Tompkins Financial (TMP) 10-K 1 Mar 22 2021 FY Annual report Financial data

Cover Page

Cover Page - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Feb. 28, 2022	Jun. 30, 2021
Cover [Abstract]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Dec. 31, 2021
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	No
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			$ 931.7
Entity Common Stock, Shares Outstanding		14,584,596
Documents Incorporated by Reference	Portions of the registrant’s definitive Proxy Statement relating to its 2022 Annual Meeting of stockholders, to be held on May 10, 2022, 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	2021

Audit Information

Audit Information	12 Months Ended
	Dec. 31, 2021
Audit Information [Abstract]
Auditor Name	KPMG LLP
Auditor Location	Rochester, New York
Auditor Firm ID	185

CONSOLIDATED STATEMENTS OF COND

CONSOLIDATED STATEMENTS OF CONDITION - USD ($)	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and noninterest bearing balances due from banks	$ 23,078,000	$ 21,245,000
Interest bearing balances due from banks	40,029,000	367,217,000
Cash and Cash Equivalents	63,107,000	388,462,000
Available-for-sale debt securities, at fair value (amortized cost of $2,063,790 at December 31, 2021 and $1,599,894 at December 31, 2020)	2,044,513,000	1,627,193,000
Held-to-maturity securities, at amortized cost (fair value of $282,288 at December 31, 2021 and $0 at December 31, 2020)	284,009,000	0
Equity securities, at fair value (amortized cost $902 at December 31, 2021 and $929 at December 31, 2020)	902,000	929,000
Total loans and leases, net of unearned income and deferred costs and fees	5,075,467,000	5,260,327,000
Less: Allowance for credit losses	42,843,000	51,669,000
Net Loans and Leases	5,032,624,000	5,208,658,000
Federal Home Loan Bank and other stock	10,996,000	16,382,000
Bank premises and equipment, net	85,416,000	88,709,000
Corporate owned life insurance	86,495,000	84,736,000
Goodwill	92,447,000	92,447,000
Other intangible assets, net	3,643,000	4,905,000
Accrued interest and other assets	115,830,000	109,750,000
Total Assets	7,819,982,000	7,622,171,000
Interest bearing:
Checking, savings and money market	4,016,025,000	3,761,933,000
Time	639,674,000	746,234,000
Noninterest bearing	2,135,736,000	1,929,585,000
Total Deposits	6,791,435,000	6,437,752,000
Federal funds purchased and securities sold under agreements to repurchase	66,787,000	65,845,000
Other borrowings	124,000,000	265,000,000
Trust preferred debentures	0	13,220,000
Other liabilities	108,819,000	122,665,000
Total Liabilities	7,091,041,000	6,904,482,000
Tompkins Financial Corporation shareholders' equity:
Common Stock - par value $.10 per share: Authorized 25,000,000 shares; Issued: 14,696,911 at December 31, 2021; and 14,964,389 at December 31, 2020	1,470,000	1,496,000
Additional paid-in capital	312,538,000	333,976,000
Retained earnings	475,262,000	418,413,000
Accumulated other comprehensive loss	(55,950,000)	(32,074,000)
Treasury stock, at cost – 122,824 shares at December 31, 2021, and 124,849 shares at December 31, 2020	(5,791,000)	(5,534,000)
Total Tompkins Financial Corporation Shareholders’ Equity	727,529,000	716,277,000
Noncontrolling interests	1,412,000	1,412,000
Total Equity	728,941,000	717,689,000
Total Liabilities and Equity	$ 7,819,982,000	$ 7,622,171,000

CONSOLIDATED STATEMENTS OF CO_2

CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Available-for-sale securities, amortized cost	$ 2,063,790	$ 1,599,894
Securities - held-to-maturity	282,288	0
Equity securities, amortized cost	$ 902	$ 929
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)	14,696,911	14,964,389
Treasury stock, shares (in shares)	122,824	124,849

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
INTEREST AND DIVIDEND INCOME
Loans	$ 214,684	$ 227,313	$ 226,723
Due from banks	343	194	41
Available-for-sale debt securities	23,440	25,450	28,460
Held-to-maturity securities	2,075	0	3,151
Federal Home Loan Bank stock and Federal Reserve Bank stock	776	1,373	3,003
Total Interest and Dividend Income	241,318	254,330	261,378
INTEREST EXPENSE
Time certificates of deposits of $250,000 or more	2,202	3,175	3,095
Other deposits	8,645	16,789	27,809
Federal funds purchased and securities sold under agreements to repurchase	64	95	143
Trust preferred debentures	2,233	1,133	1,276
Other borrowings	4,382	7,799	18,427
Total Interest Expense	17,526	28,991	50,750
Net interest income	223,792	225,339	210,628
Less: (Credit) provision for Credit Loss Expense	(2,219)	17,213	1,366
Net Interest Income After Provision for Credit Loss Expense	226,011	208,126	209,262
NONINTEREST INCOME
Insurance commissions and fees	34,836	31,505	31,091
Investment services income	19,388	17,520	16,434
Service charges on deposit accounts	6,347	6,312	8,321
Card services income	10,826	9,263	10,526
Other income	7,203	8,817	8,416
Net gain on securities transactions	249	443	645
Total Noninterest Income	78,849	73,860	75,433
NONINTEREST EXPENSES
Salaries and wages	96,038	92,519	89,399
Other employee benefits	24,172	24,812	23,488
Net occupancy expense of premises	13,179	12,930	13,210
Furniture and fixture expense	8,328	7,846	7,815
Amortization of intangible assets	1,317	1,484	1,673
Other operating expenses	47,253	44,729	46,249
Total Noninterest Expenses	190,287	184,320	181,834
Income Before Income Tax Expense	114,573	97,666	102,861
Income Tax Expense	25,182	19,924	21,016
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	89,391	77,742	81,845
Less: Net income attributable to noncontrolling interests	127	154	127
Net Income Attributable to Tompkins Financial Corporation	$ 89,264	$ 77,588	$ 81,718
Basic Earnings Per Share (in dollars per share)	$ 6.08	$ 5.22	$ 5.39
Diluted Earnings Per Share (in dollars per share)	$ 6.05	$ 5.20	$ 5.37

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	$ 89,391	$ 77,742	$ 81,845
Available-for-sale debt securities:
Change in net unrealized gain (loss) during the period	(34,961)	16,894	25,241
Unrealized gains on HTM securities transferred to AFS securities	0	0	2,852
Reclassification adjustment for net realized (gain) loss on sale included in available-for-sale debt securities	(208)	(324)	(465)
Employee benefit plans:
Net retirement plan gain (loss)	8,898	(7,028)	(7,642)
Net actuarial gain due to curtailment	0	0	(302)
Net retirement plan prior service (credit) cost	0	0	(1,373)
Amortization of net retirement plan actuarial gain	2,228	1,786	1,266
Amortization of net retirement plan prior service cost	167	162	24
Other comprehensive (loss) income	(23,876)	11,490	19,601
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	65,515	89,232	101,446
Less: Total comprehensive income attributable to noncontrolling interests	(127)	(154)	(127)
Total comprehensive income attributable to Tompkins Financial Corporation	$ 65,388	$ 89,078	$ 101,319

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
OPERATING ACTIVITIES
Net income attributable to Tompkins Financial Corporation	$ 89,264	$ 77,588	$ 81,718
Adjustments to reconcile net income attributable to Tompkins Financial Corporation, to net cash provided by operating activities:
(Credit) provision for credit loss expense	(2,219)	17,213	1,366
Depreciation and amortization of premises, equipment, and software	10,250	10,192	10,044
Accretion related to purchase accounting	(912)	(1,066)	(1,448)
Amortization of intangible assets	1,317	1,484	1,673
Earnings from corporate owned life insurance, net	(1,879)	(2,188)	(2,164)
Net amortization on securities	11,758	10,737	7,435
Deferred income tax expense (benefit)	1,798	(6,284)	3,073
Net (gain) loss on sale of securities transactions	(249)	(443)	(645)
Loss on redemption of trust preferred debentures	1,845	139	0
Penalties on prepayment of FHLB borrowings	2,929	0	0
Net gain on sale of loans	(943)	(2,054)	(227)
Proceeds from sale of loans	32,460	53,726	17,122
Loans originated for sale	(27,354)	(55,232)	(15,007)
Net gain on sale of bank premises and equipment	(21)	(3)	(98)
Net excess tax benefit from stock based compensation	609	118	944
Stock-based compensation expense	5,145	4,733	4,235
Decrease (increase) in accrued interest receivable	9,428	(12,732)	1,629
(Decrease) increase in accrued interest payable	(826)	(759)	78
Other, net	(11,223)	6,218	(8,113)
Net Cash Provided by Operating Activities	121,177	101,387	101,615
INVESTING ACTIVITIES
Proceeds from maturities, calls and principal paydowns of available-for-sale debt securities	453,735	545,617	302,978
Proceeds from sales of available-for-sale debt securities	142,679	42,333	232,598
Proceeds from maturities, calls and principal paydowns of held-to-maturity securities	0	0	9,588
Purchases of available-for-sale debt securities	(1,071,810)	(904,913)	(333,151)
Purchases of held-to-maturity securities	(283,992)	0	(7,589)
Net decrease (increase) in loans and leases	175,162	(340,475)	(89,582)
Proceeds from sales/redemption of Federal Home Loan Bank stock	9,182	42,706	126,755
Purchases of Federal Home Loan Bank and other stock	(3,796)	(25,393)	(108,188)
Proceeds from sale of bank premises and equipment	95	22	448
Purchases of bank premises, equipment and software	(4,741)	(4,551)	(6,014)
Redemption of corporate owned life insurance	169	446	1,370
Net cash used in acquisitions	0	0	(436)
Other, net	23	489	5,209
Net Cash (Used in) Provided by Investing Activities	(583,294)	(643,719)	133,986
FINANCING ACTIVITIES
Net increase in demand, money market, and savings deposits	460,243	1,153,611	286,243
Net (decrease) increase in time deposits	(106,063)	71,809	38,591
Net increase (decrease) in securities sold under agreements to repurchase and Federal funds purchased	942	5,499	(21,496)
Increase in other borrowings	14,000	74,583	526,853
Redemption of trust preferred debentures	(15,150)	(4,124)	0
Repayment of other borrowings	(157,929)	(467,683)	(944,828)
Net proceeds from restricted stock awards	(2,292)	(1,682)	(1,875)
Cash dividends	(32,415)	(31,359)	(30,637)
Repurchase of common stock	(23,773)	(9,414)	(29,867)
Shares issued for dividend reinvestment plan	2	1,825	0
Net proceeds from exercise of stock options	(803)	(253)	(992)
Net Cash Provided by (Used in) Financing Activities	136,762	792,812	(178,008)
Net (Decrease) Increase Cash and Cash Equivalents	(325,355)	250,480	57,593
Cash and cash equivalents at beginning of year	388,462	137,982	80,389
Total Cash & Cash Equivalents at End of Year	63,107	388,462	137,982
Supplemental Cash Flow Information
Cash paid during the year for - Interest	16,920	30,340	51,545
Cash paid, net of refunds, during the year for - Income taxes	28,630	22,893	16,727
Non-cash investing and financing activities:
Transfer of loans to other real estate owned	46	192	803
Transfer of securities from held-to-maturity to available-for-sale	0	0	138,206
Initial recognition of operating lease right-of-use assets	0	0	35,783
Initial recognition of operating lease liabilities	0	0	38,119
Right-of-use assets obtained in exchange for new lease liabilities	$ 2,280	$ 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	Treasury Stock	Non- controlling Interests
Balances at beginning at Dec. 31, 2018	$ 620,871		$ 1,535	$ 366,595	$ 319,396		$ (63,165)	$ (4,902)	$ 1,412
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	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)
Dividend to noncontrolling interests	$ (127)								(127)
Accounting Standards Update [Extensible Enumeration]	Adoption of Accounting Guidance ASU 2016-13
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
Directors deferred compensation plan	0			255				(255)
Restricted stock activity	(1,682)		4	(1,686)
Dividend to noncontrolling interests	(148)								(148)
Shares issued for dividend reinvestment plan	1,825		3	1,822
Partial repurchase of noncontrolling interest	(6)								(6)
Balances at ending at Dec. 31, 2020	717,689		1,496	333,976	418,413		(32,074)	(5,534)	1,412
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income attributable to noncontrolling interests and Tompkins Financial Corporation	89,391				89,264				127
Other comprehensive income (loss)	(23,876)						(23,876)
Subtotal comprehensive income attributable to noncontrolling interests and Tompkins Financial Corporation	65,515
Cash dividends	(32,415)				(32,415)
Net exercise of stock options	(803)		2	(805)
Common stock repurchased and returned to unissued status	(23,773)		(30)	(23,743)
Stock-based compensation expense	5,145			5,145
Directors deferred compensation plan	0			257				(257)
Restricted stock activity	(2,292)		2	(2,294)
Dividend to noncontrolling interests	(125)								(125)
Shares issued for dividend reinvestment plan	2			2
Partial repurchase of noncontrolling interest	(2)								(2)
Balances at ending at Dec. 31, 2021	$ 728,941		$ 1,470	$ 312,538	$ 475,262		$ (55,950)	$ (5,791)	$ 1,412

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Statement of Stockholders' Equity [Abstract]
Cash dividends (in dollars per share)	$ 2.19	$ 2.10	$ 2.02
Net exercise of stock options (in shares)	13,498	3,775	18,053
Common stock repurchased and returned to unissued status (in shares)	304,513	127,690	376,021
Directors deferred compensation plan (in shares)	140	893	1,729
Restricted stock activity (in shares)	23,505	43,963	24,180
Shares issued for dividend reinvestment plan (in shares)	32	29,842

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2021
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 Community Bank, and Tompkins Insurance Agencies, Inc. (“Tompkins Insurance”). Tompkins Community Bank 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. 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 both December 31, 2021 and December 31, 2020, the reserve requirements for the Company’s banking subsidiaries totaled $0.0. Securities Management determines the appropriate classification of debt 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 debt 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. 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 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 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. Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type with each type sharing similar risk characteristics and considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. As of December 31, 2021, the held-to-maturity portfolio consisted of U.S. Treasury securities and securities issued by U.S. government-sponsored enterprises, including the Federal National Mortgage Agency and the Federal Farm Credit Banks Funding Corporation. U.S. Treasury securities are backed by the full faith and credit of and/or guaranteed by the U.S. government, and it is expected that the securities will not be settled at prices less than the amortized cost basis of the securities. Securities issued by U.S. government agencies or U.S. government-sponsored enterprises carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as "risk-free," and have a long history of zero credit loss. 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 Account Standard Codification ("ASC") Topic 815 Derivatives and Hedging . 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 provides 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’s 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 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, and its related amendments , 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 $400,000, 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 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, 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, 2021 and 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, generally six months, 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 COVI

Securities

Securities	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Securities	Securities Available-for-Sale Debt Securities The following tables summarize available-for-sale debt securities held by the Company at December 31, 2021 and 2020: December 31, 2021 Available-for-Sale Debt Securities (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasuries $ 160,291 $ 85 $ 2,542 $ 157,834 Obligations of U.S. Government sponsored entities 843,218 4,527 15,372 832,373 Obligations of U.S. states and political subdivisions 102,177 2,092 100 104,169 Mortgage-backed securities – residential, issued by U.S. Government agencies 76,502 1,187 532 77,157 U.S. Government sponsored entities 879,102 5,735 14,281 870,556 U.S. corporate debt securities 2,500 0 76 2,424 Total available-for-sale debt securities $ 2,063,790 $ 13,626 $ 32,903 $ 2,044,513 December 31, 2020 Available-for-Sale Debt Securities (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value 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 debt securities $ 1,599,894 $ 30,773 $ 3,474 $ 1,627,193 Held-to-Maturity Securities The following tables summarize held-to-maturity debt securities held by the Company at December 31, 2021 and 2020: December 31, 2021 Held-to-Maturity Securities (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasuries $ 86,689 $ 279 $ 600 $ 86,368 Obligations of U.S. Government sponsored entities 197,320 389 1,789 195,920 Total held-to-maturity debt securities $ 284,009 $ 668 $ 2,389 $ 282,288 There were no held-to-maturity debt securities at December 31, 2020. The following table sets forth information with regard to sales transactions of debt securities available-for-sale: Year ended December 31, (In thousands) 2021 2020 2019 Proceeds from sales $ 142,679 $ 42,333 $ 232,598 Gross realized gains 1,126 179 1,123 Gross realized losses (851) 0 (595) Net gains (losses) on sales of available-for-sale debt securities $ 275 $ 179 $ 528 The Company's available-for-sale and held-to-maturity debt securities portfolios includes callable securities that may be called prior to maturity. In 2021, 2020, and 2019, the Company recognized gross gains of $0, $251,000 and $88,000 on securities that were called. The Company also recognized net losses of $26,000 on equity securities for the years ended December 31, 2021 and net gains of $13,000 and $29,000 for the years ended December 31, 2020 and 2019, respectively, reflecting the change in fair value. The following table summarizes available-for-sale debt securities that had unrealized losses at December 31, 2021: December 31, 2021 Available-for-Sale Debt Securities Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasuries $ 147,810 $ 2,542 $ 0 $ 0 $ 147,810 $ 2,542 Obligations of U.S. Government sponsored entities 362,895 $ 6,694 $ 289,210 $ 8,678 $ 652,105 $ 15,372 Obligations of U.S. states and political subdivisions 9,700 85 1,283 15 10,983 100 Mortgage-backed securities – residential, issued by U.S. Government agencies 22,074 160 16,846 372 38,920 532 U.S. Government sponsored entities 553,351 11,440 84,537 2,841 637,888 14,281 U.S. corporate debt securities 0 0 2,424 76 2,424 76 Total available-for-sale debt securities $ 1,095,830 $ 20,921 $ 394,300 $ 11,982 $ 1,490,130 $ 32,903 The following table summarizes held-to-maturity debt securities that had unrealized losses at December 31, 2021: December 31, 2021 Held-to-Maturity Securities Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasuries $ 35,280 $ 600 $ 0 $ 0 $ 35,280 $ 600 Obligations of U.S. Government sponsored entities 84,592 1,789 0 0 84,592 1,789 Total held-to-maturity securities $ 119,872 $ 2,389 $ 0 $ 0 $ 119,872 $ 2,389 Within the available-for-sale and held-to-maturity portfolios, the total number of securities in an unrealized loss position were 268 and 77 at December 31, 2021 and 2020. The following table summarizes available-for-sale debt securities that had unrealized losses at December 31, 2020: December 31, 2020 Available-for-Sale Debt 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 debt securities $ 417,782 $ 3,014 $ 9,266 $ 460 $ 427,048 $ 3,474 There were no held-to-maturity debt securities at December 31, 2020. The Company evaluates available-for-sale debt securities for expected credit losses (“ECL”) in unrealized loss positions at each measurement date to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Factors that may be indicative of ECL include, but are not limited to, the following: ◦ Extent to which the fair value is less than the amortized cost basis. ◦ Adverse conditions specifically related to the security, an industry, or geographic area (changes in technology, business practice). ◦ Payment structure of the debt security with respect to underlying issuer or obligor. ◦ Failure of the issuer to make scheduled payment of principal and/or interest. ◦ Changes to the rating of a security or issuer by a nationally recognized statistical rating organization. ◦ Changes in tax or regulatory guidelines that impact a security or underlying issuer. For available-for-sale debt securities in an unrealized loss position, the Company evaluates the securities to determine whether the decline in the fair value below the amortized cost basis (technical impairment) is the result of changes in interest rates or reflects a fundamental change in the credit worthiness of the underlying issuer. Any impairment that is not credit related is recognized in other comprehensive income, net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses (“ACL”) on the 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. The total gross unrealized losses, shown in the tables above, were primarily attributable to changes in interest rates and levels of market liquidity, relative to when the investment securities were purchased, and not due to the credit-related quality of the investment securities. The Company does not have the intent to sell these securities and does not believe it is more likely than not that the Company will be required to sell these securities before a recovery of amortized cost. The gross unrealized losses reported for available-for-sale residential mortgage-backed securities relate to investment securities issued by U.S. government sponsored entities such as Federal National Mortgage Association, FHLMC and U.S. government agencies such as Government National Mortgage Association. The gross unrealized losses for held-to-maturity securities are on US Treasuries and securities issued by U.S. government-sponsored enterprises, including The Federal National Mortgage Agency and the Federal Farm Credit Banks Funding Corporation. Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type with each type sharing similar risk characteristics and considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. Management has made the accounting policy election to exclude accrued interest receivable on held-to-maturity debt securities from the estimate of credit losses. As of December 31, 2021, the held-to- maturity portfolio consisted of U.S. Treasury securities and securities issued by U.S. government-sponsored enterprises, including The Federal National Mortgage Agency and the Federal Farm Credit Banks Funding Corporation. U.S. Treasury securities are backed by the full faith and credit of and/or guaranteed by the U.S. government, and it is expected that the securities will not be settled at prices less than the amortized cost bases of the securities. Securities issued by U.S. government agencies or U.S. government-sponsored enterprises carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as “risk-free,” and have a long history of zero credit loss. As such, the Company did not record an allowance for credit losses for these securities as of December 31, 2021. The Company did not recognize any net credit impairment charge to earnings on investment securities in 2021, 2020, or 2019. 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, 2021 (In thousands) Amortized Cost Fair Value Available-for-sale debt securities: Due in one year or less $ 77,159 $ 77,892 Due after one year through five years 474,537 471,776 Due after five years through ten years 501,748 492,573 Due after ten years 54,742 54,559 Total 1,108,186 1,096,800 Mortgage-backed securities 955,604 947,713 Total available-for-sale debt securities $ 2,063,790 $ 2,044,513 December 31, 2020 (In thousands) Amortized Cost Fair Value Available-for-sale debt 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, 2021 (In thousands) Amortized Cost Fair Value Held-to-maturity securities: Due after five years through ten years 284,009 282,288 Total held-to-maturity debt securities $ 284,009 $ 282,288 There were no held-to-maturity debt securities at December 31, 2020. Trading Securities The Company had no securities designated as trading during 2021 or 2020. 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 $1.4 billion and $1.2 billion, at December 31, 2021 and 2020, 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, 2021. Equity Securities The Company invests in one CRA qualified equity fund. This security is carried at market value. Investment in Small Business Investment Companies The Company has equity investments in small business investment companies (“SBIC”) establish ed for the purpose of providing financing to small businesses in market areas served by the Company. These investments totaled $1.6 million a nd $1.5 million at December 31, 2021 and 2020, respectfully, 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, 2021, 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 $9.9 million, $1.0 million and $95,000 at December 31, 2021, 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, 2021
Loans and Leases Receivable Disclosure [Abstract]
Loans and Leases	Loans and Leases Loans and Leases at December 31, 2021 and December 31, 2020 were as follows: December 31, (In thousands) 2021 2020 Commercial and industrial Agriculture $ 99,172 $ 94,489 Commercial and industrial other 699,121 792,987 PPP loans* 71,260 291,252 Subtotal commercial and industrial 869,553 1,178,728 Commercial real estate Construction 178,582 163,016 Agriculture 195,973 201,866 Commercial real estate other 2,278,599 2,204,310 Subtotal commercial real estate 2,653,154 2,569,192 Residential real estate Home equity 182,671 200,827 Mortgages 1,290,911 1,235,160 Subtotal residential real estate 1,473,582 1,435,987 Consumer and other Indirect 4,655 8,401 Consumer and other 67,396 61,399 Subtotal consumer and other 72,051 69,800 Leases 13,948 14,203 Total loans and leases 5,082,288 5,267,910 Less: unearned income and deferred costs and fees (6,821) (7,583) Total loans and leases, net of unearned income and deferred costs and fees $ 5,075,467 $ 5,260,327 *SBA 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 2021. 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 FHLMC or 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 2021, 2020, and 2019, the Company sold residential mortgage loans totaling $31.5 million , $51.7 million, and $16.9 million, respectively, and realized net gains on these sales of $943,000, $2.1 million, and $227,000, 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 2021, 2020, and 2019, the Company recorded mortgage-servicing assets of $236,000, $388,000, and $127,000, respectively. The loans sold to FHLMC and SONYMA were originated with the intent to sell. Amortization of mortgage servicing assets amounted to $182,000 in 2021, $221,000 in 2020, and $117,000 in 2019. At December 31, 2021 and 2020, the Company serviced residential mortgage loans aggregating $147.1 million and $140.9 million, including loans securitized and held as available-for-sale debt securities. Mortgage servicing rights, at an amortized cost basis, totaled $1.0 million at December 31, 2021 and $981,000 at December 31, 2020. These mortgage servicing rights were evaluated for impairment at year-end 2021 and 2020 and no impairment was recognized. Loans held for sale, which are included in residential real estate, totaled $205,000 and $4.4 million at December 31, 2021 and 2020, 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, 2021 and 2020, the Company had $110.0 million and $265.0 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, SOFR, 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, SOFR, 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 80% 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, SOFR, 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 thirteen 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: December 31, (In thousands) 2021 2020 Balance at beginning of year $ 49,080 $ 48,389 Loans to new directors/executive officers 0 5,886 New loans and advancements 7,274 3,022 Loan payments (34,451) (8,217) Balance at end of year $ 21,903 $ 49,080 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, 2021 and 2020. December 31, 2021 (In thousands) 30-59 Days 60-89 Days 90 Days or More Total Past Due Current Loans Total Loans Loans and Leases Commercial and industrial Agriculture $ 0 $ 0 $ 0 $ 0 $ 99,172 $ 99,172 Commercial and industrial other 506 6 88 600 698,521 699,121 PPP loans 0 0 0 0 71,260 71,260 Subtotal commercial and industrial 506 6 88 600 868,953 869,553 Commercial real estate Construction 0 0 0 0 178,582 178,582 Agriculture 121 0 0 121 195,852 195,973 Commercial real estate other 150 257 3,305 3,712 2,274,887 2,278,599 Subtotal commercial real estate 271 257 3,305 3,833 2,649,321 2,653,154 Residential real estate Home equity 441 417 798 1,656 181,015 182,671 Mortgages 7 839 3,917 4,763 1,286,148 1,290,911 Subtotal residential real estate 448 1,256 4,715 6,419 1,467,163 1,473,582 Consumer and other Indirect 77 86 2 165 4,490 4,655 Consumer and other 120 45 45 210 67,186 67,396 Subtotal consumer and other 197 131 47 375 71,676 72,051 Leases 0 0 0 0 13,948 13,948 Total loans and leases 1,422 1,650 8,155 11,227 5,071,061 5,082,288 Less: unearned income and deferred costs and fees 0 0 0 0 (6,821) (6,821) Total loans and leases, net of unearned income and deferred costs and fees $ 1,422 $ 1,650 $ 8,155 $ 11,227 $ 5,064,240 $ 5,075,467 *SBA Paycheck Protection Program ("PPP") December 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 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. December 31, 2021 (In thousands) Nonaccrual Loans and Leases with no ACL Nonaccrual Loans and Leases Loans and Leases Past Due Over 89 Days and Accruing Loans and Leases Commercial and industrial Commercial and industrial other $ 502 $ 533 $ 0 Subtotal commercial and industrial 502 533 0 Commercial real estate Construction 671 671 0 Agriculture 348 456 0 Commercial real estate other 12,483 12,766 0 Subtotal commercial real estate 13,502 13,893 0 Residential real estate Home equity 380 2,459 0 Mortgages 716 8,719 0 Subtotal residential real estate 1,096 11,178 0 Consumer and other Indirect 1 246 0 Consumer and other 0 183 0 Subtotal consumer and other 1 429 0 Total loans and leases $ 15,101 $ 26,033 $ 0 December 31, 2020 (In thousands) Nonaccrual Loans and Leases with no ACL 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

Allowance for Credit Losses	12 Months Ended
	Dec. 31, 2021
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 rates 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, 2021, 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 cancellable, through a charge to credit loss expense for off-balance sheet credit exposures included in provision expense in the Company's consolidated statements of income. Changes in the allowance for credit losses for the years ended December 31, 2021, 2020 and 2019 are summarized as follows: Allowance for Credit Losses - Loans and Leases (In thousands) 2021 2020 2019 Total allowance at beginning of year $ 51,669 $ 39,892 $ 43,410 Impact of adopting ASU 2016-13 0 (2,534) 0 (Credit) provision for credit loss expense (2,805) 16,151 1,366 Recoveries on loans and leases 1,725 631 906 Charge-offs on loans and leases (7,746) (2,471) (5,790) Total allowance at end of year $ 42,843 $ 51,669 $ 39,892 Allowance for Credit Losses - Off-Balance Sheet Credit Exposures (In thousands) 2021 2020 2019 Liabilities for off-balance sheet credit exposures at beginning of period $ 1,920 $ 476 $ 748 Impact of adopting ASU 2016-13 0 382 0 Provision (credit) for credit loss expense related to off-balance sheet credit exposures 586 1,062 (272) Liabilities for off-balance sheet credit exposures at end of period $ 2,506 $ 1,920 $ 476 The following table details activity in the allowance for credit losses for loans for the years ended December 31, 2021 and 2020. 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. 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, 2021 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 9,239 $ 30,546 $ 10,257 $ 1,562 $ 65 $ 51,669 Charge-offs (274) (6,957) (77) (438) 0 (7,746) Recoveries 118 1,175 236 196 0 1,725 (Credit) provision for credit loss expense (2,748) 49 (277) 172 (1) (2,805) Ending Balance $ 6,335 $ 24,813 $ 10,139 $ 1,492 $ 64 $ 42,843 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 (Credit) provision 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 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: December 31, 2021 (In thousands) Real Estate Business Assets Other Total ACL Allocation Commercial and Industrial $ 142 $ 395 $ 328 $ 865 $ 26 Commercial Real Estate 13,334 0 1,931 15,265 40 Residential Real Estate 32 0 0 32 1 Total $ 13,508 $ 395 $ 2,259 $ 16,162 $ 67 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 2021 and 2020 as troubled debt restructurings. Post-modification balances reflect paydowns and charge-offs at time of modification. Troubled Debt Restructuring December 31, 2021 Year Ended Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Residential real estate Home equity 1 2 219 219 1 201 Total 2 $ 219 $ 219 1 $ 201 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the 12 months ended December 31, 2021, that had been restructured in the prior twelve months. 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 1 2 274 274 1 37 Home equity 1 1 43 43 1 87 Consumer and other Consumer and other 1 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. The Company's TDRs added during 2021 totaled $219,000, compared to $345,000 in 2020. At December 31, 2021, 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 and the interagency guidance issued by Federal banking regulators provided clarification related to modifications and deferral programs to assist borrowers who are negatively impacted by the COVID-19 national emergency. The guidance and clarifications detail certain provisions whereby banks are permitted to make deferrals and modifications to the terms of a loan which would not require the loan to be reported as a troubled debt restructuring ("TDR"). In accordance with the CARES Act. Appropriations Act, and the interagency guidance, the Company elected to adopt the provisions to not report qualified loan modifications as TDRs during 2020 and 2021. The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 2021. (In thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Commercial and Industrial - Other: Pass $ 123,996 $ 58,432 $ 54,116 $ 42,093 $ 35,725 $ 239,093 $ 125,476 $ 10,039 $ 688,970 Special Mention 156 770 450 100 201 393 1,417 0 3,487 Substandard 179 584 47 575 0 637 4,642 0 6,664 Total Commercial and Industrial - Other $ 124,331 $ 59,786 $ 54,613 $ 42,768 $ 35,926 $ 240,123 $ 131,535 $ 10,039 $ 699,121 Commercial and Industrial - PPP: Pass $ 71,260 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 71,260 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 $ 71,260 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 71,260 Commercial and Industrial - Agriculture: Pass $ 8,573 $ 6,782 $ 5,700 $ 10,136 $ 6,867 $ 3,186 $ 53,145 $ 595 $ 94,984 Special Mention 0 0 0 23 0 0 0 0 23 Substandard 0 85 11 0 93 2,316 1,660 0 4,165 Total Commercial and Industrial - Agriculture $ 8,573 $ 6,867 $ 5,711 $ 10,159 $ 6,960 $ 5,502 $ 54,805 $ 595 $ 99,172 Commercial Real Estate Pass $ 325,874 $ 271,680 $ 249,266 $ 201,992 $ 212,991 $ 810,713 $ 44,264 $ 43,225 $ 2,160,005 Special Mention 0 1,763 11,772 3,217 2,167 61,723 358 0 81,000 Substandard 3,482 0 2,262 2,518 8,509 20,401 422 0 37,594 Total Commercial Real Estate $ 329,356 $ 273,443 $ 263,300 $ 207,727 $ 223,667 $ 892,837 $ 45,044 $ 43,225 $ 2,278,599 Commercial Real Estate - Agriculture: Pass $ 23,151 $ 21,856 $ 28,943 $ 41,064 $ 23,195 $ 50,809 $ 1,949 $ 2,850 $ 193,817 Special Mention 0 479 0 0 0 350 35 0 864 Substandard 0 0 0 39 0 1,253 0 0 1,292 Total Commercial Real Estate - Agriculture $ 23,151 $ 22,335 $ 28,943 $ 41,103 $ 23,195 $ 52,412 $ 1,984 $ 2,850 $ 195,973 Commercial Real Estate - Construction Pass $ 12,840 $ 10,025 $ 16,325 $ 7,542 $ 1,274 $ 6,559 $ 112,537 $ 10,037 $ 177,139 Special Mention 0 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 643 800 0 1,443 Total Commercial Real Estate - Construction $ 12,840 $ 10,025 $ 16,325 $ 7,542 $ 1,274 $ 7,202 $ 113,337 $ 10,037 $ 178,582 The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 2021, continued. (In thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Residential - Home Equity Performing $ 2,033 $ 1,142 $ 3,041 $ 1,600 $ 1,572 $ 3,144 $ 161,630 $ 6,050 $ 180,212 Nonperforming 0 0 16 0 0 604 1,839 0 2,459 Total Residential - Home Equity $ 2,033 $ 1,142 $ 3,057 $ 1,600 $ 1,572 $ 3,748 $ 163,469 $ 6,050 $ 182,671 Residential - Mortgages Performing $ 324,967 $ 282,202 $ 162,574 $ 97,778 $ 124,221 $ 275,133 $ 14,112 $ 1,205 $ 1,282,192 Nonperforming 0 0 241 702 693 7,060 23 0 8,719 Total Residential - Mortgages $ 324,967 $ 282,202 $ 162,815 $ 98,480 $ 124,914 $ 282,193 $ 14,135 $ 1,205 $ 1,290,911 Consumer - Direct Performing $ 20,653 $ 10,735 $ 9,397 $ 5,542 $ 4,849 $ 10,602 $ 5,435 $ 0 $ 67,213 Nonperforming 0 9 44 117 12 0 1 $ 0 183 Total Consumer - Direct $ 20,653 $ 10,744 $ 9,441 $ 5,659 $ 4,861 $ 10,602 $ 5,436 $ 0 $ 67,396 Consumer - Indirect Performing $ 1,809 $ 854 $ 812 $ 506 $ 362 $ 66 $ 0 $ 0 $ 4,409 Nonperforming 0 2 148 81 1 14 0 0 246 Total Consumer - Indirect $ 1,809 $ 856 $ 960 $ 587 $ 363 $ 80 $ 0 $ 0 $ 4,655 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, 2020. (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Commercial and 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

Goodwill and Other Intangible A

Goodwill and Other Intangible Assets	12 Months Ended
	Dec. 31, 2021
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, 2020 $ 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 Acquisitions 0 0 0 0 Balance at December 31, 2021 $ 64,369 $ 19,867 $ 8,211 $ 92,447 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, 2021, there was no impairment of its goodwill or intangible assets. Other Intangible Assets The following table provides information regarding the Company's amortizing intangible assets: December 31, 2021 Gross Carrying Amount Accumulated Amortization Net Carrying Amount (In thousands) Amortized intangible assets: Core deposit intangible $ 18,774 $ 18,269 $ 505 Customer relationships 9,048 7,282 1,766 Other intangibles 6,821 5,449 1,372 Total intangible assets $ 34,643 $ 31,000 $ 3,643 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 Amortization expense related to intangible assets totaled $1.3 million in 2021, $1.5 million in 2020 and $1.7 million in 2019. The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2021 is as follows: Estimated amortization expense: 1 (In thousands) 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 For the year ended December 31, 2026 225 1 Excludes the amortization of mortgage servicing rights. Amortization of mortgage servicing rights was $182,000 in 2021, $221,000 in 2020 and $117,000 in 2019.

Premises and Equipment

Premises and Equipment	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Premises and Equipment	Premises and Equipment Premises and equipment at December 31 were as follows: (In thousands) 2021 2020 Land $ 9,195 $ 9,195 Premises and equipment 105,164 104,027 Furniture, fixtures, and equipment 83,803 80,520 Accumulated depreciation and amortization (112,746) (105,033) Total $ 85,416 $ 88,709 Depreciation and amortization expenses in 2021, 2020 and 2019 are included in operating expenses as follows: (In thousands) 2021 2020 2019 Premises $ 2,599 $ 2,608 $ 2,809 Furniture, fixtures, and equipment 5,367 5,225 4,906 Total $ 7,966 $ 7,833 $ 7,715

Deposits

Deposits	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Deposits	Deposits Aggregate time deposits of $250,000 or more were $167.9 million at December 31, 2021, and $229.7 million at December 31, 2020. Scheduled maturities of time deposits at December 31, 2021, were as follows: (In thousands) Less than $250,000 $250,000 and over Total Maturity Three months or less $ 128,186 $ 53,403 $ 181,589 Over three through six months 88,224 33,990 122,214 Over six through twelve months 149,328 54,175 203,503 Total due in 2022 $ 365,738 $ 141,568 $ 507,306 2023 63,879 13,466 77,345 2024 24,318 3,782 28,100 2025 10,129 7,136 17,265 2026 7,559 1,974 9,533 Thereafter 125 0 125 Total $ 471,748 $ 167,926 $ 639,674

Securities Sold Under Agreement

Securities Sold Under Agreements to Repurchase and Federal Funds Purchased	12 Months Ended
	Dec. 31, 2021
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 (In thousands) 2021 2020 2019 Total outstanding at December 31 $ 66,787 $ 65,845 $ 60,346 Maximum month-end balance 78,420 72,883 71,875 Average balance during the year 58,627 55,973 59,742 Weighted average rate at December 31 0.10 % 0.11 % 0.22 % Average interest rate paid during the year 0.11 % 0.17 % 0.24 % Federal Funds Purchased Average balance during the year 0 0 82 Weighted average rate at December 31 N/A N/A N/A Average interest rate paid during the year 0.00 % 0.00 % 2.86 % 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 $66.8 million at December 31, 2021. The Company had no outstanding wholesale repurchase agreements at December 31, 2021. 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, 2021
Debt Disclosure [Abstract]
Other Borrowings	Other Borrowings The following table summarized the Company’s borrowings as of December 31: (In thousands) 2021 2020 Overnight FHLB advances $ 14,000 $ 0 Term FHLB advances 110,000 265,000 Total other borrowings $ 124,000 $ 265,000 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, 2021 and 2020. There were no outstanding advances against those lines at December 31, 2021 and December 31, 2020. 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 $2.3 billion at December 31, 2021 and $2.1 billion at December 31, 2020. 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, 2021, total unencumbered residential and commercial real estate related loans and investment securities pledged at the FHLB were $1.6 billion. At December 31, 2021, there were $14.0 million in overnight advances and $110.0 million in term advances with the FHLB, with a weighted average rate of 1.80%, compared to no overnight advances and $265.0 million in term advances with a weighted average rate of 2.09%, at December 31, 2020. At December 31, 2021, the term advances with the FHLB includes $10.0 million which matures within one year and $100.0 million which matures in over one year. Maturities of advances due in over one year include $60.0 million in 2023 and $40.0 million in 2024. The Company had no callable FHLB borrowings at December 31, 2021. The Company has a $25.0 million line of credit with a bank. As of December 31, 2021 and December 31, 2020, there was no outstanding balance outstanding on the line. The line matures in June 2023.

Trust Preferred Debentures

Trust Preferred Debentures	12 Months Ended
	Dec. 31, 2021
Trust Preferred Debentures
Trust Preferred Debentures	Trust Preferred DebenturesDuring the second quarter of 2021, the Company exercised its right to redeem all of the trust preferred of Madison Statutory Trust I, with a par amount of $5.0 million. The redemption price was equal to 100% of the principal amount plus accrued and unpaid interest up to June 26, 2021. During the third quarter of 2021, the Company exercised its right to redeem all of the trust preferred of Leesport Capital Trust II, with a par amount of $10.0 million. The redemption price was equal to 100% of the principal amount plus accrued and unpaid interest up to August 7, 2021. The Company recognized accelerated non-cash purchase accounting discounts of $1.9 million in interest expense related to the redemptions. As of December 31, 2021, the Company had no trust preferred debentures. At December 31, 2020, the Company had two unconsolidated subsidiary trusts (the "Trusts"): Leesport Capital Trust II, with a par value of $10.0 million and a maturity date of September 2032 and Madison Statutory Trust I, with a par value of $5.0 million and a maturity date of June 2033. The two Trusts were acquired in the acquisition of VIST Financial. The Company owned 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.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2021
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. 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 2021, $4.4 million in 2020, and $4.0 million in 2019. 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 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, 2021 and 2020 (the measurement dates of the plans). DB Pension Plan Life and Healthcare Plan SERP Plan (In thousands) 2021 2020 2021 2020 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 98,021 $ 90,346 $ 10,508 $ 9,022 $ 36,710 $ 32,153 Service cost 0 0 186 173 231 214 Interest cost 1,628 2,371 180 245 692 914 Plan participants’ contributions 0 0 108 90 0 0 Actuarial (gain) loss (2,834) 10,046 (574) 1,340 (3,002) 4,070 Benefits paid (3,806) (4,742) (353) (362) (598) (641) Benefit obligation at end of year $ 93,009 $ 98,021 $ 10,055 $ 10,508 $ 34,033 $ 36,710 Change in plan assets: Fair value of plan assets at beginning of year $ 89,172 $ 82,352 $ 0 $ 0 $ 0 $ 0 Actual return on plan assets 11,027 11,562 0 0 0 0 Plan participants’ contributions 0 0 108 90 0 0 Employer contributions 0 0 245 272 598 641 Benefits paid (3,806) (4,742) (353) (362) (598) (641) Fair value of plan assets at end of year $ 96,393 $ 89,172 $ 0 $ 0 $ 0 $ 0 Funded (unfunded) status $ 3,384 $ (8,849) $ (10,055) $ (10,508) $ (34,033) $ (36,710) The accumulated benefit obligation for the DB Pension Plan at December 31, 2021 and 2020, was $93.0 million and $98.0 million, respectively. The accumulated benefit obligation for the Life and Healthcare Plan at year end 2021 and 2020 was $10.1 million and $10.5 million, respectively. The accumulated benefit obligation for the SERPs at December 31, 2021 and 2020 was $34.0 million and $36.7 million, respectively. The funded status of the DB Pension Plan was recognized in other assets and the unfunded status of the Life and Healthcare Plan, and SERPs was recognized in other liabilities in the Consolidated Statement of Condition at December 31, 2021 in the amounts of $3.4 million, $10.1 million, and $34.0 million, respectively. The unfunded status of the DB Pension Plan, the Life and Healthcare Plan, and SERPs in the amount of $8.8 million, $10.5 million, and $36.7 million, respectively, was recognized in other liabilities in the Consolidated Statement of Condition at December 31, 2020. The actuarial (gains) losses shown above totaling $(6.4) million in 2021 and $15.5 million in 2020 were mainly the result of changes in the discount rates used to measure the benefit obligation of all plans at year end compared to those used at the prior year-end. The specific discount rates for each plan at December 31, 2021 and December 31, 2020 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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Service cost $ 0 $ 0 $ 0 $ 186 $ 173 $ 159 $ 231 $ 214 $ 157 Interest cost 1,628 2,371 2,936 180 245 289 692 914 909 Expected return on plan assets (5,652) (5,416) (4,933) 0 0 0 0 0 0 Amortization of prior service (credit) cost 1 (10) (10) (61) (61) (62) 282 285 104 Recognized net actuarial loss 1,559 1,411 1,334 312 155 0 1,080 800 343 Recognized net actuarial gain due to curtailments 0 0 0 0 0 (399) 0 0 0 Net periodic benefit (credit) cost $ (2,464) $ (1,644) $ (673) $ 617 $ 512 $ (13) $ 2,285 $ 2,213 $ 1,513 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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Net actuarial loss (gain) $ (8,209) $ 3,899 $ 2,776 $ (574) $ 1,340 $ 1,218 $ (3,002) $ 4,070 $ 6,128 Recognized actuarial loss (1,559) (1,411) (1,334) (312) (155) 0 (1,080) (800) (343) Prior service credit 0 0 0 0 0 (203) 0 0 2,022 Recognized prior service cost (credit) (1) 10 10 61 61 62 (282) (285) (104) Prior service cost (credit) recognized due to curtailment 0 0 0 0 0 399 0 0 0 Recognized in other comprehensive income (loss) $ (9,769) $ 2,498 $ 1,452 $ (825) $ 1,246 $ 1,476 $ (4,364) $ 2,985 $ 7,703 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ (12,233) $ 854 $ 779 $ (208) $ 1,758 $ 1,463 $ (2,079) $ 5,198 $ 9,216 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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Net actuarial loss (gain) $ 40,765 $ 50,533 $ 48,045 $ 1,886 $ 2,771 $ 1,586 $ 10,532 $ 14,614 $ 11,345 Prior service cost (credit) 0 1 (9) (226) (287) (348) 1,866 2,148 2,433 Total $ 40,765 $ 50,534 $ 48,036 $ 1,660 $ 2,484 $ 1,238 $ 12,398 $ 16,762 $ 13,778 Weighted-average assumptions used in accounting for the plans were as follows: (In thousands) DB Pension Plan Life and Healthcare Plan SERP Plan 2021 2020 2019 2021 2020 2019 2021 2020 2019 Discount Rates Benefit Cost for Plan Year 2.24 % 3.04 % 4.08 % 2.33 % 3.10 % 4.13 % 2.37 % 3.14 % 4.16 % Benefit Obligation at End of Plan Year 2.63 % 2.24 % 3.04 % 2.69 % 2.33 % 3.10 % 2.71 % 2.37 % 3.14 % Expected long-term return on plan assets 6.50 % 6.75 % 7.00 % 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 % 4.00 % 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 6.50% 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, 2021, and December 31, 2020, were determined by matching estimated benefit cash flows to a yield curve derived from Citigroup’s regular bond yield at December 31, 2021 and December 31, 2020. 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, 2021 to the PRI-2012 Mortality Tables with Mortality Improvement Scale MP 2021. The Company updated this assumption based on the newest improvement table released by The Society of Actuaries as of December 31, 2021. 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, 2021, 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 2022 $ 4,285 $ 485 $ 808 2023 4,432 472 900 2024 4,511 479 873 2025 4,687 474 856 2026 4,769 469 1,001 2027-2031 24,221 2,357 6,998 Total $ 46,905 $ 4,736 $ 11,436 Plan Assets The Company’s DB Pension Plan’s weighted-average asset allocations at December 31, 2021 and 2020, respectively, by asset category are as follows: 2021 2020 Equity securities 61 % 63 % Debt securities 33 % 36 % Other 6 % 1 % 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, 2021 (In thousands) Fair Value 2021 (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 5,472 $ 5,472 $ 0 $ 0 Common stocks 29,227 29,227 0 0 Mutual funds 61,694 61,694 0 0 Total Fair Value of Plan Assets $ 96,393 $ 96,393 $ 0 $ 0 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 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 $5.4 million in 2021, $4.5 million in 2020, and $4.4 million in 2019. 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 ISOP is contingent upon certain age and service requirements. The Company’s expense associated with these matching provisions was $3.0 million in 2021, $2.9 million in 2020, and $2.9 million in 2019. 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 $86.5 million at December 31, 2021, and $84.7 million at December 31, 2020. 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 $1.5 million and $1.7 million is recorded in other liabilities in the Consolidated Statements of Condition at December 31, 2021 and 2020, respectively. Compensation expense related to the split dollar life insurance was approximately $52,000 in 2021 and $55,000 in 2020.

Stock Plans and Stock Based Com

Stock Plans and Stock Based Compensation	12 Months Ended
	Dec. 31, 2021
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 The Company granted 67,846 equity awards to its employees in 2021, consisting of 54,151 shares of restricted stock, 5,340 performance share awards and 8,355 restricted stock units. 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 following table presents the activity related to stock options and SARs under all plans for the year ended December 31, 2021. Number of Shares/Rights Weighted Average Exercise Price Weighted Average Remaining Contractual Term Aggregate Intrinsic Value Outstanding at January 1, 2021 144,387 $ 50.61 Granted 0 0.00 Exercised (51,771) 44.42 Forfeited (1,136) 46.28 Outstanding at December 31, 2021 91,480 $ 54.17 3.10 $ 2,690,855 Exercisable at December 31, 2021 85,821 $ 54.03 3.05 $ 2,536,421 Total stock-based compensation expense for stock options and SARs was $151,000 in 2021, $194,000 in 2020, and $235,000 in 2019. As of December 31, 2021, unrecognized compensation cost related to unvested stock options and SARs totaled $40,000. The cost is expected to be recognized over a weighted average period of 0.8 years. Net cash proceeds, tax benefits and intrinsic value related to total stock options, SARs, and restricted stock exercised is as follows: (In thousands) 2021 2020 2019 Proceeds from stock option exercises $ (803) $ (253) $ (992) Tax benefits related to stock option exercises 355 156 944 Intrinsic value of stock option exercises 1,900 570 2,460 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 2021, 2020 and 2019. December 31, 2021 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 $37.51-41.00 17,034 1.27 $ 40.60 17,034 $ 40.60 $41.01-50.00 33,763 2.79 $ 49.22 33,763 $ 49.22 $50.01-76.90 40,461 4.11 $ 63.84 34,802 $ 65.07 $76.91-86.18 222 4.89 $ 86.18 222 $ 86.18 91,480 3.10 $ 54.17 85,821 $ 54.03 The following table presents activity related to restricted stock awards and restricted stock units for the year ended December 31, 2021. Number of Shares Weighted Average Grant Date Fair Value Unvested at January 1, 2021 254,989 $ 70.55 Granted 67,846 83.97 Vested (71,907) 72.67 Forfeited (9,018) 70.10 Unvested at December 31, 2021 241,910 $ 71.60 The Company granted 54,151 restricted stock awards, 8,355 restricted stock units and 5,340 performance share awards in 2021, each at an average grant date fair value of $83.97. 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 at an average grant date fair value of $89.21. 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 $5.4 million in 2021, $4.7 million in 2020, and $4.0 million in 2019. Unrecognized compensation costs related to restricted stock and performance awards totaled $11.5 million, and restricted stock units totaled $1.4 million at December 31, 2021 and will be recognized over 3.5 years and 4.1 years, respectively on a weighted average basis.

Other Noninterest Income and Ex

Other Noninterest Income and Expense	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 2019 NONINTEREST INCOME Other service charges $ 2,826 $ 2,835 $ 3,166 Increase in cash surrender value of corporate owned life insurance 1,879 2,188 2,164 Net gain on sale of loans 943 2,054 227 Other miscellaneous income 1,555 1,740 2,859 Total other noninterest income $ 7,203 $ 8,817 $ 8,416 NONINTEREST EXPENSES Marketing expense $ 4,319 $ 4,750 $ 4,856 Professional fees 6,909 6,054 8,942 Technology expense 11,747 11,791 10,666 Cardholder expense 3,532 3,252 3,238 FDIC insurance 2,758 2,398 773 Legal expense 1,190 1,199 1,200 Penalties on prepayment of FHLB borrowings 2,929 0 0 Other miscellaneous expenses 13,869 15,285 16,574 Total other noninterest expenses $ 47,253 $ 44,729 $ 46,249

Revenue Recognition

Revenue Recognition	12 Months Ended
	Dec. 31, 2021
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, 2021, 2020, and 2019. Year Ended (In thousands) 2021 2020 2019 Noninterest Income In-scope of Topic 606: Insurance Revenues $ 34,836 $ 31,505 $ 31,091 Investment Service Income 19,388 17,520 16,434 Service Charges on Deposit Accounts 6,347 6,312 8,321 Card Services Income 10,826 9,263 10,526 Other 1,204 1,146 1,183 Noninterest Income (in-scope of ASC 606) 72,601 65,746 67,555 Noninterest Income (out-of-scope of ASC 606) 6,248 8,114 7,878 Total Noninterest Income $ 78,849 $ 73,860 $ 75,433 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 $6.0 million and $2.3 million, respectively, at December 31, 2021, compared to $5.2 million and $2.2 million, respectively, at December 31, 2020. Additionally, the Company had contract assets related to contingent income of $3.0 million, and $2.5 million, respectively, related to period end 2021, and 2020, and contract liabilities of $1.7 million for year end 2021 and $2.0 million for year end 2020. 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, 2021
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 2021 Federal $ 19,345 $ 1,485 $ 20,830 State 4,039 313 4,352 Total $ 23,384 $ 1,798 $ 25,182 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 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: 2021 2020 2019 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % State income taxes, net of federal benefit 3.0 2.4 2.5 Tax exempt income (1.2) (1.8) (1.5) Excess benefits from equity-based compensation (0.5) (0.2) (0.8) Bank-owned life insurance income (0.4) (0.5) (0.5) Federal tax credit 0.0 (0.4) (0.7) All other 0.1 (0.1) 0.5 Total 22.0 % 20.4 % 20.5 % 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) 2021 2020 Deferred tax assets: Allowance for credit losses $ 11,160 $ 13,095 Lease liability 7,277 7,858 Interest income on nonperforming loans 470 500 Compensation and benefits 12,303 11,580 Purchase accounting adjustments 360 0 Liabilities held at fair value 21 20 Deferred loan fees and costs 1,664 1,783 Other 1,017 1,097 Total $ 34,272 $ 35,933 Deferred tax liabilities: Prepaid pension 10,875 10,254 Right of use asset 7,092 7,270 Depreciation 3,586 3,735 Intangibles 1,401 1,266 Purchase accounting adjustments 0 5 Leases 1,985 2,425 Other 1,657 1,504 Total deferred tax liabilities $ 26,596 $ 26,459 Net deferred tax asset at year-end 7,676 9,474 Net deferred tax asset at beginning of year 9,474 3,776 (Decrease) increase in net deferred tax asset (1,798) 5,698 CECL accounting standard adoption recorded through equity 0 586 Deferred tax expense $ 1,798 $ (6,284) The above analysis does not include recorded deferred tax assets (liabilities) of $4.7 million and $(6.7) million as of December 31, 2021 and 2020, respectively, related to net unrealized holdings losses/(gains) in the available-for-sale debt securities portfolio. In addition, the analysis excludes recorded deferred tax assets of $13.4 million and $17.1 million, as of December 31, 2021 and 2020, 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, 2021 and 2020. At December 31, 2021 the Company had an insignificant amount of ASC 740-10 unrecognized tax benefits. At December 31, 2020, 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, 2017 are open to examination by the taxing authorities.

Other Comprehensive Income (Los

Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2021
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, 2021 Before-Tax Amount Tax (Expense) Benefit Net of Tax (In thousands) Available-for-sale debt securities: Change in net unrealized (loss) gain during the period $ (46,301) $ 11,340 $ (34,961) Reclassification adjustment for net realized gain on sale included in available-for-sale debt securities (275) 67 (208) Net unrealized losses (46,576) 11,407 (35,169) Employee benefit plans: Net retirement plan gain ( loss) 11,785 (2,887) 8,898 Amortization of net retirement plan actuarial gain 2,951 (723) 2,228 Amortization of net retirement plan prior service (cost) credit 221 (54) 167 Employee benefit plans 14,957 (3,664) 11,293 Other comprehensive loss $ (31,619) $ 7,743 $ (23,876) December 31, 2020 Before-Tax Amount Tax (Expense) Benefit Net of Tax (In thousands) Available-for-sale debt securities: Change in net unrealized gain during the period $ 22,381 $ (5,487) $ 16,894 Reclassification adjustment for net realized loss on sale included in available-for-sale debt 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 (In thousands) Available-for-sale debt securities: Change in net unrealized loss during the period $ 33,431 $ (8,190) $ 25,241 Unrealized gains on HTM securities transferred to AFS debt securities 3,777 (925) 2,852 Reclassification adjustment for net realized loss on sale included in available-for-sale debt 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 The following table presents the activity in our accumulated other comprehensive loss for the periods indicated: (In thousands) Available-for-Sale Debt Employee Benefit Accumulated Other 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) Balance at January 1, 2021 20,609 (52,683) (32,074) Other comprehensive income (loss) (35,169) 11,293 (23,876) Balance at December 31, 2021 $ (14,560) $ (41,390) $ (55,950) December 31, 2021 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 debt securities: Unrealized gains and losses on available-for-sale debt securities $ 275 Net gain on securities transactions (67) Tax expense 208 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial gain (2,951) Other operating expense Net retirement plan prior service credit (221) Other operating expense (3,172) Total before tax 777 Tax benefit $ (2,395) Net of tax 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 debt securities: Unrealized gains and losses on available-for-sale debt securities $ 430 Net gain on securities transactions (106) Tax benefit 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 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, 2021
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) 2021 2020 Loan commitments $ 176,510 $ 144,593 Standby letters of credit 39,773 31,441 Undisbursed portion of lines of credit 911,694 830,930 Total $ 1,127,977 $ 1,006,964 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, 2021, the Company’s maximum potential obligation under standby letters of credit was $39.8 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. The Company may also have 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). The amount of rate lock agreements at December 31, 2021 were immaterial. 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, 2021, the Company had approximately $205,000 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, 2021
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) 2021 2020 2019 Basic Net income available to common shareholders $ 89,264 $ 77,588 $ 81,718 Less: income attributable to unvested stock-based compensation awards (615) (857) (1,306) Net earnings allocated to common shareholders 88,649 76,731 80,412 Weighted average shares outstanding, including unvested stock-based compensation awards 14,798,447 14,933,990 15,149,535 Less: average unvested stock-based compensation awards (229,684) (230,600) (242,478) Weighted average shares outstanding - Basic 14,568,763 14,703,390 14,907,057 Diluted Net earnings allocated to common shareholders 88,649 76,731 80,412 Weighted average shares outstanding - Basic 14,568,763 14,703,390 14,907,057 Plus: incremental shares from assumed conversion of stock-based compensation awards 79,404 38,650 66,894 Weighted average shares outstanding - Diluted 14,648,167 14,742,040 14,973,951 Basic EPS $ 6.08 $ 5.22 $ 5.39 Diluted EPS $ 6.05 $ 5.20 $ 5.37

Fair Value Measurements

Fair Value Measurements	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value. Recurring Fair Value Measurements December 31, 2021 (In thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt securities U.S. Treasuries $ 157,834 $ 0 $ 157,834 $ 0 Obligations of U.S. Government sponsored entities 832,373 $ 0 832,373 $ 0 Obligations of U.S. states and political subdivisions 104,169 0 104,169 0 Mortgage-backed securities - residential, issued by U.S. Government agencies 77,157 0 77,157 0 U.S. Government sponsored entities 870,556 0 870,556 0 U.S. corporate debt securities 2,424 0 2,424 0 Total Available-for-sale debt securities $ 2,044,513 $ 0 $ 2,044,513 $ 0 Equity securities $ 902 $ 0 $ 0 $ 902 The change in the fair value of the $902,000 of equity securities valued using significant unobservable inputs (level 3), between January 1, 2021 and December 31, 2021 was immaterial. Recurring Fair Value Measurements December 31, 2020 (In thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt 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 debt securities $ 1,627,193 $ 0 $ 1,627,193 $ 0 Equity securities $ 929 $ 0 $ 0 $ 929 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 debt 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. Quarterly, 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 2021, certain collateral dependent individually evaluated loans and other real estate owned at December 31, 2021, were adjusted down to fair value. Collateral values are estimated using Level 3 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: 12/31/2021 (Level 1) (Level 2) (Level 3) 12/31/2021 Individually evaluated loans $ 5,456 $ 0 $ 5,456 $ (7,107) Other real estate owned 46 0 0 46 (8) (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) The following table presents the carrying amounts and estimated fair values of the Company’s financial instruments at December 31, 2021 and 2020. 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, 2021 (In thousands) Carrying Amount Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 63,107 $ 63,107 $ 63,107 $ 0 $ 0 Securities - held-to-maturity 284,009 282,288 0 282,288 0 FHLB and ACBB stock 10,996 10,996 0 10,996 0 Accrued interest receivable 22,597 22,597 0 22,597 0 Loans and leases, net 1 5,032,624 5,028,734 0 0 5,028,734 Financial Liabilities: Time deposits $ 639,674 $ 641,517 $ 0 $ 641,517 $ 0 Other deposits 6,151,761 6,151,761 0 6,151,761 0 Securities sold under agreements to repurchase 66,787 66,787 0 66,787 0 Other borrowings 124,000 125,700 0 125,700 0 Accrued interest payable 901 901 0 901 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, 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 ACBB 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. 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 and leases held for sale were determined based upon contractual prices for loans and leases 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, 2021
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, 2021, the most recent notifications from Federal bank regulatory agencies categorized the Company's subsidiary banks 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, 2021 and December 31, 2020 for Tompkins and its four banking subsidiaries. The minimum capital amounts required under Basel III includes the capital conservation buffer of 2.5%, which must be added to each of the minimum required risk-based capital ratios (Total capital to risk-weighted assets, Common equity Tier 1 capital to risk weighted assets and Tier 1 capital to risk weighted assets). 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, 2021 Total Capital (to risk-weighted assets) The Company (consolidated) $735,187 /14.2% $524,345/>10.5% $516,519/>10.0% Trust Company $219,976/14.8% $156,631/>10.5% $149,172/>10.0% Castile $160,757/12.2% $138,104/>10.5% $131,527/>10.0% Mahopac $136,247/12.7% $112,649/>10.5% $107,285/>10.0% VIST $173,889/13.6% $134,403/>10.5% $128,003/>10.0% Common Equity Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $688,425/13.3% $361,563/>7.0% $335,737/>6.5% Trust Company $207,632/13.9% $104,421/>7.0% $96,962/>6.5% Castile $149,154/11.3% $92,069/>7.0% $85,493/>6.5% Mahopac $126,718/11.8% $75,100/>7.0% $69,735/>6.5% VIST $163,145/12.8% $89,602/>7.0% $83,202/>6.5% Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $688,425/13.3% $439,041/>8.5% $413,215/>8.0% Trust Company $207,632/13.9% $126,797/>8.5% $119,338/>8.0% Castile $149,154/11.3% $111,798/>8.5% $105,222/>8.0% Mahopac $126,718/11.8% $91,192/>8.5% $85,282/>8.0% VIST $163,145/12.8% $108,803/>8.5% $102,403/>8.0% Tier 1 Capital (to average assets) The Company (consolidated) $688,425/8.7% $315,820/>4.0% $394,775/>5.0% Trust Company $207,632/8.4% $99,000/>4.0% $123,751/>5.0% Castile $149,154/7.9% $75,935/>4.0% $94,918/>5.0% Mahopac $126,718/8.1% $62,815/>4.0% $78,519/>5.0% VIST $163,145/8.4% $77,953/>4.0% $97,441/>5.0% 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%

Condensed Parent Company Only F

Condensed Parent Company Only Financial Statements	12 Months Ended
	Dec. 31, 2021
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, 2021, 2020 and 2019 are presented below. Condensed Statements of Condition (In thousands) 2021 2020 Assets Cash $ 18,691 $ 16,588 Investment in subsidiaries 705,723 707,721 Other 4,032 5,965 Total Assets $ 728,446 $ 730,274 Liabilities and Shareholders’ Equity Borrowings $ 0 $ 0 Trust preferred debentures issued to non-consolidated subsidiary 0 13,220 Other liabilities 917 777 Tompkins Financial Corporation Shareholders’ Equity 727,529 716,277 Total Liabilities and Shareholders’ Equity $ 728,446 $ 730,274 Condensed Statements of Income (In thousands) 2021 2020 2019 Dividends received from subsidiaries $ 81,408 $ 60,818 $ 72,827 Other income 279 52 240 Total Operating Income $ 81,687 $ 60,870 $ 73,067 Interest expense 2,232 1,241 1,450 Other expenses 9,039 9,184 8,409 Total Operating Expenses $ 11,271 $ 10,425 $ 9,859 Income Before Taxes and Equity in Undistributed Earnings of Subsidiaries 70,416 50,445 63,208 Income tax benefit 2,068 2,160 2,085 Equity in undistributed earnings of subsidiaries 16,780 24,983 16,425 Net Income $ 89,264 $ 77,588 $ 81,718 Condensed Statements of Cash Flows (In thousands) 2021 2020 2019 Operating activities Net income $ 89,264 $ 77,588 $ 81,718 Adjustments to reconcile net income to net cash provided by operating activities Equity in undistributed earnings of subsidiaries (16,780) (24,983) (16,425) Other, net 4,126 (1,541) 3,209 Net Cash Provided by Operating Activities 76,610 51,064 68,502 Investing activities Other, net (76) (100) 3,265 Net Cash (Used in) Provided by Investing Activities (76) (100) 3,265 Financing activities Borrowings, net 0 (4,000) 0 Cash dividends (32,415) (31,359) (30,637) Repurchase of common shares (23,773) (9,414) (29,867) Redemption of trust preferred debentures (15,150) (4,124) 0 Net proceeds from restricted stock awards (2,292) (1,682) (1,875) Shares issued for dividend reinvestment plan 2 1,825 0 Shares issued for employee stock ownership plan 0 0 0 Net proceeds from exercise of stock options (803) (253) (992) Net Cash Used in Financing Activities (74,431) (49,007) (63,371) Net increase in cash 2,103 1,957 8,396 Cash at beginning of year 16,588 14,631 6,235 Cash at End of Year $ 18,691 $ 16,588 $ 14,631 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 for the consolidated Company.

Segment and Related Information

Segment and Related Information	12 Months Ended
	Dec. 31, 2021
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”) 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 13 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, 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, 2021 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 241,322 $ 11 $ 0 $ (15) $ 241,318 Interest expense 17,541 0 0 (15) 17,526 Net interest income 223,781 11 0 0 223,792 Credit for credit loss expense (2,219) 0 0 0 (2,219) Noninterest income 25,944 35,430 19,727 (2,252) 78,849 Noninterest expense 152,624 26,857 13,058 (2,252) 190,287 Income before income tax expense 99,320 8,584 6,669 0 114,573 Income tax expense 21,257 2,326 1,599 0 25,182 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 78,063 6,258 5,070 0 89,391 Less: Net income attributable to noncontrolling interests 127 0 0 0 127 Net Income attributable to Tompkins Financial Corporation $ 77,936 $ 6,258 $ 5,070 $ 0 $ 89,264 Depreciation and amortization $ 9,987 $ 208 $ 55 $ 0 $ 10,250 Assets 7,794,561 42,879 33,735 (51,193) 7,819,982 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 1,571 2,004 68 0 3,643 Net loans and leases 5,032,624 0 0 0 5,032,624 Deposits 6,802,852 0 0 (11,417) 6,791,435 Total equity 664,800 33,171 30,970 0 728,941 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 17,213 0 0 0 17,213 Noninterest income 26,015 31,930 18,131 (2,216) 73,860 Noninterest expense 147,680 25,941 12,915 (2,216) 184,320 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 credit loss expense 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

Unaudited Quarterly Financial D

Unaudited Quarterly Financial Data	12 Months Ended
	Dec. 31, 2021
Quarterly Financial Information Disclosure [Abstract]
Unaudited Quarterly Financial Data	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, 2021 and December 31, 2020.

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2021
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 Community Bank, and Tompkins Insurance Agencies, Inc. (“Tompkins Insurance”). Tompkins Community Bank 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. 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 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 both December 31, 2021 and December 31, 2020, the reserve requirements for the Company’s banking subsidiaries totaled $0.0.
Securities	Securities Management determines the appropriate classification of debt 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 debt 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. 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 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 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. Management measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type with each type sharing similar risk characteristics and considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts. As of December 31, 2021, the held-to-maturity portfolio consisted of U.S. Treasury securities and securities issued by U.S. government-sponsored enterprises, including the Federal National Mortgage Agency and the Federal Farm Credit Banks Funding Corporation. U.S. Treasury securities are backed by the full faith and credit of and/or guaranteed by the U.S. government, and it is expected that the securities will not be settled at prices less than the amortized cost basis of the securities. Securities issued by U.S. government agencies or U.S. government-sponsored enterprises carry the explicit and/or implicit guarantee of the U.S. government, are widely recognized as "risk-free," and have a long history of zero credit loss. 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 Account Standard Codification ("ASC") Topic 815 Derivatives and Hedging . 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 provides 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’s 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 Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, and its related amendments , 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 $400,000, 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 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, 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, 2021 and 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, generally six months, 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 Appropriations Act 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, the Appropriations 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 and Appropriations Act, then the interagency guidance if they do not qualify for the CARES Act or Appropriation 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 Under ASU 2014-09 Revenue From contracts With Customers (Topic 606) , effective January 1, 2018, the Company adopted new policies related to revenue recognition. In general, for revenue not associated with financial instruments, guarantees and lease contracts, the Company applies the following steps when recognizing revenue from contracts with customers: (i) identify the contract, (ii) identify the performance obligations, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations and (v) recognize revenue when a performance obligation is satisfied. Tompkins' contracts with customers are generally short term in nature, typically due within one year or less or cancellable by the Company or the Company's customer upon a short notice period. Performance obligations for the Company's customer contracts are generally satisfied at a single point in time, typically when the transaction is complete, or over time. For performance obligations satisfied over time, Tompkins primarily uses the output method, directly measuring the value of the products/services transferred to the customer, to determine when performance obligations have been satisfied. The Company typically receives payment from customers and recognizes revenue concurrent with the satisfaction of the Company's performance obligations. In most cases, this occurs within a single financial reporting period. For payments received in advance of the satisfaction of performance obligations, revenue recognition is deferred until such time as the performance obligations have been satisfied. In cases where the Company has not received payment despite satisfaction of the Company's performance obligations, the Company accrues an estimate of the amount due in the period the Company's performance obligations have been satisfied. For contracts with variable components, only amounts for which collection is probable are accrued. The Company generally acts in a principal capacity, on the Company's own behalf, in most of the Company's contracts with customers. In such transactions, Tompkins

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2021
Investments, Debt and Equity Securities [Abstract]
Schedule of available-for-sale securities	The following tables summarize available-for-sale debt securities held by the Company at December 31, 2021 and 2020: December 31, 2021 Available-for-Sale Debt Securities (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasuries $ 160,291 $ 85 $ 2,542 $ 157,834 Obligations of U.S. Government sponsored entities 843,218 4,527 15,372 832,373 Obligations of U.S. states and political subdivisions 102,177 2,092 100 104,169 Mortgage-backed securities – residential, issued by U.S. Government agencies 76,502 1,187 532 77,157 U.S. Government sponsored entities 879,102 5,735 14,281 870,556 U.S. corporate debt securities 2,500 0 76 2,424 Total available-for-sale debt securities $ 2,063,790 $ 13,626 $ 32,903 $ 2,044,513 December 31, 2020 Available-for-Sale Debt Securities (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value 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 debt securities $ 1,599,894 $ 30,773 $ 3,474 $ 1,627,193
Schedule of held to maturity securities	December 31, 2021 Held-to-Maturity Securities (In thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Treasuries $ 86,689 $ 279 $ 600 $ 86,368 Obligations of U.S. Government sponsored entities 197,320 389 1,789 195,920 Total held-to-maturity debt securities $ 284,009 $ 668 $ 2,389 $ 282,288 December 31, 2021 (In thousands) Amortized Cost Fair Value Held-to-maturity securities: Due after five years through ten years 284,009 282,288 Total held-to-maturity debt securities $ 284,009 $ 282,288
Schedule of sales transactions of available-for-sale securities	The following table sets forth information with regard to sales transactions of debt securities available-for-sale: Year ended December 31, (In thousands) 2021 2020 2019 Proceeds from sales $ 142,679 $ 42,333 $ 232,598 Gross realized gains 1,126 179 1,123 Gross realized losses (851) 0 (595) Net gains (losses) on sales of available-for-sale debt securities $ 275 $ 179 $ 528
Schedule of debt securities, available for sale with unrealized losses	The following table summarizes available-for-sale debt securities that had unrealized losses at December 31, 2021: December 31, 2021 Available-for-Sale Debt Securities Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasuries $ 147,810 $ 2,542 $ 0 $ 0 $ 147,810 $ 2,542 Obligations of U.S. Government sponsored entities 362,895 $ 6,694 $ 289,210 $ 8,678 $ 652,105 $ 15,372 Obligations of U.S. states and political subdivisions 9,700 85 1,283 15 10,983 100 Mortgage-backed securities – residential, issued by U.S. Government agencies 22,074 160 16,846 372 38,920 532 U.S. Government sponsored entities 553,351 11,440 84,537 2,841 637,888 14,281 U.S. corporate debt securities 0 0 2,424 76 2,424 76 Total available-for-sale debt securities $ 1,095,830 $ 20,921 $ 394,300 $ 11,982 $ 1,490,130 $ 32,903 The following table summarizes available-for-sale debt securities that had unrealized losses at December 31, 2020: December 31, 2020 Available-for-Sale Debt 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 debt securities $ 417,782 $ 3,014 $ 9,266 $ 460 $ 427,048 $ 3,474
Schedule held-to-maturity securities with unrealized losses	The following table summarizes held-to-maturity debt securities that had unrealized losses at December 31, 2021: December 31, 2021 Held-to-Maturity Securities Less than 12 Months 12 Months or Longer Total (In thousands) Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses U.S. Treasuries $ 35,280 $ 600 $ 0 $ 0 $ 35,280 $ 600 Obligations of U.S. Government sponsored entities 84,592 1,789 0 0 84,592 1,789 Total held-to-maturity securities $ 119,872 $ 2,389 $ 0 $ 0 $ 119,872 $ 2,389
Schedule of amortized cost and estimated fair value of debt securities by contractual maturity	December 31, 2021 (In thousands) Amortized Cost Fair Value Available-for-sale debt securities: Due in one year or less $ 77,159 $ 77,892 Due after one year through five years 474,537 471,776 Due after five years through ten years 501,748 492,573 Due after ten years 54,742 54,559 Total 1,108,186 1,096,800 Mortgage-backed securities 955,604 947,713 Total available-for-sale debt securities $ 2,063,790 $ 2,044,513 December 31, 2020 (In thousands) Amortized Cost Fair Value Available-for-sale debt 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

Loans and Leases (Tables)

Loans and Leases (Tables)	12 Months Ended
	Dec. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]
Schedule of loans and leases	Loans and Leases at December 31, 2021 and December 31, 2020 were as follows: December 31, (In thousands) 2021 2020 Commercial and industrial Agriculture $ 99,172 $ 94,489 Commercial and industrial other 699,121 792,987 PPP loans* 71,260 291,252 Subtotal commercial and industrial 869,553 1,178,728 Commercial real estate Construction 178,582 163,016 Agriculture 195,973 201,866 Commercial real estate other 2,278,599 2,204,310 Subtotal commercial real estate 2,653,154 2,569,192 Residential real estate Home equity 182,671 200,827 Mortgages 1,290,911 1,235,160 Subtotal residential real estate 1,473,582 1,435,987 Consumer and other Indirect 4,655 8,401 Consumer and other 67,396 61,399 Subtotal consumer and other 72,051 69,800 Leases 13,948 14,203 Total loans and leases 5,082,288 5,267,910 Less: unearned income and deferred costs and fees (6,821) (7,583) Total loans and leases, net of unearned income and deferred costs and fees $ 5,075,467 $ 5,260,327 *SBA Paycheck Protection Program ("PPP")
Schedule of loans to related parties	Loan transactions with related parties are summarized as follows: December 31, (In thousands) 2021 2020 Balance at beginning of year $ 49,080 $ 48,389 Loans to new directors/executive officers 0 5,886 New loans and advancements 7,274 3,022 Loan payments (34,451) (8,217) Balance at end of year $ 21,903 $ 49,080
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, 2021 and 2020. December 31, 2021 (In thousands) 30-59 Days 60-89 Days 90 Days or More Total Past Due Current Loans Total Loans Loans and Leases Commercial and industrial Agriculture $ 0 $ 0 $ 0 $ 0 $ 99,172 $ 99,172 Commercial and industrial other 506 6 88 600 698,521 699,121 PPP loans 0 0 0 0 71,260 71,260 Subtotal commercial and industrial 506 6 88 600 868,953 869,553 Commercial real estate Construction 0 0 0 0 178,582 178,582 Agriculture 121 0 0 121 195,852 195,973 Commercial real estate other 150 257 3,305 3,712 2,274,887 2,278,599 Subtotal commercial real estate 271 257 3,305 3,833 2,649,321 2,653,154 Residential real estate Home equity 441 417 798 1,656 181,015 182,671 Mortgages 7 839 3,917 4,763 1,286,148 1,290,911 Subtotal residential real estate 448 1,256 4,715 6,419 1,467,163 1,473,582 Consumer and other Indirect 77 86 2 165 4,490 4,655 Consumer and other 120 45 45 210 67,186 67,396 Subtotal consumer and other 197 131 47 375 71,676 72,051 Leases 0 0 0 0 13,948 13,948 Total loans and leases 1,422 1,650 8,155 11,227 5,071,061 5,082,288 Less: unearned income and deferred costs and fees 0 0 0 0 (6,821) (6,821) Total loans and leases, net of unearned income and deferred costs and fees $ 1,422 $ 1,650 $ 8,155 $ 11,227 $ 5,064,240 $ 5,075,467 *SBA Paycheck Protection Program ("PPP") December 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
Schedule of loans on nonaccrual status	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. December 31, 2021 (In thousands) Nonaccrual Loans and Leases with no ACL Nonaccrual Loans and Leases Loans and Leases Past Due Over 89 Days and Accruing Loans and Leases Commercial and industrial Commercial and industrial other $ 502 $ 533 $ 0 Subtotal commercial and industrial 502 533 0 Commercial real estate Construction 671 671 0 Agriculture 348 456 0 Commercial real estate other 12,483 12,766 0 Subtotal commercial real estate 13,502 13,893 0 Residential real estate Home equity 380 2,459 0 Mortgages 716 8,719 0 Subtotal residential real estate 1,096 11,178 0 Consumer and other Indirect 1 246 0 Consumer and other 0 183 0 Subtotal consumer and other 1 429 0 Total loans and leases $ 15,101 $ 26,033 $ 0 December 31, 2020 (In thousands) Nonaccrual Loans and Leases with no ACL 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, 2021
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, 2021, 2020 and 2019 are summarized as follows: Allowance for Credit Losses - Loans and Leases (In thousands) 2021 2020 2019 Total allowance at beginning of year $ 51,669 $ 39,892 $ 43,410 Impact of adopting ASU 2016-13 0 (2,534) 0 (Credit) provision for credit loss expense (2,805) 16,151 1,366 Recoveries on loans and leases 1,725 631 906 Charge-offs on loans and leases (7,746) (2,471) (5,790) Total allowance at end of year $ 42,843 $ 51,669 $ 39,892 Allowance for Credit Losses - Off-Balance Sheet Credit Exposures (In thousands) 2021 2020 2019 Liabilities for off-balance sheet credit exposures at beginning of period $ 1,920 $ 476 $ 748 Impact of adopting ASU 2016-13 0 382 0 Provision (credit) for credit loss expense related to off-balance sheet credit exposures 586 1,062 (272) Liabilities for off-balance sheet credit exposures at end of period $ 2,506 $ 1,920 $ 476 The following table details activity in the allowance for credit losses for loans for the years ended December 31, 2021 and 2020. 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. 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, 2021 (In thousands) Commercial Commercial Residential Consumer Finance Total Allowance for credit losses: Beginning balance $ 9,239 $ 30,546 $ 10,257 $ 1,562 $ 65 $ 51,669 Charge-offs (274) (6,957) (77) (438) 0 (7,746) Recoveries 118 1,175 236 196 0 1,725 (Credit) provision for credit loss expense (2,748) 49 (277) 172 (1) (2,805) Ending Balance $ 6,335 $ 24,813 $ 10,139 $ 1,492 $ 64 $ 42,843 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 (Credit) provision 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 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: December 31, 2021 (In thousands) Real Estate Business Assets Other Total ACL Allocation Commercial and Industrial $ 142 $ 395 $ 328 $ 865 $ 26 Commercial Real Estate 13,334 0 1,931 15,265 40 Residential Real Estate 32 0 0 32 1 Total $ 13,508 $ 395 $ 2,259 $ 16,162 $ 67
Schedule of troubled debt restructurings	The following tables present loans by class modified in 2021 and 2020 as troubled debt restructurings. Post-modification balances reflect paydowns and charge-offs at time of modification. Troubled Debt Restructuring December 31, 2021 Year Ended Defaulted TDRs 2 (In thousands) Number of Pre- Post-Modification Outstanding Recorded Investment Number of Post- Residential real estate Home equity 1 2 219 219 1 201 Total 2 $ 219 $ 219 1 $ 201 1 Represents the following concessions: extension of term and reduction of rate. 2 TDRs that defaulted during the 12 months ended December 31, 2021, that had been restructured in the prior twelve months. 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 1 2 274 274 1 37 Home equity 1 1 43 43 1 87 Consumer and other Consumer and other 1 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.
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, 2021. (In thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Commercial and Industrial - Other: Pass $ 123,996 $ 58,432 $ 54,116 $ 42,093 $ 35,725 $ 239,093 $ 125,476 $ 10,039 $ 688,970 Special Mention 156 770 450 100 201 393 1,417 0 3,487 Substandard 179 584 47 575 0 637 4,642 0 6,664 Total Commercial and Industrial - Other $ 124,331 $ 59,786 $ 54,613 $ 42,768 $ 35,926 $ 240,123 $ 131,535 $ 10,039 $ 699,121 Commercial and Industrial - PPP: Pass $ 71,260 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 71,260 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 $ 71,260 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 71,260 Commercial and Industrial - Agriculture: Pass $ 8,573 $ 6,782 $ 5,700 $ 10,136 $ 6,867 $ 3,186 $ 53,145 $ 595 $ 94,984 Special Mention 0 0 0 23 0 0 0 0 23 Substandard 0 85 11 0 93 2,316 1,660 0 4,165 Total Commercial and Industrial - Agriculture $ 8,573 $ 6,867 $ 5,711 $ 10,159 $ 6,960 $ 5,502 $ 54,805 $ 595 $ 99,172 Commercial Real Estate Pass $ 325,874 $ 271,680 $ 249,266 $ 201,992 $ 212,991 $ 810,713 $ 44,264 $ 43,225 $ 2,160,005 Special Mention 0 1,763 11,772 3,217 2,167 61,723 358 0 81,000 Substandard 3,482 0 2,262 2,518 8,509 20,401 422 0 37,594 Total Commercial Real Estate $ 329,356 $ 273,443 $ 263,300 $ 207,727 $ 223,667 $ 892,837 $ 45,044 $ 43,225 $ 2,278,599 Commercial Real Estate - Agriculture: Pass $ 23,151 $ 21,856 $ 28,943 $ 41,064 $ 23,195 $ 50,809 $ 1,949 $ 2,850 $ 193,817 Special Mention 0 479 0 0 0 350 35 0 864 Substandard 0 0 0 39 0 1,253 0 0 1,292 Total Commercial Real Estate - Agriculture $ 23,151 $ 22,335 $ 28,943 $ 41,103 $ 23,195 $ 52,412 $ 1,984 $ 2,850 $ 195,973 Commercial Real Estate - Construction Pass $ 12,840 $ 10,025 $ 16,325 $ 7,542 $ 1,274 $ 6,559 $ 112,537 $ 10,037 $ 177,139 Special Mention 0 0 0 0 0 0 0 0 0 Substandard 0 0 0 0 0 643 800 0 1,443 Total Commercial Real Estate - Construction $ 12,840 $ 10,025 $ 16,325 $ 7,542 $ 1,274 $ 7,202 $ 113,337 $ 10,037 $ 178,582 The following table presents credit quality indicators by total loans on an amortized cost basis by origination year as of December 31, 2021, continued. (In thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Residential - Home Equity Performing $ 2,033 $ 1,142 $ 3,041 $ 1,600 $ 1,572 $ 3,144 $ 161,630 $ 6,050 $ 180,212 Nonperforming 0 0 16 0 0 604 1,839 0 2,459 Total Residential - Home Equity $ 2,033 $ 1,142 $ 3,057 $ 1,600 $ 1,572 $ 3,748 $ 163,469 $ 6,050 $ 182,671 Residential - Mortgages Performing $ 324,967 $ 282,202 $ 162,574 $ 97,778 $ 124,221 $ 275,133 $ 14,112 $ 1,205 $ 1,282,192 Nonperforming 0 0 241 702 693 7,060 23 0 8,719 Total Residential - Mortgages $ 324,967 $ 282,202 $ 162,815 $ 98,480 $ 124,914 $ 282,193 $ 14,135 $ 1,205 $ 1,290,911 Consumer - Direct Performing $ 20,653 $ 10,735 $ 9,397 $ 5,542 $ 4,849 $ 10,602 $ 5,435 $ 0 $ 67,213 Nonperforming 0 9 44 117 12 0 1 $ 0 183 Total Consumer - Direct $ 20,653 $ 10,744 $ 9,441 $ 5,659 $ 4,861 $ 10,602 $ 5,436 $ 0 $ 67,396 Consumer - Indirect Performing $ 1,809 $ 854 $ 812 $ 506 $ 362 $ 66 $ 0 $ 0 $ 4,409 Nonperforming 0 2 148 81 1 14 0 0 246 Total Consumer - Indirect $ 1,809 $ 856 $ 960 $ 587 $ 363 $ 80 $ 0 $ 0 $ 4,655 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, 2020. (In thousands) 2020 2019 2018 2017 2016 Prior Revolving Loans Amortized Cost Basis Revolving Loans Converted to Term Total Loans Commercial and 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

Goodwill and Other Intangible_2

Goodwill and Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of goodwill	(In thousands) Banking Insurance Wealth Management Total Balance at January 1, 2020 $ 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 Acquisitions 0 0 0 0 Balance at December 31, 2021 $ 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, 2021 Gross Carrying Amount Accumulated Amortization Net Carrying Amount (In thousands) Amortized intangible assets: Core deposit intangible $ 18,774 $ 18,269 $ 505 Customer relationships 9,048 7,282 1,766 Other intangibles 6,821 5,449 1,372 Total intangible assets $ 34,643 $ 31,000 $ 3,643 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
Schedule of estimated amortization expense	The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2021 is as follows: Estimated amortization expense: 1 (In thousands) 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 For the year ended December 31, 2026 225 1 Excludes the amortization of mortgage servicing rights. Amortization of mortgage servicing rights was $182,000 in 2021, $221,000 in 2020 and $117,000 in 2019.

Premises and Equipment (Tables)

Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2021
Property, Plant and Equipment [Abstract]
Schedule of premise and equipment	Premises and equipment at December 31 were as follows: (In thousands) 2021 2020 Land $ 9,195 $ 9,195 Premises and equipment 105,164 104,027 Furniture, fixtures, and equipment 83,803 80,520 Accumulated depreciation and amortization (112,746) (105,033) Total $ 85,416 $ 88,709
Schedule of depreciation and amortization	Depreciation and amortization expenses in 2021, 2020 and 2019 are included in operating expenses as follows: (In thousands) 2021 2020 2019 Premises $ 2,599 $ 2,608 $ 2,809 Furniture, fixtures, and equipment 5,367 5,225 4,906 Total $ 7,966 $ 7,833 $ 7,715

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2021
Deposits [Abstract]
Schedule of maturities of time deposits	Scheduled maturities of time deposits at December 31, 2021, were as follows: (In thousands) Less than $250,000 $250,000 and over Total Maturity Three months or less $ 128,186 $ 53,403 $ 181,589 Over three through six months 88,224 33,990 122,214 Over six through twelve months 149,328 54,175 203,503 Total due in 2022 $ 365,738 $ 141,568 $ 507,306 2023 63,879 13,466 77,345 2024 24,318 3,782 28,100 2025 10,129 7,136 17,265 2026 7,559 1,974 9,533 Thereafter 125 0 125 Total $ 471,748 $ 167,926 $ 639,674

Securities Sold Under Agreeme_2

Securities Sold Under Agreements to Repurchase and Federal Funds Purchased (Tables)	12 Months Ended
	Dec. 31, 2021
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 (In thousands) 2021 2020 2019 Total outstanding at December 31 $ 66,787 $ 65,845 $ 60,346 Maximum month-end balance 78,420 72,883 71,875 Average balance during the year 58,627 55,973 59,742 Weighted average rate at December 31 0.10 % 0.11 % 0.22 % Average interest rate paid during the year 0.11 % 0.17 % 0.24 % Federal Funds Purchased Average balance during the year 0 0 82 Weighted average rate at December 31 N/A N/A N/A Average interest rate paid during the year 0.00 % 0.00 % 2.86 %

Other Borrowings (Tables)

Other Borrowings (Tables)	12 Months Ended
	Dec. 31, 2021
Debt Disclosure [Abstract]
Schedule of borrowings	The following table summarized the Company’s borrowings as of December 31: (In thousands) 2021 2020 Overnight FHLB advances $ 14,000 $ 0 Term FHLB advances 110,000 265,000 Total other borrowings $ 124,000 $ 265,000

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 (the measurement dates of the plans). DB Pension Plan Life and Healthcare Plan SERP Plan (In thousands) 2021 2020 2021 2020 2021 2020 Change in benefit obligation: Benefit obligation at beginning of year $ 98,021 $ 90,346 $ 10,508 $ 9,022 $ 36,710 $ 32,153 Service cost 0 0 186 173 231 214 Interest cost 1,628 2,371 180 245 692 914 Plan participants’ contributions 0 0 108 90 0 0 Actuarial (gain) loss (2,834) 10,046 (574) 1,340 (3,002) 4,070 Benefits paid (3,806) (4,742) (353) (362) (598) (641) Benefit obligation at end of year $ 93,009 $ 98,021 $ 10,055 $ 10,508 $ 34,033 $ 36,710 Change in plan assets: Fair value of plan assets at beginning of year $ 89,172 $ 82,352 $ 0 $ 0 $ 0 $ 0 Actual return on plan assets 11,027 11,562 0 0 0 0 Plan participants’ contributions 0 0 108 90 0 0 Employer contributions 0 0 245 272 598 641 Benefits paid (3,806) (4,742) (353) (362) (598) (641) Fair value of plan assets at end of year $ 96,393 $ 89,172 $ 0 $ 0 $ 0 $ 0 Funded (unfunded) status $ 3,384 $ (8,849) $ (10,055) $ (10,508) $ (34,033) $ (36,710)
Schedule of net periodic benefit cost and other comprehensive income (loss)	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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Service cost $ 0 $ 0 $ 0 $ 186 $ 173 $ 159 $ 231 $ 214 $ 157 Interest cost 1,628 2,371 2,936 180 245 289 692 914 909 Expected return on plan assets (5,652) (5,416) (4,933) 0 0 0 0 0 0 Amortization of prior service (credit) cost 1 (10) (10) (61) (61) (62) 282 285 104 Recognized net actuarial loss 1,559 1,411 1,334 312 155 0 1,080 800 343 Recognized net actuarial gain due to curtailments 0 0 0 0 0 (399) 0 0 0 Net periodic benefit (credit) cost $ (2,464) $ (1,644) $ (673) $ 617 $ 512 $ (13) $ 2,285 $ 2,213 $ 1,513 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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Net actuarial loss (gain) $ (8,209) $ 3,899 $ 2,776 $ (574) $ 1,340 $ 1,218 $ (3,002) $ 4,070 $ 6,128 Recognized actuarial loss (1,559) (1,411) (1,334) (312) (155) 0 (1,080) (800) (343) Prior service credit 0 0 0 0 0 (203) 0 0 2,022 Recognized prior service cost (credit) (1) 10 10 61 61 62 (282) (285) (104) Prior service cost (credit) recognized due to curtailment 0 0 0 0 0 399 0 0 0 Recognized in other comprehensive income (loss) $ (9,769) $ 2,498 $ 1,452 $ (825) $ 1,246 $ 1,476 $ (4,364) $ 2,985 $ 7,703 Total recognized in net periodic benefit cost and other comprehensive income (loss) $ (12,233) $ 854 $ 779 $ (208) $ 1,758 $ 1,463 $ (2,079) $ 5,198 $ 9,216
Schedule of pre-tax amounts recognized as a component of accumulated other comprehensive income (loss)	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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Net actuarial loss (gain) $ 40,765 $ 50,533 $ 48,045 $ 1,886 $ 2,771 $ 1,586 $ 10,532 $ 14,614 $ 11,345 Prior service cost (credit) 0 1 (9) (226) (287) (348) 1,866 2,148 2,433 Total $ 40,765 $ 50,534 $ 48,036 $ 1,660 $ 2,484 $ 1,238 $ 12,398 $ 16,762 $ 13,778
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 2021 2020 2019 2021 2020 2019 2021 2020 2019 Discount Rates Benefit Cost for Plan Year 2.24 % 3.04 % 4.08 % 2.33 % 3.10 % 4.13 % 2.37 % 3.14 % 4.16 % Benefit Obligation at End of Plan Year 2.63 % 2.24 % 3.04 % 2.69 % 2.33 % 3.10 % 2.71 % 2.37 % 3.14 % Expected long-term return on plan assets 6.50 % 6.75 % 7.00 % 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 % 4.00 % 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, 2021, 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 2022 $ 4,285 $ 485 $ 808 2023 4,432 472 900 2024 4,511 479 873 2025 4,687 474 856 2026 4,769 469 1,001 2027-2031 24,221 2,357 6,998 Total $ 46,905 $ 4,736 $ 11,436
Schedule of weighted average asset allocation of plans	The Company’s DB Pension Plan’s weighted-average asset allocations at December 31, 2021 and 2020, respectively, by asset category are as follows: 2021 2020 Equity securities 61 % 63 % Debt securities 33 % 36 % Other 6 % 1 % 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, 2021 (In thousands) Fair Value 2021 (Level 1) (Level 2) (Level 3) Cash and cash equivalents $ 5,472 $ 5,472 $ 0 $ 0 Common stocks 29,227 29,227 0 0 Mutual funds 61,694 61,694 0 0 Total Fair Value of Plan Assets $ 96,393 $ 96,393 $ 0 $ 0 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

Stock Plans and Stock Based C_2

Stock Plans and Stock Based Compensation (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021. Number of Shares/Rights Weighted Average Exercise Price Weighted Average Remaining Contractual Term Aggregate Intrinsic Value Outstanding at January 1, 2021 144,387 $ 50.61 Granted 0 0.00 Exercised (51,771) 44.42 Forfeited (1,136) 46.28 Outstanding at December 31, 2021 91,480 $ 54.17 3.10 $ 2,690,855 Exercisable at December 31, 2021 85,821 $ 54.03 3.05 $ 2,536,421
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) 2021 2020 2019 Proceeds from stock option exercises $ (803) $ (253) $ (992) Tax benefits related to stock option exercises 355 156 944 Intrinsic value of stock option exercises 1,900 570 2,460
Schedule of options outstanding	December 31, 2021 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 $37.51-41.00 17,034 1.27 $ 40.60 17,034 $ 40.60 $41.01-50.00 33,763 2.79 $ 49.22 33,763 $ 49.22 $50.01-76.90 40,461 4.11 $ 63.84 34,802 $ 65.07 $76.91-86.18 222 4.89 $ 86.18 222 $ 86.18 91,480 3.10 $ 54.17 85,821 $ 54.03
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, 2021. Number of Shares Weighted Average Grant Date Fair Value Unvested at January 1, 2021 254,989 $ 70.55 Granted 67,846 83.97 Vested (71,907) 72.67 Forfeited (9,018) 70.10 Unvested at December 31, 2021 241,910 $ 71.60

Other Noninterest Income and _2

Other Noninterest Income and Expense (Tables)	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 2019 NONINTEREST INCOME Other service charges $ 2,826 $ 2,835 $ 3,166 Increase in cash surrender value of corporate owned life insurance 1,879 2,188 2,164 Net gain on sale of loans 943 2,054 227 Other miscellaneous income 1,555 1,740 2,859 Total other noninterest income $ 7,203 $ 8,817 $ 8,416 NONINTEREST EXPENSES Marketing expense $ 4,319 $ 4,750 $ 4,856 Professional fees 6,909 6,054 8,942 Technology expense 11,747 11,791 10,666 Cardholder expense 3,532 3,252 3,238 FDIC insurance 2,758 2,398 773 Legal expense 1,190 1,199 1,200 Penalties on prepayment of FHLB borrowings 2,929 0 0 Other miscellaneous expenses 13,869 15,285 16,574 Total other noninterest expenses $ 47,253 $ 44,729 $ 46,249

Revenue Recognition (Tables)

Revenue Recognition (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021, 2020, and 2019. Year Ended (In thousands) 2021 2020 2019 Noninterest Income In-scope of Topic 606: Insurance Revenues $ 34,836 $ 31,505 $ 31,091 Investment Service Income 19,388 17,520 16,434 Service Charges on Deposit Accounts 6,347 6,312 8,321 Card Services Income 10,826 9,263 10,526 Other 1,204 1,146 1,183 Noninterest Income (in-scope of ASC 606) 72,601 65,746 67,555 Noninterest Income (out-of-scope of ASC 606) 6,248 8,114 7,878 Total Noninterest Income $ 78,849 $ 73,860 $ 75,433

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2021
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 2021 Federal $ 19,345 $ 1,485 $ 20,830 State 4,039 313 4,352 Total $ 23,384 $ 1,798 $ 25,182 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
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: 2021 2020 2019 Statutory federal income tax rate 21.0 % 21.0 % 21.0 % State income taxes, net of federal benefit 3.0 2.4 2.5 Tax exempt income (1.2) (1.8) (1.5) Excess benefits from equity-based compensation (0.5) (0.2) (0.8) Bank-owned life insurance income (0.4) (0.5) (0.5) Federal tax credit 0.0 (0.4) (0.7) All other 0.1 (0.1) 0.5 Total 22.0 % 20.4 % 20.5 %
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) 2021 2020 Deferred tax assets: Allowance for credit losses $ 11,160 $ 13,095 Lease liability 7,277 7,858 Interest income on nonperforming loans 470 500 Compensation and benefits 12,303 11,580 Purchase accounting adjustments 360 0 Liabilities held at fair value 21 20 Deferred loan fees and costs 1,664 1,783 Other 1,017 1,097 Total $ 34,272 $ 35,933 Deferred tax liabilities: Prepaid pension 10,875 10,254 Right of use asset 7,092 7,270 Depreciation 3,586 3,735 Intangibles 1,401 1,266 Purchase accounting adjustments 0 5 Leases 1,985 2,425 Other 1,657 1,504 Total deferred tax liabilities $ 26,596 $ 26,459 Net deferred tax asset at year-end 7,676 9,474 Net deferred tax asset at beginning of year 9,474 3,776 (Decrease) increase in net deferred tax asset (1,798) 5,698 CECL accounting standard adoption recorded through equity 0 586 Deferred tax expense $ 1,798 $ (6,284)

Other Comprehensive Income (L_2

Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 31, 2021
Stockholders' Equity Note [Abstract]
Schedule of tax effect allocated to each component of other comprehensive income (loss)	The tax effect allocated to each component of other comprehensive income (loss) were as follows: December 31, 2021 Before-Tax Amount Tax (Expense) Benefit Net of Tax (In thousands) Available-for-sale debt securities: Change in net unrealized (loss) gain during the period $ (46,301) $ 11,340 $ (34,961) Reclassification adjustment for net realized gain on sale included in available-for-sale debt securities (275) 67 (208) Net unrealized losses (46,576) 11,407 (35,169) Employee benefit plans: Net retirement plan gain ( loss) 11,785 (2,887) 8,898 Amortization of net retirement plan actuarial gain 2,951 (723) 2,228 Amortization of net retirement plan prior service (cost) credit 221 (54) 167 Employee benefit plans 14,957 (3,664) 11,293 Other comprehensive loss $ (31,619) $ 7,743 $ (23,876) December 31, 2020 Before-Tax Amount Tax (Expense) Benefit Net of Tax (In thousands) Available-for-sale debt securities: Change in net unrealized gain during the period $ 22,381 $ (5,487) $ 16,894 Reclassification adjustment for net realized loss on sale included in available-for-sale debt 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 (In thousands) Available-for-sale debt securities: Change in net unrealized loss during the period $ 33,431 $ (8,190) $ 25,241 Unrealized gains on HTM securities transferred to AFS debt securities 3,777 (925) 2,852 Reclassification adjustment for net realized loss on sale included in available-for-sale debt 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
Schedule of accumulated other comprehensive income (loss)	The following table presents the activity in our accumulated other comprehensive loss for the periods indicated: (In thousands) Available-for-Sale Debt Employee Benefit Accumulated Other 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) Balance at January 1, 2021 20,609 (52,683) (32,074) Other comprehensive income (loss) (35,169) 11,293 (23,876) Balance at December 31, 2021 $ (14,560) $ (41,390) $ (55,950) December 31, 2021 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 debt securities: Unrealized gains and losses on available-for-sale debt securities $ 275 Net gain on securities transactions (67) Tax expense 208 Net of tax Employee benefit plans: Amortization of the following 2 Net retirement plan actuarial gain (2,951) Other operating expense Net retirement plan prior service credit (221) Other operating expense (3,172) Total before tax 777 Tax benefit $ (2,395) Net of tax 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 debt securities: Unrealized gains and losses on available-for-sale debt securities $ 430 Net gain on securities transactions (106) Tax benefit 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 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, 2021
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) 2021 2020 Loan commitments $ 176,510 $ 144,593 Standby letters of credit 39,773 31,441 Undisbursed portion of lines of credit 911,694 830,930 Total $ 1,127,977 $ 1,006,964

Earnings Per Share (Tables)

Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2021
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) 2021 2020 2019 Basic Net income available to common shareholders $ 89,264 $ 77,588 $ 81,718 Less: income attributable to unvested stock-based compensation awards (615) (857) (1,306) Net earnings allocated to common shareholders 88,649 76,731 80,412 Weighted average shares outstanding, including unvested stock-based compensation awards 14,798,447 14,933,990 15,149,535 Less: average unvested stock-based compensation awards (229,684) (230,600) (242,478) Weighted average shares outstanding - Basic 14,568,763 14,703,390 14,907,057 Diluted Net earnings allocated to common shareholders 88,649 76,731 80,412 Weighted average shares outstanding - Basic 14,568,763 14,703,390 14,907,057 Plus: incremental shares from assumed conversion of stock-based compensation awards 79,404 38,650 66,894 Weighted average shares outstanding - Diluted 14,648,167 14,742,040 14,973,951 Basic EPS $ 6.08 $ 5.22 $ 5.39 Diluted EPS $ 6.05 $ 5.20 $ 5.37

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 and 2020 segregated by the level of valuation inputs within the fair value hierarchy used to measure fair value. Recurring Fair Value Measurements December 31, 2021 (In thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt securities U.S. Treasuries $ 157,834 $ 0 $ 157,834 $ 0 Obligations of U.S. Government sponsored entities 832,373 $ 0 832,373 $ 0 Obligations of U.S. states and political subdivisions 104,169 0 104,169 0 Mortgage-backed securities - residential, issued by U.S. Government agencies 77,157 0 77,157 0 U.S. Government sponsored entities 870,556 0 870,556 0 U.S. corporate debt securities 2,424 0 2,424 0 Total Available-for-sale debt securities $ 2,044,513 $ 0 $ 2,044,513 $ 0 Equity securities $ 902 $ 0 $ 0 $ 902 Recurring Fair Value Measurements December 31, 2020 (In thousands) Fair Value (Level 1) (Level 2) (Level 3) Available-for-sale debt 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 debt securities $ 1,627,193 $ 0 $ 1,627,193 $ 0 Equity securities $ 929 $ 0 $ 0 $ 929
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: 12/31/2021 (Level 1) (Level 2) (Level 3) 12/31/2021 Individually evaluated loans $ 5,456 $ 0 $ 5,456 $ (7,107) Other real estate owned 46 0 0 46 (8) (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)
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, 2021 and 2020. 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, 2021 (In thousands) Carrying Amount Fair Value (Level 1) (Level 2) (Level 3) Financial Assets: Cash and cash equivalents $ 63,107 $ 63,107 $ 63,107 $ 0 $ 0 Securities - held-to-maturity 284,009 282,288 0 282,288 0 FHLB and ACBB stock 10,996 10,996 0 10,996 0 Accrued interest receivable 22,597 22,597 0 22,597 0 Loans and leases, net 1 5,032,624 5,028,734 0 0 5,028,734 Financial Liabilities: Time deposits $ 639,674 $ 641,517 $ 0 $ 641,517 $ 0 Other deposits 6,151,761 6,151,761 0 6,151,761 0 Securities sold under agreements to repurchase 66,787 66,787 0 66,787 0 Other borrowings 124,000 125,700 0 125,700 0 Accrued interest payable 901 901 0 901 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, 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 ACBB 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.

Regulations and Supervision (Ta

Regulations and Supervision (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 Total Capital (to risk-weighted assets) The Company (consolidated) $735,187 /14.2% $524,345/>10.5% $516,519/>10.0% Trust Company $219,976/14.8% $156,631/>10.5% $149,172/>10.0% Castile $160,757/12.2% $138,104/>10.5% $131,527/>10.0% Mahopac $136,247/12.7% $112,649/>10.5% $107,285/>10.0% VIST $173,889/13.6% $134,403/>10.5% $128,003/>10.0% Common Equity Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $688,425/13.3% $361,563/>7.0% $335,737/>6.5% Trust Company $207,632/13.9% $104,421/>7.0% $96,962/>6.5% Castile $149,154/11.3% $92,069/>7.0% $85,493/>6.5% Mahopac $126,718/11.8% $75,100/>7.0% $69,735/>6.5% VIST $163,145/12.8% $89,602/>7.0% $83,202/>6.5% Tier 1 Capital (to risk-weighted assets) The Company (consolidated) $688,425/13.3% $439,041/>8.5% $413,215/>8.0% Trust Company $207,632/13.9% $126,797/>8.5% $119,338/>8.0% Castile $149,154/11.3% $111,798/>8.5% $105,222/>8.0% Mahopac $126,718/11.8% $91,192/>8.5% $85,282/>8.0% VIST $163,145/12.8% $108,803/>8.5% $102,403/>8.0% Tier 1 Capital (to average assets) The Company (consolidated) $688,425/8.7% $315,820/>4.0% $394,775/>5.0% Trust Company $207,632/8.4% $99,000/>4.0% $123,751/>5.0% Castile $149,154/7.9% $75,935/>4.0% $94,918/>5.0% Mahopac $126,718/8.1% $62,815/>4.0% $78,519/>5.0% VIST $163,145/8.4% $77,953/>4.0% $97,441/>5.0% 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%

Condensed Parent Company Only_2

Condensed Parent Company Only Financial Statements (Tables)	12 Months Ended
	Dec. 31, 2021
Condensed Financial Information Disclosure [Abstract]
Schedule of condensed statements of condition	Condensed financial statements for Tompkins (the Parent Company) as of December 31, 2021, 2020 and 2019 are presented below. Condensed Statements of Condition (In thousands) 2021 2020 Assets Cash $ 18,691 $ 16,588 Investment in subsidiaries 705,723 707,721 Other 4,032 5,965 Total Assets $ 728,446 $ 730,274 Liabilities and Shareholders’ Equity Borrowings $ 0 $ 0 Trust preferred debentures issued to non-consolidated subsidiary 0 13,220 Other liabilities 917 777 Tompkins Financial Corporation Shareholders’ Equity 727,529 716,277 Total Liabilities and Shareholders’ Equity $ 728,446 $ 730,274
Schedule of condensed statements of income	Condensed Statements of Income (In thousands) 2021 2020 2019 Dividends received from subsidiaries $ 81,408 $ 60,818 $ 72,827 Other income 279 52 240 Total Operating Income $ 81,687 $ 60,870 $ 73,067 Interest expense 2,232 1,241 1,450 Other expenses 9,039 9,184 8,409 Total Operating Expenses $ 11,271 $ 10,425 $ 9,859 Income Before Taxes and Equity in Undistributed Earnings of Subsidiaries 70,416 50,445 63,208 Income tax benefit 2,068 2,160 2,085 Equity in undistributed earnings of subsidiaries 16,780 24,983 16,425 Net Income $ 89,264 $ 77,588 $ 81,718
Schedule of condensed statements of cash flows	Condensed Statements of Cash Flows (In thousands) 2021 2020 2019 Operating activities Net income $ 89,264 $ 77,588 $ 81,718 Adjustments to reconcile net income to net cash provided by operating activities Equity in undistributed earnings of subsidiaries (16,780) (24,983) (16,425) Other, net 4,126 (1,541) 3,209 Net Cash Provided by Operating Activities 76,610 51,064 68,502 Investing activities Other, net (76) (100) 3,265 Net Cash (Used in) Provided by Investing Activities (76) (100) 3,265 Financing activities Borrowings, net 0 (4,000) 0 Cash dividends (32,415) (31,359) (30,637) Repurchase of common shares (23,773) (9,414) (29,867) Redemption of trust preferred debentures (15,150) (4,124) 0 Net proceeds from restricted stock awards (2,292) (1,682) (1,875) Shares issued for dividend reinvestment plan 2 1,825 0 Shares issued for employee stock ownership plan 0 0 0 Net proceeds from exercise of stock options (803) (253) (992) Net Cash Used in Financing Activities (74,431) (49,007) (63,371) Net increase in cash 2,103 1,957 8,396 Cash at beginning of year 16,588 14,631 6,235 Cash at End of Year $ 18,691 $ 16,588 $ 14,631

Segment and Related Informati_2

Segment and Related Information (Tables)	12 Months Ended
	Dec. 31, 2021
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, 2021 (In thousands) Banking Insurance Wealth Management Intercompany Consolidated Interest income $ 241,322 $ 11 $ 0 $ (15) $ 241,318 Interest expense 17,541 0 0 (15) 17,526 Net interest income 223,781 11 0 0 223,792 Credit for credit loss expense (2,219) 0 0 0 (2,219) Noninterest income 25,944 35,430 19,727 (2,252) 78,849 Noninterest expense 152,624 26,857 13,058 (2,252) 190,287 Income before income tax expense 99,320 8,584 6,669 0 114,573 Income tax expense 21,257 2,326 1,599 0 25,182 Net Income attributable to noncontrolling interests and Tompkins Financial Corporation 78,063 6,258 5,070 0 89,391 Less: Net income attributable to noncontrolling interests 127 0 0 0 127 Net Income attributable to Tompkins Financial Corporation $ 77,936 $ 6,258 $ 5,070 $ 0 $ 89,264 Depreciation and amortization $ 9,987 $ 208 $ 55 $ 0 $ 10,250 Assets 7,794,561 42,879 33,735 (51,193) 7,819,982 Goodwill 64,370 19,866 8,211 0 92,447 Other intangibles, net 1,571 2,004 68 0 3,643 Net loans and leases 5,032,624 0 0 0 5,032,624 Deposits 6,802,852 0 0 (11,417) 6,791,435 Total equity 664,800 33,171 30,970 0 728,941 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 17,213 0 0 0 17,213 Noninterest income 26,015 31,930 18,131 (2,216) 73,860 Noninterest expense 147,680 25,941 12,915 (2,216) 184,320 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 credit loss expense 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

Summary of Significant Accoun_3

Summary of Significant Accounting Policies (Details) $ in Thousands	Jan. 01, 2020USD ($)	Dec. 31, 2021USD ($)	Dec. 31, 2021USD ($)	Dec. 31, 2021USD ($)segment	Dec. 31, 2021USD ($)subsidiaryTrust	Dec. 31, 2020USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Property, Plant and Equipment [Line Items]
Reserve requirements for banking subsidiaries		$ 0	$ 0	$ 0	$ 0	$ 0
Equity		728,941	728,941	728,941	728,941	717,689	$ 663,054	$ 620,871
Increase in the allowance for credit losses on off-balance sheet credit exposures			586			1,062	(272)
Investment in qualified affordable housing projects		$ 97	97	$ 97	$ 97	485
Number of reportable business segments				3	3
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
Minimum | Building
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		10 years
Minimum | Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		2 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
Maximum | Building
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		39 years
Maximum | Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Estimated useful (in years)		20 years
Retained Earnings
Property, Plant and Equipment [Line Items]
Equity		$ 475,262	$ 475,262	$ 475,262	$ 475,262	$ 418,413	370,477	$ 319,396
Cumulative Effect, Adjustment
Property, Plant and Equipment [Line Items]
Equity							1,707
Cumulative Effect, Adjustment | Retained Earnings
Property, Plant and Equipment [Line Items]
Equity							$ 1,707
Cumulative Effect, Adjustment | Adoption of Accounting Guidance ASU 2016-13
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	400,000
Decrease in deferred tax assets, valuation allowance	400
Cumulative Effect, Adjustment | Adoption of Accounting Guidance ASU 2016-13 | Retained Earnings
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, 2021	Dec. 31, 2020
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	$ 2,063,790	$ 1,599,894
Gross Unrealized Gains	13,626	30,773
Gross Unrealized Losses	32,903	3,474
Fair Value	2,044,513	1,627,193
U.S. Treasuries
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	160,291
Gross Unrealized Gains	85
Gross Unrealized Losses	2,542
Fair Value	157,834
Obligations of U.S. Government sponsored entities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	843,218	599,652
Gross Unrealized Gains	4,527	9,820
Gross Unrealized Losses	15,372	1,992
Fair Value	832,373	607,480
Obligations of U.S. states and political subdivisions
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	102,177	126,642
Gross Unrealized Gains	2,092	3,144
Gross Unrealized Losses	100	40
Fair Value	104,169	129,746
U.S. Government agencies
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	76,502	179,538
Gross Unrealized Gains	1,187	3,216
Gross Unrealized Losses	532	646
Fair Value	77,157	182,108
U.S. Government sponsored entities
Debt Securities, Available-for-sale [Line Items]
Amortized Cost	879,102	691,562
Gross Unrealized Gains	5,735	14,593
Gross Unrealized Losses	14,281	675
Fair Value	870,556	705,480
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	76	121
Fair Value	$ 2,424	$ 2,379

Securities - Held-to-Maturity S

Securities - Held-to-Maturity Securities Held by Company (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 284,009,000	$ 0
Gross Unrealized Gains	668,000
Gross Unrealized Losses	2,389,000
Fair Value	282,288,000	$ 0
U.S. Treasuries
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	86,689,000
Gross Unrealized Gains	279,000
Gross Unrealized Losses	600,000
Fair Value	86,368,000
Obligations of U.S. Government sponsored entities
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	197,320,000
Gross Unrealized Gains	389,000
Gross Unrealized Losses	1,789,000
Fair Value	$ 195,920,000

Securities - Sales Transactions

Securities - Sales Transactions of Securities Available-for-Sale (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 142,679	$ 42,333	$ 232,598
Gross realized gains	1,126	179	1,123
Gross realized losses	(851)	0	(595)
Net gains (losses) on sales of available-for-sale debt securities	$ 275	$ 179	$ 528

Securities - Narrative (Details

Securities - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)security	Dec. 31, 2020USD ($)security	Dec. 31, 2019USD ($)
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Held-to-maturity debt securities	$ 284,009,000	$ 0
Recognized gains on called available-for-sale securities	$ 0	251,000	$ 88,000
Recognized losses on equity securities		26,000
Recognized gains on equity securities		$ 13,000	$ 29,000
Available-for-sale portfolios, number of securities in an unrealized loss position | security	268	268
Held-to-maturity portfolios, number of securities in an unrealized loss position | security	77	77
Securities pledged or sold under agreements to repurchase	$ 1,400,000,000	$ 1,200,000,000
Equity method investments	1,600,000	$ 1,500,000
Equity method investment, other than temporary Impairment	0
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	9,900,000
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	1,000,000
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 - Unrealized Losses

Securities - Unrealized Losses on Available-for-Sale of Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value
Less than 12 Months	$ 1,095,830	$ 417,782
12 Months or Longer	394,300	9,266
Total	1,490,130	427,048
Unrealized Losses
Less than 12 Months	20,921	3,014
12 Months or Longer	11,982	460
Total	32,903	3,474
U.S. Treasuries
Fair Value
Less than 12 Months	147,810
12 Months or Longer	0
Total	147,810
Unrealized Losses
Less than 12 Months	2,542
12 Months or Longer	0
Total	2,542
Obligations of U.S. Government sponsored entities
Fair Value
Less than 12 Months	362,895	310,711
12 Months or Longer	289,210	0
Total	652,105	310,711
Unrealized Losses
Less than 12 Months	6,694	1,992
12 Months or Longer	8,678	0
Total	15,372	1,992
Obligations of U.S. states and political subdivisions
Fair Value
Less than 12 Months	9,700	8,868
12 Months or Longer	1,283	0
Total	10,983	8,868
Unrealized Losses
Less than 12 Months	85	40
12 Months or Longer	15	0
Total	100	40
U.S. Government agencies
Fair Value
Less than 12 Months	22,074	10,560
12 Months or Longer	16,846	1,819
Total	38,920	12,379
Unrealized Losses
Less than 12 Months	160	396
12 Months or Longer	372	250
Total	532	646
U.S. Government sponsored entities
Fair Value
Less than 12 Months	553,351	87,643
12 Months or Longer	84,537	5,068
Total	637,888	92,711
Unrealized Losses
Less than 12 Months	11,440	586
12 Months or Longer	2,841	89
Total	14,281	675
U.S. corporate debt securities
Fair Value
Less than 12 Months	0	0
12 Months or Longer	2,424	2,379
Total	2,424	2,379
Unrealized Losses
Less than 12 Months	0	0
12 Months or Longer	76	121
Total	$ 76	$ 121

Securities - Unrealized Losse_2

Securities - Unrealized Losses Held-to-Maturity Debt Securities (Details) $ in Thousands	Dec. 31, 2021USD ($)
Fair Value
Less than 12 Months	$ 119,872
12 Months or Longer	0
Total	119,872
Unrealized Losses
Less than 12 Months	2,389
12 Months or Longer	0
Total	2,389
U.S. Treasuries
Fair Value
Less than 12 Months	35,280
12 Months or Longer	0
Total	35,280
Unrealized Losses
Less than 12 Months	600
12 Months or Longer	0
Total	600
Obligations of U.S. Government sponsored entities
Fair Value
Less than 12 Months	84,592
12 Months or Longer	0
Total	84,592
Unrealized Losses
Less than 12 Months	1,789
12 Months or Longer	0
Total	$ 1,789

Securities - Amortized Cost and

Securities - Amortized Cost and Estimated Fair Value of Available-for-Sale Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost
Due in one year or less	$ 77,159	$ 54,484
Due after one year through five years	474,537	379,044
Due after five years through ten years	501,748	228,572
Due after ten years	54,742	66,694
Total	1,108,186	728,794
Mortgage-backed securities	955,604	871,100
Amortized Cost	2,063,790	1,599,894
Fair Value
Due in one year or less	77,892	55,008
Due after one year through five years	471,776	388,132
Due after five years through ten years	492,573	229,107
Due after ten years	54,559	67,358
Total	1,096,800	739,605
Mortgage-backed securities	947,713	887,588
Fair Value	$ 2,044,513	$ 1,627,193

Securities - Amortized Cost a_2

Securities - Amortized Cost and Estimated Fair Value of Held-to-Maturity Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Amortized Cost
Due after five years through ten years	$ 284,009
Total held-to-maturity debt securities	284,009
Fair Value
Due after five years through ten years	282,288
Total held-to-maturity debt securities	$ 282,288	$ 0

Loans and Leases - Schedule of

Loans and Leases - Schedule of Loans and Leases (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 5,082,288	$ 5,267,910
Less: unearned income and deferred costs and fees	(6,821)	(7,583)
Total Loans	5,075,467	5,260,327
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	869,553	1,178,728
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	99,172	94,489
Total Loans	99,172	94,489
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	699,121	792,987
Total Loans	699,121	792,987
Commercial and industrial | PPP loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	71,260	291,252
Total Loans	71,260	291,252
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,653,154	2,569,192
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	195,973	201,866
Total Loans	195,973	201,866
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	2,278,599	2,204,310
Total Loans	2,278,599	2,204,310
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	178,582	163,016
Total Loans	178,582	163,016
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	1,473,582	1,435,987
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	182,671	200,827
Total Loans	182,671	200,827
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	72,051	69,800
Consumer and other | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	67,396	61,399
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	4,655	8,401
Total Loans	4,655	8,401
Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans and leases	$ 13,948	$ 14,203

Loans and Leases - Narrative (D

Loans and Leases - Narrative (Details)	12 Months Ended
	Dec. 31, 2021USD ($)banking_Officesubsidiary_Bank	Dec. 31, 2020USD ($)banking_Office	Dec. 31, 2019USD ($)banking_Office
Business Acquisition [Line Items]
Initial rate below the fully indexed rate, percent (less than)	1.00%
Sale of residential mortgage loans	$ 31,500,000	$ 51,700,000	$ 16,900,000
Net gains on sale of residential mortgage loans	943,000	2,100,000	227,000
Mortgage servicing assets added during the period	236,000	388,000	127,000
Amortization of mortgage servicing assets	182,000	221,000	$ 117,000
Residential mortgage loans serviced	147,100,000	140,900,000
Mortgage servicing rights, amortized cost	1,000,000	981,000
Mortgage servicing rights (MSR) impairment	0	0
Loans held for sale	205,000	4,400,000
Residential mortgage loans used to secure advances from FHLB	$ 110,000,000	$ 265,000,000
Number of subsidiary banks (banking office)	4	4	4
Interest on nonaccrual loans	$ 1,500,000	$ 1,700,000	$ 1,200,000
NEW YORK
Business Acquisition [Line Items]
Number of subsidiary banks (banking office) | subsidiary_Bank	3
Tompkins, Cayuga, Cortland and Schuyler Counties, New York
Business Acquisition [Line Items]
Number of banking offices | banking_Office	13
Wyoming, Livingston, Genessee, Orleans and Monroe, New York
Business Acquisition [Line Items]
Number of banking offices | banking_Office	16
Putnam Country, Dutchess Country and Westchester, New York
Business Acquisition [Line Items]
Number of banking offices | banking_Office	14
Berks, Montgomery, Philadelphia, Deleware and Schuylkill, Pennsylvania
Business Acquisition [Line Items]
Number of banking offices | banking_Office	20
Commercial real estate | Agriculture
Business Acquisition [Line Items]
Loan to value - debt service coverage ratio	80.00%
LTV 80 to 100 Percent
Business Acquisition [Line Items]
Loan to value - fixed rate loans	80.00%
Loan to value - adjusted rate loans	85.00%

Loans and Leases - Loans to Rel

Loans and Leases - Loans to Related Parties (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance at beginning of year	$ 49,080	$ 48,389
Loans to new directors/executive officers	0	5,886
New loans and advancements	7,274	3,022
Loan payments	(34,451)	(8,217)
Balance at end of year	$ 21,903	$ 49,080

Loans and Leases - Aging Analys

Loans and Leases - Aging Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financing Receivable, Past Due [Line Items]
Total loans and leases	$ 5,082,288	$ 5,267,910
Less: unearned income and deferred costs and fees	(6,821)	(7,583)
Total Loans	5,075,467	5,260,327
30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,422	1,831
60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,650	1,181
90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	8,155	14,300
Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	11,227	17,312
Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	5,071,061	5,250,598
Less: unearned income and deferred costs and fees	(6,821)	(7,583)
Total Loans	5,064,240	5,243,015
Commercial and industrial
Financing Receivable, Past Due [Line Items]
Total loans and leases	869,553	1,178,728
Commercial and industrial | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	506	44
Commercial and industrial | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	6	25
Commercial and industrial | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	88	1,516
Commercial and industrial | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	600	1,585
Commercial and industrial | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	868,953	1,177,143
Commercial and industrial | Agriculture
Financing Receivable, Past Due [Line Items]
Total loans and leases	99,172	94,489
Total Loans	99,172	94,489
Commercial and industrial | Agriculture | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial and industrial | Agriculture | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	18
Commercial and industrial | Agriculture | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial and industrial | Agriculture | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	18
Commercial and industrial | Agriculture | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	99,172	94,471
Commercial and industrial | Other
Financing Receivable, Past Due [Line Items]
Total loans and leases	699,121	792,987
Total Loans	699,121	792,987
Commercial and industrial | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	506	44
Commercial and industrial | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	6	7
Commercial and industrial | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	88	1,516
Commercial and industrial | Other | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	600	1,567
Commercial and industrial | Other | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	698,521	791,420
Commercial and industrial | PPP loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	71,260	291,252
Total Loans	71,260	291,252
Commercial and industrial | PPP loans | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial and industrial | PPP loans | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial and industrial | PPP loans | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial and industrial | PPP loans | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial and industrial | PPP loans | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	71,260	291,252
Commercial real estate
Financing Receivable, Past Due [Line Items]
Total loans and leases	2,653,154	2,569,192
Commercial real estate | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	271	263
Commercial real estate | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	257	0
Commercial real estate | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	3,305	7,125
Commercial real estate | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	3,833	7,388
Commercial real estate | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	2,649,321	2,561,804
Commercial real estate | Agriculture
Financing Receivable, Past Due [Line Items]
Total loans and leases	195,973	201,866
Total Loans	195,973	201,866
Commercial real estate | Agriculture | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	121	263
Commercial real estate | Agriculture | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial real estate | Agriculture | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial real estate | Agriculture | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	121	263
Commercial real estate | Agriculture | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	195,852	201,603
Commercial real estate | Other
Financing Receivable, Past Due [Line Items]
Total loans and leases	2,278,599	2,204,310
Total Loans	2,278,599	2,204,310
Commercial real estate | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	150	0
Commercial real estate | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	257	0
Commercial real estate | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	3,305	7,125
Commercial real estate | Other | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	3,712	7,125
Commercial real estate | Other | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	2,274,887	2,197,185
Commercial real estate | Construction
Financing Receivable, Past Due [Line Items]
Total loans and leases	178,582	163,016
Total Loans	178,582	163,016
Commercial real estate | Construction | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial real estate | Construction | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial real estate | Construction | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial real estate | Construction | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Commercial real estate | Construction | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	178,582	163,016
Residential real estate
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,473,582	1,435,987
Residential real estate | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	448	1,234
Residential real estate | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,256	1,103
Residential real estate | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	4,715	5,336
Residential real estate | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	6,419	7,673
Residential real estate | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,467,163	1,428,314
Residential real estate | Home equity
Financing Receivable, Past Due [Line Items]
Total loans and leases	182,671	200,827
Total Loans	182,671	200,827
Residential real estate | Home equity | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	441	713
Residential real estate | Home equity | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	417	224
Residential real estate | Home equity | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	798	1,126
Residential real estate | Home equity | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,656	2,063
Residential real estate | Home equity | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	181,015	198,764
Residential real estate | Mortgages
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,290,911	1,235,160
Total Loans	1,290,911	1,235,160
Residential real estate | Mortgages | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	7	521
Residential real estate | Mortgages | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	839	879
Residential real estate | Mortgages | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	3,917	4,210
Residential real estate | Mortgages | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	4,763	5,610
Residential real estate | Mortgages | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	1,286,148	1,229,550
Consumer and other
Financing Receivable, Past Due [Line Items]
Total loans and leases	72,051	69,800
Consumer and other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	197	290
Consumer and other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	131	53
Consumer and other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	47	323
Consumer and other | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	375	666
Consumer and other | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	71,676	69,134
Consumer and other | Other
Financing Receivable, Past Due [Line Items]
Total loans and leases	67,396	61,399
Consumer and other | Other | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	120	115
Consumer and other | Other | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	45	18
Consumer and other | Other | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	45	232
Consumer and other | Other | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	210	365
Consumer and other | Other | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	67,186	61,034
Consumer and other | Indirect
Financing Receivable, Past Due [Line Items]
Total loans and leases	4,655	8,401
Total Loans	4,655	8,401
Consumer and other | Indirect | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	77	175
Consumer and other | Indirect | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	86	35
Consumer and other | Indirect | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	2	91
Consumer and other | Indirect | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	165	301
Consumer and other | Indirect | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	4,490	8,100
Leases
Financing Receivable, Past Due [Line Items]
Total loans and leases	13,948	14,203
Leases | 30-59 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Leases | 60-89 Days
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Leases | 90 Days or More
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Leases | Total Past Due
Financing Receivable, Past Due [Line Items]
Total loans and leases	0	0
Leases | Current Loans
Financing Receivable, Past Due [Line Items]
Total loans and leases	$ 13,948	$ 14,203

Loans and Leases - Nonaccrual L

Loans and Leases - Nonaccrual Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	$ 15,101	$ 26,018
Nonaccrual Loans and Leases	26,033	38,976
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	502	803
Nonaccrual Loans and Leases	533	1,775
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	502	803
Nonaccrual Loans and Leases	533	1,775
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	13,502	23,080
Nonaccrual Loans and Leases	13,893	23,627
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	12,483	23,080
Nonaccrual Loans and Leases	12,766	23,509
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	671
Nonaccrual Loans and Leases	671
Loans and Leases Past Due Over 89 Days and Accruing	0
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	348	0
Nonaccrual Loans and Leases	456	118
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 ACL	1,096	2,132
Nonaccrual Loans and Leases	11,178	13,145
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	380	767
Nonaccrual Loans and Leases	2,459	2,965
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Residential real estate | Mortgages
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	716	1,365
Nonaccrual Loans and Leases	8,719	10,180
Loans and Leases Past Due Over 89 Days and Accruing	0	0
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual Loans and Leases with no ACL	1	3
Nonaccrual Loans and Leases	429	429
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 ACL	0	0
Nonaccrual Loans and Leases	183	260
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 ACL	1	3
Nonaccrual Loans and Leases	246	169
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, 2021	Dec. 31, 2020	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 51,669	$ 39,892	$ 43,410
(Credit) provision for credit loss expense	(2,805)	16,151	1,366
Charge-offs	(7,746)	(2,471)	(5,790)
Recoveries	1,725	631	906
Ending Balance	42,843	51,669	39,892
Commercial and industrial
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	9,239	10,541
(Credit) provision for credit loss expense	(2,748)	577
Charge-offs	(274)	(2)
Recoveries	118	131
Ending Balance	6,335	9,239	10,541
Commercial real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	30,546	21,608
(Credit) provision for credit loss expense	49	16,700
Charge-offs	(6,957)	(1,903)
Recoveries	1,175	58
Ending Balance	24,813	30,546	21,608
Residential real estate
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	10,257	6,381
(Credit) provision for credit loss expense	(277)	(693)
Charge-offs	(77)	(84)
Recoveries	236	194
Ending Balance	10,139	10,257	6,381
Consumer and other
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	1,562	1,362
(Credit) provision for credit loss expense	172	(416)
Charge-offs	(438)	(482)
Recoveries	196	248
Ending Balance	1,492	1,562	1,362
Finance Leases
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	65	0
(Credit) provision for credit loss expense	(1)	(17)
Charge-offs	0	0
Recoveries	0	0
Ending Balance	64	65	0
Cumulative Effect, Adjustment
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Beginning balance	$ 0	(2,534)	0
Ending Balance		0	(2,534)
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 - O

Allowance for Credit Losses - Off-Balance Sheet Credit Exposures (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Liabilities for off-balance sheet credit exposures at beginning of period	$ 1,920	$ 476	$ 748
Provision (credit) for credit loss expense related to off-balance sheet credit exposures	586	1,062	(272)
Liabilities for off-balance sheet credit exposures at end of period	2,506	1,920	476
Cumulative Effect, Adjustment
Off-Balance Sheet, Credit Loss, Liability [Roll Forward]
Liabilities for off-balance sheet credit exposures at beginning of period	$ 0	382	0
Liabilities for off-balance sheet credit exposures at end of period		$ 0	$ 382

Allowance for Credit Losses - C

Allowance for Credit Losses - Collateral Dependent Loans (Details) $ in Thousands	Dec. 31, 2021USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 16,162
ACL Allocation	67
Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	13,508
Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	395
Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	2,259
Commercial and Industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	865
ACL Allocation	26
Commercial and Industrial | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	142
Commercial and Industrial | Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	395
Commercial and Industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	328
Commercial Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	15,265
ACL Allocation	40
Commercial Real Estate | Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	13,334
Commercial Real Estate | Business Assets
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	0
Commercial Real Estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	1,931
Residential real estate | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	32
ACL Allocation	1
Residential real estate | Real Estate | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	32
Residential real estate | Business Assets | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	0
Residential real estate | Other | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total	$ 0

Allowance for Credit Losses - N

Allowance for Credit Losses - Narratives (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Jan. 01, 2020	Dec. 31, 2019	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses	$ 42,843	$ 51,669		$ 39,892	$ 43,410
Total TDRs	$ 219	345
Cumulative Effect, Adjustment
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowance for credit losses		$ 0	$ 2,500	$ (2,534)	$ 0

Allowance for Credit Losses - L

Allowance for Credit Losses - Loans Modified in Troubled Debt Restructuring (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)loan	Dec. 31, 2020USD ($)subsidiaryloan
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	2	5
Pre- Modification Outstanding Recorded Investment	$ 219	$ 345
Post-Modification Outstanding Recorded Investment	$ 219	$ 345
Number of loans Defaulted TDRs | loan	1	2
Post- Modification Outstanding Recorded Investment TDRs	$ 201	$ 124
Residential real estate | 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
Residential real estate | Home equity
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan	2	1
Pre- Modification Outstanding Recorded Investment	$ 219	$ 43
Post-Modification Outstanding Recorded Investment	$ 219	$ 43
Number of loans Defaulted TDRs | loan	1	1
Post- Modification Outstanding Recorded Investment TDRs	$ 201	$ 87
Commercial and Industrial | Other
Financing Receivable, Troubled Debt Restructuring [Line Items]
Number of Loans | loan		1
Pre- Modification Outstanding Recorded Investment		$ 24
Post-Modification Outstanding Recorded Investment		$ 24
Number of loans Defaulted TDRs | loan		0
Post- Modification Outstanding Recorded Investment TDRs		$ 0
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 -_2

Allowance for Credit Losses - Credit Quality Indicators by Commercial and Industrial Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total Loans	$ 5,075,467	$ 5,260,327
Commercial and industrial | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	124,331	93,073
Year two	59,786	73,311
Year three	54,613	57,468
Year four	42,768	62,111
Year five	35,926	35,739
Prior	240,123	302,038
Revolving Loans Amortized Cost Basis	131,535	152,946
Revolving Loans Converted to Term	10,039	16,301
Total Loans	699,121	792,987
Commercial and industrial | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	123,996	91,597
Year two	58,432	72,639
Year three	54,116	56,191
Year four	42,093	60,714
Year five	35,725	33,402
Prior	239,093	301,027
Revolving Loans Amortized Cost Basis	125,476	149,969
Revolving Loans Converted to Term	10,039	16,301
Total Loans	688,970	781,840
Commercial and industrial | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	156	1,064
Year two	770	367
Year three	450	344
Year four	100	912
Year five	201	2,045
Prior	393	228
Revolving Loans Amortized Cost Basis	1,417	1,331
Revolving Loans Converted to Term	0	0
Total Loans	3,487	6,291
Commercial and industrial | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	179	412
Year two	584	305
Year three	47	933
Year four	575	485
Year five	0	292
Prior	637	783
Revolving Loans Amortized Cost Basis	4,642	1,646
Revolving Loans Converted to Term	0	0
Total Loans	6,664	4,856
Commercial and industrial | PPP loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	71,260	291,252
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	71,260	291,252
Commercial and industrial | PPP loans | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	71,260	291,252
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	71,260	291,252
Commercial and industrial | PPP loans | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Commercial and industrial | PPP loans | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	0	0
Commercial and industrial | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	8,573	11,635
Year two	6,867	8,088
Year three	5,711	11,190
Year four	10,159	7,462
Year five	6,960	3,539
Prior	5,502	4,907
Revolving Loans Amortized Cost Basis	54,805	46,328
Revolving Loans Converted to Term	595	1,340
Total Loans	99,172	94,489
Commercial and industrial | Agriculture | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	8,573	11,536
Year two	6,782	8,005
Year three	5,700	11,162
Year four	10,136	6,531
Year five	6,867	3,539
Prior	3,186	2,599
Revolving Loans Amortized Cost Basis	53,145	41,936
Revolving Loans Converted to Term	595	1,340
Total Loans	94,984	86,648
Commercial and industrial | Agriculture | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	28
Year four	23	729
Year five	0	0
Prior	0	0
Revolving Loans Amortized Cost Basis	0	2,080
Revolving Loans Converted to Term	0	0
Total Loans	23	2,837
Commercial and industrial | Agriculture | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	99
Year two	85	83
Year three	11	0
Year four	0	202
Year five	93	0
Prior	2,316	2,308
Revolving Loans Amortized Cost Basis	1,660	2,312
Revolving Loans Converted to Term	0	0
Total Loans	4,165	5,004
Commercial real estate | Other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	329,356	278,782
Year two	273,443	264,280
Year three	263,300	256,658
Year four	207,727	248,313
Year five	223,667	330,041
Prior	892,837	727,711
Revolving Loans Amortized Cost Basis	45,044	33,622
Revolving Loans Converted to Term	43,225	64,903
Total Loans	2,278,599	2,204,310
Commercial real estate | Other | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	325,874	278,747
Year two	271,680	246,331
Year three	249,266	232,651
Year four	201,992	237,487
Year five	212,991	290,106
Prior	810,713	664,027
Revolving Loans Amortized Cost Basis	44,264	33,117
Revolving Loans Converted to Term	43,225	64,903
Total Loans	2,160,005	2,047,369
Commercial real estate | Other | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	35
Year two	1,763	13,016
Year three	11,772	5,612
Year four	3,217	4,654
Year five	2,167	34,310
Prior	61,723	46,074
Revolving Loans Amortized Cost Basis	358	203
Revolving Loans Converted to Term	0	0
Total Loans	81,000	103,904
Commercial real estate | Other | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	3,482	0
Year two	0	4,933
Year three	2,262	18,395
Year four	2,518	6,172
Year five	8,509	5,625
Prior	20,401	17,610
Revolving Loans Amortized Cost Basis	422	302
Revolving Loans Converted to Term	0	0
Total Loans	37,594	53,037
Commercial real estate | Agriculture
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	23,151	24,400
Year two	22,335	35,081
Year three	28,943	45,094
Year four	41,103	25,499
Year five	23,195	18,847
Prior	52,412	46,092
Revolving Loans Amortized Cost Basis	1,984	1,251
Revolving Loans Converted to Term	2,850	5,602
Total Loans	195,973	201,866
Commercial real estate | Agriculture | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	23,151	22,440
Year two	21,856	35,081
Year three	28,943	44,519
Year four	41,064	22,356
Year five	23,195	17,081
Prior	50,809	44,559
Revolving Loans Amortized Cost Basis	1,949	919
Revolving Loans Converted to Term	2,850	5,602
Total Loans	193,817	192,557
Commercial real estate | Agriculture | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	1,960
Year two	479	0
Year three	0	575
Year four	0	1,366
Year five	0	1,053
Prior	350	6
Revolving Loans Amortized Cost Basis	35	49
Revolving Loans Converted to Term	0	0
Total Loans	864	5,009
Commercial real estate | Agriculture | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	39	1,777
Year five	0	713
Prior	1,253	1,527
Revolving Loans Amortized Cost Basis	0	283
Revolving Loans Converted to Term	0	0
Total Loans	1,292	4,300
Commercial real estate | Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	12,840	14,465
Year two	10,025	20,705
Year three	16,325	7,999
Year four	7,542	2,478
Year five	1,274	1,879
Prior	7,202	7,473
Revolving Loans Amortized Cost Basis	113,337	86,966
Revolving Loans Converted to Term	10,037	21,051
Total Loans	178,582	163,016
Commercial real estate | Construction | Pass
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	12,840	14,465
Year two	10,025	20,705
Year three	16,325	7,999
Year four	7,542	2,478
Year five	1,274	1,879
Prior	6,559	6,682
Revolving Loans Amortized Cost Basis	112,537	85,513
Revolving Loans Converted to Term	10,037	21,051
Total Loans	177,139	160,772
Commercial real estate | Construction | Special Mention
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	0	467
Revolving Loans Amortized Cost Basis	0	1,453
Revolving Loans Converted to Term	0	0
Total Loans	0	1,920
Commercial real estate | Construction | Substandard
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	0
Year three	0	0
Year four	0	0
Year five	0	0
Prior	643	324
Revolving Loans Amortized Cost Basis	800	0
Revolving Loans Converted to Term	0	0
Total Loans	1,443	324
Residential real estate | Home equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,033	1,440
Year two	1,142	2,782
Year three	3,057	1,052
Year four	1,600	2,120
Year five	1,572	916
Prior	3,748	1,612
Revolving Loans Amortized Cost Basis	163,469	190,861
Revolving Loans Converted to Term	6,050	44
Total Loans	182,671	200,827
Residential real estate | Home equity | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	2,033	1,440
Year two	1,142	2,764
Year three	3,041	1,052
Year four	1,600	2,120
Year five	1,572	722
Prior	3,144	1,106
Revolving Loans Amortized Cost Basis	161,630	188,614
Revolving Loans Converted to Term	6,050	44
Total Loans	180,212	197,862
Residential real estate | Home equity | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	18
Year three	16	0
Year four	0	0
Year five	0	194
Prior	604	506
Revolving Loans Amortized Cost Basis	1,839	2,247
Revolving Loans Converted to Term	0	0
Total Loans	2,459	2,965
Residential real estate | Residential Real Estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	324,967	305,476
Year two	282,202	193,801
Year three	162,815	123,660
Year four	98,480	156,405
Year five	124,914	179,553
Prior	282,193	262,861
Revolving Loans Amortized Cost Basis	14,135	11,787
Revolving Loans Converted to Term	1,205	1,617
Total Loans	1,290,911	1,235,160
Residential real estate | Residential Real Estate | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	324,967	305,476
Year two	282,202	193,543
Year three	162,574	123,205
Year four	97,778	155,699
Year five	124,221	178,149
Prior	275,133	255,556
Revolving Loans Amortized Cost Basis	14,112	11,735
Revolving Loans Converted to Term	1,205	1,617
Total Loans	1,282,192	1,224,980
Residential real estate | Residential Real Estate | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	0	258
Year three	241	455
Year four	702	706
Year five	693	1,404
Prior	7,060	7,305
Revolving Loans Amortized Cost Basis	23	52
Revolving Loans Converted to Term	0	0
Total Loans	8,719	10,180
Consumer and other | Direct
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	20,653	14,845
Year two	10,744	11,201
Year three	9,441	8,178
Year four	5,659	6,644
Year five	4,861	2,854
Prior	10,602	10,842
Revolving Loans Amortized Cost Basis	5,436	6,835
Revolving Loans Converted to Term	0	0
Total Loans	67,396	61,399
Consumer and other | Direct | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	20,653	14,840
Year two	10,735	11,127
Year three	9,397	8,011
Year four	5,542	6,632
Year five	4,849	2,854
Prior	10,602	10,840
Revolving Loans Amortized Cost Basis	5,435	6,835
Revolving Loans Converted to Term	0	0
Total Loans	67,213	61,139
Consumer and other | Direct | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	5
Year two	9	74
Year three	44	167
Year four	117	12
Year five	12	0
Prior	0	2
Revolving Loans Amortized Cost Basis	1	0
Revolving Loans Converted to Term	0	0
Total Loans	183	260
Consumer and other | Indirect
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,809	1,424
Year two	856	1,945
Year three	960	3,371
Year four	587	1,135
Year five	363	418
Prior	80	108
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	4,655	8,401
Consumer and other | Indirect | Performing
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	1,809	1,424
Year two	854	1,878
Year three	812	3,327
Year four	506	1,128
Year five	362	382
Prior	66	93
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	4,409	8,232
Consumer and other | Indirect | Nonperforming
Accounts, Notes, Loans and Financing Receivable [Line Items]
Year one	0	0
Year two	2	67
Year three	148	44
Year four	81	7
Year five	1	36
Prior	14	15
Revolving Loans Amortized Cost Basis	0	0
Revolving Loans Converted to Term	0	0
Total Loans	$ 246	$ 169

Goodwill and Other Intangible_3

Goodwill and Other Intangible Assets - Schedule of Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020
Goodwill [Roll Forward]
Balance at the beginning of the period	$ 92,447	$ 92,447
Acquisitions	0	0
Balance at the end of the period	92,447	92,447
Banking
Goodwill [Roll Forward]
Balance at the beginning of the period	64,369	64,369
Acquisitions	0	0
Balance at the end of the period	64,369	64,369
Insurance
Goodwill [Roll Forward]
Balance at the beginning of the period	19,867	19,867
Acquisitions	0	0
Balance at the end of the period	19,867	19,867
Wealth Management
Goodwill [Roll Forward]
Balance at the beginning of the period	8,211	8,211
Acquisitions	0	0
Balance at the end of the period	$ 8,211	$ 8,211

Goodwill and Other Intangible_4

Goodwill and Other Intangible Assets - Narrative (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Goodwill and Intangible Assets Disclosure [Abstract]
Impairment of goodwill and intangible assets	$ 0
Amortization of intangible assets	$ 1,317,000	$ 1,484,000	$ 1,673,000

Goodwill and Other Intangible_5

Goodwill and Other Intangible Assets - Schedule of Amortizing Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	$ 34,643	$ 34,407
Accumulated Amortization	31,000	29,502
Net Carrying Amount	3,643	4,905
Core deposit intangible
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	18,774	18,774
Accumulated Amortization	18,269	17,367
Net Carrying Amount	505	1,407
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	9,048	9,048
Accumulated Amortization	7,282	6,884
Net Carrying Amount	1,766	2,164
Other intangibles
Finite-Lived Intangible Assets [Line Items]
Gross Carrying Amount	6,821	6,585
Accumulated Amortization	5,449	5,251
Net Carrying Amount	$ 1,372	$ 1,334

Goodwill and Other Intangible_6

Goodwill and Other Intangible Assets - Estimated Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Estimated amortization expense:
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
For the year ended December 31, 2026	225
Amortization of mortgage servicing assets	$ 182	$ 221	$ 117

Premises and Equipment - Schedu

Premises and Equipment - Schedule of Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Property, Plant and Equipment [Line Items]
Accumulated depreciation and amortization	$ (112,746)	$ (105,033)
Total	85,416	88,709
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	105,164	104,027
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Premise and equipment, gross	$ 83,803	$ 80,520

Premises and Equipment - Deprec

Premises and Equipment - Depreciation and Amortization Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 7,966	$ 7,833	$ 7,715
Premises
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	2,599	2,608	2,809
Furniture, fixtures, and equipment
Property, Plant and Equipment [Line Items]
Depreciation and amortization expense	$ 5,367	$ 5,225	$ 4,906

Premises and Equipment - Narrat

Premises and Equipment - Narrative (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Property, Plant and Equipment [Line Items]
Gross rental expense	$ 4.9	$ 4.9	$ 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, 2021	Dec. 31, 2020
Deposits [Abstract]
Time deposits, greater than $250,000	$ 167.9	$ 229.7

Deposits - Scheduled Maturities

Deposits - Scheduled Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Maturity
Three months or less	$ 181,589
Over three through six months	122,214
Over six through twelve months	203,503
Total due in 2022	507,306
2023	77,345
2024	28,100
2025	17,265
2026	9,533
Thereafter	125
Total	639,674	$ 746,234
Less than $250,000
Maturity
Three months or less	128,186
Over three through six months	88,224
Over six through twelve months	149,328
Total due in 2022	365,738
2023	63,879
2024	24,318
2025	10,129
2026	7,559
Thereafter	125
Total	471,748
$250,000 and over
Maturity
Three months or less	53,403
Over three through six months	33,990
Over six through twelve months	54,175
Total due in 2022	141,568
2023	13,466
2024	3,782
2025	7,136
2026	1,974
Thereafter	0
Total	$ 167,926

Securities Sold Under Agreeme_3

Securities Sold Under Agreements to Repurchase and Federal Funds Purchased (Details) - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Retail Repurchase Agreements
Repurchase Agreement Counterparty [Line Items]
Outstanding agreements to repurchase	$ 66,800,000
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	66,787,000	$ 65,845,000	$ 60,346,000
Maximum month-end balance	78,420,000	72,883,000	71,875,000
Average balance during the year	$ 58,627,000	$ 55,973,000	$ 59,742,000
Weighted average rate at December 31	0.10%	0.11%	0.22%
Average interest rate paid during the year	0.11%	0.17%	0.24%
Federal Funds Purchased
Repurchase Agreement Counterparty [Line Items]
Average balance during the year	$ 0	$ 0	$ 82,000
Average interest rate paid during the year	0.00%	0.00%	2.86%

Other Borrowings - Schedule of

Other Borrowings - Schedule of Company's Borrowings (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Debt Disclosure [Abstract]
Overnight FHLB advances	$ 14,000	$ 0
Term FHLB advances	110,000	265,000
Total other borrowings	$ 124,000	$ 265,000

Other Borrowings - Narrative (D

Other Borrowings - Narrative (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 25,000,000
Outstanding advances	0	$ 0
Unused borrowing capacity	2,300,000,000	2,100,000,000
Unencumbered residential and commercial real estate loans and investment securities pledged	1,600,000,000
Term advances	$ 110,000,000	$ 265,000,000
Weighted average interest rate	1.80%	2.09%
Overnight advances	$ 14,000,000	$ 0
Term advances mature within one year	10,000,000
Term advances maturing after one year	100,000,000
Maturities of advances due in 2023	60,000,000
Maturities of advances due in 2024	40,000,000
Callable FHLB borrowings	0
Outstanding on line of credit with bank		0
Subsidiaries
Line of Credit Facility [Line Items]
Maximum borrowing capacity	$ 89,000,000	$ 89,000,000

Trust Preferred Debentures (Det

Trust Preferred Debentures (Details) $ in Thousands	Aug. 07, 2021	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)subsidiaryTrust	Sep. 30, 2021USD ($)	Jun. 30, 2021USD ($)
Debt Instrument [Line Items]
Trust preferred debentures		$ 0	$ 13,220
Number of unconsolidated subsidiary trusts | subsidiaryTrust			2
Leesport Capital Trust II
Debt Instrument [Line Items]
Trust preferred debentures, par amount			$ 10,000	$ 10,000
Madison Statutory Trust I
Debt Instrument [Line Items]
Trust preferred debentures, par amount			$ 5,000		$ 5,000
Trust Preferred Debentures
Debt Instrument [Line Items]
Accelerated non-cash purchase accounting discounts		$ 1,900
Leesport Capital Trust II
Debt Instrument [Line Items]
Debt redemption, percentage of principal amount redeemed	100.00%
Leesport Capital Trust II | Unconsolidated subsidiary | Leesport Capital Trust II
Debt Instrument [Line Items]
Ownership percentage by parent			100.00%
Madison Statutory Trust I | Unconsolidated subsidiary | Madison Statutory Trust I
Debt Instrument [Line Items]
Ownership percentage by parent			100.00%

Employee Benefit Plans - Narrat

Employee Benefit Plans - Narrative (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2021USD ($)pensionPlanshares	Dec. 31, 2020USD ($)shares	Dec. 31, 2019USD ($)
Defined Contribution Plan Disclosure [Line Items]
Number of non-contributory defined-contribution retirement plans | pensionPlan	2
Number of shares issued | shares	14,696,911	14,964,389
Fair value of shares issued	$ 1,470	$ 1,496
Expenses related to defined-contribution plans	4,400	4,400	$ 4,000
Actuarial (gain) loss	$ (6,400)	$ 15,500
Expected long-term rate of return	6.50%	6.75%	7.00%
Compensation expense related to the profit-sharing	$ 5,400	$ 4,500	$ 4,400
Maximum match (as a percent)	4.00%
Expense associated with matching provisions	$ 3,000	2,900	$ 2,900
Life insurance assets	86,495	84,736
Split dollar life insurance benefits
Defined Contribution Plan Disclosure [Line Items]
Estimated liability	1,500	1,700
Compensation expense related to the split dollar life insurance	52	55
DB Pension Plan
Defined Contribution Plan Disclosure [Line Items]
Accumulated benefit obligation	93,000	98,000
Funded (unfunded) status of plan	3,384	(8,849)
Actuarial (gain) loss	$ (2,834)	10,046
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	$ 10,100	10,500
Funded (unfunded) status of plan	(10,055)	(10,508)
Actuarial (gain) loss	(574)	1,340
SERP Plan
Defined Contribution Plan Disclosure [Line Items]
Accumulated benefit obligation	34,000	36,700
Funded (unfunded) status of plan	(34,033)	(36,710)
Actuarial (gain) loss	$ (3,002)	$ 4,070

Employee Benefit Plans - Change

Employee Benefit Plans - Changes in Projected Benefit Obligation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Change in benefit obligation:
Actuarial (gain) loss	$ (6,400)	$ 15,500
DB Pension Plan
Change in benefit obligation:
Benefit obligation at beginning of year	98,021	90,346
Service cost	0	0	$ 0
Interest cost	1,628	2,371	2,936
Plan participants’ contributions	0	0
Actuarial (gain) loss	(2,834)	10,046
Benefits paid	(3,806)	(4,742)
Benefit obligation at end of year	93,009	98,021	90,346
Change in plan assets:
Fair value of plan assets at beginning of year	89,172	82,352
Actual return on plan assets	11,027	11,562
Plan participants’ contributions	0	0
Employer contributions	0	0
Benefits paid	(3,806)	(4,742)
Fair value of plan assets at end of year	96,393	89,172	82,352
Funded (unfunded) status	3,384	(8,849)
Life and Healthcare Plan
Change in benefit obligation:
Benefit obligation at beginning of year	10,508	9,022
Service cost	186	173	159
Interest cost	180	245	289
Plan participants’ contributions	108	90
Actuarial (gain) loss	(574)	1,340
Benefits paid	(353)	(362)
Benefit obligation at end of year	10,055	10,508	9,022
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	108	90
Employer contributions	245	272
Benefits paid	(353)	(362)
Fair value of plan assets at end of year	0	0	0
Funded (unfunded) status	(10,055)	(10,508)
SERP Plan
Change in benefit obligation:
Benefit obligation at beginning of year	36,710	32,153
Service cost	231	214	157
Interest cost	692	914	909
Plan participants’ contributions	0	0
Actuarial (gain) loss	(3,002)	4,070
Benefits paid	(598)	(641)
Benefit obligation at end of year	34,033	36,710	32,153
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	598	641
Benefits paid	(598)	(641)
Fair value of plan assets at end of year	0	0	$ 0
Funded (unfunded) status	$ (34,033)	$ (36,710)

Employee Benefit Plans - Net Pe

Employee Benefit Plans - Net Periodic Benefit Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Components of net periodic benefit cost
Recognized net actuarial gain due to curtailments	$ 0	$ 0	$ 302
DB Pension Plan
Components of net periodic benefit cost
Service cost	0	0	0
Interest cost	1,628	2,371	2,936
Expected return on plan assets	(5,652)	(5,416)	(4,933)
Amortization of prior service (credit) cost	1	(10)	(10)
Recognized net actuarial loss	1,559	1,411	1,334
Recognized net actuarial gain due to curtailments	0	0	0
Net periodic benefit (credit) cost	(2,464)	(1,644)	(673)
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss)
Net actuarial loss (gain)	(8,209)	3,899	2,776
Recognized actuarial loss	(1,559)	(1,411)	(1,334)
Prior service credit	0	0	0
Recognized prior service cost (credit)	(1)	10	10
Prior service cost (credit) recognized due to curtailment	0	0	0
Recognized in other comprehensive income (loss)	(9,769)	2,498	1,452
Total recognized in net periodic benefit cost and other comprehensive income (loss)	(12,233)	854	779
Life and Healthcare Plan
Components of net periodic benefit cost
Service cost	186	173	159
Interest cost	180	245	289
Expected return on plan assets	0	0	0
Amortization of prior service (credit) cost	(61)	(61)	(62)
Recognized net actuarial loss	312	155	0
Recognized net actuarial gain due to curtailments	0	0	(399)
Net periodic benefit (credit) cost	617	512	(13)
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss)
Net actuarial loss (gain)	(574)	1,340	1,218
Recognized actuarial loss	(312)	(155)	0
Prior service credit	0	0	(203)
Recognized prior service cost (credit)	61	61	62
Prior service cost (credit) recognized due to curtailment	0	0	399
Recognized in other comprehensive income (loss)	(825)	1,246	1,476
Total recognized in net periodic benefit cost and other comprehensive income (loss)	(208)	1,758	1,463
SERP Plan
Components of net periodic benefit cost
Service cost	231	214	157
Interest cost	692	914	909
Expected return on plan assets	0	0	0
Amortization of prior service (credit) cost	282	285	104
Recognized net actuarial loss	1,080	800	343
Recognized net actuarial gain due to curtailments	0	0	0
Net periodic benefit (credit) cost	2,285	2,213	1,513
Other changes in plan assets and benefit obligations recognized in other comprehensive income (loss)
Net actuarial loss (gain)	(3,002)	4,070	6,128
Recognized actuarial loss	(1,080)	(800)	(343)
Prior service credit	0	0	2,022
Recognized prior service cost (credit)	(282)	(285)	(104)
Prior service cost (credit) recognized due to curtailment	0	0	0
Recognized in other comprehensive income (loss)	(4,364)	2,985	7,703
Total recognized in net periodic benefit cost and other comprehensive income (loss)	$ (2,079)	$ 5,198	$ 9,216

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, 2021	Dec. 31, 2020	Dec. 31, 2019
DB Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial loss (gain)	$ 40,765	$ 50,533	$ 48,045
Prior service cost (credit)	0	1	(9)
Total	40,765	50,534	48,036
Life and Healthcare Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial loss (gain)	1,886	2,771	1,586
Prior service cost (credit)	(226)	(287)	(348)
Total	1,660	2,484	1,238
SERP Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
Net actuarial loss (gain)	10,532	14,614	11,345
Prior service cost (credit)	1,866	2,148	2,433
Total	$ 12,398	$ 16,762	$ 13,778

Employee Benefit Plans - Weighe

Employee Benefit Plans - Weighed Average Assumptions Used (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Discount Rates
Expected long-term return on plan assets	6.50%	6.75%	7.00%
DB Pension Plan
Discount Rates
Benefit Cost for Plan Year	2.24%	3.04%	4.08%
Benefit Obligation at End of Plan Year	2.63%	2.24%	3.04%
Life and Healthcare Plan
Discount Rates
Benefit Cost for Plan Year	2.33%	3.10%	4.13%
Benefit Obligation at End of Plan Year	2.69%	2.33%	3.10%
Rate of compensation increase
Benefit Cost for Plan Year	4.00%	4.00%	4.00%
Benefit Obligation at End of Plan Year	4.00%	4.00%	4.00%
SERP Plan
Discount Rates
Benefit Cost for Plan Year	2.37%	3.14%	4.16%
Benefit Obligation at End of Plan Year	2.71%	2.37%	3.14%
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, 2021USD ($)
DB Pension Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2022	$ 4,285
2023	4,432
2024	4,511
2025	4,687
2026	4,769
2027-2031	24,221
Total	46,905
Life and Healthcare Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2022	485
2023	472
2024	479
2025	474
2026	469
2027-2031	2,357
Total	4,736
SERP Plan
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]
2022	808
2023	900
2024	873
2025	856
2026	1,001
2027-2031	6,998
Total	$ 11,436

Employee Benefit Plans - Pensio

Employee Benefit Plans - Pension Plan Weighted-Average Asset Allocations (Details) - DB Pension Plan	Dec. 31, 2021	Dec. 31, 2020
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	61.00%	63.00%
Debt securities
Defined Contribution Plan Disclosure [Line Items]
Weighted-average asset allocations	33.00%	36.00%
Other
Defined Contribution Plan Disclosure [Line Items]
Weighted-average asset allocations	6.00%	1.00%

Employee Benefit Plans - Major

Employee Benefit Plans - Major Categories of Assets in Pension Plan (Details) - DB Pension Plan - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	$ 96,393	$ 89,172	$ 82,352
(Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	96,393	89,172
(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	5,472	2,417
Cash and cash equivalents | (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	5,472	2,417
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	29,227	26,422
Common stocks | (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	29,227	26,422
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	61,694	60,333
Mutual funds | (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Total Fair Value of Plan Assets	61,694	60,333
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, 2021USD ($)$ / sharesshares	Dec. 31, 2020USD ($)$ / sharesshares	Dec. 31, 2019USD ($)$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	67,846	86,411	62,360
Stock-based compensation expense | $	$ 5,145	$ 4,733	$ 4,235
Average grant date fair value (in dollars per share) | $ / shares	$ 83.97
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
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock-based compensation expense | $	$ 5,400	4,700	4,000
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 | $	$ 151	$ 194	$ 235
Unrecognized compensation cost stock option awards | $	$ 40
Weighted average period for recognition	9 months 18 days
Awards granted during period (in shares)	0	0	0
Stock options and SARs | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award term (no more than)	10 years
Stock options and SARs | 2019 Equity Plan | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Stock options and SARs | 2019 Equity Plan | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	7 years
Stock Options And Stock Appreciation Rights With Expiration Date In 2026 | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Stock Options And Stock Appreciation Rights With Expiration Date In 2026 | 2019 Equity Plan | Year One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0.00%
Stock Options And Stock Appreciation Rights With Expiration Date In 2026 | 2019 Equity Plan | Year Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Stock Options And Stock Appreciation Rights With Expiration Date In 2026 | 2019 Equity Plan | Year Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Stock Options And Stock Appreciation Rights With Expiration Date In 2026 | 2019 Equity Plan | Year Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Stock Options And Stock Appreciation Rights With Expiration Date In 2026 | 2019 Equity Plan | Year Five
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	7 years
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year Five
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year Six
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Stock Options And Stock Appreciation Rights, Not Expiring In 2026 | 2019 Equity Plan | Year Seven
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	15.00%
Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	54,151	69,451	49,365
Average grant date fair value (in dollars per share) | $ / shares		$ 63.44	$ 89.21
Restricted Stock Granted In 2016 To 2021 | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	5 years
Restricted Stock Granted In 2016 To 2021 | 2019 Equity Plan | Year One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0.00%
Restricted Stock Granted In 2016 To 2021 | 2019 Equity Plan | Year Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Restricted Stock Granted In 2016 To 2021 | 2019 Equity Plan | Year Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Restricted Stock Granted In 2016 To 2021 | 2019 Equity Plan | Year Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Restricted Stock Granted In 2016 To 2021 | 2019 Equity Plan | Year Five
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	25.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period	7 years
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	0.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year Five
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year Six
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	17.00%
Restricted Stock Awards Not Granted In 2016 To 2021 | 2019 Equity Plan | Year Seven
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting, percentage	15.00%
Restricted Stock Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	8,355	10,415	8,345
Weighted average period for recognition	4 years 1 month 6 days
Unrecognized compensation cost for non-option awards | $	$ 1,400
Performance shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted (in shares)	5,340	6,545	4,650
Performance shares | 2019 Equity Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award performance period	3 years
Restricted Stock And Performance Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Weighted average period for recognition	3 years 6 months
Unrecognized compensation cost for non-option awards | $	$ 11,500

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Number of Shares/Rights
Granted (in shares)	67,846	86,411	62,360
Outstanding, ending balance (in shares)	91,480
Exercisable, ending balance (in shares)	85,821
Weighted Average Exercise Price
Outstanding, ending balance (in dollars per share)	$ 54.17
Exercisable, ending balance (in dollars per share)	$ 54.03
Weighted Average Remaining Contractual Term
Outstanding (in years)	3 years 1 month 6 days
Stock options and SARs
Number of Shares/Rights
Outstanding, beginning balance (in shares)	144,387
Granted (in shares)	0
Exercised (in shares)	(51,771)
Forfeited (in shares)	(1,136)
Outstanding, ending balance (in shares)	91,480	144,387
Exercisable, ending balance (in shares)	85,821
Weighted Average Exercise Price
Outstanding, beginning balance (in dollars per share)	$ 50.61
Granted (in dollars per share)	0
Exercised (in dollars per share)	44.42
Forfeited (in dollars per share)	46.28
Outstanding, ending balance (in dollars per share)	54.17	$ 50.61
Exercisable, ending balance (in dollars per share)	$ 54.03
Weighted Average Remaining Contractual Term
Outstanding (in years)	3 years 1 month 6 days
Exercisable (in years)	3 years 18 days
Aggregate Intrinsic Value
Outstanding	$ 2,690,855
Exercisable	$ 2,536,421

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Share-based Payment Arrangement [Abstract]
Proceeds from stock option exercises	$ (803)	$ (253)	$ (992)
Tax benefits related to stock option exercises	355	156	944
Intrinsic value of stock option exercises	$ 1,900	$ 570	$ 2,460

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, 2021$ / sharesshares
Share-based Payment Arrangement, Option, Exercise Price Range [Line Items]
Number Outstanding (in shares) | shares	91,480
Weighted Average Remaining Contractual Life	3 years 1 month 6 days
Weighted Average Exercise Price (in dollars per share)	$ 54.17
Number Exercisable (in shares) | shares	85,821
Weighted Average Exercise Price (in dollars per share)	$ 54.03
$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	17,034
Weighted Average Remaining Contractual Life	1 year 3 months 7 days
Weighted Average Exercise Price (in dollars per share)	$ 40.60
Number Exercisable (in shares) | shares	17,034
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	33,763
Weighted Average Remaining Contractual Life	2 years 9 months 14 days
Weighted Average Exercise Price (in dollars per share)	$ 49.22
Number Exercisable (in shares) | shares	33,763
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	40,461
Weighted Average Remaining Contractual Life	4 years 1 month 9 days
Weighted Average Exercise Price (in dollars per share)	$ 63.84
Number Exercisable (in shares) | shares	34,802
Weighted Average Exercise Price (in dollars per share)	$ 65.07
$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	4 years 10 months 20 days
Weighted Average Exercise Price (in dollars per share)	$ 86.18
Number Exercisable (in shares) | shares	222
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, 2021$ / sharesshares
Number of Shares
Unvested, beginning of year (in shares) | shares	254,989
Granted (in shares) | shares	67,846
Vested (in shares) | shares	(71,907)
Forfeited (in shares) | shares	(9,018)
Unvested, end of year (in shares) | shares	241,910
Weighted Average Grant Date Fair Value
Beginning balance (in dollars per share) | $ / shares	$ 70.55
Granted (in dollars per share) | $ / shares	83.97
Vested (in dollars per share) | $ / shares	72.67
Forfeited (in dollars per share) | $ / shares	70.10
Ending balance (in dollars per share) | $ / shares	$ 71.60

Other Noninterest Income and _3

Other Noninterest Income and Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Other Income and Expenses [Abstract]
Reporting threshold for other income and operating expenses (percent, greater than)	1.00%
NONINTEREST INCOME
Other service charges	$ 2,826	$ 2,835	$ 3,166
Increase in cash surrender value of corporate owned life insurance	1,879	2,188	2,164
Net gain on sale of loans	943	2,054	227
Other miscellaneous income	1,555	1,740	2,859
Total other noninterest income	7,203	8,817	8,416
NONINTEREST EXPENSES
Marketing expense	4,319	4,750	4,856
Professional fees	6,909	6,054	8,942
Technology expense	11,747	11,791	10,666
Cardholder expense	3,532	3,252	3,238
FDIC insurance	2,758	2,398	773
Legal expense	1,190	1,199	1,200
Penalties on prepayment of FHLB borrowings	2,929	0	0
Other miscellaneous expenses	13,869	15,285	16,574
Total other noninterest expenses	$ 47,253	$ 44,729	$ 46,249

Revenue Recognition - Schedule

Revenue Recognition - Schedule of Disaggregation of Noninterest Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	$ 72,601	$ 65,746	$ 67,555
Noninterest Income (out-of-scope of ASC 606)	6,248	8,114	7,878
Total Noninterest Income	78,849	73,860	75,433
Insurance Revenues
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	34,836	31,505	31,091
Investment Service Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	19,388	17,520	16,434
Service Charges on Deposit Accounts
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	6,347	6,312	8,321
Card Services Income
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	10,826	9,263	10,526
Other
Disaggregation of Revenue [Line Items]
Noninterest Income (in-scope of ASC 606)	$ 1,204	$ 1,146	$ 1,183

Revenue Recognition - Narrative

Revenue Recognition - Narrative (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Net increase to beginning retained earnings	$ 475,262	$ 418,413
Contingent income
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Contract assets	3,000	2,500
Contract liabilities	1,700	2,000	$ 2,000
Insurance
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Net increase to beginning retained earnings	6,000	5,200
Wealth management services
Revenue, Initial Application Period Cumulative Effect Transition [Line Items]
Net increase to beginning retained earnings	$ 2,300	$ 2,200

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Current
Federal	$ 19,345	$ 22,199	$ 15,161
State	4,039	4,009	2,782
Total	23,384	26,208	17,943
Deferred
Federal	1,485	(5,247)	2,668
State	313	(1,037)	405
Deferred tax expense	1,798	(6,284)	3,073
Federal Total	20,830	16,952	17,829
State Total	4,352	2,972	3,187
Tax expense (benefit)	$ 25,182	$ 19,924	$ 21,016

Income Taxes - Income Tax Rate

Income Taxes - Income Tax Rate Reconciliation (Details)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Income Tax Disclosure [Abstract]
Statutory federal income tax rate	21.00%	21.00%	21.00%
State income taxes, net of federal benefit	3.00%	2.40%	2.50%
Tax exempt income	(1.20%)	(1.80%)	(1.50%)
Excess benefits from equity-based compensation	(0.50%)	(0.20%)	(0.80%)
Bank-owned life insurance income	(0.40%)	(0.50%)	(0.50%)
Federal tax credit	0.00%	(0.40%)	(0.70%)
All other	0.10%	(0.10%)	0.50%
Total	22.00%	20.40%	20.50%

Income Taxes - Deferred Tax Ass

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Deferred tax assets:
Allowance for credit losses	$ 11,160	$ 13,095
Lease liability	7,277	7,858
Interest income on nonperforming loans	470	500
Compensation and benefits	12,303	11,580
Purchase accounting adjustments	360	0
Liabilities held at fair value	21	20
Deferred loan fees and costs	1,664	1,783
Other	1,017	1,097
Total	34,272	35,933
Deferred tax liabilities:
Prepaid pension	10,875	10,254
Right of use asset	7,092	7,270
Depreciation	3,586	3,735
Intangibles	1,401	1,266
Purchase accounting adjustments	0	5
Leases	1,985	2,425
Other	1,657	1,504
Total deferred tax liabilities	26,596	26,459
Net deferred tax asset at year-end	7,676	9,474	$ 3,776
Net deferred tax asset at beginning of year	9,474	3,776
(Decrease) increase in net deferred tax asset	(1,798)	5,698
CECL accounting standard adoption recorded through equity	0	586
Deferred tax expense	$ 1,798	$ (6,284)	$ 3,073

Income Taxes - Narrative (Detai

Income Taxes - Narrative (Details) - USD ($)	Dec. 31, 2021	Dec. 31, 2020
Income Tax Disclosure [Abstract]
Deferred tax assets (liabilities) related to net unrealized holdings losses/(gains) in the available-for-sale securities portfolio	$ 4,700,000	$ (6,700,000)
Deferred tax assets related to employee benefit plans	13,400,000	17,100,000
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, 2021	Dec. 31, 2020	Dec. 31, 2019
Before-Tax Amount
Other Comprehensive Income, Net unrealized losses	$ (31,619)	$ 15,222	$ 25,961
Tax (Expense) Benefit
Other Comprehensive Income, Net unrealized losses	7,743	(3,732)	(6,360)
Net of Tax
Unrealized gains on HTM securities transferred to AFS securities	0	0	2,852
Other comprehensive (loss) income	(23,876)	11,490	19,601
Available-for-sale securities
Before-Tax Amount
Other comprehensive gain (loss), before reclassifications	(46,301)	22,381	33,431
Unrealized gains on HTM securities transferred to AFS securities			3,777
Reclassification adjustment	(275)	(430)	(616)
Other Comprehensive Income, Net unrealized losses	(46,576)	21,951	36,592
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications	11,340	(5,487)	(8,190)
Unrealized gains on HTM securities transferred to AFS securities			(925)
Reclassification adjustment	67	106	151
Other Comprehensive Income, Net unrealized losses	11,407	(5,381)	(8,964)
Net of Tax
Other comprehensive gain (loss), before reclassifications	(34,961)	16,894	25,241
Unrealized gains on HTM securities transferred to AFS securities			2,852
Reclassification adjustment	(208)	(324)	(465)
Other comprehensive (loss) income	(35,169)	16,570	27,628
Net retirement plan actuarial (loss) gain
Before-Tax Amount
Other comprehensive gain (loss), before reclassifications	11,785	(9,309)	(10,122)
Reclassification adjustment	2,951	2,366	1,677
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications	(2,887)	2,281	2,480
Reclassification adjustment	(723)	(580)	(411)
Net of Tax
Other comprehensive gain (loss), before reclassifications	8,898	(7,028)	(7,642)
Reclassification adjustment	2,228	1,786	1,266
Net actuarial 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	221	214	32
Tax (Expense) Benefit
Other comprehensive gain (loss), before reclassifications			446
Reclassification adjustment	(54)	(52)	(8)
Net of Tax
Other comprehensive gain (loss), before reclassifications			(1,373)
Reclassification adjustment	167	162	24
Employee benefit plans
Before-Tax Amount
Other Comprehensive Income, Net unrealized losses	14,957	(6,729)	(10,631)
Tax (Expense) Benefit
Other Comprehensive Income, Net unrealized losses	(3,664)	1,649	2,604
Net of Tax
Other comprehensive (loss) income	$ 11,293	$ (5,080)	$ (8,027)

Other Comprehensive Income (L_4

Other Comprehensive Income (Loss) - Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	$ 717,689	$ 663,054	$ 620,871
Balances at ending	728,941	717,689	663,054
Available-for-Sale Debt Securities
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	20,609	4,039	(23,589)
Other comprehensive income (loss)	(35,169)	16,570	27,628
Balances at ending	(14,560)	20,609	4,039
Employee Benefit Plans
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	(52,683)	(47,603)	(39,576)
Other comprehensive income (loss)	11,293	(5,080)	(8,027)
Balances at ending	(41,390)	(52,683)	(47,603)
Accumulated Other Comprehensive Income (loss)
AOCI Attributable to Parent, Net of Tax [Roll Forward]
Balances at beginning	(32,074)	(43,564)	(63,165)
Other comprehensive income (loss)	(23,876)	11,490	19,601
Balances at ending	$ (55,950)	$ (32,074)	$ (43,564)

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, 2021	Dec. 31, 2020	Dec. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	$ 249	$ 443	$ 645
Other operating expense	(47,253)	(44,729)	(46,249)
Income Before Income Tax Expense	114,573	97,666	102,861
Tax expense (benefit)	(25,182)	(19,924)	(21,016)
Net Income Attributable to Tompkins Financial Corporation	89,264	77,588	$ 81,718
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Unrealized gains and losses on available-for-sale debt securities
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	275	430
Tax expense (benefit)	(67)	(106)
Net Income Attributable to Tompkins Financial Corporation	208	324
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	(2,951)	(2,366)
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	(221)	(214)
Amount Reclassified from Accumulated Other Comprehensive Income (Loss) | Employee benefit plans
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income Before Income Tax Expense	(3,172)	(2,580)
Tax expense (benefit)	777	632
Net Income Attributable to Tompkins Financial Corporation	$ (2,395)	$ (1,948)

Commitments and Contingent Li_3

Commitments and Contingent Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	$ 1,127,977	$ 1,006,964
Commitments to sell mortgages to unrelated investors on a loan-by-loan basis	205
Loan commitments
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	176,510	144,593
Standby letters of credit
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	39,773	31,441
Undisbursed portion of lines of credit
Loss Contingencies [Line Items]
Maximum potential obligations to extend credit for loan commitments	$ 911,694	$ 830,930

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Basic
Net income available to common shareholders	$ 89,264	$ 77,588	$ 81,718
Less: income attributable to unvested stock-based compensation awards	(615)	(857)	(1,306)
Net earnings allocated to common shareholders	$ 88,649	$ 76,731	$ 80,412
Weighted average shares outstanding, including unvested stock-based compensation awards (in shares)	14,798,447	14,933,990	15,149,535
Less: average unvested stock-based compensation awards (in shares)	(229,684)	(230,600)	(242,478)
Weighted average shares outstanding - Basic (in shares)	14,568,763	14,703,390	14,907,057
Diluted
Net earnings allocated to common shareholders	$ 88,649	$ 76,731	$ 80,412
Weighted average shares outstanding - Basic (in shares)	14,568,763	14,703,390	14,907,057
Plus: incremental shares from assumed conversion of stock-based compensation awards (in shares)	79,404	38,650	66,894
Weighted average shares outstanding - Diluted (in shares)	14,648,167	14,742,040	14,973,951
Basic EPS (in dollars per share)	$ 6.08	$ 5.22	$ 5.39
Diluted EPS (in dollars per share)	$ 6.05	$ 5.20	$ 5.37
Antidilutive securities excluded from computation of earning per share (in shares)	4,984	7,591	14,982

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Financial Liabilities Measured at Fair Value (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	$ 902	$ 929
Recurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,044,513	1,627,193
Recurring | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	157,834
Recurring | Obligations of U.S. Government sponsored entities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	832,373	607,480
Recurring | Obligations of U.S. states and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	104,169	129,746
Recurring | Mortgage-backed securities - residential, U.S. Government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	77,157	182,108
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	870,556	705,480
Recurring | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,424	2,379
Recurring | Equity securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity securities	902	929
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	2,044,513	1,627,193
Recurring | (Level 2) | U.S. Treasuries
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	157,834
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	832,373	607,480
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	104,169	129,746
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	77,157	182,108
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	870,556	705,480
Recurring | (Level 2) | U.S. corporate debt securities
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	2,424	2,379
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	$ 902	$ 929

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, 2021	Dec. 31, 2020
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	$ 5,456	$ 22,171
Other real estate owned	46	88
Gain (losses) from fair value changes, Impaired loans	(7,107)	(1,855)
Gain (losses) from fair value changes, Other real estate owned	(8)	(35)
(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
Other real estate owned	0	88
(Level 3)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Individually evaluated loans	5,456	0
Other real estate owned	$ 46	$ 0

Fair Value Measurements - Estim

Fair Value Measurements - Estimated Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
Financial Assets:
Fair Value	$ 282,288	$ 0
FHLB and ACBB stock	10,996	16,382
Financial Liabilities:
Time deposits	639,674	746,234
Securities sold under agreements to repurchase	66,787	65,845
Other borrowings	124,000	265,000
Trust preferred debentures	0	13,220
(Level 1)
Financial Assets:
Cash and cash equivalents	63,107	388,462
Fair Value	0
FHLB and ACBB 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
Accrued interest payable	0	0
(Level 2)
Financial Assets:
Cash and cash equivalents	0	0
Fair Value	282,288
FHLB and ACBB stock	10,996	16,382
Accrued interest receivable	22,597	32,025
Loans and leases, net	0	22,171
Financial Liabilities:
Time deposits	641,517	753,045
Other deposits	6,151,761	5,691,518
Securities sold under agreements to repurchase	66,787	65,845
Other borrowings	125,700	274,238
Trust preferred debentures		18,483
Accrued interest payable	901	1,727
(Level 3)
Financial Assets:
Cash and cash equivalents	0	0
Fair Value	0
FHLB and ACBB stock	0	0
Accrued interest receivable	0	0
Loans and leases, net	5,028,734	5,204,130
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
Accrued interest payable	0	0
Carrying Amount
Financial Assets:
Cash and cash equivalents	63,107	388,462
Fair Value	284,009
FHLB and ACBB stock	10,996	16,382
Accrued interest receivable	22,597	32,025
Loans and leases, net	5,032,624	5,208,658
Financial Liabilities:
Time deposits	639,674	746,234
Other deposits	6,151,761	5,691,518
Securities sold under agreements to repurchase	66,787	65,845
Other borrowings	124,000	265,000
Trust preferred debentures		13,220
Accrued interest payable	901	1,727
Fair Value
Financial Assets:
Cash and cash equivalents	63,107	388,462
Fair Value	282,288
FHLB and ACBB stock	10,996	16,382
Accrued interest receivable	22,597	32,025
Loans and leases, net	5,028,734	5,226,301
Financial Liabilities:
Time deposits	641,517	753,045
Other deposits	6,151,761	5,691,518
Securities sold under agreements to repurchase	66,787	65,845
Other borrowings	125,700	274,238
Trust preferred debentures		18,483
Accrued interest payable	$ 901	$ 1,727

Regulations and Supervision - A

Regulations and Supervision - Additional Information (Details)	12 Months Ended
	Dec. 31, 2021subsidiary_Bank	Dec. 31, 2020banking_Office	Dec. 31, 2019banking_Office
Equity [Abstract]
Number of subsidiary banks (banking office)	4	4	4

Regulations and Supervision -_2

Regulations and Supervision - Actual Capital Amounts and Ratios (Details) $ in Thousands	Dec. 31, 2021USD ($)	Dec. 31, 2020USD ($)
Banking Regulation, Total Capital [Abstract]
Total Capital (to risk-weighted assets), Actual Amount	$ 735,187	$ 720,755
Total Capital (to risk-weighted assets), Actual Ratio	0.142	0.144
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 524,345	$ 525,755
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	$ 516,519	$ 500,719
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	$ 688,425
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.133	0.131
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 361,563	$ 350,503
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	$ 335,737	$ 325,467
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	$ 688,425	$ 667,364
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.133	0.133
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 439,041	$ 425,611
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	$ 413,215	$ 400,575
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	$ 688,425	$ 667,364
Tier 1 Capital (to average assets), Actual Ratio	0.087	0.088
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 315,820	$ 305,083
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	$ 394,775	$ 381,354
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	$ 160,757	$ 157,514
Total Capital (to risk-weighted assets), Actual Ratio	0.122	0.126
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 138,104	$ 131,034
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	$ 131,527	$ 124,795
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	$ 149,154	$ 144,448
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.113	0.116
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 92,069	$ 87,356
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	$ 85,493	$ 81,117
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	$ 149,154	$ 144,448
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.113	0.116
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 111,798	$ 106,076
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	$ 105,222	$ 99,836
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	$ 149,154	$ 144,448
Tier 1 Capital (to average assets), Actual Ratio	0.079	0.081
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 75,935	$ 71,605
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	$ 94,918	$ 89,507
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	$ 136,247	$ 133,969
Total Capital (to risk-weighted assets), Actual Ratio	0.127	0.130
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 112,649	$ 108,129
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	$ 107,285	$ 102,980
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	$ 126,718	$ 122,393
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.118	0.119
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 75,100	$ 72,086
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	$ 69,735	$ 66,937
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	$ 126,718	$ 122,393
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.118	0.119
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 91,192	$ 87,533
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	$ 85,282	$ 82,384
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	$ 126,718	$ 122,393
Tier 1 Capital (to average assets), Actual Ratio	0.081	0.082
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 62,815	$ 59,742
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	$ 78,519	$ 74,678
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	$ 173,889	$ 175,931
Total Capital (to risk-weighted assets), Actual Ratio	0.136	0.137
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 134,403	$ 134,615
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	$ 128,003	$ 128,205
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	$ 163,145	$ 163,895
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.128	0.128
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 89,602	$ 89,743
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	$ 83,202	$ 83,333
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	$ 163,145	$ 163,895
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.128	0.128
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 108,803	$ 108,794
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	$ 102,403	$ 102,564
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	$ 163,145	$ 163,895
Tier 1 Capital (to average assets), Actual Ratio	0.084	0.084
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 77,953	$ 77,874
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	$ 97,441	$ 83,333
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	$ 219,976	$ 210,756
Total Capital (to risk-weighted assets), Actual Ratio	0.148	0.147
Total Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 156,631	$ 150,482
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	$ 149,172	$ 143,316
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	$ 207,632	$ 196,522
Common Equity Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.139	0.137
Common Equity Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 104,421	$ 100,321
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	$ 96,962	$ 93,156
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	$ 207,632	$ 196,522
Tier 1 Capital (to risk-weighted assets), Actual Ratio	0.139	0.137
Tier 1 Capital (to risk-weighted assets), Minimum Capital Required, Amount	$ 126,797	$ 121,819
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	$ 119,338	$ 114,653
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	$ 207,632	$ 196,522
Tier 1 Capital (to average assets), Actual Ratio	0.084	0.082
Tier 1 Capital (to average assets), Minimum Capital Required, Amount	$ 99,000	$ 95,691
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	$ 123,751	$ 119,614
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, 2021	Dec. 31, 2020	Dec. 31, 2019
Assets
Investment in subsidiaries	$ 1,600	$ 1,500
Total Assets	7,819,982	7,622,171	$ 6,725,623
Liabilities and Shareholders’ Equity
Trust preferred debentures issued to non-consolidated subsidiary	0	13,220
Other liabilities	108,819	122,665
Tompkins Financial Corporation Shareholders’ Equity	727,529	716,277
Total Liabilities and Equity	7,819,982	7,622,171
Tompkins (the Parent Company)
Assets
Cash	18,691	16,588
Investment in subsidiaries	705,723	707,721
Other	4,032	5,965
Total Assets	728,446	730,274
Liabilities and Shareholders’ Equity
Borrowings	0	0
Trust preferred debentures issued to non-consolidated subsidiary	0	13,220
Other liabilities	917	777
Tompkins Financial Corporation Shareholders’ Equity	727,529	716,277
Total Liabilities and Equity	$ 728,446	$ 730,274

Condensed Parent Company Only_4

Condensed Parent Company Only Financial Statements - Condensed Statement of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Condensed Income Statements, Captions [Line Items]
Interest expense	$ 17,526	$ 28,991	$ 50,750
Income tax benefit	(25,182)	(19,924)	(21,016)
Net Income Attributable to Tompkins Financial Corporation	89,264	77,588	81,718
Tompkins (the Parent Company)
Condensed Income Statements, Captions [Line Items]
Dividends received from subsidiaries	81,408	60,818	72,827
Other income	279	52	240
Total Operating Income	81,687	60,870	73,067
Interest expense	2,232	1,241	1,450
Other expenses	9,039	9,184	8,409
Total Operating Expenses	11,271	10,425	9,859
Earnings of Subsidiaries	70,416	50,445	63,208
Income tax benefit	2,068	2,160	2,085
Equity in undistributed earnings of subsidiaries	16,780	24,983	16,425
Net Income Attributable to Tompkins Financial Corporation	$ 89,264	$ 77,588	$ 81,718

Condensed Parent Company Only_5

Condensed Parent Company Only Financial Statements - Condensed Cash Flow Statements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Operating activities
Net income	$ 89,264	$ 77,588	$ 81,718
Adjustments to reconcile net income to net cash provided by operating activities
Other, net	(11,223)	6,218	(8,113)
Net Cash Provided by Operating Activities	121,177	101,387	101,615
Investing activities
Other, net	23	489	5,209
Net Cash (Used in) Provided by Investing Activities	(583,294)	(643,719)	133,986
Financing activities
Cash dividends	(32,415)	(31,359)	(30,637)
Repurchase of common shares	(23,773)	(9,414)	(29,867)
Redemption of trust preferred debentures	(15,150)	(4,124)	0
Net proceeds from restricted stock awards	(2,292)	(1,682)	(1,875)
Shares issued for dividend reinvestment plan	2	1,825	0
Net proceeds from exercise of stock options	(803)	(253)	(992)
Net Cash Provided by (Used in) Financing Activities	136,762	792,812	(178,008)
Net (Decrease) Increase Cash and Cash Equivalents	(325,355)	250,480	57,593
Cash and cash equivalents at beginning of year	388,462	137,982	80,389
Total Cash & Cash Equivalents at End of Year	63,107	388,462	137,982
Tompkins (the Parent Company)
Operating activities
Net income	89,264	77,588	81,718
Adjustments to reconcile net income to net cash provided by operating activities
Equity in undistributed earnings of subsidiaries	(16,780)	(24,983)	(16,425)
Other, net	4,126	(1,541)	3,209
Net Cash Provided by Operating Activities	76,610	51,064	68,502
Investing activities
Other, net	(76)	(100)	3,265
Net Cash (Used in) Provided by Investing Activities	(76)	(100)	3,265
Financing activities
Borrowings, net	0	(4,000)	0
Cash dividends	(32,415)	(31,359)	(30,637)
Repurchase of common shares	(23,773)	(9,414)	(29,867)
Redemption of trust preferred debentures	(15,150)	(4,124)	0
Net proceeds from restricted stock awards	(2,292)	(1,682)	(1,875)
Shares issued for dividend reinvestment plan	2	1,825	0
Shares issued for employee stock ownership plan	0	0	0
Net proceeds from exercise of stock options	(803)	(253)	(992)
Net Cash Provided by (Used in) Financing Activities	(74,431)	(49,007)	(63,371)
Net (Decrease) Increase Cash and Cash Equivalents	2,103	1,957	8,396
Cash and cash equivalents at beginning of year	16,588	14,631	6,235
Total Cash & Cash Equivalents at End of Year	$ 18,691	$ 16,588	$ 14,631

Segment and Related Informati_3

Segment and Related Information - Narrative (Details)	12 Months Ended
	Dec. 31, 2021segment	Dec. 31, 2021subsidiary_Bank	Dec. 31, 2021banking_Office	Dec. 31, 2021subsidiaryTrust	Dec. 31, 2021office	Dec. 31, 2020banking_Office	Dec. 31, 2019banking_Office
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			13
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, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2018
Segment Reporting Information [Line Items]
Interest income	$ 241,318	$ 254,330	$ 261,378
Interest expense	17,526	28,991	50,750
Net interest income	223,792	225,339	210,628
(Credit) provision for credit loss expense	(2,219)	17,213	1,366
Noninterest income	78,849	73,860	75,433
Noninterest expense	190,287	184,320	181,834
Income Before Income Tax Expense	114,573	97,666	102,861
Income tax expense	25,182	19,924	21,016
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	89,391	77,742	81,845
Less: Net income attributable to noncontrolling interests	127	154	127
Net Income Attributable to Tompkins Financial Corporation	89,264	77,588	81,718
Depreciation and amortization	10,250	10,192	10,044
Assets	7,819,982	7,622,171	6,725,623
Goodwill	92,447	92,447	92,447
Other intangibles, net	3,643	4,905	6,223
Net Loans and Leases	5,032,624	5,208,658	4,877,658
Deposits	6,791,435	6,437,752	5,212,921
Total equity	728,941	717,689	663,054	$ 620,871
Banking
Segment Reporting Information [Line Items]
Goodwill	64,369	64,369	64,369
Insurance
Segment Reporting Information [Line Items]
Goodwill	19,867	19,867	19,867
Wealth Management
Segment Reporting Information [Line Items]
Goodwill	8,211	8,211	8,211
Operating Segments | Banking
Segment Reporting Information [Line Items]
Interest income	241,322	254,330	261,378
Interest expense	17,541	28,995	50,753
Net interest income	223,781	225,335	210,625
(Credit) provision for credit loss expense	(2,219)	17,213	1,366
Noninterest income	25,944	26,015	29,054
Noninterest expense	152,624	147,680	145,102
Income Before Income Tax Expense	99,320	86,457	93,211
Income tax expense	21,257	17,033	18,598
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	78,063	69,424	74,613
Less: Net income attributable to noncontrolling interests	127	154	127
Net Income Attributable to Tompkins Financial Corporation	77,936	69,270	74,486
Depreciation and amortization	9,987	9,912	9,778
Assets	7,794,561	7,564,342	6,671,409
Goodwill	64,370	64,370	64,370
Other intangibles, net	1,571	2,418	3,215
Net Loans and Leases	5,032,624	5,208,658	4,877,658
Deposits	6,802,852	6,449,289	5,223,893
Total equity	664,800	660,334	608,901
Operating Segments | Insurance
Segment Reporting Information [Line Items]
Interest income	11	4	3
Interest expense	0	0	0
Net interest income	11	4	3
(Credit) provision for credit loss expense	0	0	0
Noninterest income	35,430	31,930	31,501
Noninterest expense	26,857	25,941	25,908
Income Before Income Tax Expense	8,584	5,993	5,596
Income tax expense	2,326	1,625	1,426
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	6,258	4,368	4,170
Less: Net income attributable to noncontrolling interests	0	0	0
Net Income Attributable to Tompkins Financial Corporation	6,258	4,368	4,170
Depreciation and amortization	208	229	225
Assets	42,879	41,812	41,841
Goodwill	19,866	19,866	19,866
Other intangibles, net	2,004	2,398	2,860
Net Loans and Leases	0	0	0
Deposits	0	0	0
Total equity	33,171	31,455	32,204
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
(Credit) provision for credit loss expense	0	0	0
Noninterest income	19,727	18,131	17,001
Noninterest expense	13,058	12,915	12,947
Income Before Income Tax Expense	6,669	5,216	4,054
Income tax expense	1,599	1,266	992
Net Income Attributable to Noncontrolling Interests and Tompkins Financial Corporation	5,070	3,950	3,062
Less: Net income attributable to noncontrolling interests	0	0	0
Net Income Attributable to Tompkins Financial Corporation	5,070	3,950	3,062
Depreciation and amortization	55	51	41
Assets	33,735	28,616	24,313
Goodwill	8,211	8,211	8,211
Other intangibles, net	68	89	148
Net Loans and Leases	0	0	0
Deposits	0	0	0
Total equity	30,970	25,900	21,949
Intercompany
Segment Reporting Information [Line Items]
Interest income	(15)	(4)	(3)
Interest expense	(15)	(4)	(3)
Net interest income	0	0	0
(Credit) provision for credit loss expense	0	0	0
Noninterest income	(2,252)	(2,216)	(2,123)
Noninterest expense	(2,252)	(2,216)	(2,123)
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	(51,193)	(12,599)	(11,940)
Goodwill	0	0	0
Other intangibles, net	0	0	0
Net Loans and Leases	0	0	0
Deposits	(11,417)	(11,537)	(10,972)
Total equity	$ 0	$ 0	$ 0