net of unearned income and deferred costs and fees $1,831 $1,181 $14,300 $17,312 $5,243,015 $5,260,327 *Paycheck Protection Program ("PPP") December 31, 2019 (In thousands) 30-89 Days 90 Days or More Current Loans Total Loans 90 days and accruing 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 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 presents nonaccrual loans and leases, segregated by class of loans, as of December 31, 2020. (In thousands) Nonaccrual Loans and Leases with no Allowance for Credit Losses Nonaccrual Loans and Leases Loans and Leases Past Due Over 89 Days and Accruing Loans and Leases Commercial and industrial Commercial and industrial other $ 803 $ 1,775 $ 0 Subtotal commercial and industrial 803 1,775 0 Commercial real estate Agriculture 0 118 0 Commercial real estate other 23,080 23,509 0 Subtotal commercial real estate 23,080 23,627 0 Residential real estate Home equity 767 2,965 0 Mortgages 1,365 10,180 0 Subtotal residential real estate 2,132 13,145 0 Consumer and other Indirect 3 169 0 Consumer and other 0 260 0 Subtotal consumer and other 3 429 0 Total loans and leases $ 26,018 $ 38,976 $ 0

Allowance for Credit Losses (Ta

Allowance for Credit Losses (Tables)	12 Months Ended
	Dec. 31, 2020
Receivables [Abstract]
Schedule of originated and acquired credit losses by portfolio segment	Changes in the allowance for credit losses for the years ended December 31, 2020, 2019 and 2018 are summarized as follows: (In thousands) 2020 2019 2018 Total allowance at beginning of year $ 39,892 $ 43,410 $ 39,771 Impact of adopting ASU 2016-13 (2,534) 0 0 Provisions for credit loss expense 16,151 1,366 3,942 Recoveries on loans and leases 631 906 2,137 Charge-offs on loans and leases (2,471) (5,790) (2,440) Total allowance at end of year $ 51,669 $ 39,892 $ 43,410 The following table details activity in the allowance for credit losses on loans for the years ended December 31, 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. As a result of the adoption of ASC 326, the Company recorded a net cumulative-effect adjustment reducing the allowance for credit losses by $2.5 million. The allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. December 31, 2020 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance, prior to adoption of ASU 2016-13 $ 10,541 $ 21,608 $ 6,381 $ 1,362 $ 0 $ 39,892 Impact of adopting ASU 2016-13 (2,008) (5,917) 4,459 850 82 (2,534) Charge-offs (2) (1,903) (84) (482) 0 (2,471) Recoveries 131 58 194 248 0 631 Provision (credit) for credit loss expense 577 16,700 (693) (416) (17) 16,151 Ending Balance $ 9,239 $ 30,546 $ 10,257 $ 1,562 $ 65 $ 51,669 December 31, 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 (696) (4,015) (256) (823) 0 (5,790) Recoveries 103 174 334 295 0 906 Provision (credit) for credit loss expense (138) 1,966 (1,042) 580 0 1,366 Ending Balance $ 10,541 $ 21,608 $ 6,381 $ 1,362 $ 0 $ 39,892 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 December 31, 2020 Commercial and Industrial $ 103 $ 582 $ 110 $ 795 $ 122 Commercial Real Estate 24,277 1,418 0 25,695 186 Residential Real Estate 0 0 0 0 0 Total $ 24,380 $ 2,000 $ 110 $ 26,490 $ 308
Schedule of the allowance for credit losses based on impairment methodology	At December 31, 2019, the allocation of the allowance for loan and lease losses summarized on the basis of the Company’s impairment methodology was as follows: December 31, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Allowance for originated loans and leases 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 Allowance for acquired loans 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 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: December 31, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Leases Total Originated loans and leases 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 December 31, 2019 (In thousands) Commercial Commercial Residential Consumer Finance Total Acquired loans 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 average recorded investment and interest income recognized on impaired originated loans for the years ended December 31, 2019 and 2018 was as follows: Year Ended December 31, 2019 2018 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Originated loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 1,830 $ 0 $ 1,979 $ 0 Commercial real estate Commercial real estate other 7,552 0 5,165 0 Residential real estate Home equity 3,943 0 3,983 0 Subtotal $ 13,325 $ 0 $ 11,127 $ 0 Originated loans and leases with related allowance Commercial & industrial Commercial and industrial other $ 132 $ 0 $ 1,374 $ 0 Commercial real estate Commercial real estate other 1,391 0 1,357 0 Subtotal $ 1,523 $ 0 $ 2,731 $ 0 Total $ 14,848 $ 0 $ 13,858 $ 0 The average recorded investment and interest income recognized on impaired acquired loans for the years ended December 31, 2019 and 2018 was as follows: Year Ended December 31, 2019 2018 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Acquired loans and leases with no related allowance Commercial & industrial Commercial and industrial other $ 21 $ 0 $ 50 $ 0 Commercial real estate Commercial real estate other 822 0 999 0 Residential real estate Home equity 2,503 0 2,945 0 Subtotal $ 3,346 $ 0 $ 3,994 $ 0 Acquired loans and leases with related allowance Subtotal $ 0 $ 0 $ 0 $ 0 Total $ 3,346 $ 0 $ 3,994 $ 0
Schedule of troubled debt restructurings	The following tables present loans by class modified in 2020 and 2019 as troubled debt restructurings. Post-modification balances reflect paydowns and charge-offs at time of modification. Troubled Debt Restructuring December 31, 2020 Year Ended Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 1 1 $ 24 $ 24 0 $ 0 Residential real estate Mortgages 2 274 274 1 37 Home equity 1 1 43 43 1 87 Consumer and other Consumer and other 1 4 4 0 0 Total 5 $ 345 $ 345 2 $ 124 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the 12 months ended December 31, 2020, that had been restructured in the prior twelve months. December 31, 2019 Year Ended Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Commercial & industrial Commercial and industrial other 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 2 181 181 1 93 Total 5 $ 2,362 $ 2,362 1 $ 93 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the 12 months ended December 31, 2019, that had been restructured in the prior twelve months.
Schedule of credit quality indicators on loans 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 December 31, 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 $ 91,597 $ 72,639 $ 56,191 $ 60,714 $ 33,402 $ 301,027 $ 149,969 $ 16,301 $ 781,840 Special Mention 1,064 367 344 912 2,045 228 1,331 0 6,291 Substandard 412 305 933 485 292 783 1,646 0 4,856 Total Commercial & Industrial - Other $ 93,073 $ 73,311 $ 57,468 $ 62,111 $ 35,739 $ 302,038 $ 152,946 $ 16,301 $ 792,987 Commercial and Industrial - PPP: Pass $ 291,252 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 291,252 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 $ 291,252 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 291,252 Commercial and Industrial - Agriculture: Pass $ 11,536 $ 8,005 $ 11,162 $ 6,531 $ 3,539 $ 2,599 $ 41,936 $ 1,340 $ 86,648 Special Mention 0 0 28 729 0 0 2,080 0 2,837 Substandard 99 83 0 202 0 2,308 2,312 0 5,004 Total Commercial and Industrial - Agriculture $ 11,635 $ 8,088 $ 11,190 $ 7,462 $ 3,539 $ 4,907 $ 46,328 $ 1,340 $ 94,489 Commercial Real Estate Pass $ 278,747 $ 246,331 $ 232,651 $ 237,487 $ 290,106 $ 664,027 $ 33,117 $ 64,903 $ 2,047,369 Special Mention 35 13,016 5,612 4,654 34,310 46,074 203 0 103,904 Substandard 0 4,933 18,395 6,172 5,625 17,610 302 0 53,037 Total Commercial Real Estate $ 278,782 $ 264,280 $ 256,658 $ 248,313 $ 330,041 $ 727,711 $ 33,622 $ 64,903 $ 2,204,310 Commercial Real Estate - Agriculture: Pass $ 22,440 $ 35,081 $ 44,519 $ 22,356 $ 17,081 $ 44,559 $ 919 $ 5,602 $ 192,557 Special Mention 1,960 0 575 1,366 1,053 6 49 0 5,009 Substandard 0 0 0 1,777 713 1,527 283 0 4,300 Total Commercial Real Estate - Agriculture $ 24,400 $ 35,081 $ 45,094 $ 25,499 $ 18,847 $ 46,092 $ 1,251 $ 5,602 $ 201,866 Commercial Real Estate - Construction Pass $ 14,465 $ 20,705 $ 7,999 $ 2,478 $ 1,879 $ 6,682 $ 85,513 $ 21,051 $ 160,772 Special Mention 0 0 0 0 0 467 1,453 0 1,920 Substandard 0 0 0 0 0 324 0 0 324 Total Commercial Real Estate - Construction $ 14,465 $ 20,705 $ 7,999 $ 2,478 $ 1,879 $ 7,473 $ 86,966 $ 21,051 $ 163,016 The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 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 $ 1,440 $ 2,764 $ 1,052 $ 2,120 $ 722 $ 1,106 $ 188,614 $ 44 $ 197,862 Nonperforming 0 18 0 0 194 506 2,247 0 2,965 Total Residential - Home Equity $ 1,440 $ 2,782 $ 1,052 $ 2,120 $ 916 $ 1,612 $ 190,861 $ 44 $ 200,827 Residential - Mortgages Performing $ 305,476 $ 193,543 $ 123,205 $ 155,699 $ 178,149 $ 255,556 $ 11,735 $ 1,617 $ 1,224,980 Nonperforming 0 258 455 706 1,404 7,305 52 0 10,180 Total Residential - Mortgages $ 305,476 $ 193,801 $ 123,660 $ 156,405 $ 179,553 $ 262,861 $ 11,787 $ 1,617 $ 1,235,160 Consumer - Direct Performing $ 14,840 $ 11,127 $ 8,011 $ 6,632 $ 2,854 $ 10,840 $ 6,835 $ 0 $ 61,139 Nonperforming 5 74 167 12 0 2 0 $ 0 260 Total Consumer - Direct $ 14,845 $ 11,201 $ 8,178 $ 6,644 $ 2,854 $ 10,842 $ 6,835 $ 0 $ 61,399 Consumer - Indirect Performing $ 1,424 $ 1,878 $ 3,327 $ 1,128 $ 382 $ 93 $ 0 $ 0 $ 8,232 Nonperforming 0 67 44 7 36 15 0 0 169 Total Consumer Indirect $ 1,424 $ 1,945 $ 3,371 $ 1,135 $ 418 $ 108 $ 0 $ 0 $ 8,401 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

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2020
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill	(In thousands) Banking Insurance Wealth Management Total Balance at January 1, 2019 $ 64,369 $ 19,703 $ 8,211 $ 92,283 Acquisitions 0 164 0 164 Balance at December 31, 2019 64,369 19,867 8,211 92,447 Acquisitions 0 0 0 0 Balance at December 31, 2020 $ 64,369 $ 19,867 $ 8,211 $ 92,447
Schedule of amortizing intangible assets	The following table provides information regarding the Company's amortizing intangible assets: December 31, 2020 Gross Carrying Amount Accumulated Amortization Net Carrying Amount (In thousands) Amortized intangible assets: Core deposit intangible $ 18,774 $ 17,367 $ 1,407 Customer relationships 9,048 6,884 2,164 Other intangibles 6,585 5,251 1,334 Total intangible assets $ 34,407 $ 29,502 $ 4,905 December 31, 2019 Gross Carrying Amount Accumulated Amortization Net Carrying Amount (In thousands) Amortized intangible assets: Core deposit intangible $ 18,774 $ 16,404 $ 2,370 Customer relationships 9,048 6,405 2,643 Other intangibles 6,197 4,987 1,210 Total intangible assets $ 34,019 $ 27,796 $ 6,223
Schedule of estimated amortization expense	The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2020 is as follows: Estimated amortization expense: 1 (In thousands) For the year ended December 31, 2021 $ 1,342 For the year ended December 31, 2022 897 For the year ended December 31, 2023 334 For the year ended December 31, 2024 294 For the year ended December 31, 2025 264 1 Excludes the amortization of mortgage servicing rights. Amortization of mortgage servicing rights was $221,000 in 2020, $117,000 in 2019 and $69,000 in 2018.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2020
Property, Plant and Equipment [Abstract]
Schedule of premise and equipment	Premises and equipment at December 31 were as follows: (In thousands) 2020 2019 Land $ 9,195 $ 9,195 Premises and equipment 104,027 103,631 Furniture, fixtures, and equipment 80,520 77,518 Accumulated depreciation and amortization (105,033) (95,989) Total $ 88,709 $ 94,355
Schedule of depreciation and amortization	Depreciation and amortization expenses in 2020, 2019 and 2018 are included in operating expenses as follows: (In thousands) 2020 2019 2018 Premises $ 2,608 $ 2,809 $ 2,989 Furniture, fixtures, and equipment 5,225 4,906 4,615 Total $ 7,833 $ 7,715 $ 7,604

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2020
Deposits [Abstract]
Schedule of maturities of time deposits	Scheduled maturities of time deposits at December 31, 2020, were as follows: (In thousands) Less than $250,000 $250,000 and over Total Maturity Three months or less $ 114,179 $ 63,341 $ 177,520 Over three through six months 80,502 68,584 149,086 Over six through twelve months 172,081 66,835 238,916 Total due in 2021 $ 366,762 $ 198,760 $ 565,522 2022 116,444 24,568 141,012 2023 18,694 997 19,691 2024 4,622 0 4,622 2025 9,883 5,333 15,216 Thereafter 171 0 171 Total $ 516,576 $ 229,658 $ 746,234

Securities Sold Under Agreeme_2

Securities Sold Under Agreements to Repurchase and Federal Funds Purchased (Tables)	12 Months Ended
	Dec. 31, 2020
Carrying Value of Federal Funds Purchased, Securities Sold under Agreements to Repurchase, and Deposits Received for Securities Loaned [Abstract]
Schedule of securities sold under agreements to repurchase	Information regarding securities sold under agreements to repurchase and Federal funds purchased is detailed in the following tables for the years ended December 31: Securities Sold Under Agreements to Repurchase 2020 2019 2018 (dollar amounts in thousands) Total outstanding at December 31 $ 65,845 $ 60,346 $ 81,842 Maximum month-end balance 72,883 71,875 81,842 Average balance during the year 55,973 59,742 63,472 Weighted average rate at December 31 0.11 % 0.22 % 0.22 % Average interest rate paid during the year 0.17 % 0.24 % 0.24 % Federal Funds Purchased Average balance during the year 0 82 0 Weighted average rate at December 31 N/A N/A N/A Average interest rate paid during the year 0.00 % 2.86 % 0.00 %

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2020
Debt Disclosure [Abstract]
Schedule of borrowings	The following table summarized the Company’s borrowings as of December 31: (In thousands) 2020 2019 Overnight FHLB advances $ 0 $ 239,100 Term FHLB advances 265,000 415,000 Other 0 4,000 Total other borrowings $ 265,000 $ 658,100

Trust Preferred Debentures (Tab

Trust Preferred Debentures (Tables)	12 Months Ended
	Dec. 31, 2020
Trust Preferred Debentures
Schedule of information related to trusts	The following table provides information relating to the Trusts as of December 31, 2020: Description Issuance Date Par Amount Interest Rate Maturity Date Leesport Capital Trust II September 2002 $10.0 million 3-month LIBOR plus 3.45% September 2032 Madison Statutory Trust I June 2003 $5.0 million 3-month LIBOR plus 3.10% June 2033

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2020
Retirement Benefits [Abstract]
Schedule of changes in the projected benefit obligations	The following table sets forth the changes in the projected benefit obligation for the DB Pension Plan and SERPs and the accumulated post-retirement benefit obligation for the Life and Healthcare Plan; and the respective plan assets, and the plans’ funded status and amounts recognized in the Company’s Consolidated Statements of Condition at December 31, 2020 and 2019 (the measurement dates of the plans). DB Pension Plan Life and Healthcare Plan SERP Plan (In thousands) 2020 2019 2020 2019 2020 2019 Change in benefit obligation: Benefit obligation at beginning of year $ 90,346 $ 79,689 $ 9,022 $ 7,857 $ 32,153 $ 23,539 Service cost 0 0 173 159 214 157 Interest cost 2,371 2,936 245 289 914 909 Plan participants’ contributions 0 0 90 87 0 0 Amendments 0 0 0 (203) 0 2,022 Actuarial loss (gain) 10,046 10,996 1,340 1,218 4,070 6,128 Benefits paid (4,742) (3,275) (362) (385) (641) (602) Benefit obligation at end of year $ 98,021 $ 90,346 $ 10,508 $ 9,022 $ 36,710 $ 32,153 Change in plan assets: Fair value of plan assets at beginning of year $ 82,352 $ 72,474 $ 0 $ 0 $ 0 $ 0 Actual return on plan assets 11,562 13,153 0 0 0 0 Plan participants’ contributions 0 0 90 87 0 0 Employer contributions 0 0 272 298 641 602 Benefits paid (4,742) (3,275) (362) (385) (641) (602) Fair value of plan assets at end of year $ 89,172 $ 82,352 $ 0 $ 0 $ 0 $ 0 Unfunded status $ (8,849) $ (7,994) $ (10,508) $ (9,022) $ (36,710) $ (32,153)
Schedule of net periodic benefit cost and other comprehensive income	Net periodic benefit cost and other comprehensive income (loss) includes the following components: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan Components of net periodic benefit cost 2020 2019 2018 2020 2019 2018 2020 2019 2018 Service cost $ 0 $ 0 $ 0 $ 173 $ 159 $ 212 $ 214 $ 157 $ 160 Interest cost 2,371 2,936 2,508 245 289 270 914 909 833 Expected return on plan assets (5,416) (4,933) (5,648) 0 0 0 0 0 0 Amortization of prior service (credit) cost (10) (10) (10) (61) (62) (62) 285 104 87 Recognized net actuarial loss 1,411 1,334 1,118 155 0 62 800 343 539 Recognized net actuarial gain due to curtailments 0 0 0 0 (399) 0 0 0 0 Net periodic benefit (credit) cost $ (1,644) $ (673) $ (2,032) $ 512 $ (13) $ 482 $ 2,213 $ 1,513 $ 1,619 Service cost is included in salaries and wages in the Consolidated Statements of Income. The other components of net periodic benefit costs are included in other operating expense in the Consolidated Statements of Income. Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss): (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2020 2019 2018 2020 2019 2018 2020 2019 2018 Net actuarial loss (gain) $ 3,899 $ 2,776 $ 7,761 $ 1,340 $ 1,218 $ (1,337) $ 4,070 $ 6,128 $ (2,987) Recognized actuarial loss (1,411) (1,334) (1,118) (155) 0 (62) (800) (343) (539) Prior service credit 0 0 0 0 (203) 0 0 2,022 0 Recognized prior service cost (credit) 10 10 10 61 62 62 (285) (104) (87) Prior service cost (credit) recognized due to curtailment 0 0 0 0 399 0 0 0 0 Recognized in other comprehensive income (loss) $ 2,498 $ 1,452 $ 6,653 $ 1,246 $ 1,476 $ (1,337) $ 2,985 $ 7,703 $ (3,613) Total recognized in net periodic benefit cost and other comprehensive income (loss) $ 854 $ 779 $ 4,621 $ 1,758 $ 1,463 $ (855) $ 5,198 $ 9,216 $ (1,994)
Schedule of pre-tax amounts recognized as a component of accumulated other comprehensive income	Pre-tax amounts recognized as a component of accumulated other comprehensive income (loss) as of year-end that have not been recognized as a component of the Company’s combined net periodic benefit cost of the Company’s DB Pension Plan, Life and Healthcare Plan and SERPs are presented in the following table. (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2020 2019 2018 2020 2019 2018 2020 2019 2018 Net actuarial loss (gain) $ 50,533 $ 48,045 $ 46,603 $ 2,771 $ 1,586 $ 368 $ 14,614 $ 11,345 $ 5,560 Prior service cost (credit) 1 (9) (20) (287) (348) (606) 2,148 2,433 514 Total $ 50,534 $ 48,036 $ 46,583 $ 2,484 $ 1,238 $ (238) $ 16,762 $ 13,778 $ 6,074
Schedule of weighted-average assumptions	Weighted-average assumptions used in accounting for the plans were as follows: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2020 2019 2018 2020 2019 2018 2020 2019 2018 Discount Rates Benefit Cost for Plan Year 3.04 % 4.08 % 3.43 % 3.10 % 4.13 % 3.51 % 3.14 % 4.16 % 3.55 % Benefit Obligation at End of Plan Year 2.24 % 3.04 % 4.08 % 2.33 % 3.10 % 4.13 % 2.37 % 3.14 % 4.16 % Expected long-term return on plan assets 6.75 % 7.00 % 7.25 % N/A N/A N/A N/A N/A N/A Rate of compensation increase Benefit Cost for Plan Year N/A N/A N/A 4.00 % 4.00 % 5.00 % 5.00 % 5.00 % 5.00 % Benefit Obligation at End of Plan Year N/A N/A N/A 4.00 % 4.00 % 4.00 % 5.00 % 5.00 % 5.00 %
Schedule of expected benefits to be paid in each of next five years	The benefits as of December 31, 2020, expected to be paid in each of the next five fiscal years, and in the aggregate for the five fiscal years thereafter were as follows: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2021 $ 4,290 $ 472 $ 719 2022 4,206 452 773 2023 4,393 446 880 2024 4,444 468 863 2025 4,625 463 860 2026-2030 23,920 2,341 6,130 Total $ 45,878 $ 4,642 $ 10,225
Schedule of weighted average asset allocation of plans	The Company’s DB Pension Plan’s weighted-average asset allocations at December 31, 2020 and 2019, respectively, by asset category are as follows: 2020 2019 Equity securities 63 % 62 % Debt securities 36 % 36 % Other 1 % 2 % Total Allocation 100 % 100 %
Schedule of fair value measurement of pension plan	The major categories of assets in the Company’s DB Pension Plan as of year-end are presented in the following table. Assets are segregated by the level of valuation inputs within the fair value hierarchy established by ASC Topic 820 utilized to measure fair value (see Note 19-Fair Value Measurements). Fair Value Measurements December 31, 2020 (In thousands) Fair Value 2020 (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 2,417 $ 2,417 $ 0 $ 0 Common stocks 26,422 26,422 0 0 Mutual funds 60,333 60,333 0 0 Total Fair Value of Plan Assets $ 89,172 $ 89,172 $ 0 $ 0 Fair Value Measurements December 31, 2019 (In thousands) Fair Value 2019 (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 1,367 $ 1,367 $ 0 $ 0 Common stocks 26,574 26,574 0 0 Mutual funds 54,411 54,411 0 0 Total Fair Value of Plan Assets $ 82,352 $ 82,352 $ 0 $ 0

Stock Plans and Stock Based C_2

Stock Plans and Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2020
Share-based Payment Arrangement [Abstract]
Schedule of stock options and stock appreciation rights	The following table presents the activity related to stock options and SARs under all plans for the year ended December 31, 2020. Number of Shares/Rights Weighted Average Exercise Price Weighted Average Remaining Contractual Term Aggregate Intrinsic Value Outstanding at January 1, 2020 157,622 $ 49.72 Granted 0 0.00 Exercised (13,235) 39.98 Forfeited 0 0.00 Outstanding at December 31, 2020 144,387 $ 50.61 3.48 $ 2,991,656 Exercisable at December 31, 2020 118,697 $ 49.17 3.23 $ 2,622,344
Schedule of intrinsic value of options, SARs, and restricted stock	Net cash proceeds, tax benefits and intrinsic value related to total stock options, SARs, and restricted stock exercised is as follows: (in thousands) 2020 2019 2018 Proceeds from stock option exercises $ (253) $ (992) $ (540) Tax benefits related to stock option exercises 156 944 680 Intrinsic value of stock option exercises 570 2,460 1,447
Schedule of total stock options exercised	Net cash proceeds, tax benefits and intrinsic value related to total stock options, SARs, and restricted stock exercised is as follows: (in thousands) 2020 2019 2018 Proceeds from stock option exercises $ (253) $ (992) $ (540) Tax benefits related to stock option exercises 156 944 680 Intrinsic value of stock option exercises 570 2,460 1,447
Schedule of options outstanding	December 31, 2020 Options and SARs Outstanding Options and SARs Exercisable Range of Exercise Prices Number Outstanding Weighted Average Remaining Contractual Life Weighted Average Exercise Price Number Exercisable Weighted Average Exercise Price $35.71-37.50 22,872 0.63 $ 37.00 22,872 $ 37.00 $37.51-41.00 24,711 2.28 $ 40.60 24,711 $ 40.60 $41.01-50.00 46,886 3.80 $ 49.22 38,066 $ 49.22 $50.01-76.90 49,696 5.07 $ 63.01 32,881 $ 63.82 $76.91-86.18 222 5.89 $ 86.18 167 $ 86.18 144,387 3.48 $ 50.61 118,697 $ 49.17
Schedule of restricted stock awards	The following table presents activity related to restricted stock awards and restricted stock units for the year ended December 31, 2020. Number of Shares Weighted Average Grant Date Fair Value Unvested at January 1, 2020 247,967 $ 73.66 Granted 86,411 63.44 Vested (73,272) 64.06 Forfeited (6,117) 75.98 Unvested at December 31, 2020 254,989 $ 70.55

Other Noninterest Income and _2

Other Noninterest Income and Expense (Tables)	12 Months Ended
	Dec. 31, 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%, and other significant items, of the aggregate of total other noninterest income and total other noninterest expenses for any of the years presented below are stated separately. Year ended December 31, (In thousands) 2020 2019 2018 NONINTEREST INCOME Other service charges $ 2,835 $ 3,166 $ 3,263 Increase in cash surrender value of corporate owned life insurance 2,188 2,164 1,818 Net gain on sale of loans 2,054 227 458 Gain on sale of fixed assets 3 98 2,954 Other miscellaneous income 1,737 2,761 4,637 Total other noninterest income $ 8,817 $ 8,416 $ 13,130 NONINTEREST EXPENSES Marketing expense $ 4,750 $ 4,856 $ 5,495 Professional fees 6,054 8,942 8,564 Technology expense 11,791 10,666 10,099 Cardholder expense 3,252 3,238 3,277 FDIC insurance 2,398 773 2,618 Other miscellaneous expenses 17,546 17,774 20,868 Total other noninterest expenses $ 45,791 $ 46,249 $ 50,921

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2020
Revenue from Contract with Customer [Abstract]
Schedule of disaggregation of noninterest income	The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of ASC 606, for the years ended December 31, 2020, 2019, and 2018.. Year Ended (In thousands) 12/31/2020 12/31/2019 12/31/2018 Noninterest Income In-scope of Topic 606: Insurance Revenues $ 31,505 $ 31,091 $ 29,369 Investment Service Income 17,520 16,434 17,288 Service Charges on Deposit Accounts 6,312 8,321 8,435 Card Services Income 9,263 10,526 9,693 Other 1,146 1,183 1,176 Noninterest Income (in-scope of ASC 606) 65,746 67,555 65,961 Noninterest Income (out-of-scope of ASC 606) 8,114 7,878 11,488 Total Noninterest Income $ 73,860 $ 75,433 $ 77,449

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Schedule of income tax (benefit) expense attributable to income from operations	The income tax expense (benefit) attributable to income from operations is summarized as follows: (In thousands) Current Deferred Total 2020 Federal $ 22,199 $ (5,247) $ 16,952 State 4,009 (1,037) 2,972 Total $ 26,208 $ (6,284) $ 19,924 2019 Federal $ 15,161 $ 2,668 $ 17,829 State 2,782 405 3,187 Total $ 17,943 $ 3,073 $ 21,016 2018 Federal $ 16,391 $ 2,281 $ 18,672 State 3,060 73 3,133 Total $ 19,451 $ 2,354 $ 21,805
Schedule of effective income tax rate reconciliation	The primary reasons for the differences between income tax expense and the amount computed by applying the statutory federal income tax rate to earnings are as follows: 2020 2019 2018 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % State income taxes, net of federal benefit 2.4 2.5 2.4 Tax exempt income (1.8) (1.5) (1.5) Excess benefits from equity-based compensation (0.2) (0.8) (0.6) Bank-owned life insurance income (0.5) (0.5) (0.4) Federal tax credit (0.4) (0.7) (0.6) All other (0.1) 0.5 0.6 Total 20.4 % 20.5 % 20.9 %
Schedule of deferred tax assets and liabilities	Significant components of the Company’s deferred tax assets and liabilities as of December 31 were as follows: (In thousands) 2020 2019 Deferred tax assets: Allowance for credit losses $ 13,095 $ 9,913 Lease liability 7,858 8,363 Interest income on nonperforming loans 500 368 Compensation and benefits 11,580 10,972 Liabilities held at fair value 20 4 Deferred loan fees and costs 1,783 732 Other 1,097 1,110 Total $ 35,933 $ 31,462 Deferred tax liabilities: Prepaid pension 10,254 9,856 Right of use asset 7,270 7,790 Depreciation 3,735 4,688 Intangibles 1,266 1,128 Purchase accounting adjustments 5 274 Leases 2,425 2,472 Other 1,504 1,478 Total deferred tax liabilities $ 26,459 $ 27,686 Net deferred tax asset at year-end $ 9,474 $ 3,776 Net deferred tax asset at beginning of year $ 3,776 $ 6,849 Decrease (increase) in net deferred tax asset 5,698 (3,073) CECL accounting standard adoption recorded through equity $ 586 $ 0 Deferred tax expense $ (6,284) $ 3,073

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2020
Stockholders' Equity Note [Abstract]
Schedule of tax effect allocated to each component of other comprehensive income	The tax effect allocated to each component of other comprehensive income (loss) were as follows: December 31, 2020 Before-Tax Amount Tax (Expense) Benefit Net of Tax Available-for-sale securities: (In thousands) Change in net unrealized gain during the period $ 22,381 $ (5,487) $ 16,894 Reclassification adjustment for net realized gain on sale included in available-for-sale securities (430) 106 (324) Net unrealized gains 21,951 (5,381) 16,570 Employee benefit plans: Net retirement plan loss (9,309) 2,281 (7,028) Amortization of net retirement plan actuarial gain 2,366 (580) 1,786 Amortization of net retirement plan prior service (cost) credit 214 (52) 162 Employee benefit plans (6,729) 1,649 (5,080) Other comprehensive income $ 15,222 $ (3,732) $ 11,490 December 31, 2019 Before-Tax Amount Tax (Expense) Benefit Net of Tax Available-for-sale securities: (In thousands) Change in net unrealized loss during the period $ 33,431 $ (8,190) $ 25,241 Unrealized gains on HTM securities transferred to AFS securities 3,777 (925) 2,852 Reclassification adjustment for net realized loss on sale included in available-for-sale securities (616) 151 (465) Net unrealized gains 36,592 (8,964) 27,628 Employee benefit plans: Net retirement plan loss (10,122) 2,480 (7,642) Net actuarial gain due to curtailment (399) 97 (302) Net retirement plan prior service credit (1,819) 446 (1,373) Amortization of net retirement plan actuarial gain 1,677 (411) 1,266 Amortization of net retirement plan prior service (cost) credit 32 (8) 24 Employee benefit plans (10,631) 2,604 (8,027) Other comprehensive income $ 25,961 $ (6,360) $ 19,601 December 31, 2018 Before-Tax Amount Tax (Expense) Benefit Net of Tax Available-for-sale securities: (In thousands) Change in net unrealized loss during the period $ (14,550) $ 3,569 $ (10,981) Reclassification adjustment for net realized loss on sale included in available-for-sale securities 440 (108) 332 Net unrealized losses (14,110) 3,461 (10,649) Employee benefit plans: Net retirement plan loss (3,437) 843 (2,594) Amortization of net retirement plan actuarial loss 1,719 (421) 1,298 Amortization of net retirement plan prior service (cost) credit 15 (4) 11 Employee benefit plans (1,703) 418 (1,285) Other comprehensive loss $ (15,813) $ 3,879 $ (11,934)
Schedule of accumulated other comprehensive income	The following table presents the activity in our accumulated other comprehensive loss for the periods indicated: (In thousands) Available-for-Sale Employee Benefit Accumulated Other Balance at January 1, 2018 $ (13,005) $ (38,291) $ (51,296) Other comprehensive loss (10,649) (1,285) (11,934) Adoption of ASU 2016-01 65 0 65 Balance at December 31, 2018 $ (23,589) $ (39,576) $ (63,165) Balance at January 1, 2019 (23,589) (39,576) (63,165) Other comprehensive income (loss) 27,628 (8,027) 19,601 Balance at December 31, 2019 $ 4,039 $ (47,603) $ (43,564) Balance at January 1, 2020 4,039 (47,603) (43,564) Other comprehensive income (loss) 16,570 (5,080) 11,490 Balance at December 31, 2020 $ 20,609 $ (52,683) $ (32,074) December 31, 2020 Details about Accumulated other Comprehensive Income Components (in thousands) Amount Reclassified from Accumulated Other Comprehensive (Loss) 1 Affected Line Item in the Statement Where Net Income is Presented Available-for-sale securities: Unrealized gains and losses on available-for-sale securities $ 430 Net (loss) gain on securities transactions (106) Tax expense 324 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial gain (2,366) Other operating expense Net retirement plan prior service credit (214) Other operating expense (2,580) Total before tax 632 Tax benefit $ (1,948) Net of tax December 31, 2019 Details about Accumulated other Comprehensive Income Components (in thousands) Amount Reclassified from Accumulated Other Comprehensive (Loss) 1 Affected Line Item in the Statement Where Net Income is Presented Available-for-sale securities: Unrealized gains and losses on available-for-sale securities $ 616 Net (loss) gain on securities transactions (151) Tax benefit 465 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial gain (1,677) Other operating expense Net retirement plan prior service credit (32) Other operating expense (1,709) Total before tax 419 Tax benefit $ (1,290) Net of tax 1 Amounts in parentheses indicate debits in income statement. 2 The accumulated other comprehensive income (loss) components are included in the computation of net periodic benefit cost (See Note 11 - “Employee Benefit Plans”).

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Schedule of maximum potential obligations to extend credit for loan commitments	The Company’s maximum potential obligations to extend credit for loan commitments (unfunded loans, unused lines of credit, and standby letters of credit) outstanding on December 31 were as follows: (In thousands) 2020 2019 Loan commitments $ 144,593 $ 149,397 Standby letters of credit 31,441 30,460 Undisbursed portion of lines of credit 830,930 800,316 Total $ 1,006,964 $ 980,173

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2020
Earnings Per Share [Abstract]
Schedule of basic and diluted earnings per share	Calculation of basic earnings per share (Basic EPS) and diluted earnings per share (Diluted EPS) is shown below. Year ended December 31, (In thousands, except share and per share data) 2020 2019 2018 Basic Net income available to common shareholders $ 77,588 $ 81,718 $ 82,308 Less: income attributable to unvested stock-based compensation awards (857) (1,306) (1,315) Net earnings allocated to common shareholders 76,731 80,412 80,993 Weighted average shares outstanding, including unvested stock-based compensation awards 14,933,990 15,149,535 15,283,914 Less: average unvested stock-based compensation awards (230,600) (242,478) (244,685) Weighted average shares outstanding - Basic 14,703,390 14,907,057 15,039,229 Diluted Net earnings allocated to common shareholders 76,731 80,412 80,993 Weighted average shares outstanding - Basic 14,703,390 14,907,057 15,039,229 Plus: incremental shares from assumed conversion of stock-based compensation awards 38,650 66,894 93,028 Weighted average shares outstanding - Diluted 14,742,040 14,973,951 15,132,257 Basic EPS $ 5.22 $ 5.39 $ 5.39 Diluted EPS $ 5.20 $ 5.37 $ 5.35

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of assets and liabilities measured at fair value on a recurring basis	The following table summarizes financial assets and financial liabilities measured at fair value on a recurring basis as of December 31, 2020 and 2019 segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value. Recurring Fair Value Measurements December 31, 2020 (In thousands) Fair Value 12/31/2020 (Level 1) (Level 2) (Level 3) Available-for-sale securities Obligations of U.S. Government sponsored entities $ 607,480 $ 0 $ 607,480 $ 0 Obligations of U.S. states and political subdivisions 129,746 0 129,746 0 Mortgage-backed securities - residential, issued by U.S. Government agencies 182,108 0 182,108 0 U.S. Government sponsored entities 705,480 0 705,480 0 U.S. corporate debt securities 2,379 0 2,379 0 Total Available-for-sale securities $ 1,627,193 $ 0 $ 1,627,193 $ 0 Equity securities $ 929 $ 0 $ 0 $ 929 Recurring Fair Value Measurements December 31, 2019 (In thousands) Fair Value 12/31/2019 (Level 1) (Level 2) (Level 3) Available-for-sale 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 securities $ 1,298,587 $ 0 $ 1,298,587 $ 0 Equity securities $ 915 $ 0 $ 0 $ 915
Schedule of assets and liabilities measured at fair value on a non recurring basis	(In thousands) Fair value measurements at reporting date using: Gain (losses) from fair value changes As of Quoted prices in active markets for identical assets Significant other observable inputs Significant unobservable inputs Year ended Assets: 12/31/2020 (Level 1) (Level 2) (Level 3) 12/31/2020 Individually evaluated loans $ 22,171 $ 0 $ 22,171 $ 0 $ (1,855) Other real estate owned 88 0 88 0 (35) (In thousands) Fair value measurements at reporting date using: Gain (losses) from fair value changes As of Quoted prices in active markets for identical assets Significant other observable inputs Significant unobservable inputs Year ended Assets: 12/31/2019 (Level 1) (Level 2) (Level 3) 12/31/2019 Individually evaluated loans $ 14,050 $ 0 $ 14,050 $ 0 $ (4,184) Other real estate owned 315 0 315 0 (94)
Schedule of carrying amount and fair value of financial instruments	The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments at December 31, 2020 and 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. generally accepted accounting principles and does not always incorporate the exit-price concept of fair value prescribed by ASC Topic 820-10 and should be read in conjunction with the financial statements and notes included in this Report. Estimated Fair Value of Financial Instruments December 31, 2020 (In thousands) Carrying Amount Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 388,462 $ 388,462 $ 388,462 $ 0 $ 0 FHLB and FRB stock 16,382 16,382 0 16,382 0 Accrued interest receivable 32,025 32,025 0 32,025 0 Loans and leases, net 1 5,208,658 5,226,301 0 22,171 5,204,130 Financial Liabilities: Time deposits $ 746,234 $ 753,045 $ 0 $ 753,045 $ 0 Other deposits 5,691,518 5,691,518 0 5,691,518 0 Securities sold under agreements to repurchase 65,845 65,845 0 65,845 0 Other borrowings 265,000 274,238 0 274,238 0 Trust preferred debentures 13,220 18,483 0 18,483 0 Accrued interest payable 1,727 1,727 0 1,727 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. Estimated Fair Value of Financial Instruments December 31, 2019 (In thousands) Carrying Amount Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 137,982 $ 137,982 $ 137,982 $ 0 $ 0 FHLB and FRB stock 33,695 33,695 0 33,695 0 Accrued interest receivable 19,293 19,293 0 19,293 0 Loans and 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 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.

Regulations and Supervision (Ta

Regulations and Supervision (Tables)	12 Months Ended
	Dec. 31, 2020
Equity [Abstract]
Schedule of capital amounts and ratios	Actual capital amounts and ratios of the Company and its subsidiary banks are as follows: Actual Minimum Capital Required- Basel III Fully-Phased-In Required (dollar amounts in thousands) Amount/Ratio Amount/Ratio Amount/Ratio December 31, 2020 Total Capital (to risk-weighted assets) The Company (consolidated) $720,755 /14.4% $525,755/>10.5% $500,719/>10.0% Trust Company $210,756/14.7% $150,482/>10.5% $143,316/>10.0% Castile $157,514/12.6% $131,034/>10.5% $124,795/>10.0% Mahopac $133,969/13.0% $108,129/>10.5% $102,980/>10.0% VIST $175,931/13.7% $134,615/>10.5% $128,205/>10.0% Common Equity Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $654,144/13.1% $350,503/>7.0% $325,467/>6.5% Trust Company $196,522/13.7% $100,321/>7.0% $93,156/>6.5% Castile $144,448/11.6% $87,356/>7.0% $81,117/>6.5% Mahopac $122,393/11.9% $72,086/>7.0% $66,937/>6.5% VIST $163,895/12.8% $89,743/>7.0% $83,333/>6.5% Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $667,364/13.3% $425,611/>8.5% $400,575/>8.0% Trust Company $196,522/13.7% $121,819/>8.5% $114,653/>8.0% Castile $144,448/11.6% $106,076/>8.5% $99,836/>8.0% Mahopac $122,393/11.9% $87,533/>8.5% $82,384/>8.0% VIST $163,895/12.8% $108,794/>8.5% $102,564/>8.0% Tier 1 Capital (to average assets) The Company (consolidated) $667,364/8.8% $305,083/>4.0% $381,354/>5.0% Trust Company $196,522/8.2% $95,691/>4.0% $119,614/>5.0% Castile $144,448/8.1% $71,605/>4.0% $89,507/>5.0% Mahopac $122,393/8.2% $59,742/>4.0% $74,678/>5.0% VIST $163,895/8.4% $77,874/>4.0% $83,333/>5.0% December 31, 2019 Total Capital (to risk-weighted assets) The Company (consolidated) $666,106 /13.5% $517,039/>10.5% $492,418/>10.0% Trust Company $197,660/14.1% $147,405/>10.5% $140,386/>10.0% Castile $145,669/12.2% $125,493/>10.5% $119,517/>10.0% Mahopac $128,238/13.0% $103,800/>10.5% $98,857/>10.0% VIST $161,559/12.2% $139,235/>10.5% $132,605/>10.0% Common Equity Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $607,290/12.3% $344,692/>7.0% $320,072/>6.5% Trust Company $185,499/13.2% $98,270/>7.0% $91,251/>6.5% Castile $136,342/11.4% $83,662/>7.0% $77,686/>6.5% Mahopac $116,953/11.8% $69,200/>7.0% $64,257/>6.5% VIST $152,550/11.5% $92,823/>7.0% $86,193/>6.5% Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $624,325/12.7% $418,555/>8.5% $393,934/>8.0% Trust Company $185,499/13.2% $119,328/>8.5% $112,309/>8.0% Castile $136,342/11.4% $101,589/>8.5% $95,614/>8.0% Mahopac $116,953/11.8% $84,029/>8.5% $79,086/>8.0% VIST $152,550/11.5% $112,714/>8.5% $106,084/>8.0% Tier 1 Capital (to average assets) The Company (consolidated) $624,325/9.6% $259,903/>4.0% $324,879/>5.0% Trust Company $185,499/9.2% $81,001/>4.0% $101,252/>5.0% Castile $136,342/9.2% $59,239/>4.0% $74,049/>5.0% Mahopac $116,953/8.9% $52,469/>4.0% $65,586/>5.0% VIST $152,550/8.7% $70,228/>4.0% $87,785/>5.0%

Condensed Parent Company Only_2

Condensed Parent Company Only Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2020
Condensed Financial Information Disclosure [Abstract]
Schedule of condensed statements of condition	Condensed financial statements for Tompkins (the Parent Company) as of December 31, 2020, 2019 and 2018 are presented below. Condensed Statements of Condition (In thousands) 2020 2019 Assets Cash $ 16,588 $ 14,631 Investment in subsidiaries, at equity 707,721 664,775 Other 5,965 3,873 Total Assets $ 730,274 $ 683,279 Liabilities and Shareholders’ Equity Borrowings 0 4,000 Trust preferred debentures issued to non-consolidated subsidiary 13,220 17,035 Other liabilities 777 602 Tompkins Financial Corporation Shareholders’ Equity 716,277 661,642 Total Liabilities and Shareholders’ Equity $ 730,274 $ 683,279
Schedule of condensed statements of income	Condensed Statements of Income (In thousands) 2020 2019 2018 Dividends received from subsidiaries $ 60,818 $ 72,827 $ 44,518 Other income 52 240 332 Total Operating Income $ 60,870 $ 73,067 $ 44,850 Interest expense 1,241 1,450 1,468 Other expenses 9,184 8,409 7,222 Total Operating Expenses $ 10,425 $ 9,859 $ 8,690 Income Before Taxes and Equity in Undistributed Earnings of Subsidiaries 50,445 63,208 36,160 Income tax benefit 2,160 2,085 1,687 Equity in undistributed earnings of subsidiaries 24,983 16,425 44,461 Net Income $ 77,588 $ 81,718 $ 82,308
Schedule of condensed statements of cash flows	Condensed Statements of Cash Flows (In thousands) 2020 2019 2018 Operating activities Net income $ 77,588 $ 81,718 $ 82,308 Adjustments to reconcile net income to net cash provided by operating activities Equity in undistributed earnings of subsidiaries (24,983) (16,425) (44,461) Other, net (1,541) 3,209 1,014 Net Cash Provided by Operating Activities 51,064 68,502 38,861 Investing activities Other, net (100) 3,265 0 Net Cash (Used in) Provided by Investing Activities (100) 3,265 0 Financing activities Borrowings, net (4,000) 0 (5,000) Cash dividends (31,359) (30,637) (29,634) Repurchase of common shares (9,414) (29,867) (2,448) Redemption of trust preferred debentures (4,124) 0 0 Net proceeds from restricted stock awards (1,682) (1,875) (1,403) Shares issued for dividend reinvestment plan 1,825 0 0 Shares issued for employee stock ownership plan 0 0 3,073 Net proceeds from exercise of stock options (253) (992) (540) Net Cash Used in Financing Activities (49,007) (63,371) (35,952) Net increase in cash 1,957 8,396 2,909 Cash at beginning of year 14,631 6,235 3,326 Cash at End of Year $ 16,588 $ 14,631 $ 6,235

Segment and Related Informati_2

Segment and Related Information (Tables)	12 Months Ended
	Dec. 31, 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 and financial 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 Note 1 “Summary of Significant Accounting Policies” in this Report. As of and for the year ended December 31, 2020 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 254,330 $ 4 $ 0 $ (4) $ 254,330 Interest expense 28,995 0 0 (4) 28,991 Net interest income 225,335 4 0 0 225,339 Provision for credit loss expense 16,151 0 0 0 16,151 Noninterest income 26,015 31,930 18,131 (2,216) 73,860 Noninterest expense 148,742 25,941 12,915 (2,216) 185,382 Income before income tax expense 86,457 5,993 5,216 0 97,666 Income tax expense 17,033 1,625 1,266 0 19,924 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 69,424 4,368 3,950 0 77,742 Less: Net income attributable to noncontrolling interests 154 0 0 0 154 Net Income attributable to Tompkins Financial Corporation $ 69,270 $ 4,368 $ 3,950 $ 0 $ 77,588 Depreciation and amortization $ 9,912 $ 229 $ 51 $ 0 $ 10,192 Assets 7,564,342 41,812 28,616 (12,599) 7,622,171 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 2,418 2,398 89 0 4,905 Net loans and leases 5,208,658 0 0 0 5,208,658 Deposits 6,449,289 0 0 (11,537) 6,437,752 Total equity 660,334 31,455 25,900 0 717,689 As of and for the year ended December 31, 2019 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 261,378 $ 3 $ 0 $ (3) $ 261,378 Interest expense 50,753 0 0 (3) 50,750 Net interest income 210,625 3 0 0 210,628 Provision for loan and lease losses 1,366 0 0 0 1,366 Noninterest income 29,054 31,501 17,001 (2,123) 75,433 Noninterest expense 145,102 25,908 12,947 (2,123) 181,834 Income before income tax expense 93,211 5,596 4,054 0 102,861 Income tax expense 18,598 1,426 992 0 21,016 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 74,613 4,170 3,062 0 81,845 Less: Net income attributable to noncontrolling interests 127 0 0 0 127 Net Income attributable to Tompkins Financial Corporation $ 74,486 $ 4,170 $ 3,062 $ 0 $ 81,718 Depreciation and amortization $ 9,778 $ 225 $ 41 $ 0 $ 10,044 Assets 6,671,409 41,841 24,313 (11,940) 6,725,623 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 3,215 2,860 148 0 6,223 Net loans and leases 4,877,658 0 0 0 4,877,658 Deposits 5,223,893 0 0 (10,972) 5,212,921 Total equity 608,901 32,204 21,949 0 663,054 As of and for the year ended December 31, 2018 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 251,592 $ 3 $ 0 $ (3) $ 251,592 Interest expense 39,795 0 0 (3) 39,792 Net interest income 211,797 3 0 0 211,800 Provision for loan and lease losses 3,942 0 0 0 3,942 Noninterest income 31,738 29,760 17,997 (2,046) 77,449 Noninterest expense 145,070 25,427 12,616 (2,046) 181,067 Income before income tax expense 94,523 4,336 5,381 0 104,240 Income tax expense 19,486 1,092 1,227 0 21,805 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 75,037 3,244 4,154 0 82,435 Less: Net income attributable to noncontrolling interests 127 0 0 0 127 Net Income attributable to Tompkins Financial Corporation $ 74,910 $ 3,244 $ 4,154 $ 0 $ 82,308 Depreciation and amortization 9,194 230 130 0 $ 9,554 Assets 6,707,625 42,088 21,365 (12,642) 6,758,436 Goodwill 64,370 19,702 8,211 0 92,283 Other intangibles, net 4,224 3,192 212 0 7,628 Net loans and leases 4,790,529 0 0 0 4,790,529 Deposits 4,900,464 0 0 (11,505) 4,888,959 Total equity 568,988 32,996 18,887 0 620,871

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Thousands	Jan. 01, 2020USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2020USD ($)segment	Dec. 31, 2020USD ($)subsidiaryTrust	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Jan. 01, 2018USD ($)	Dec. 31, 2017USD ($)
Property, Plant and Equipment [Line Items]
Reserve requirements for banking subsidiaries		$ 0	$ 0	$ 0	$ 9,500
Equity		717,689	717,689	717,689	663,054	$ 620,871		$ 576,202
Investment in qualified affordable housing projects		180	$ 180	$ 180	485
Number of reportable business segments			3	3
Retained earnings		$ 418,413	$ 418,413	$ 418,413	370,477
Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity					1,707
Minimum | Core deposit intangible
Property, Plant and Equipment [Line Items]
Amortization period for other intangible assets (in years)		5 years
Minimum | Covenants not to compete
Property, Plant and Equipment [Line Items]
Amortization period for other intangible assets (in years)		3 years
Minimum | Customer relationships
Property, Plant and Equipment [Line Items]
Amortization period for other intangible assets (in years)		6 years
Maximum | Core deposit intangible
Property, Plant and Equipment [Line Items]
Amortization period for other intangible assets (in years)		10 years
Maximum | Covenants not to compete
Property, Plant and Equipment [Line Items]
Amortization period for other intangible assets (in years)		6 years
Maximum | Customer relationships
Property, Plant and Equipment [Line Items]
Amortization period for other intangible assets (in years)		15 years
Building | Minimum
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		10 years
Building | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		39 years
Furniture, fixtures, and equipment | Minimum
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		2 years
Furniture, fixtures, and equipment | Maximum
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		20 years
Adoption of Accounting Guidance ASU 2016-01 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity								0
Adoption of Accounting Guidance ASU 2014-09
Property, Plant and Equipment [Line Items]
Retained earnings							$ 1,800
Adoption of Accounting Guidance ASU 2014-09 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity								1,780
Adoption of Accounting Guidance ASU 2016-13 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Decrease in the allowance for credit losses on loans	$ 2,500
Increase in the allowance for credit losses on off-balance sheet credit exposures	400
Decrease in deferred tax assets, valuation allowance	400
Accumulated Other Comprehensive (Loss) Income
Property, Plant and Equipment [Line Items]
Equity		$ (32,074)	(32,074)	(32,074)	(43,564)	(63,165)		(51,296)
Accumulated Other Comprehensive (Loss) Income | Adoption of Accounting Guidance ASU 2016-01 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity							$ 65	65
Retained Earnings
Property, Plant and Equipment [Line Items]
Equity		$ 418,413	$ 418,413	$ 418,413	370,477	$ 319,396		265,007
Retained Earnings | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity					$ 1,707
Retained Earnings | Adoption of Accounting Guidance ASU 2016-01 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity								(65)
Retained Earnings | Adoption of Accounting Guidance ASU 2014-09 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity								$ 1,780
Retained Earnings | Adoption of Accounting Guidance ASU 2016-13 | Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity	$ 1,700

Securities - Available-for-Sale

Securities - Available-for-Sale Securities Held by Company (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 1,599,894	$ 1,293,239
Gross Unrealized Gains	30,773	10,466
Gross Unrealized Losses	3,474	5,118
Fair Value	1,627,193	1,298,587
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Amortized Cost		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]
Amortized Cost	599,652	367,551
Gross Unrealized Gains	9,820	5,021
Gross Unrealized Losses	1,992	84
Fair Value	607,480	372,488
Obligations of U.S. states and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	126,642	96,668
Gross Unrealized Gains	3,144	1,178
Gross Unrealized Losses	40	61
Fair Value	129,746	97,785
U.S. Government agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	179,538	164,643
Gross Unrealized Gains	3,216	1,327
Gross Unrealized Losses	646	1,519
Fair Value	182,108	164,451
U.S. Government sponsored entities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	691,562	660,037
Gross Unrealized Gains	14,593	2,940
Gross Unrealized Losses	675	3,387
Fair Value	705,480	659,590
U.S. corporate debt securities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	2,500	2,500
Gross Unrealized Gains	0	0
Gross Unrealized Losses	121	67
Fair Value	$ 2,379	$ 2,433

Securities - Narrative (Details

Securities - Narrative (Details) - USD ($)	Nov. 30, 2019	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Transfer of securities from held-to-maturity to available-for-sale		$ 0	$ 138,206,000	$ 0
Debt securities, held-to-maturity		0
Recognized gains on called available-for-sale securities		251,000	88,000	0
Recognized gains on equity securities		13,000	29,000
Recognized losses on equity securities				$ 26,000
Securities pledged or sold under agreements to repurchase		1,200,000,000	$ 1,000,000,000
Equity method investments		1,500,000
Equity method investment, other than temporary Impairment		0
Accounting Standards Update 2019-04
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Transfer of securities from held-to-maturity to available-for-sale	$ 138,200,000
Federal Home Loan Bank New York (FHLBNY)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal home loan bank, advances, branch of FHLB bank, amount of advances		11,000,000
Federal Home Loan Bank Pittsburgh (FHLBPITT)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal home loan bank, advances, branch of FHLB bank, amount of advances		5,200,000
Atlantic Central Bankers Bank (ACBB)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal home loan bank, advances, branch of FHLB bank, amount of advances		$ 95,000

Securities - Sales Transactions

Securities - Sales Transactions of Securities Available-for-Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 42,333	$ 232,598	$ 70,652
Proceeds from sales			70,652
Gross realized gains	179	1,123
Gross realized gains			327
Gross realized losses	0	(595)
Gross realized losses			(767)
Net gains (losses) on sales of available-for-sale securities	$ 179	$ 528
Net gains (losses) on sales of available-for-sale securities			$ (440)

Securities - Unrealized Losses

Securities - Unrealized Losses on Available-for-Sale and Held-to-Maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value
Less than 12 Months	$ 417,782	$ 241,757
12 Months or Longer	9,266	288,210
Total	427,048	529,967
Unrealized Losses
Less than 12 Months	3,014	1,371
12 Months or Longer	460	3,747
Total	3,474	5,118
Obligations of U.S. Government sponsored entities
Fair Value
Less than 12 Months	310,711	18,654
12 Months or Longer	0	3,479
Total	310,711	22,133
Unrealized Losses
Less than 12 Months	1,992	76
12 Months or Longer	0	8
Total	1,992	84
Obligations of U.S. states and political subdivisions
Fair Value
Less than 12 Months	8,868	10,456
12 Months or Longer	0	2,300
Total	8,868	12,756
Unrealized Losses
Less than 12 Months	40	54
12 Months or Longer	0	7
Total	40	61
U.S. Government agencies
Fair Value
Less than 12 Months	10,560	54,846
12 Months or Longer	1,819	45,999
Total	12,379	100,845
Unrealized Losses
Less than 12 Months	396	489
12 Months or Longer	250	1,030
Total	646	1,519
U.S. Government sponsored entities
Fair Value
Less than 12 Months	87,643	157,801
12 Months or Longer	5,068	233,999
Total	92,711	391,800
Unrealized Losses
Less than 12 Months	586	752
12 Months or Longer	89	2,635
Total	675	3,387
U.S. corporate debt securities
Fair Value
Less than 12 Months	0	0
12 Months or Longer	2,379	2,433
Total	2,379	2,433
Unrealized Losses
Less than 12 Months	0	0
12 Months or Longer	121	67
Total	$ 121	$ 67

Securities - Amortized Cost and

Securities - Amortized Cost and Estimated Fair Value of Available-for-Sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Amortized Cost
Amortized Cost	$ 1,599,894	$ 1,293,239
Fair Value
Total available-for-sale debt securities	1,627,193	1,298,587
Debt securities
Amortized Cost
Due in one year or less	54,484	107,975
Due after one year through five years	379,044	270,477
Due after five years through ten years	228,572	77,710
Due after ten years	66,694	12,397
Amortized Cost	728,794	468,559
Fair Value
Due in one year or less	55,008	108,089
Due after one year through five years	388,132	274,798
Due after five years through ten years	229,107	79,165
Due after ten years	67,358	12,494
Total available-for-sale debt securities	739,605	474,546
Mortgage-backed securities
Amortized Cost
Amortized Cost	871,100	824,680
Fair Value
Total available-for-sale debt securities	$ 887,588	$ 824,041

Loans and Leases - Schedule of

Loans and Leases - Schedule of Loans and Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 5,267,910	$ 4,921,195
Less: unearned income and deferred costs and fees	(7,583)	(3,645)
Total Loans	5,260,327	4,917,550
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	1,178,728	1,008,061
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	94,489	105,786
Total Loans	94,489
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	792,987	902,275
Total Loans	792,987
Commercial and industrial | PPP loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	291,252	0
Total Loans	291,252
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	2,569,192	2,443,565
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	201,866	184,898
Total Loans	201,866
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	2,204,310	2,045,030
Total Loans	2,204,310
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	163,016	213,637
Total Loans	163,016
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	1,435,987	1,377,837
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	200,827	219,245
Total Loans	200,827
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	69,800	74,410
Consumer and other | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	61,399	61,446
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	8,401	12,964
Total Loans	8,401
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 14,203	$ 17,322

Loans and Leases - Narrative (D

Loans and Leases - Narrative (Details)	12 Months Ended
	Dec. 31, 2020USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2020USD ($)subsidiaryBank	Dec. 31, 2020USD ($)bankingOffice	Dec. 31, 2019USD ($)bankingOffice	Dec. 31, 2018USD ($)
Business Acquisition [Line Items]
Initial rate below the fully indexed rate, percent (less than)	1.00%
Sale of residential mortgage loans		$ 51,700,000			$ 16,900,000	$ 27,700,000
Net gains on sale of residential mortgage loans		2,054,000			227,000	458,000
Mortgage servicing assets added during the period		388,000			127,000	207,000
Amortization of mortgage servicing assets		221,000			117,000	69,000
Residential mortgage loans serviced		140,900,000			120,300,000
Mortgage servicing rights, amortized cost	$ 981,000	981,000	$ 981,000	$ 981,000	815,000
Mortgage servicing rights (MSR) impairment		0			0
Loans held for sale	4,367,000	4,367,000	4,367,000	4,367,000	807,000
Residential mortgage loans used to secure advances from FHLB	265,000,000	265,000,000	$ 265,000,000	$ 265,000,000	$ 415,000,000
Number of subsidiary banks (banking office)			4	4	4
Interest on nonaccrual loans		1,700,000			$ 1,200,000	$ 1,000,000
Loans and leases receivable, impaired, commitments to lend to nonperforming loans	$ 0	$ 0	$ 0	$ 0
NEW YORK
Business Acquisition [Line Items]
Number of subsidiary banks (banking office) | subsidiaryBank			3
Tompkins, Cayuga, Cortland and Schuyler Counties, New York
Business Acquisition [Line Items]
Number of banking offices | bankingOffice				14
Wyoming, Livingston, Genessee, Orleans and Monroe, New York
Business Acquisition [Line Items]
Number of banking offices | bankingOffice				16
Putnam Country, Dutchess Country and Westchester, New York
Business Acquisition [Line Items]
Number of banking offices | bankingOffice				14
Berks, Montgomery, Philadelphia, Deleware and Schuylkill, Pennsylvania
Business Acquisition [Line Items]
Number of banking offices | bankingOffice				20
LTV 80 to 100 Percent
Business Acquisition [Line Items]
Loan to value - fixed rate loans	80.00%	80.00%	80.00%	80.00%
Loan to value - adjusted rate loans	85.00%	85.00%	85.00%	85.00%
Agriculture | Commercial real estate
Business Acquisition [Line Items]
Loan to value - debt service coverage ratio	75.00%	75.00%	75.00%	75.00%

Loans and Leases - Loans to Rel

Loans and Leases - Loans to Related Parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at beginning of year	$ 48,389	$ 39,595
Loans to new directors/executive officers	5,886	0
New loans and advancements	3,022	19,393
Loan payments	(8,217)	(10,599)
Balance at end of year	$ 49,080	$ 48,389

Loans and Leases - Aging Analys

Loans and Leases - Aging Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Past due	$ 17,312
Current Loans	5,250,598	$ 4,899,707
Total Loans	5,267,910	4,921,195
Loans and Leases Past Due Over 89 Days and Accruing	0	794
Nonaccrual Loans and Leases	38,976	24,281
Less: unearned income and deferred costs and fees	(7,583)	(3,645)
Financing Receivable, before Allowance for Credit Loss, Past Due	17,312
Financing Receivable, before Allowance for Credit Loss, Not Past Due	5,243,015	4,896,062
Total loans and leases, net of unearned income and deferred costs and fees	5,260,327	4,917,550
30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	1,831
Financing Receivable, before Allowance for Credit Loss, Past Due	1,831
30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		3,724
Financing Receivable, before Allowance for Credit Loss, Past Due		3,724
60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	1,181
Financing Receivable, before Allowance for Credit Loss, Past Due	1,181
90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	14,300	17,764
Financing Receivable, before Allowance for Credit Loss, Past Due	14,300	17,764
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Past due	1,585
Current Loans	1,177,143	1,005,502
Total Loans	1,178,728	1,008,061
Loans and Leases Past Due Over 89 Days and Accruing	0	2
Nonaccrual Loans and Leases	1,775	2,335
Commercial and industrial | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	44
Commercial and industrial | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		413
Commercial and industrial | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	25
Commercial and industrial | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	1,516	2,146
Commercial and industrial | Agriculture
Financing Receivable, Past Due [Line Items]
Past due	18
Current Loans	94,471	105,721
Total Loans	94,489	105,786
Loans and Leases Past Due Over 89 Days and Accruing		0
Nonaccrual Loans and Leases		0
Total loans and leases, net of unearned income and deferred costs and fees	94,489
Commercial and industrial | Agriculture | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial and industrial | Agriculture | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		0
Commercial and industrial | Agriculture | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	18
Commercial and industrial | Agriculture | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	0	65
Commercial and industrial | Other
Financing Receivable, Past Due [Line Items]
Past due	1,567
Current Loans	791,420	899,781
Total Loans	792,987	902,275
Loans and Leases Past Due Over 89 Days and Accruing	0	2
Nonaccrual Loans and Leases	1,775	2,335
Total loans and leases, net of unearned income and deferred costs and fees	792,987
Commercial and industrial | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	44
Commercial and industrial | Other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		413
Commercial and industrial | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	7
Commercial and industrial | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	1,516	2,081
Commercial and industrial | PPP loans
Financing Receivable, Past Due [Line Items]
Past due	0
Current Loans	291,252
Total Loans	291,252	0
Total loans and leases, net of unearned income and deferred costs and fees	291,252
Commercial and industrial | PPP loans | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial and industrial | PPP loans | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial and industrial | PPP loans | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate
Financing Receivable, Past Due [Line Items]
Past due	7,388
Current Loans	2,561,804	2,431,645
Total Loans	2,569,192	2,443,565
Loans and Leases Past Due Over 89 Days and Accruing	0	542
Nonaccrual Loans and Leases	23,627	10,789
Commercial real estate | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	263
Commercial real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		1,140
Commercial real estate | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	7,125	10,780
Commercial real estate | Agriculture
Financing Receivable, Past Due [Line Items]
Past due	263
Current Loans	201,603	184,898
Total Loans	201,866	184,898
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Nonaccrual Loans and Leases	118	0
Total loans and leases, net of unearned income and deferred costs and fees	201,866
Commercial real estate | Agriculture | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	263
Commercial real estate | Agriculture | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		0
Commercial real estate | Agriculture | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate | Agriculture | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	0	0
Commercial real estate | Other
Financing Receivable, Past Due [Line Items]
Past due	7,125
Current Loans	2,197,185	2,033,110
Total Loans	2,204,310	2,045,030
Loans and Leases Past Due Over 89 Days and Accruing	0	542
Nonaccrual Loans and Leases	23,509	10,789
Total loans and leases, net of unearned income and deferred costs and fees	2,204,310
Commercial real estate | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate | Other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		1,140
Commercial real estate | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	7,125	10,780
Commercial real estate | Construction
Financing Receivable, Past Due [Line Items]
Past due	0
Current Loans	163,016	213,637
Total Loans	163,016	213,637
Loans and Leases Past Due Over 89 Days and Accruing		0
Nonaccrual Loans and Leases		0
Total loans and leases, net of unearned income and deferred costs and fees	163,016
Commercial real estate | Construction | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate | Construction | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		0
Commercial real estate | Construction | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Commercial real estate | Construction | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	0	0
Residential real estate
Financing Receivable, Past Due [Line Items]
Past due	7,673
Current Loans	1,428,314	1,371,433
Total Loans	1,435,987	1,377,837
Loans and Leases Past Due Over 89 Days and Accruing	0	250
Nonaccrual Loans and Leases	13,145	10,882
Residential real estate | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	1,234
Residential real estate | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		1,692
Residential real estate | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	1,103
Residential real estate | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	5,336	4,712
Residential real estate | Home equity
Financing Receivable, Past Due [Line Items]
Past due	2,063
Current Loans	198,764	218,170
Total Loans	200,827	219,245
Loans and Leases Past Due Over 89 Days and Accruing	0	55
Nonaccrual Loans and Leases	2,965	2,796
Total loans and leases, net of unearned income and deferred costs and fees	200,827
Residential real estate | Home equity | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	713
Residential real estate | Home equity | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		348
Residential real estate | Home equity | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	224
Residential real estate | Home equity | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	1,126	727
Residential real estate | Residential Mortgages
Financing Receivable, Past Due [Line Items]
Past due	5,610
Current Loans	1,229,550	1,153,263
Total Loans	1,235,160	1,158,592
Loans and Leases Past Due Over 89 Days and Accruing	0	195
Nonaccrual Loans and Leases	10,180	8,086
Total loans and leases, net of unearned income and deferred costs and fees	1,235,160
Residential real estate | Residential Mortgages | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	521
Residential real estate | Residential Mortgages | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		1,344
Residential real estate | Residential Mortgages | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	879
Residential real estate | Residential Mortgages | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	4,210	3,985
Consumer and other
Financing Receivable, Past Due [Line Items]
Past due	666
Current Loans	69,134	73,805
Total Loans	69,800	74,410
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Nonaccrual Loans and Leases	429	275
Consumer and other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	290
Consumer and other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		479
Consumer and other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	53
Consumer and other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	323	126
Consumer and other | Other
Financing Receivable, Past Due [Line Items]
Past due	365
Current Loans	61,034	61,213
Total Loans	61,399	61,446
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Nonaccrual Loans and Leases	260	158
Consumer and other | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	115
Consumer and other | Other | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		167
Consumer and other | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	18
Consumer and other | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	232	66
Consumer and other | Indirect
Financing Receivable, Past Due [Line Items]
Past due	301
Current Loans	8,100	12,592
Total Loans	8,401	12,964
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Nonaccrual Loans and Leases	169	117
Total loans and leases, net of unearned income and deferred costs and fees	8,401
Consumer and other | Indirect | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	175
Consumer and other | Indirect | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		312
Consumer and other | Indirect | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	35
Consumer and other | Indirect | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	91	60
Leases
Financing Receivable, Past Due [Line Items]
Past due	0
Current Loans	14,203	17,322
Total Loans	14,203	17,322
Loans and Leases Past Due Over 89 Days and Accruing		0
Nonaccrual Loans and Leases		0
Leases | 30-59 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Leases | 30-89 Days
Financing Receivable, Past Due [Line Items]
Past due		0
Leases | 60-89 Days
Financing Receivable, Past Due [Line Items]
Past due	0
Leases | 90 Days or More
Financing Receivable, Past Due [Line Items]
Past due	$ 0	$ 0

Loans and Leases - Nonaccrual L

Loans and Leases - Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	$ 26,018
Nonaccrual Loans and Leases	38,976	$ 24,281
Loans and Leases Past Due Over 89 Days and Accruing	0	794
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	803
Nonaccrual Loans and Leases	1,775	2,335
Loans and Leases Past Due Over 89 Days and Accruing	0	2
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	803
Nonaccrual Loans and Leases	1,775	2,335
Loans and Leases Past Due Over 89 Days and Accruing	0	2
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases		0
Loans and Leases Past Due Over 89 Days and Accruing		0
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	23,080
Nonaccrual Loans and Leases	23,627	10,789
Loans and Leases Past Due Over 89 Days and Accruing	0	542
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	23,080
Nonaccrual Loans and Leases	23,509	10,789
Loans and Leases Past Due Over 89 Days and Accruing	0	542
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	0
Nonaccrual Loans and Leases	118	0
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	2,132
Nonaccrual Loans and Leases	13,145	10,882
Loans and Leases Past Due Over 89 Days and Accruing	0	250
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	767
Nonaccrual Loans and Leases	2,965	2,796
Loans and Leases Past Due Over 89 Days and Accruing	0	55
Residential real estate | Residential Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	1,365
Nonaccrual Loans and Leases	10,180	8,086
Loans and Leases Past Due Over 89 Days and Accruing	0	195
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	3
Nonaccrual Loans and Leases	429	275
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Consumer and other | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	0
Nonaccrual Loans and Leases	260	158
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no Allowance for Credit Losses	3
Nonaccrual Loans and Leases	169	117
Loans and Leases Past Due Over 89 Days and Accruing	$ 0	$ 0

Allowance for Credit Losses - S

Allowance for Credit Losses - Schedule of Detail in Allowance for Credit Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 39,892	$ 43,410	$ 39,771
Provision (credit) for credit loss expense	16,151	1,366	3,942
Recoveries	631	906	2,137
Charge-offs	(2,471)	(5,790)	(2,440)
Ending Balance	51,669	39,892	43,410
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	10,541	11,272
Provision (credit) for credit loss expense	577	(138)
Recoveries	131	103
Charge-offs	(2)	(696)
Ending Balance	9,239	10,541	11,272
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	21,608	23,483
Provision (credit) for credit loss expense	16,700	1,966
Recoveries	58	174
Charge-offs	(1,903)	(4,015)
Ending Balance	30,546	21,608	23,483
Residential real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	6,381	7,345
Provision (credit) for credit loss expense	(693)	(1,042)
Recoveries	194	334
Charge-offs	(84)	(256)
Ending Balance	10,257	6,381	7,345
Consumer and other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,362	1,310
Provision (credit) for credit loss expense	(416)	580
Recoveries	248	295
Charge-offs	(482)	(823)
Ending Balance	1,562	1,362	1,310
Finance leases
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	0	0
Provision (credit) for credit loss expense	(17)	0
Recoveries	0	0
Charge-offs	0	0
Ending Balance	65	0	0
Cumulative Effect, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	(2,534)	0	0
Ending Balance	2,500	(2,534)	$ 0
Cumulative Effect, Adjustment | Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	(2,008)
Ending Balance		(2,008)
Cumulative Effect, Adjustment | Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	(5,917)
Ending Balance		(5,917)
Cumulative Effect, Adjustment | Residential real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	4,459
Ending Balance		4,459
Cumulative Effect, Adjustment | Consumer and other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	850
Ending Balance		850
Cumulative Effect, Adjustment | Finance leases
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 82
Ending Balance		$ 82

Allowance for Credit Losses - C

Allowance for Credit Losses - Collateral Dependent Loans (Details) $ in Thousands	Dec. 31, 2020USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 26,490
ACL Allocation	308
Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	24,380
Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	2,000
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	110
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	795
ACL Allocation	122
Commercial and Industrial | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	103
Commercial and Industrial | Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	582
Commercial and Industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	110
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	25,695
ACL Allocation	186
Commercial Real Estate | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	24,277
Commercial Real Estate | Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	1,418
Commercial Real Estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Residential Real Estate | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
ACL Allocation	0
Residential Real Estate | Real Estate | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Residential Real Estate | Business Assets | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	0
Residential Real Estate | Other | Residential Real Estate
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	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 308
Ending balance	51,669	$ 39,892	$ 43,410	$ 39,771
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	122
Ending balance	9,239	10,541	11,272
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	186
Ending balance	30,546	21,608	23,483
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ending balance	10,257	6,381	7,345
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ending balance	1,562	1,362	1,310
Finance leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Ending balance	$ 65	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	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 26,490
Total Loans	5,260,327	$ 4,917,550
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	795
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment	$ 25,695
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Individually evaluated for impairment		19,385
Collectively evaluated for impairment		4,681,661
Total Loans		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		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		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		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		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		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		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		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		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		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		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		$ 0

Allowance for Credit Losses - N

Allowance for Credit Losses - Narratives (Details) - USD ($)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2020
Receivables [Abstract]
Interest income on impaired loans and leases	$ 0	$ 0
Average recorded investment in impaired loans	18,200,000	$ 17,900,000
Total TDRs	$ 2,400,000		$ 345,000

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
Impaired Financing Receivable, 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
Impaired Financing Receivable, 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
Impaired Financing Receivable, 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	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Financing Receivable, Impaired [Line Items]
Average Recorded Investment	$ 18,200	$ 17,900
Originated
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	13,325	11,127
Interest Income Recognized With No Related Allowance	0	0
Average Recorded Investment With Related Allowance	1,523	2,731
Interest Income Recognized With Related Allowance	0	0
Average Recorded Investment	14,848	13,858
Interest Income Recognized	0	0
Originated | Commercial and industrial | Other
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	1,830	1,979
Interest Income Recognized With No Related Allowance	0	0
Average Recorded Investment With Related Allowance	132	1,374
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	7,552	5,165
Interest Income Recognized With No Related Allowance	0	0
Average Recorded Investment With Related Allowance	1,391	1,357
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	3,943	3,983
Interest Income Recognized With No Related Allowance	0	0
Acquired
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With Related Allowance	0	0
Interest Income Recognized With Related Allowance	0	0
Average Recorded Investment	3,346	3,994
Interest Income Recognized	0	0
Acquired | Commercial and industrial | Other
Financing Receivable, Impaired [Line Items]
Average Recorded Investment With No Related Allowance	21	50
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	822	999
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	2,503	2,945
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	12 Months Ended
	Dec. 31, 2020USD ($)loansubsidiary	Dec. 31, 2019USD ($)loan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	5	5
Pre- Modification Outstanding Recorded Investment	$ 345	$ 2,362
Post-Modification Outstanding Recorded Investment	$ 345	$ 2,362
Number of loans Defaulted TDRs | loan	2	1
Post- Modification Outstanding Recorded Investment TDRs	$ 124	$ 93
Commercial and Industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans	1	2
Pre- Modification Outstanding Recorded Investment	$ 24	$ 604
Post-Modification Outstanding Recorded Investment	$ 24	$ 604
Number of loans Defaulted TDRs	0	0
Post- Modification Outstanding Recorded Investment TDRs	$ 0	$ 0
Mortgages
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | subsidiary	2
Pre- Modification Outstanding Recorded Investment	$ 274
Post-Modification Outstanding Recorded Investment	$ 274
Number of loans Defaulted TDRs | subsidiary	1
Post- Modification Outstanding Recorded Investment TDRs	$ 37
Commercial real estate | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan		1
Pre- Modification Outstanding Recorded Investment		$ 1,577
Post-Modification Outstanding Recorded Investment		$ 1,577
Number of loans Defaulted TDRs | loan		0
Post- Modification Outstanding Recorded Investment TDRs		$ 0
Residential real estate | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	1	2
Pre- Modification Outstanding Recorded Investment	$ 43	$ 181
Post-Modification Outstanding Recorded Investment	$ 43	$ 181
Number of loans Defaulted TDRs | loan	1	1
Post- Modification Outstanding Recorded Investment TDRs	$ 87	$ 93
Consumer and other | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	1
Pre- Modification Outstanding Recorded Investment	$ 4
Post-Modification Outstanding Recorded Investment	$ 4
Number of loans Defaulted TDRs | loan	0
Post- Modification Outstanding Recorded Investment TDRs	$ 0

Allowance for Credit Losses -_4

Allowance for Credit Losses - Credit Quality Indicators by Commercial and Industrial Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 5,260,327	$ 4,917,550
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	93,073
2019	73,311
2018	57,468
2017	62,111
2016	35,739
Prior	302,038
Revolving Loans Amortized Cost Basis	152,946
Revolving Loans Converted to Term	16,301
Total Loans	792,987
Commercial and industrial | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	91,597
2019	72,639
2018	56,191
2017	60,714
2016	33,402
Prior	301,027
Revolving Loans Amortized Cost Basis	149,969
Revolving Loans Converted to Term	16,301
Total Loans	781,840
Commercial and industrial | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,064
2019	367
2018	344
2017	912
2016	2,045
Prior	228
Revolving Loans Amortized Cost Basis	1,331
Revolving Loans Converted to Term	0
Total Loans	6,291
Commercial and industrial | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	412
2019	305
2018	933
2017	485
2016	292
Prior	783
Revolving Loans Amortized Cost Basis	1,646
Revolving Loans Converted to Term	0
Total Loans	4,856
Commercial and industrial | PPP loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	291,252
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	291,252
Commercial and industrial | PPP loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	291,252
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	291,252
Commercial and industrial | PPP loans | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	0
Commercial and industrial | PPP loans | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	0
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	0
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	11,635
2019	8,088
2018	11,190
2017	7,462
2016	3,539
Prior	4,907
Revolving Loans Amortized Cost Basis	46,328
Revolving Loans Converted to Term	1,340
Total Loans	94,489
Commercial and industrial | Agriculture | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	11,536
2019	8,005
2018	11,162
2017	6,531
2016	3,539
Prior	2,599
Revolving Loans Amortized Cost Basis	41,936
Revolving Loans Converted to Term	1,340
Total Loans	86,648
Commercial and industrial | Agriculture | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	28
2017	729
2016	0
Prior	0
Revolving Loans Amortized Cost Basis	2,080
Revolving Loans Converted to Term	0
Total Loans	2,837
Commercial and industrial | Agriculture | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	99
2019	83
2018	0
2017	202
2016	0
Prior	2,308
Revolving Loans Amortized Cost Basis	2,312
Revolving Loans Converted to Term	0
Total Loans	5,004
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	278,782
2019	264,280
2018	256,658
2017	248,313
2016	330,041
Prior	727,711
Revolving Loans Amortized Cost Basis	33,622
Revolving Loans Converted to Term	64,903
Total Loans	2,204,310
Commercial real estate | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	278,747
2019	246,331
2018	232,651
2017	237,487
2016	290,106
Prior	664,027
Revolving Loans Amortized Cost Basis	33,117
Revolving Loans Converted to Term	64,903
Total Loans	2,047,369
Commercial real estate | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	35
2019	13,016
2018	5,612
2017	4,654
2016	34,310
Prior	46,074
Revolving Loans Amortized Cost Basis	203
Revolving Loans Converted to Term	0
Total Loans	103,904
Commercial real estate | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	4,933
2018	18,395
2017	6,172
2016	5,625
Prior	17,610
Revolving Loans Amortized Cost Basis	302
Revolving Loans Converted to Term	0
Total Loans	53,037
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	24,400
2019	35,081
2018	45,094
2017	25,499
2016	18,847
Prior	46,092
Revolving Loans Amortized Cost Basis	1,251
Revolving Loans Converted to Term	5,602
Total Loans	201,866
Commercial real estate | Agriculture | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	22,440
2019	35,081
2018	44,519
2017	22,356
2016	17,081
Prior	44,559
Revolving Loans Amortized Cost Basis	919
Revolving Loans Converted to Term	5,602
Total Loans	192,557
Commercial real estate | Agriculture | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,960
2019	0
2018	575
2017	1,366
2016	1,053
Prior	6
Revolving Loans Amortized Cost Basis	49
Revolving Loans Converted to Term	0
Total Loans	5,009
Commercial real estate | Agriculture | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	1,777
2016	713
Prior	1,527
Revolving Loans Amortized Cost Basis	283
Revolving Loans Converted to Term	0
Total Loans	4,300
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	14,465
2019	20,705
2018	7,999
2017	2,478
2016	1,879
Prior	7,473
Revolving Loans Amortized Cost Basis	86,966
Revolving Loans Converted to Term	21,051
Total Loans	163,016
Commercial real estate | Construction | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	14,465
2019	20,705
2018	7,999
2017	2,478
2016	1,879
Prior	6,682
Revolving Loans Amortized Cost Basis	85,513
Revolving Loans Converted to Term	21,051
Total Loans	160,772
Commercial real estate | Construction | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	467
Revolving Loans Amortized Cost Basis	1,453
Revolving Loans Converted to Term	0
Total Loans	1,920
Commercial real estate | Construction | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	0
2018	0
2017	0
2016	0
Prior	324
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	324
Residential Real Estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,440
2019	2,782
2018	1,052
2017	2,120
2016	916
Prior	1,612
Revolving Loans Amortized Cost Basis	190,861
Revolving Loans Converted to Term	44
Total Loans	200,827
Residential Real Estate | Home equity | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,440
2019	2,764
2018	1,052
2017	2,120
2016	722
Prior	1,106
Revolving Loans Amortized Cost Basis	188,614
Revolving Loans Converted to Term	44
Total Loans	197,862
Residential Real Estate | Home equity | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	18
2018	0
2017	0
2016	194
Prior	506
Revolving Loans Amortized Cost Basis	2,247
Revolving Loans Converted to Term	0
Total Loans	2,965
Residential Real Estate | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	305,476
2019	193,801
2018	123,660
2017	156,405
2016	179,553
Prior	262,861
Revolving Loans Amortized Cost Basis	11,787
Revolving Loans Converted to Term	1,617
Total Loans	1,235,160
Residential Real Estate | Residential Real Estate | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	305,476
2019	193,543
2018	123,205
2017	155,699
2016	178,149
Prior	255,556
Revolving Loans Amortized Cost Basis	11,735
Revolving Loans Converted to Term	1,617
Total Loans	1,224,980
Residential Real Estate | Residential Real Estate | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	258
2018	455
2017	706
2016	1,404
Prior	7,305
Revolving Loans Amortized Cost Basis	52
Revolving Loans Converted to Term	0
Total Loans	10,180
Consumer and other | Direct
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	14,845
2019	11,201
2018	8,178
2017	6,644
2016	2,854
Prior	10,842
Revolving Loans Amortized Cost Basis	6,835
Revolving Loans Converted to Term	0
Total Loans	61,399
Consumer and other | Direct | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	14,840
2019	11,127
2018	8,011
2017	6,632
2016	2,854
Prior	10,840
Revolving Loans Amortized Cost Basis	6,835
Revolving Loans Converted to Term	0
Total Loans	61,139
Consumer and other | Direct | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	5
2019	74
2018	167
2017	12
2016	0
Prior	2
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	260
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,424
2019	1,945
2018	3,371
2017	1,135
2016	418
Prior	108
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	8,401
Consumer and other | Indirect | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	1,424
2019	1,878
2018	3,327
2017	1,128
2016	382
Prior	93
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	8,232
Consumer and other | Indirect | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
2020	0
2019	67
2018	44
2017	7
2016	36
Prior	15
Revolving Loans Amortized Cost Basis	0
Revolving Loans Converted to Term	0
Total Loans	$ 169
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		4,701,046
Originated | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		3,265,633
Originated | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		3,177,741
Originated | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		29,800
Originated | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		58,092
Originated | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		968,985
Originated | Commercial and industrial | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		863,199
Originated | Commercial and industrial | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		851,517
Originated | Commercial and industrial | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		8,306
Originated | Commercial and industrial | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		3,376
Originated | Commercial and industrial | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		105,786
Originated | Commercial and industrial | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		89,892
Originated | Commercial and industrial | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		1,698
Originated | Commercial and industrial | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		14,196
Originated | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		2,296,648
Originated | Commercial real estate | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		1,899,645
Originated | Commercial real estate | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		1,857,142
Originated | Commercial real estate | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		16,623
Originated | Commercial real estate | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		25,880
Originated | Commercial real estate | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		184,701
Originated | Commercial real estate | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		166,888
Originated | Commercial real estate | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		3,173
Originated | Commercial real estate | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		14,640
Originated | Commercial real estate | Construction | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		212,302
Originated | Commercial real estate | Construction | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		212,302
Originated | Commercial real estate | Construction | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Originated | Commercial real estate | Construction | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Originated | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		1,344,466
Originated | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		73,625
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		220,149
Acquired | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		185,993
Acquired | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		183,586
Acquired | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		2,407
Acquired | Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		39,076
Acquired | Commercial and industrial | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		39,076
Acquired | Commercial and industrial | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		38,879
Acquired | Commercial and industrial | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial and industrial | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		197
Acquired | Commercial and industrial | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial and industrial | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial and industrial | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial and industrial | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		146,917
Acquired | Commercial real estate | Other | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		145,385
Acquired | Commercial real estate | Other | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		143,175
Acquired | Commercial real estate | Other | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial real estate | Other | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		2,210
Acquired | Commercial real estate | Agriculture | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		197
Acquired | Commercial real estate | Agriculture | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		197
Acquired | Commercial real estate | Agriculture | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial real estate | Agriculture | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial real estate | Construction | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		1,335
Acquired | Commercial real estate | Construction | Pass | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		1,335
Acquired | Commercial real estate | Construction | Special Mention | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Commercial real estate | Construction | Substandard | Commercial Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		0
Acquired | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		33,371
Acquired | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans		$ 785

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	Dec. 31, 2020	Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 5,260,327	$ 4,917,550
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	200,827
Residential real estate | Residential Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,235,160
Residential real estate | Performing | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	197,862
Residential real estate | Performing | Residential Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,224,980
Residential real estate | Nonperforming | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,965
Residential real estate | Nonperforming | Residential Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	10,180
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	8,401
Consumer and other | Performing | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	8,232
Consumer and other | Nonperforming | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 169
Originated
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		4,701,046
Originated | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,418,091
Originated | Performing | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,408,557
Originated | Nonperforming | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		9,534
Originated | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,344,466
Originated | Residential real estate | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		203,894
Originated | Residential real estate | Residential Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,140,572
Originated | Residential real estate | Performing | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		201,970
Originated | Residential real estate | Performing | Residential Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,133,237
Originated | Residential real estate | Nonperforming | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,924
Originated | Residential real estate | Nonperforming | Residential Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		7,335
Originated | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		73,625
Originated | Consumer and other | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		12,964
Originated | Consumer and other | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		60,661
Originated | Consumer and other | Performing | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		12,847
Originated | Consumer and other | Performing | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		60,503
Originated | Consumer and other | Nonperforming | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		117
Originated | Consumer and other | Nonperforming | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		158
Acquired
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		220,149
Acquired | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		34,156
Acquired | Performing | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		32,533
Acquired | Nonperforming | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		1,623
Acquired | Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		33,371
Acquired | Residential real estate | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		15,351
Acquired | Residential real estate | Residential Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		18,020
Acquired | Residential real estate | Performing | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		14,479
Acquired | Residential real estate | Performing | Residential Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		17,269
Acquired | Residential real estate | Nonperforming | Home equity | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		872
Acquired | Residential real estate | Nonperforming | Residential Mortgages | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		751
Acquired | Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		785
Acquired | Consumer and other | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		0
Acquired | Consumer and other | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		785
Acquired | Consumer and other | Performing | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		0
Acquired | Consumer and other | Performing | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		785
Acquired | Consumer and other | Nonperforming | Indirect | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		0
Acquired | Consumer and other | Nonperforming | Other | Residential And Consumer Segment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total		$ 0

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Schedule of Goodwill (Details) - USD ($)	3 Months Ended	12 Months Ended
	Jun. 30, 2019	Dec. 31, 2020	Dec. 31, 2019
Goodwill [Roll Forward]
Balance at the beginning of the period		$ 92,447,000	$ 92,283,000
Acquisitions		0	164,000
Balance at the end of the period		92,447,000	92,447,000
Impairment of goodwill and intangible assets		0
Banking
Goodwill [Roll Forward]
Balance at the beginning of the period		64,369,000	64,369,000
Acquisitions		0	0
Balance at the end of the period		64,369,000	64,369,000
Insurance
Goodwill [Roll Forward]
Balance at the beginning of the period		19,867,000	19,703,000
Acquisitions		0	164,000
Balance at the end of the period		19,867,000	19,867,000
Wealth Management
Goodwill [Roll Forward]
Balance at the beginning of the period		8,211,000	8,211,000
Acquisitions		0	0
Balance at the end of the period		$ 8,211,000	$ 8,211,000
The Cali Agency, Inc.
Goodwill [Roll Forward]
Balance at the end of the period	$ 164,000
Customer related intangible | The Cali Agency, Inc.
Goodwill [Roll Forward]
Intangibles recorded as a result of acquisition	$ 171,000
Amortization period	15 years
Covenant-not-to-compete | The Cali Agency, Inc.
Goodwill [Roll Forward]
Intangibles recorded as a result of acquisition	$ 87,000
Amortization period	5 years

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Schedule of Amortizing Intangible Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 34,407	$ 34,019
Accumulated Amortization	29,502	27,796
Net Carrying Amount	4,905	6,223
Amortization of intangible assets	1,484	1,673	$ 1,771
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	18,774	18,774
Accumulated Amortization	17,367	16,404
Net Carrying Amount	1,407	2,370
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	9,048	9,048
Accumulated Amortization	6,884	6,405
Net Carrying Amount	2,164	2,643
Other intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	6,585	6,197
Accumulated Amortization	5,251	4,987
Net Carrying Amount	$ 1,334	$ 1,210

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Estimated Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Estimated amortization expense:
For the year ended December 31, 2021	$ 1,342
For the year ended December 31, 2022	897
For the year ended December 31, 2023	334
For the year ended December 31, 2024	294
For the year ended December 31, 2025	264
Amortization of mortgage servicing assets	$ 221	$ 117	$ 69

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Accumulated depreciation and amortization	$ (105,033)	$ (95,989)
Total	88,709	94,355
Land
Property, Plant and Equipment [Line Items]
Premise and equipment, gross	9,195	9,195
Premises and equipment
Property, Plant and Equipment [Line Items]
Premise and equipment, gross	104,027	103,631
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Premise and equipment, gross	$ 80,520	$ 77,518

Premises and Equipment - Deprec

Premises and Equipment - Depreciation and Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 7,833	$ 7,715	$ 7,604
Premises
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	2,608	2,809	2,989
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 5,225	$ 4,906	$ 4,615

Premises and Equipment - Narrat

Premises and Equipment - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Property, Plant and Equipment [Line Items]
Gross rental expense	$ 4.9	$ 4.7
Gross rental expense, before adoption of 842			$ 4.7
Minimum
Property, Plant and Equipment [Line Items]
Operating lease renewal term	5 years
Maximum
Property, Plant and Equipment [Line Items]
Operating lease renewal term	20 years

Deposits - Narrative (Details)

Deposits - Narrative (Details) - USD ($) $ in Millions	Dec. 31, 2020	Dec. 31, 2019
Deposits [Abstract]
Time deposits, greater than $250,000	$ 229.7	$ 181.4

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Maturity
Three months or less	$ 177,520
Over three through six months	149,086
Over six through twelve months	238,916
Total due in 2021	565,522
2022	141,012
2023	19,691
2024	4,622
2025	15,216
Thereafter	171
Total	746,234	$ 675,014
Less than $250,000
Maturity
Three months or less	114,179
Over three through six months	80,502
Over six through twelve months	172,081
Total due in 2021	366,762
2022	116,444
2023	18,694
2024	4,622
2025	9,883
Thereafter	171
Total	516,576
$250,000 and over
Maturity
Three months or less	63,341
Over three through six months	68,584
Over six through twelve months	66,835
Total due in 2021	198,760
2022	24,568
2023	997
2024	0
2025	5,333
Thereafter	0
Total	$ 229,658

Securities Sold Under Agreeme_3

Securities Sold Under Agreements to Repurchase and Federal Funds Purchased (Details) - USD ($)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Retail Repurchase Agreements
Repurchase Agreement Counterparty [Line Items]
Outstanding agreements to repurchase	$ 65,800,000
Wholesale Repurchase Agreements
Repurchase Agreement Counterparty [Line Items]
Outstanding agreements to repurchase	0
Securities Sold Under Agreements to Repurchase
Repurchase Agreement Counterparty [Line Items]
Outstanding agreements to repurchase	65,845,000	$ 60,346,000	$ 81,842,000
Maximum month-end balance	72,883,000	71,875,000	81,842,000
Average balance during the year	$ 55,973,000	$ 59,742,000	$ 63,472,000
Weighted average rate at December 31	0.11%	0.22%	0.22%
Average interest rate paid during the year	0.17%	0.24%	0.24%
Federal Funds Purchased
Repurchase Agreement Counterparty [Line Items]
Average balance during the year	$ 0	$ 82,000	$ 0
Average interest rate paid during the year	0.00%	2.86%	0.00%

Other Borrowings - Schedule of

Other Borrowings - Schedule of Company's Borrowings (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Debt Disclosure [Abstract]
Overnight FHLB advances	$ 0	$ 239,100,000
Term FHLB advances	265,000,000	415,000,000
Other	0	4,000,000
Total other borrowings	$ 265,000,000	$ 658,100,000

Other Borrowings - Narrative (D

Other Borrowings - Narrative (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 25,000,000
Outstanding advances	0	$ 0
Unused borrowing capacity	2,100,000,000	1,300,000,000
Unencumbered residential and commercial real estate loans and investment securities pledged	1,600,000,000
Term advances	$ 265,000,000	$ 415,000,000
Weighted average interest rate	2.09%	2.12%
Overnight advances	$ 0	$ 239,100,000
Term advances mature within one year	30,000,000
Term advances maturing after one year	235,000,000
Maturities of advances due in 2022	85,000,000
Maturities of advances due in 2023	80,000,000
Maturities of advances due in 2024	70,000,000
Callable FHLB borrowings	0
Outstanding on line of credit with bank	0	4,000,000
Subsidiaries
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 89,000,000	$ 89,000,000

Trust Preferred Debentures (Det

Trust Preferred Debentures (Details) XUA in Millions	Sep. 26, 2002USD ($)	Jun. 30, 2003USD ($)	Dec. 31, 2020USD ($)	Dec. 31, 2020USD ($)subsidiaryTrust	Dec. 31, 2020XUA
Debt Instrument [Line Items]
Number of unconsolidated subsidiary trusts | subsidiaryTrust				2
Leesport Capital Trust II
Debt Instrument [Line Items]
Par Amount	$ 10,000,000		$ 10,000,000	$ 10,000,000
Leesport Capital Trust II | LIBOR
Debt Instrument [Line Items]
Floating interest rate	3.45%
Madison Statutory Trust I
Debt Instrument [Line Items]
Par Amount		$ 5,000,000	$ 5,000,000	$ 5,000,000
Madison Statutory Trust I | LIBOR
Debt Instrument [Line Items]
Floating interest rate		3.10%
Sleepy Hollow Capital Trust I
Debt Instrument [Line Items]
Debt redemption, par amount | XUA					XUA 4
Leesport Capital Trust II | Leesport Capital Trust II | Unconsolidated subsidiary
Debt Instrument [Line Items]
Ownership percentage by parent			100.00%	100.00%	100.00%
Madison Statutory Trust I | Madison Statutory Trust I | Unconsolidated subsidiary
Debt Instrument [Line Items]
Ownership percentage by parent			100.00%	100.00%	100.00%
Sleepy Hollow Capital Trust I
Debt Instrument [Line Items]
Debt redemption, percentage of principal amount redeemed			100.00%

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details)	12 Months Ended
	Dec. 31, 2020USD ($)pensionPlanshares	Dec. 31, 2019USD ($)shares	Dec. 31, 2018USD ($)
Defined Contribution Plan Disclosure [Line Items]
Number of non-contributory defined-contribution retirement plans | pensionPlan	2
Number of shares issued | shares	14,964,389	15,014,499
Fair value of shares issued	$ 1,496,000	$ 1,501,000
Expenses related to defined-contribution plans	4,400,000	4,000,000	$ 3,900,000
Actuarial loss (gain)	$ 15,500,000	$ 18,300,000
Expected long-term rate of return	6.75%	7.00%	7.25%
Compensation expense related to the profit-sharing	$ 4,500,000	$ 4,400,000	$ 4,900,000
Maximum match (as a percent)	4.00%
Expense associated with matching provisions	$ 2,900,000	2,900,000	$ 2,600,000
Life insurance assets	$ 84,736,000	$ 82,961,000
DB Pension Plan
Defined Contribution Plan Disclosure [Line Items]
Number of shares issued | shares	0	42,192
Fair value of shares issued		$ 3,800,000
Accumulated benefit obligation	$ 98,000,000	90,300,000
Unfunded status	8,849,000	7,994,000
Actuarial loss (gain)	$ 10,046,000	10,996,000
DC Retirement Plan
Defined Contribution Plan Disclosure [Line Items]
Requisite service period	1 year
Annual contribution limit (as a percent)	4.00%
Accumulated benefit obligation	$ 10,500,000	9,000,000
Unfunded status	10,508,000	9,022,000
Actuarial loss (gain)	1,340,000	1,218,000
SERP Plan
Defined Contribution Plan Disclosure [Line Items]
Accumulated benefit obligation	27,400,000	23,200,000
Unfunded status	36,710,000	32,153,000
Actuarial loss (gain)	4,070,000	6,128,000
Split dollar life insurance benefits
Defined Contribution Plan Disclosure [Line Items]
Estimated liability	1,700,000	1,600,000
Compensation expense related to the split dollar life insurance	$ 55,122	$ 49,801

Employee Benefit Plans - Change

Employee Benefit Plans - Changes in Projected Benefit Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Change in benefit obligation:
Actuarial loss (gain)	$ 15,500	$ 18,300
DB Pension Plan
Change in benefit obligation:
Benefit obligation at beginning of year	90,346	79,689
Service cost	0	0	$ 0
Interest cost	2,371	2,936	2,508
Plan participants’ contributions	0	0
Amendments	0	0
Actuarial loss (gain)	10,046	10,996
Benefits paid	(4,742)	(3,275)
Benefit obligation at end of year	98,021	90,346	79,689
Change in plan assets:
Fair value of plan assets at beginning of year	82,352	72,474
Actual return on plan assets	11,562	13,153
Plan participants’ contributions	0	0
Employer contributions	0	0
Benefits paid	(4,742)	(3,275)
Fair value of plan assets at end of year	89,172	82,352	72,474
Unfunded status	(8,849)	(7,994)
Life and Healthcare Plan
Change in benefit obligation:
Benefit obligation at beginning of year	9,022	7,857
Service cost	173	159	212
Interest cost	245	289	270
Plan participants’ contributions	90	87
Amendments	0	(203)
Actuarial loss (gain)	1,340	1,218
Benefits paid	(362)	(385)
Benefit obligation at end of year	10,508	9,022	7,857
Change in plan assets:
Fair value of plan assets at beginning of year	0	0
Actual return on plan assets	0	0
Plan participants’ contributions	90	87
Employer contributions	272	298
Benefits paid	(362)	(385)
Fair value of plan assets at end of year	0	0	0
Unfunded status	(10,508)	(9,022)
SERP Plan
Change in benefit obligation:
Benefit obligation at beginning of year	32,153	23,539
Service cost	214	157	160
Interest cost	914	909	833
Plan participants’ contributions	0	0
Amendments	0	2,022
Actuarial loss (gain)	4,070	6,128
Benefits paid	(641)	(602)
Benefit obligation at end of year	36,710	32,153	23,539
Change in plan assets:
Fair value of plan assets at beginning of year	0	0
Actual return on plan assets	0	0
Plan participants’ contributions	0	0
Employer contributions	641	602
Benefits paid	(641)	(602)
Fair value of plan assets at end of year	0	0	$ 0
Unfunded status	$ (36,710)	$ (32,153)

Employee Benefit Plans - Net Pe

Employee Benefit Plans - Net Periodic Benefit Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Components of net periodic benefit cost
Recognized net actuarial gain due to curtailments	$ 0	$ 302	$ 0
DB Pension Plan
Components of net periodic benefit cost
Service cost	0	0	0
Interest cost	2,371	2,936	2,508
Expected return on plan assets	(5,416)	(4,933)	(5,648)
Amortization of prior service (credit) cost	(10)	(10)	(10)
Recognized net actuarial loss	1,411	1,334	1,118
Recognized net actuarial gain due to curtailments	0	0	0
Net periodic benefit (credit) cost	(1,644)	(673)	(2,032)
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss)
Net actuarial loss (gain)	3,899	2,776	7,761
Recognized actuarial loss	(1,411)	(1,334)	(1,118)
Prior service credit	0	0	0
Recognized prior service cost (credit)	10	10	10
Prior service cost (credit) recognized due to curtailment	0	0	0
Recognized in other comprehensive income (loss)	2,498	1,452	6,653
Total recognized in net periodic benefit cost and other comprehensive income (loss)	854	779	4,621
Life and Healthcare Plan
Components of net periodic benefit cost
Service cost	173	159	212
Interest cost	245	289	270
Expected return on plan assets	0	0	0
Amortization of prior service (credit) cost	(61)	(62)	(62)
Recognized net actuarial loss	155	0	62
Recognized net actuarial gain due to curtailments	0	(399)	0
Net periodic benefit (credit) cost	512	(13)	482
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss)
Net actuarial loss (gain)	1,340	1,218	(1,337)
Recognized actuarial loss	(155)	0	(62)
Prior service credit	0	(203)	0
Recognized prior service cost (credit)	61	62	62
Prior service cost (credit) recognized due to curtailment	0	399	0
Recognized in other comprehensive income (loss)	1,246	1,476	(1,337)
Total recognized in net periodic benefit cost and other comprehensive income (loss)	1,758	1,463	(855)
SERP Plan
Components of net periodic benefit cost
Service cost	214	157	160
Interest cost	914	909	833
Expected return on plan assets	0	0	0
Amortization of prior service (credit) cost	285	104	87
Recognized net actuarial loss	800	343	539
Recognized net actuarial gain due to curtailments	0	0	0
Net periodic benefit (credit) cost	2,213	1,513	1,619
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss)
Net actuarial loss (gain)	4,070	6,128	(2,987)
Recognized actuarial loss	(800)	(343)	(539)
Prior service credit	0	2,022	0
Recognized prior service cost (credit)	(285)	(104)	(87)
Prior service cost (credit) recognized due to curtailment	0	0	0
Recognized in other comprehensive income (loss)	2,985	7,703	(3,613)
Total recognized in net periodic benefit cost and other comprehensive income (loss)	$ 5,198	$ 9,216	$ (1,994)

Employee Benefit Plans - Pre-Ta

Employee Benefit Plans - Pre-Tax Amounts Recognized as Component of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
DB Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial loss (gain)	$ 50,533	$ 48,045	$ 46,603
Prior service cost (credit)	1	(9)	(20)
Total	50,534	48,036	46,583
Life and Healthcare Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial loss (gain)	2,771	1,586	368
Prior service cost (credit)	(287)	(348)	(606)
Total	2,484	1,238	(238)
SERP Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial loss (gain)	14,614	11,345	5,560
Prior service cost (credit)	2,148	2,433	514
Total	$ 16,762	$ 13,778	$ 6,074

Employee Benefit Plans - Weighe

Employee Benefit Plans - Weighed Average Assumptions Used (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Discount Rates
Expected long-term return on plan assets	6.75%	7.00%	7.25%
DB Pension Plan
Discount Rates
Benefit Cost for Plan Year	3.04%	4.08%	3.43%
Benefit Obligation at End of Plan Year	2.24%	3.04%	4.08%
Life and Healthcare Plan
Discount Rates
Benefit Cost for Plan Year	3.10%	4.13%	3.51%
Benefit Obligation at End of Plan Year	2.33%	3.10%	4.13%
Rate of compensation increase
Benefit Cost for Plan Year	4.00%	4.00%	5.00%
Benefit Obligation at End of Plan Year	4.00%	4.00%	4.00%
SERP Plan
Discount Rates
Benefit Cost for Plan Year	3.14%	4.16%	3.55%
Benefit Obligation at End of Plan Year	2.37%	3.14%	4.16%
Rate of compensation increase
Benefit Cost for Plan Year	5.00%	5.00%	5.00%
Benefit Obligation at End of Plan Year	5.00%	5.00%	5.00%

Employee Benefit Plans - Benefi

Employee Benefit Plans - Benefits Expected to be Paid Next Five Years (Details) $ in Thousands	Dec. 31, 2020USD ($)
DB Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2021	$ 4,290
2022	4,206
2023	4,393
2024	4,444
2025	4,625
2026-2030	23,920
Total	45,878
Life and Healthcare Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2021	472
2022	452
2023	446
2024	468
2025	463
2026-2030	2,341
Total	4,642
SERP Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2021	719
2022	773
2023	880
2024	863
2025	860
2026-2030	6,130
Total	$ 10,225

Employee Benefit Plans - Pensio

Employee Benefit Plans - Pension Plan Weighted-Average Asset Allocations (Details) - DB Pension Plan	Dec. 31, 2020	Dec. 31, 2019
Defined Contribution Plan Disclosure [Line Items]
Weighted-average asset allocations	100.00%	100.00%
Equity securities
Defined Contribution Plan Disclosure [Line Items]
Weighted-average asset allocations	63.00%	62.00%
Debt securities
Defined Contribution Plan Disclosure [Line Items]
Weighted-average asset allocations	36.00%	36.00%
Other
Defined Contribution Plan Disclosure [Line Items]
Weighted-average asset allocations	1.00%	2.00%

Employee Benefit Plans - Major

Employee Benefit Plans - Major Categories of Assets in Pension Plan (Details) - DB Pension Plan - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	$ 89,172	$ 82,352	$ 72,474
(Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	89,172	82,352
(Level 2)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
(Level 3)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
Cash and cash equivalents
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	2,417	1,367
Cash and cash equivalents | (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	2,417	1,367
Cash and cash equivalents | (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
Cash and cash equivalents | (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
Common stocks
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	26,422	26,574
Common stocks | (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	26,422	26,574
Common stocks | (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
Common stocks | (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
Mutual funds
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	60,333	54,411
Mutual funds | (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	60,333	54,411
Mutual funds | (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	0	0
Mutual funds | (Level 3)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	$ 0	$ 0

Stock Plans and Stock Based C_3

Stock Plans and Stock Based Compensation - Narrative (Details) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / sharesshares	Dec. 31, 2018USD ($)$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	86,411	62,360	65,785
Stock-based compensation expense | $	$ 4,733	$ 4,235	$ 3,477
Average grant date fair value (in dollars per share) | $ / shares	$ 63.44
SARs, shares of restricted stock and restricted units and performance share awards | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Authorized number of awards (in shares)	1,275,000
Restricted stock awards and restricted units and performance share awards | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Reduction to shares available for grant (ratio)	4.25
Full-value share awards | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Authorized number of awards (in shares)	300,000
Stock options and SARs
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	0
Stock-based compensation expense | $	$ 194	$ 235	$ 304
Unrecognized compensation cost stock option awards | $	$ 191
Weighted average period for recognition	1 year 3 months 18 days
Awards granted during period (in shares)	0	0	0
Stock options and SARs | 2009 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award term (no more than)	10 years
Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	69,451	49,365	65,785
Weighted average period for recognition	3 years 4 months 24 days
Average grant date fair value (in dollars per share) | $ / shares		$ 89.21	$ 75.44
Restricted units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	10,415	8,345
Weighted average period for recognition	4 years 6 months
Restricted units | 2009 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Performance shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	6,545	4,650
Restricted stock awards and restricted units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense | $	$ 4,700	$ 4,000	$ 3,200
Unrecognized compensation cost for non-option awards | $	$ 13,500
Minimum | Stock options and SARs | 2009 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Minimum | Restricted stock | 2009 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	4 years
Maximum | Stock options and SARs | 2009 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	7 years
Maximum | Restricted stock | 2009 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	7 years

Stock Plans and Stock Based C_4

Stock Plans and Stock Based Compensation - Activity Related to Stock Options and SARs Under All Plans (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Number of Shares/Rights
Granted (in shares)	86,411	62,360	65,785
Outstanding, ending balance (in shares)	144,387
Exercisable, ending balance (in shares)	118,697
Weighted Average Exercise Price
Outstanding, ending balance (in dollars per share)	$ 50.61
Exercisable, ending balance (in dollars per share)	$ 49.17
Weighted Average Remaining Contractual Term
Outstanding (term)	3 years 5 months 23 days
Stock options and SARs
Number of Shares/Rights
Outstanding, beginning balance (in shares)	157,622
Granted (in shares)	0
Exercised (in shares)	(13,235)
Forfeited (in shares)	0
Outstanding, ending balance (in shares)	144,387	157,622
Exercisable, ending balance (in shares)	118,697
Weighted Average Exercise Price
Outstanding, beginning balance (in dollars per share)	$ 49.72
Granted (in dollars per share)	0
Exercised (in dollars per share)	39.98
Forfeited (in dollars per share)	0
Outstanding, ending balance (in dollars per share)	50.61	$ 49.72
Exercisable, ending balance (in dollars per share)	$ 49.17
Weighted Average Remaining Contractual Term
Outstanding (term)	3 years 5 months 23 days
Exercisable (term)	3 years 2 months 23 days
Aggregate Intrinsic Value
Outstanding	$ 2,991,656
Exercisable	$ 2,622,344

Stock Plans and Stock Based C_5

Stock Plans and Stock Based Compensation - Net Cash Proceeds, Tax Benefits and Intrinsic Value Related to Stock Options, SARs, and Restricted Stock (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Share-based Payment Arrangement [Abstract]
Proceeds from stock option exercises	$ (253)	$ (992)	$ (540)
Tax benefits related to stock option exercises	156	944	680
Intrinsic value of stock option exercises	$ 570	$ 2,460	$ 1,447

Stock Plans and Stock Based C_6

Stock Plans and Stock Based Compensation - Options and SARs Outstanding and Exercisable (Details)	12 Months Ended
	Dec. 31, 2020$ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number Outstanding (in shares) | shares	144,387
Weighted Average Remaining Contractual Life	3 years 5 months 23 days
Weighted Average Exercise Price (in dollars per share)	$ 50.61
Number Exercisable (in shares) | shares	118,697
Weighted Average Exercise Price (in dollars per share)	$ 49.17
$35.71-37.50
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise prices, lower range (in dollars per share)	35.71
Range of exercise prices, upper range (in dollars per share)	$ 37.50
Number Outstanding (in shares) | shares	22,872
Weighted Average Remaining Contractual Life	7 months 17 days
Weighted Average Exercise Price (in dollars per share)	$ 37
Number Exercisable (in shares) | shares	22,872
Weighted Average Exercise Price (in dollars per share)	$ 37
$37.51-41.00
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise prices, lower range (in dollars per share)	37.51
Range of exercise prices, upper range (in dollars per share)	$ 41
Number Outstanding (in shares) | shares	24,711
Weighted Average Remaining Contractual Life	2 years 3 months 10 days
Weighted Average Exercise Price (in dollars per share)	$ 40.60
Number Exercisable (in shares) | shares	24,711
Weighted Average Exercise Price (in dollars per share)	$ 40.60
$41.01-50.00
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise prices, lower range (in dollars per share)	41.01
Range of exercise prices, upper range (in dollars per share)	$ 50
Number Outstanding (in shares) | shares	46,886
Weighted Average Remaining Contractual Life	3 years 9 months 18 days
Weighted Average Exercise Price (in dollars per share)	$ 49.22
Number Exercisable (in shares) | shares	38,066
Weighted Average Exercise Price (in dollars per share)	$ 49.22
$50.01-76.90
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise prices, lower range (in dollars per share)	50.01
Range of exercise prices, upper range (in dollars per share)	$ 76.90
Number Outstanding (in shares) | shares	49,696
Weighted Average Remaining Contractual Life	5 years 25 days
Weighted Average Exercise Price (in dollars per share)	$ 63.01
Number Exercisable (in shares) | shares	32,881
Weighted Average Exercise Price (in dollars per share)	$ 63.82
$76.91-86.18
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Range of exercise prices, lower range (in dollars per share)	76.91
Range of exercise prices, upper range (in dollars per share)	$ 86.18
Number Outstanding (in shares) | shares	222
Weighted Average Remaining Contractual Life	5 years 10 months 20 days
Weighted Average Exercise Price (in dollars per share)	$ 86.18
Number Exercisable (in shares) | shares	167
Weighted Average Exercise Price (in dollars per share)	$ 86.18

Stock Plans and Stock Based C_7

Stock Plans and Stock Based Compensation - Activity Related to Restricted Stock Awards (Details)	12 Months Ended
	Dec. 31, 2020$ / sharesshares
Number of Shares
Unvested, beginning of year (in shares) | shares	247,967
Granted (in shares) | shares	86,411
Vested (in shares) | shares	(73,272)
Forfeited (in shares) | shares	(6,117)
Unvested, end of year (in shares) | shares	254,989
Weighted Average Grant Date Fair Value
Beginning balance (in dollars per share) | $ / shares	$ 73.66
Granted (in dollars per share) | $ / shares	63.44
Vested (in dollars per share) | $ / shares	64.06
Forfeited (in dollars per share) | $ / shares	75.98
Ending balance (in dollars per share) | $ / shares	$ 70.55

Other Noninterest Income and _3

Other Noninterest Income and Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Other Income and Expenses [Abstract]
Reporting threshold for other income and operating expenses (percent, greater than)	1.00%
NONINTEREST INCOME
Other service charges	$ 2,835	$ 3,166	$ 3,263
Increase in cash surrender value of corporate owned life insurance	2,188	2,164	1,818
Net gain on sale of loans	2,054	227	458
Gain on sale of fixed assets	3	98	2,954
Other miscellaneous income	1,737	2,761	4,637
Total other noninterest income	8,817	8,416	13,130
NONINTEREST EXPENSES
Marketing expense	4,750	4,856	5,495
Professional fees	6,054	8,942	8,564
Technology expense	11,791	10,666	10,099
Cardholder expense	3,252	3,238	3,277
FDIC insurance	2,398	773	2,618
Other miscellaneous expenses	17,546	17,774	20,868
Total other noninterest expenses	$ 45,791	$ 46,249	$ 50,921

Revenue Recognition - Schedule

Revenue Recognition - Schedule of Disaggregation of Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	$ 65,746	$ 67,555	$ 65,961
Noninterest Income (out-of-scope of ASC 606)	8,114	7,878	11,488
Total Noninterest Income	73,860	75,433	77,449
Insurance Revenues
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	31,505	31,091	29,369
Investment Service Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	17,520	16,434	17,288
Service Charges on Deposit Accounts
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	6,312	8,321	8,435
Card Services Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	9,263	10,526	9,693
Other
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	$ 1,146	$ 1,183	$ 1,176

Revenue Recognition - Narrative

Revenue Recognition - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Net increase to beginning retained earnings	$ 418,413	$ 370,477
Insurance
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Net increase to beginning retained earnings	5,200	4,700
Wealth management services
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Net increase to beginning retained earnings	2,200	2,000
Contingent income
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Contract assets	2,500	2,200
Contract liabilities	$ 2,000	$ 2,000

Income Taxes - Income Tax Expen

Income Taxes - Income Tax Expense (Benefit) Attributable to Income from Operations (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Current
Federal	$ 22,199	$ 15,161	$ 16,391
State	4,009	2,782	3,060
Total	26,208	17,943	19,451
Deferred
Federal	(5,247)	2,668	2,281
State	(1,037)	405	73
Deferred tax expense	(6,284)	3,073	2,354
Federal Total	16,952	17,829	18,672
State Total	2,972	3,187	3,133
Tax expense (benefit)	$ 19,924	$ 21,016	$ 21,805

Income Taxes - Income Tax Rate

Income Taxes - Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Statutory federal income tax rate	21.00%	21.00%	21.00%
State income taxes, net of federal benefit	2.40%	2.50%	2.40%
Tax exempt income	(1.80%)	(1.50%)	(1.50%)
Excess benefits from equity-based compensation	(0.20%)	(0.80%)	(0.60%)
Bank-owned life insurance income	(0.50%)	(0.50%)	(0.40%)
Federal tax credit	(0.40%)	(0.70%)	(0.60%)
All other	(0.10%)	0.50%	0.60%
Total	20.40%	20.50%	20.90%

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Deferred tax assets:
Allowance for credit losses	$ 13,095	$ 9,913
Lease liability	7,858	8,363
Interest income on nonperforming loans	500	368
Compensation and benefits	11,580	10,972
Liabilities held at fair value	20	4
Deferred loan fees and costs	1,783	732
Other	1,097	1,110
Total	35,933	31,462
Deferred tax liabilities:
Prepaid pension	10,254	9,856
Right of use asset	7,270	7,790
Depreciation	3,735	4,688
Intangibles	1,266	1,128
Purchase accounting adjustments	5	274
Leases	2,425	2,472
Other	1,504	1,478
Total deferred tax liabilities	26,459	27,686
Net deferred tax asset at year-end	9,474	3,776	$ 6,849
Net deferred tax asset at beginning of year	3,776	6,849
Decrease (increase) in net deferred tax asset	5,698	(3,073)
CECL accounting standard adoption recorded through equity	586	0
Deferred tax expense	$ (6,284)	$ 3,073	$ 2,354

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Deferred tax assets (liabilities) related to net unrealized holdings losses/(gains) in the available-for-sale securities portfolio	$ (6,700,000)	$ (1,300,000)
Deferred tax assets related to employee benefit plans	17,100,000	15,500,000
Valuation allowance	0	0
Unrecognized tax benefits	$ 0	$ 0

Other Comprehensive Income (L_3

Other Comprehensive Income (Loss) - Tax Effect Allocated to Each Component of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Before-Tax Amount
Other Comprehensive Income, Net unrealized losses	$ 15,222	$ 25,961	$ (15,813)
Tax (Expense) Benefit
Other Comprehensive Income, Net unrealized losses	(3,732)	(6,360)	3,879
Net of Tax
Unrealized gains on HTM securities transferred to AFS securities	0	2,852	0
Other comprehensive income (loss)	11,490	19,601	(11,934)
Available-for-sale securities
Before-Tax Amount
Other comprehensive gain (loss), before reclassifications	22,381	33,431	(14,550)
Unrealized gains on HTM securities transferred to AFS securities		3,777
Reclassification adjustment	(430)	(616)	440
Other Comprehensive Income, Net unrealized losses	21,951	36,592	(14,110)
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications	(5,487)	(8,190)	3,569
Unrealized gains on HTM securities transferred to AFS securities		(925)
Reclassification adjustment	106	151	(108)
Other Comprehensive Income, Net unrealized losses	(5,381)	(8,964)	3,461
Net of Tax
Other comprehensive gain (loss), before reclassifications	16,894	25,241	(10,981)
Unrealized gains on HTM securities transferred to AFS securities		2,852
Reclassification adjustment	(324)	(465)	332
Other comprehensive income (loss)	16,570	27,628	(10,649)
Net retirement plan actuarial (loss) gain
Before-Tax Amount
Other comprehensive gain (loss), before reclassifications	(9,309)	(10,122)	(3,437)
Reclassification adjustment	2,366	1,677	1,719
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications	2,281	2,480	843
Reclassification adjustment	(580)	(411)	(421)
Net of Tax
Other comprehensive gain (loss), before reclassifications	(7,028)	(7,642)	(2,594)
Reclassification adjustment	1,786	1,266	1,298
Gain due to curtailment
Before-Tax Amount
Other comprehensive gain (loss), before reclassifications		(399)
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications		97
Net of Tax
Other comprehensive gain (loss), before reclassifications		(302)
Net retirement plan prior service credit
Before-Tax Amount
Other comprehensive gain (loss), before reclassifications		(1,819)
Reclassification adjustment	214	32	15
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications		446
Reclassification adjustment	(52)	(8)	(4)
Net of Tax
Other comprehensive gain (loss), before reclassifications		(1,373)
Reclassification adjustment	162	24	11
Employee benefit plans
Before-Tax Amount
Other Comprehensive Income, Net unrealized losses	(6,729)	(10,631)	(1,703)
Tax (Expense) Benefit
Other Comprehensive Income, Net unrealized losses	1,649	2,604	418
Net of Tax
Other comprehensive income (loss)	$ (5,080)	$ (8,027)	$ (1,285)

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) - Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	$ 663,054	$ 620,871	$ 576,202
Balances at ending	717,689	663,054	620,871
Available-for-Sale Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	4,039	(23,589)	(13,005)
Other comprehensive income (loss)	16,570	27,628	(10,649)
Balances at ending	20,609	4,039	(23,589)
Employee Benefit Plans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	(47,603)	(39,576)	(38,291)
Other comprehensive income (loss)	(5,080)	(8,027)	(1,285)
Balances at ending	(52,683)	(47,603)	(39,576)
Accumulated Other Comprehensive Income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	(43,564)	(63,165)	(51,296)
Other comprehensive income (loss)	11,490	19,601	(11,934)
Balances at ending	$ (32,074)	$ (43,564)	(63,165)
Adoption of ASU 2016-01 | Available-for-Sale Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification due to adoption of ASU			65
Adoption of ASU 2016-01 | Employee Benefit Plans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification due to adoption of ASU			0
Adoption of ASU 2016-01 | Accumulated Other Comprehensive Income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Reclassification due to adoption of ASU			$ 65

Other Comprehensive Income (L_5

Other Comprehensive Income (Loss) - Details about Accumulated Other Comprehensive Income (Loss) Components (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net (loss) gain on securities transactions	$ 97,666	$ 102,861	$ 104,240
Tax expense	(19,924)	(21,016)	(21,805)
Other operating expense	(45,791)	(46,249)	(50,921)
Net Income Attributable to Tompkins Financial Corporation	77,588	81,718	$ 82,308
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Unrealized gains and losses on available-for-sale securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net (loss) gain on securities transactions	430	616
Tax expense	(106)	(151)
Net Income Attributable to Tompkins Financial Corporation	324	465
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Net retirement plan actuarial gain
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other operating expense	(2,366)	(1,677)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Net retirement plan prior service credit
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Other operating expense	(214)	(32)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Employee benefit plans
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net (loss) gain on securities transactions	(2,580)	(1,709)
Tax expense	632	419
Net Income Attributable to Tompkins Financial Corporation	$ (1,948)	$ (1,290)

Commitments and Contingent Li_3

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	$ 1,006,964	$ 980,173
Rate lock agreements	400
Commitments to sell mortgages to unrelated investors on a loan-by-loan basis	4,400
Loan commitments
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	144,593	149,397
Standby letters of credit
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	31,441	30,460
Undisbursed portion of lines of credit
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	$ 830,930	$ 800,316

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Basic
Net income available to common shareholders	$ 77,588	$ 81,718	$ 82,308
Less: income attributable to unvested stock-based compensation awards	(857)	(1,306)	(1,315)
Net earnings allocated to common shareholders	$ 76,731	$ 80,412	$ 80,993
Weighted average shares outstanding, including unvested stock-based compensation awards (in shares)	14,933,990	15,149,535	15,283,914
Less: average unvested stock-based compensation awards (in shares)	(230,600)	(242,478)	(244,685)
Weighted average shares outstanding - Basic (in shares)	14,703,390	14,907,057	15,039,229
Diluted
Net earnings allocated to common shareholders	$ 76,731	$ 80,412	$ 80,993
Weighted average shares outstanding - Basic (in shares)	14,703,390	14,907,057	15,039,229
Plus: incremental shares from assumed conversion of stock-based compensation awards (in shares)	38,650	66,894	93,028
Weighted average shares outstanding - Diluted (in shares)	14,742,040	14,973,951	15,132,257
Basic EPS (in dollars per share)	$ 5.22	$ 5.39	$ 5.39
Diluted EPS (in dollars per share)	$ 5.20	$ 5.37	$ 5.35
Antidilutive securities excluded from computation of earning per share (in shares)	7,591	14,982	10,013

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Financial Liabilities Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 1,627,193	$ 1,298,587
Equity securities	929	915
U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		1,840
Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	607,480	372,488
Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	129,746	97,785
Mortgage-backed securities - residential, U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	182,108	164,451
Mortgage-backed securities - residential, U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	705,480	659,590
U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,379	2,433
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	1,627,193	1,298,587
Recurring | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		1,840
Recurring | Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	607,480	372,488
Recurring | Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	129,746	97,785
Recurring | Mortgage-backed securities - residential, U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	182,108	164,451
Recurring | Mortgage-backed securities - residential, U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	705,480	659,590
Recurring | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,379	2,433
Recurring | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	929	915
Recurring | (Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 1) | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		0
Recurring | (Level 1) | Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 1) | Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 1) | Mortgage-backed securities - residential, U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 1) | Mortgage-backed securities - residential, U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 1) | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 1) | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Recurring | (Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	1,627,193	1,298,587
Recurring | (Level 2) | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		1,840
Recurring | (Level 2) | Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	607,480	372,488
Recurring | (Level 2) | Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	129,746	97,785
Recurring | (Level 2) | Mortgage-backed securities - residential, U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	182,108	164,451
Recurring | (Level 2) | Mortgage-backed securities - residential, U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	705,480	659,590
Recurring | (Level 2) | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,379	2,433
Recurring | (Level 2) | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	0	0
Recurring | (Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 3) | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value		0
Recurring | (Level 3) | Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 3) | Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 3) | Mortgage-backed securities - residential, U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 3) | Mortgage-backed securities - residential, U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 3) | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0	0
Recurring | (Level 3) | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 929	$ 915

Fair Value Measurements - Fair

Fair Value Measurements - Fair Value Measurements at Reporting Date and Gain (Losses) from Fair Value Changes. (Details) - Non-Recurring - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 22,171	$ 14,050
Other real estate owned	88	315
Gain (losses) from fair value changes, Impaired loans	(1,855)	(4,184)
Gain (losses) from fair value changes, Other real estate owned	(35)	(94)
(Level 1)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Other real estate owned	0	0
(Level 2)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	22,171	14,050
Other real estate owned	88	315
(Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	0	0
Other real estate owned	$ 0	$ 0

Fair Value Measurements - Estim

Fair Value Measurements - Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019
Financial Assets:
FHLB and FRB stock	$ 16,382	$ 33,695
Financial Liabilities:
Time deposits	746,234	675,014
Securities sold under agreements to repurchase	65,845	60,346
Other borrowings	265,000	658,100
Trust preferred debentures	13,220	17,035
(Level 1)
Financial Assets:
Cash and cash equivalents	388,462	137,982
FHLB and FRB stock	0	0
Accrued interest receivable	0	0
Loans and leases, net	0	0
Financial Liabilities:
Time deposits	0	0
Other deposits	0	0
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 FRB stock	16,382	33,695
Accrued interest receivable	32,025	19,293
Loans and leases, net	22,171	14,050
Financial Liabilities:
Time deposits	753,045	677,205
Other deposits	5,691,518	4,537,907
Securities sold under agreements to repurchase	65,845	60,346
Other borrowings	274,238	659,895
Trust preferred debentures	18,483	21,904
Accrued interest payable	1,727	2,486
(Level 3)
Financial Assets:
Cash and cash equivalents	0	0
FHLB and FRB stock	0	0
Accrued interest receivable	0	0
Loans and leases, net	5,204,130	4,784,218
Financial Liabilities:
Time deposits	0	0
Other deposits	0	0
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	388,462	137,982
FHLB and FRB stock	16,382	33,695
Accrued interest receivable	32,025	19,293
Loans and leases, net	5,208,658	4,877,658
Financial Liabilities:
Time deposits	746,234	675,014
Other deposits	5,691,518	4,537,907
Securities sold under agreements to repurchase	65,845	60,346
Other borrowings	265,000	658,100
Trust preferred debentures	13,220	17,035
Accrued interest payable	1,727	2,486
Fair Value
Financial Assets:
Cash and cash equivalents	388,462	137,982
FHLB and FRB stock	16,382	33,695
Accrued interest receivable	32,025	19,293
Loans and leases, net	5,226,301	4,798,268
Financial Liabilities:
Time deposits	753,045	677,205
Other deposits	5,691,518	4,537,907
Securities sold under agreements to repurchase	65,845	60,346
Other borrowings	274,238	659,895
Trust preferred debentures	18,483	21,904
Accrued interest payable	$ 1,727	$ 2,486

Regulations and Supervision (De

Regulations and Supervision (Details)	12 Months Ended
	Dec. 31, 2020subsidiaryBank	Dec. 31, 2020bankingOffice	Dec. 31, 2019bankingOffice
Equity [Abstract]
Number of subsidiary banks (banking office)	4	4	4

Regulations and Supervision - A

Regulations and Supervision - Actual Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Banking Regulation, Total Capital [Abstract]
Total Capital (to risk-weighted assets), Actual Amount	$ 720,755	$ 666,106
Total Capital (to risk-weighted assets), Actual Ratio	0.144	0.135
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 525,755	$ 517,039
Total Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.105	0.105
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 500,719	$ 492,418
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.100	0.100
Common Equity Tier 1 Capital (To Risk-weighted Assets)
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 654,144	$ 607,290
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.131	0.123
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 350,503	$ 344,692
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	7.00%	7.00%
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 325,467	$ 320,072
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	6.50%	6.50%
Tier 1 Capital (To Risk-weighted Assets)
Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 667,364	$ 624,325
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.133	0.127
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 425,611	$ 418,555
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.085	0.085
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 400,575	$ 393,934
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.080	0.080
Tier 1 Leverage Capital (To Average Assets)
Tier 1 Capital (to average assets), Actual Amount	$ 667,364	$ 624,325
Tier 1 Capital (to average assets), Actual Ratio	0.088	0.096
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 305,083	$ 259,903
Tier 1 Capital (to average assets), Minimum Capital Required, Ratio	0.040	0.040
Tier 1 Capital (to average assets), Required to be Well Capitalized, Amount	$ 381,354	$ 324,879
Tier 1 Capital (to average assets), Required to be Well Capitalized, Ratio	0.050	0.050
Castile
Banking Regulation, Total Capital [Abstract]
Total Capital (to risk-weighted assets), Actual Amount	$ 157,514	$ 145,669
Total Capital (to risk-weighted assets), Actual Ratio	0.126	0.122
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 131,034	$ 125,493
Total Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.105	0.105
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 124,795	$ 119,517
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.100	0.100
Common Equity Tier 1 Capital (To Risk-weighted Assets)
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 144,448	$ 136,342
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.116	0.114
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 87,356	$ 83,662
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	7.00%	7.00%
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 81,117	$ 77,686
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	6.50%	6.50%
Tier 1 Capital (To Risk-weighted Assets)
Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 144,448	$ 136,342
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.116	0.114
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 106,076	$ 101,589
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.085	0.085
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 99,836	$ 95,614
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.080	0.080
Tier 1 Leverage Capital (To Average Assets)
Tier 1 Capital (to average assets), Actual Amount	$ 144,448	$ 136,342
Tier 1 Capital (to average assets), Actual Ratio	0.081	0.092
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 71,605	$ 59,239
Tier 1 Capital (to average assets), Minimum Capital Required, Ratio	0.040	0.040
Tier 1 Capital (to average assets), Required to be Well Capitalized, Amount	$ 89,507	$ 74,049
Tier 1 Capital (to average assets), Required to be Well Capitalized, Ratio	0.050	0.050
Mahopac
Banking Regulation, Total Capital [Abstract]
Total Capital (to risk-weighted assets), Actual Amount	$ 133,969	$ 128,238
Total Capital (to risk-weighted assets), Actual Ratio	0.130	0.130
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 108,129	$ 103,800
Total Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.105	0.105
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 102,980	$ 98,857
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.100	0.100
Common Equity Tier 1 Capital (To Risk-weighted Assets)
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 122,393	$ 116,953
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.119	0.118
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 72,086	$ 69,200
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	7.00%	7.00%
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 66,937	$ 64,257
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	6.50%	6.50%
Tier 1 Capital (To Risk-weighted Assets)
Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 122,393	$ 116,953
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.119	0.118
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 87,533	$ 84,029
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.085	0.085
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 82,384	$ 79,086
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.080	0.080
Tier 1 Leverage Capital (To Average Assets)
Tier 1 Capital (to average assets), Actual Amount	$ 122,393	$ 116,953
Tier 1 Capital (to average assets), Actual Ratio	0.082	0.089
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 59,742	$ 52,469
Tier 1 Capital (to average assets), Minimum Capital Required, Ratio	0.040	0.040
Tier 1 Capital (to average assets), Required to be Well Capitalized, Amount	$ 74,678	$ 65,586
Tier 1 Capital (to average assets), Required to be Well Capitalized, Ratio	0.050	0.050
VIST
Banking Regulation, Total Capital [Abstract]
Total Capital (to risk-weighted assets), Actual Amount	$ 175,931	$ 161,559
Total Capital (to risk-weighted assets), Actual Ratio	0.137	0.122
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 134,615	$ 139,235
Total Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.105	0.105
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 128,205	$ 132,605
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.100	0.100
Common Equity Tier 1 Capital (To Risk-weighted Assets)
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 163,895	$ 152,550
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.128	0.115
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 89,743	$ 92,823
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	7.00%	7.00%
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 83,333	$ 86,193
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	6.50%	6.50%
Tier 1 Capital (To Risk-weighted Assets)
Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 163,895	$ 152,550
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.128	0.115
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 108,794	$ 112,714
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.085	0.085
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 102,564	$ 106,084
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.080	0.080
Tier 1 Leverage Capital (To Average Assets)
Tier 1 Capital (to average assets), Actual Amount	$ 163,895	$ 152,550
Tier 1 Capital (to average assets), Actual Ratio	0.084	0.087
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 77,874	$ 70,228
Tier 1 Capital (to average assets), Minimum Capital Required, Ratio	0.040	0.040
Tier 1 Capital (to average assets), Required to be Well Capitalized, Amount	$ 83,333	$ 87,785
Tier 1 Capital (to average assets), Required to be Well Capitalized, Ratio	0.050	0.050
Subsidiaries
Banking Regulation, Total Capital [Abstract]
Total Capital (to risk-weighted assets), Actual Amount	$ 210,756	$ 197,660
Total Capital (to risk-weighted assets), Actual Ratio	0.147	0.141
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 150,482	$ 147,405
Total Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.105	0.105
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 143,316	$ 140,386
Total Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.100	0.100
Common Equity Tier 1 Capital (To Risk-weighted Assets)
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 196,522	$ 185,499
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.137	0.132
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 100,321	$ 98,270
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	7.00%	7.00%
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 93,156	$ 91,251
Common Equity Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	6.50%	6.50%
Tier 1 Capital (To Risk-weighted Assets)
Tier 1 Capital (to risk-weighted assets), Actual Amount	$ 196,522	$ 185,499
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.137	0.132
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 121,819	$ 119,328
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Ratio	0.085	0.085
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Amount	$ 114,653	$ 112,309
Tier 1 Capital (to risk-weighted assets), Required to be Well Capitalized, Ratio	0.080	0.080
Tier 1 Leverage Capital (To Average Assets)
Tier 1 Capital (to average assets), Actual Amount	$ 196,522	$ 185,499
Tier 1 Capital (to average assets), Actual Ratio	0.082	0.092
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 95,691	$ 81,001
Tier 1 Capital (to average assets), Minimum Capital Required, Ratio	0.040	0.040
Tier 1 Capital (to average assets), Required to be Well Capitalized, Amount	$ 119,614	$ 101,252
Tier 1 Capital (to average assets), Required to be Well Capitalized, Ratio	0.050	0.050

Condensed Parent Company Only_3

Condensed Parent Company Only Financial Statements - Condensed Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Assets
Investment in subsidiaries, at equity	$ 1,500
Total Assets	7,622,171	$ 6,725,623	$ 6,758,436
Liabilities and Shareholders’ Equity
Trust preferred debentures issued to non-consolidated subsidiary	13,220	17,035
Other liabilities	122,665	114,167
Tompkins Financial Corporation Shareholders’ Equity	716,277	661,642
Total Liabilities and Equity	7,622,171	6,725,623
Tompkins (the Parent Company)
Assets
Cash	16,588	14,631
Investment in subsidiaries, at equity	707,721	664,775
Other	5,965	3,873
Total Assets	730,274	683,279
Liabilities and Shareholders’ Equity
Borrowings	0	4,000
Trust preferred debentures issued to non-consolidated subsidiary	13,220	17,035
Other liabilities	777	602
Tompkins Financial Corporation Shareholders’ Equity	716,277	661,642
Total Liabilities and Equity	$ 730,274	$ 683,279

Condensed Parent Company Only_4

Condensed Parent Company Only Financial Statements - Condensed Statement of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Condensed Income Statements, Captions [Line Items]
Interest expense	$ 28,991	$ 50,750	$ 39,792
Income tax benefit	(19,924)	(21,016)	(21,805)
Net Income Attributable to Tompkins Financial Corporation	77,588	81,718	82,308
Tompkins (the Parent Company)
Condensed Income Statements, Captions [Line Items]
Dividends received from subsidiaries	60,818	72,827	44,518
Other income	52	240	332
Total Operating Income	60,870	73,067	44,850
Interest expense	1,241	1,450	1,468
Other expenses	9,184	8,409	7,222
Total Operating Expenses	10,425	9,859	8,690
Earnings of Subsidiaries	50,445	63,208	36,160
Income tax benefit	2,160	2,085	1,687
Equity in undistributed earnings of subsidiaries	24,983	16,425	44,461
Net Income Attributable to Tompkins Financial Corporation	$ 77,588	$ 81,718	$ 82,308

Condensed Parent Company Only_5

Condensed Parent Company Only Financial Statements - Condensed Cash Flow Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Operating activities
Net income	$ 77,588	$ 81,718	$ 82,308
Adjustments to reconcile net income to net cash provided by operating activities
Other, net	7,280	(8,113)	3,468
Net Cash Provided by Operating Activities	101,387	101,615	107,265
Investing activities
Other, net	489	5,209	216
Net Cash (Used in) Provided by Investing Activities	(643,719)	133,986	(143,600)
Financing activities
Cash dividends	(31,359)	(30,637)	(29,634)
Repurchase of common shares	(9,414)	(29,867)	(2,448)
Redemption of trust preferred debentures	(4,124)	0	0
Shares issued for dividend reinvestment plan	1,825	0	0
Shares issued for employee stock ownership plan	0	0	3,073
Net Cash Provided by (Used in) Financing Activities	792,812	(178,008)	32,421
Net Increase (Decrease) Cash and Cash Equivalents	250,480	57,593	(3,914)
Cash and cash equivalents at beginning of year	137,982	80,389	84,303
Total Cash & Cash Equivalents at End of Year	388,462	137,982	80,389
Tompkins (the Parent Company)
Operating activities
Net income	77,588	81,718	82,308
Adjustments to reconcile net income to net cash provided by operating activities
Equity in undistributed earnings of subsidiaries	(24,983)	(16,425)	(44,461)
Other, net	(1,541)	3,209	1,014
Net Cash Provided by Operating Activities	51,064	68,502	38,861
Investing activities
Other, net	(100)	3,265	0
Net Cash (Used in) Provided by Investing Activities	(100)	3,265	0
Financing activities
Borrowings, net	(4,000)	0	(5,000)
Cash dividends	(31,359)	(30,637)	(29,634)
Repurchase of common shares	(9,414)	(29,867)	(2,448)
Redemption of trust preferred debentures	(4,124)	0
Net proceeds from restricted stock awards	(1,682)	(1,875)	(1,403)
Shares issued for dividend reinvestment plan	1,825	0	0
Shares issued for employee stock ownership plan	0	0	3,073
Net proceeds from exercise of stock options	(253)	(992)	(540)
Net Cash Provided by (Used in) Financing Activities	(49,007)	(63,371)	(35,952)
Net Increase (Decrease) Cash and Cash Equivalents	1,957	8,396	2,909
Cash and cash equivalents at beginning of year	14,631	6,235	3,326
Total Cash & Cash Equivalents at End of Year	$ 16,588	$ 14,631	$ 6,235

Segment and Related Informati_3

Segment and Related Information - Narrative (Details)	12 Months Ended
	Dec. 31, 2020segment	Dec. 31, 2020subsidiaryBank	Dec. 31, 2020bankingOffice	Dec. 31, 2020subsidiaryTrust	Dec. 31, 2020office	Dec. 31, 2019bankingOffice
Segment Reporting Information [Line Items]
Number of reportable business segments	3			3
Number of subsidiary banks (banking office)		4	4			4
Ithaca, NY
Segment Reporting Information [Line Items]
Number of banking offices			14
Genesee Valley Region
Segment Reporting Information [Line Items]
Number of banking offices			16
Counties North of New York City
Segment Reporting Information [Line Items]
Number of banking offices			14
Southeastern Pennsylvania
Segment Reporting Information [Line Items]
Number of banking offices			20
Western New York
Segment Reporting Information [Line Items]
Nature of operations, number of offices | office					5

Segment and Related Informati_4

Segment and Related Information - Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Interest income	$ 254,330	$ 261,378	$ 251,592
Interest expense	28,991	50,750	39,792
Net interest income	225,339	210,628	211,800
Provision for credit loss expense	16,151	1,366	3,942
Noninterest income	73,860	75,433	77,449
Noninterest expense	185,382	181,834	181,067
Income Before Income Tax Expense	97,666	102,861	104,240
Income tax expense	19,924	21,016	21,805
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	77,742	81,845	82,435
Less: Net income attributable to noncontrolling interests	154	127	127
Net Income Attributable to Tompkins Financial Corporation	77,588	81,718	82,308
Depreciation and amortization	10,192	10,044	9,554
Assets	7,622,171	6,725,623	6,758,436
Goodwill	92,447	92,447	92,283
Other intangibles, net	4,905	6,223	7,628
Net loans and leases	5,208,658	4,877,658	4,790,529
Deposits	6,437,752	5,212,921	4,888,959
Total equity	717,689	663,054	620,871	$ 576,202
Banking
Segment Reporting Information [Line Items]
Goodwill	64,369	64,369	64,369
Insurance
Segment Reporting Information [Line Items]
Goodwill	19,867	19,867	19,703
Wealth Management
Segment Reporting Information [Line Items]
Goodwill	8,211	8,211	8,211
Operating Segments | Banking
Segment Reporting Information [Line Items]
Interest income	254,330	261,378	251,592
Interest expense	28,995	50,753	39,795
Net interest income	225,335	210,625	211,797
Provision for credit loss expense	16,151	1,366	3,942
Noninterest income	26,015	29,054	31,738
Noninterest expense	148,742	145,102	145,070
Income Before Income Tax Expense	86,457	93,211	94,523
Income tax expense	17,033	18,598	19,486
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	69,424	74,613	75,037
Less: Net income attributable to noncontrolling interests	154	127	127
Net Income Attributable to Tompkins Financial Corporation	69,270	74,486	74,910
Depreciation and amortization	9,912	9,778	9,194
Assets	7,564,342	6,671,409	6,707,625
Goodwill	64,370	64,370	64,370
Other intangibles, net	2,418	3,215	4,224
Net loans and leases	5,208,658	4,877,658	4,790,529
Deposits	6,449,289	5,223,893	4,900,464
Total equity	660,334	608,901	568,988
Operating Segments | Insurance
Segment Reporting Information [Line Items]
Interest income	4	3	3
Interest expense	0	0	0
Net interest income	4	3	3
Provision for credit loss expense	0	0	0
Noninterest income	31,930	31,501	29,760
Noninterest expense	25,941	25,908	25,427
Income Before Income Tax Expense	5,993	5,596	4,336
Income tax expense	1,625	1,426	1,092
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	4,368	4,170	3,244
Less: Net income attributable to noncontrolling interests	0	0	0
Net Income Attributable to Tompkins Financial Corporation	4,368	4,170	3,244
Depreciation and amortization	229	225	230
Assets	41,812	41,841	42,088
Goodwill	19,866	19,866	19,702
Other intangibles, net	2,398	2,860	3,192
Net loans and leases	0	0	0
Deposits	0	0	0
Total equity	31,455	32,204	32,996
Operating Segments | Wealth Management
Segment Reporting Information [Line Items]
Interest income	0	0	0
Interest expense	0	0	0
Net interest income	0	0	0
Provision for credit loss expense	0	0	0
Noninterest income	18,131	17,001	17,997
Noninterest expense	12,915	12,947	12,616
Income Before Income Tax Expense	5,216	4,054	5,381
Income tax expense	1,266	992	1,227
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	3,950	3,062	4,154
Less: Net income attributable to noncontrolling interests	0	0	0
Net Income Attributable to Tompkins Financial Corporation	3,950	3,062	4,154
Depreciation and amortization	51	41	130
Assets	28,616	24,313	21,365
Goodwill	8,211	8,211	8,211
Other intangibles, net	89	148	212
Net loans and leases	0	0	0
Deposits	0	0	0
Total equity	25,900	21,949	18,887
Intercompany
Segment Reporting Information [Line Items]
Interest income	(4)	(3)	(3)
Interest expense	(4)	(3)	(3)
Net interest income	0	0	0
Provision for credit loss expense	0	0	0
Noninterest income	(2,216)	(2,123)	(2,046)
Noninterest expense	(2,216)	(2,123)	(2,046)
Income Before Income Tax Expense	0	0	0
Income tax expense	0	0	0
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	0	0	0
Less: Net income attributable to noncontrolling interests	0	0	0
Net Income Attributable to Tompkins Financial Corporation	0	0	0
Depreciation and amortization	0	0	0
Assets	(12,599)	(11,940)	(12,642)
Goodwill	0	0	0
Other intangibles, net	0	0	0
Net loans and leases	0	0	0
Deposits	(11,537)	(10,972)	(11,505)
Total equity	$ 0	$ 0	$ 0

Uncategorized Items - tmp-20201

Label	Element	Value
Accounting Standards Update 2016-01 [Member]
Accounting Standards Update [Extensible List]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2016-01 [Member]
Accounting Standards Update 2014-09 [Member]
Accounting Standards Update [Extensible List]	us-gaap_AccountingStandardsUpdateExtensibleList	Accounting Standards Update 2014-09 [Member]