SB One Bancorp (SBBX) 10-K 18 Mar 19 2018 FY Annual report Financial data

Document and Entity Information

Document and Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2018	Mar. 07, 2019	Jun. 30, 2018
Document And Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2018
Document Fiscal Period Focus	FY
Document Fiscal Year Focus	2018
Entity Registrant Name	SB ONE BANCORP
Entity Central Index Key	0001028954
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Trading Symbol	sbbx
Entity Common Stock, Shares Outstanding		9,501,741
Entity Current Reporting Status	Yes
Entity Public Float			$ 235,509,506
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 11,768	$ 3,270
Interest-bearing deposits with other banks	14,910	8,376
Cash and cash equivalents	26,678	11,646
Interest bearing time deposits with other banks	200	100
Securities available for sale, at fair value	182,139	98,730
Securities held to maturity, at amortized cost (fair value of $4,152 and $5,430 at December 31, 2018 and December 31, 2017, respectively)	4,078	5,304
Other Bank Stock, at cost	11,764	4,925
Loans receivable, net of unearned income	1,474,775	820,700
Less: allowance for loan losses	8,775	7,335
Net loans receivable	1,466,000	813,365
Foreclosed real estate	4,149	2,275
Premises and equipment, net	19,215	8,389
Accrued interest receivable	6,546	2,472
Goodwill and intangible assets	29,446	2,820
Bank-owned life insurance	35,778	22,054
Other assets	9,710	7,303
Total Assets	1,795,703	979,383
Deposits:
Non-interest bearing	259,807	146,167
Interest bearing	1,094,132	616,324
Total deposits	1,353,939	762,491
Short-term borrowings	175,295	55,350
Long-term borrowings	44,611	35,000
Accrued interest payable and other liabilities	8,555	4,501
Subordinated debentures	27,859	27,848
Total Liabilities	1,610,259	885,190
Stockholders' Equity:
Preferred stock, no par value, 1,000,000 shares authorized; none issued	0	0
Common stock, no par value, 10,000,000 shares authorized; 9,532,943 and 6,040,564 shares issued and 9,532,943 and 6,040,564 shares outstanding at December 31, 2018 and December 31, 2017, respectively	150,419	65,274
Deferred Compensation obligation under Rabbi Trust	1,647	1,399
Retained earnings	35,192	27,532
Accumulated other comprehensive (loss) income	(167)	1,387
Stock held by Rabbi Trust	(1,647)	(1,399)
Total Stockholders' Equity	185,444	94,193
Total Liabilities and Stockholders' Equity	$ 1,795,703	$ 979,383

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Statement of Financial Position [Abstract]
Fair Value	$ 4,152	$ 5,430
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	9,532,943	6,040,564
Common stock, shares outstanding (in shares)	9,532,943	6,040,564

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
INTEREST INCOME
Loans receivable, including fees	$ 51,359	$ 32,953
Securities:
Taxable	3,507	1,437
Tax-exempt	1,744	1,274
Interest bearing deposits	99	35
Total Interest Income	56,709	35,699
INTEREST EXPENSE
Deposits	8,078	3,584
Borrowings	3,288	1,749
Subordinated debentures	1,263	1,278
Total Interest Expense	12,629	6,611
Net Interest Income	44,080	29,088
PROVISION FOR LOAN LOSSES	1,437	1,586
Net Interest Income after Provision for Loan Losses	42,643	27,502
OTHER INCOME
Service fees on deposit accounts	1,290	1,123
ATM and debit card fees	983	777
Bank-owned life insurance	761	522
Insurance commissions and fees	6,640	5,326
Investment brokerage fees	104	24
Net gain (loss) on sales of securities	36	(9)
Net loss on sale and disposal of premises and equipment	9	7
Other	926	515
Total Other Income	10,749	8,285
OTHER EXPENSES
Salaries and employee benefits	20,710	14,773
Occupancy, net	2,776	1,880
Data processing	3,351	2,173
Furniture and equipment	1,194	938
Advertising and promotion	587	308
Professional fees	1,412	1,173
Director fees	550	399
FDIC assessment	529	263
Insurance	210	279
Stationary and supplies	285	148
Merger-related expenses	5,804	1,187
Loan collection costs	255	122
Net expenses and write-downs related to foreclosed real estate	324	283
Amortization of intangible assets	247	0
Other	2,176	1,691
Total Other Expenses	40,410	25,617
Income before Income Taxes	12,982	10,170
EXPENSE FOR INCOME TAXES	3,059	4,479
Net Income	9,923	5,691
OTHER COMPREHENSIVE (LOSS) INCOME:
Unrealized (losses) gains on available for sale securities arising during the period	(1,966)	1,682
Fair value adjustments on derivatives	(116)	(196)
Fair value adjustments on retirement benefits	11	0
Reclassification adjustment for net loss (gain) on securities transactions included in net income	(36)	9
Income tax related to items of other comprehensive income and loss	553	(598)
Other comprehensive (loss) income, net of income taxes	(1,554)	897
Comprehensive income	$ 8,369	$ 6,588
EARNINGS PER SHARE
Basic (in dollars per share)	$ 1.26	$ 1.06
Diluted (in dollars per share)	$ 1.25	$ 1.05

CONSOLIDATED STATEMENTS OF STOC

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Common Stock	Deferred Compensation Obligation Under Rabbi Trust	Retained Earnings	Accumulated Other Comprehensive Income (Loss)	Stock Held by Rabbi Trust
Beginning balance at Dec. 31, 2016	$ 60,072	$ 36,538	$ 1,383	$ 23,291	$ 243	$ (1,383)
Beginning balance (in shares) at Dec. 31, 2016		4,741,068
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	5,691			5,691
Other comprehensive income (loss)	897				897
Funding of Supplemental Director Retirement Plan	0		16			(16)
Net proceeds of common stock issued	28,027	$ 28,027
Net proceeds of common stock issued (in shares)		1,249,999
Restricted stock granted (in shares)		53,554
Restricted stock forfeited (in shares)		(4,057)
Compensation expense related to stock option and restricted stock grants	709	$ 709
Dividends declared on common stock	(1,203)			(1,203)
Ending balance at Dec. 31, 2017	$ 94,193	$ 65,274	1,399	27,532	1,387	(1,399)
Ending balance (in shares) at Dec. 31, 2017	6,040,564	6,040,564
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	$ 9,923			9,923
Other comprehensive income (loss)	(1,554)				(1,554)
Shares issued in mergers	84,329	$ 84,329
Shares issued in mergers (in shares)		3,446,482
Funding of Supplemental Director Retirement Plan	0		248			(248)
Restricted stock granted (in shares)		50,045
Restricted stock forfeited (in shares)		(4,148)
Compensation expense related to stock option and restricted stock grants	816	$ 816
Dividends declared on common stock	(2,263)			(2,263)
Ending balance at Dec. 31, 2018	$ 185,444	$ 150,419	$ 1,647	$ 35,192	$ (167)	$ (1,647)
Ending balance (in shares) at Dec. 31, 2018	9,532,943	9,532,943

CONSOLIDATED STATEMENTS OF ST_2

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement of Stockholders' Equity [Abstract]
Dividends declared (in dollars per share)	$ 0.285	$ 0.22

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Cash Flows from Operating Activities
Net income	$ 9,923	$ 5,691
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,437	1,586
Depreciation and amortization	1,836	1,061
Net amortization of securities premiums and discounts	2,046	1,656
Amortization of subordinated debt costs	11	8
Net realized (gain) loss on sale of securities	(36)	9
Net realized (gain) loss on sale and disposal of premises and equipment	(9)	(7)
Net realized (gain) loss on sale of foreclosed real estate	(18)	(46)
Write-downs of and provisions for foreclosed real estate	218	236
Deferred income tax (benefit) expense	(446)	637
Earnings on bank-owned life insurance	(761)	(522)
Compensation expense for stock options and stock awards	816	709
(Increase) decrease in assets:
Accrued interest receivable	(2,370)	(414)
Other assets	3,138	(1,145)
Increase in accrued interest payable and other liabilities	418	411
Net Cash Provided by Operating Activities	16,203	9,870
Cash Flows from Investing Activities
Net cash acquired in acquisitions	15,846	0
Securities available for sale:
Purchases	(101,664)	(61,190)
Sales	82,725	42,594
Maturities, calls and principal repayments	9,659	8,532
Securities held to maturity:
Purchases	(1,279)	(2,478)
Maturities, calls and principal repayments	2,466	8,763
Net increase in loans	(161,240)	(126,885)
Proceeds from the sale of foreclosed real estate	836	834
Purchases of bank premises and equipment	(1,426)	(1,184)
Proceeds from the sale of premises and equipment	53	32
Purchases of bank owned life insurance	(5,000)	(5,000)
Net (increase) in Federal Home Loan Bank stock	(3,304)	181
Net Cash Used in Investing Activities	(162,328)	(135,801)
Cash Flows from Financing Activities
Net increase in deposits	92,970	101,570
Net increase (decrease) in short-term borrowed funds	85,450	25,545
Repayment of long-term borrowings	(15,000)	(31,000)
Net proceeds from capital raise	0	28,027
Dividends paid	(2,263)	(1,203)
Net Cash Provided by Financing Activities	161,157	122,939
Net Increase in Cash and Cash Equivalents	15,032	(2,992)
Cash and Cash Equivalents - Beginning	11,646	14,638
Cash and Cash Equivalents - Ending	26,678	11,646
Supplementary Cash Flows Information
Interest paid	11,619	6,505
Income taxes paid	3,111	4,035
Supplementary Schedule of Noncash Investing and Financing Activities
Foreclosed real estate acquired in settlement of loans	348	495
Other real estate owned transferred from fixed assets	0	437
Non-cash assets acquired:
Other bank stock	3,535	0
Securities available for sale	78,102	0
Loans	493,180	0
Foreclosed real estate	2,562	0
Premises and equipment	11,034	0
Interest receivable	1,704	0
Bank owned life insurance	7,963	0
Goodwill and intangibles assets	26,872	0
Other assets	4,841	0
Total non-cash assets acquired	629,793	0
Liabilities assumed:
Deposits	(498,478)	0
Borrowings	(59,106)	0
Other liabilities	(3,726)	0
Total liabilities assumed	(561,310)	0
Common stock issued for acquisitions	$ (84,329)	$ 0

SUMMARY OF SIGNIFICANT ACCOUNTI

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Principles of Consolidation The consolidated financial statements include the accounts of SB One Bancorp (the “Company”), formerly Sussex Bancorp, and its wholly owned subsidiary, SB One Bank (the “Bank”), formerly Sussex Bank. The Bank’s wholly owned subsidiaries are SCB Investment Company, Inc., SCBNY Company, Inc., Community Investing Company, Inc., ClassicLake Enterprises, LLC, GFR Maywood LLC, 490 Boulevard Realty Corp., PPD Holding Company, LLC and SB One Insurance Agency, Inc. (“SB One Insurance Agency”), formerly Tri-State Insurance Agency, Inc. All intercompany transactions and balances have been eliminated in consolidation. Organization and Nature of Operations The Company’s business is conducted principally through the Bank. The Bank is a New Jersey state chartered bank and provides full banking services. The Bank generates commercial, mortgage and consumer loans and receives deposits from customers at its eight branches located in Sussex County, New Jersey, two branches in Essex County, New Jersey, one branch in Warren County, New Jersey, one branch in Bergen County, New Jersey, one branch in Middlesex County, New Jersey, one branch in Union County, New Jersey, and one in Queens County, New York. As a state bank, the Bank is subject to regulation by the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation. The Company is subject to regulation by the Federal Reserve Board. SCB Investment Company, Inc., Community Investing Company, Inc. and SCBNY Company, Inc. hold portions of the Bank’s investment portfolio. SB One Insurance provides insurance agency services mostly through the sale of property and casualty insurance policies. ClassicLake Enterprises, LLC, and PPD Holding Company, LLC, GFR Maywood LLC and 490 Boulevard Realty Corp. hold certain foreclosed properties. In 2018, the Company opened a corporate office in Rockaway, New Jersey, a regional office and corporate centers in Wantage, New Jersey and Rochelle Park, New Jersey. Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the other-than-temporary impairment, allowance for loan losses, valuation of foreclosed real estate, valuation of goodwill, the valuation of deferred tax assets and the fair value of financial instruments. Business Combinations The Company accounts for business combinations under the purchase method of accounting. The application of this method of accounting requires the use of significant estimates and assumptions in the determination of the fair value of assets acquired and liabilities assumed in order to properly allocate purchase price consideration between assets that are amortized, accreted or depreciated from those that are recorded as goodwill. Our estimates of the fair values of assets acquired and liabilities assumed are based upon assumptions that we believe to be reasonable, and whenever necessary, include assistance from independent third-party appraisal and valuation firms. Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within Sussex, Bergen, and Essex Counties and adjacent counties in the states of New Jersey, New York and Pennsylvania. Notes 4 and 5 discuss the types of securities that the Company invests in. The types of lending that the Company engages are included in Note 6. Although the Company has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy. The Company does not have any significant concentrations in any one industry or customer. Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include highly liquid instruments with original maturities of less than 90 days, primarily, balances due from banks, interest bearing deposits with banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods. Securities Securities are designated at the time of acquisition as available for sale or held to maturity. Securities that the Company will hold for indefinite periods of time and that might be sold in the future as part of efforts to manage interest rate risk or in response to changes in interest rates, changes in prepayment risk, changes in market conditions or changes in economic factors are classified as available for sale. Securities available for sale are carried at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive (loss) income, net of related deferred tax effect. Securities that the Company has the positive intent and ability to hold to maturity are designated as held to maturity regardless of changes in market conditions, liquidity needs or changes in general economic conditions and carried at amortized cost. Purchase premiums and discounts are recognized in interest income using the level yield method over the contractual terms of the securities. Gains and losses realized on sales of securities are determined on the specific identification method and are reported in non-interest income. The Company periodically evaluates the security portfolio to determine if a decline in the fair value of any security below its cost basis is other-than-temporary. The Company’s evaluation of other-than-temporary impairment considers the duration and severity of the impairment, the company’s intent and ability to hold the securities and our assessments of the reason for the decline in value and the likelihood of a near-term recovery. If a determination is made that a debt security is other-than-temporarily impaired, the Company will estimate the amount of the unrealized loss that is attributable to credit and all other non-credit related factors. The credit related component will be recognized as an other-than-temporary impairment charge in non-interest income. The non-credit related component will be recorded as an adjustment to accumulated other comprehensive income (“AOCI”), net of tax. Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. Based on redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost. The FHLB stock was carried at $11.4 million and $4.9 million for the years ended December 31, 2018 and 2017 , respectively. Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Bank is generally amortizing these amounts over the contractual life of the loan. The loans receivable portfolio is segmented into commercial and residential and consumer loans. Commercial loans consist of the following classes: commercial and industrial, commercial real estate, and construction loans. Residential and consumer loans consist of the following classes: residential real estate and consumer and other loans. For all classes of loans, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans including impaired loans generally are either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments. Purchased Credit Impaired (“PCI”) loans are loans acquired at a discount rate, in part, to credit quality. PCI loans are accounted for in accordance with ASC Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality”, and are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance (i.e., the allowance for loan losses). The difference between the undiscounted cash flows expected at acquisition and the initial carrying amount (fair value) of the PCI loans, or the “accretable yield,” is recognized as interest income utilizing the level-yield method over the life of the loans. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment, as a loss accrual or a valuation allowance. Reclassifications of the non-accretable difference to the accretable yield may occur subsequent to the loan acquisition dates due to increases in expected cash flows of the loans and would result in an increase in yield on a prospective basis. Allowance for Loan Losses The allowance for loan losses represents the amount, which, in management’s judgment, will be adequate to absorb credit losses inherent in the loan portfolio as of the balance sheet date. The adequacy of the allowance is determined by management’s evaluation of the loan portfolio based on such factors as the differing economic risks associated with each loan category, the current financial condition of specific borrowers, the economic environment in which borrowers operate, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or indemnifications. The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance for loan losses. The allowance for loan losses consists of specific, general and unallocated components. The specific component relates to loans that are classified as impaired. For such loans, an allowance is established when the discounted cash flows, collateral value or observable market price is lower than the carrying value for that loan. The general component covers all other loans and is based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations and local/national economic trends. The allowance contains reserves identified as unallocated. These reserves reflect management's attempt to ensure that the overall allowance reflects a margin for imprecision and the uncertainty that is inherent in estimates of probable credit losses. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and industrial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price or the fair value of the collateral if the loan is collateral dependent. Troubled Debt Restructurings (“TDR”) A modification to the terms of a loan is generally considered a TDR if the Company grants a concession to the borrower that it would not otherwise consider for economic or legal reasons related to the debtor’s financial difficulties. A TDR may include, but is not necessarily limited to, the modification of loan terms such as a temporary or permanent reduction of the loan’s stated interest rate, extension of the maturity date and/or reduction or deferral of amounts owed under the terms of the loan agreement. All restructured loans that qualify as TDRs are placed on nonaccrual status for a period of no less than six months after restructuring, irrespective of the borrower’s adherence to a TDR’s modified repayment terms during which time TDRs continue to be adversely classified and reported as impaired. TDRs may be returned to accrual status if (1) the borrower has performed in accordance with the terms of the restructured loan agreement for no less than six consecutive months after restructuring, and (2) the Company expects to receive all principal and interest owed in accordance with the terms of the restructured loan agreement. If these conditions are met the loan may also be returned to a non-adverse classification while retaining its impaired status. Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Foreclosed Real Estate Foreclosed real estate is primarily comprised of property acquired through a foreclosure proceeding or acceptance of a deed-in-lieu of foreclosure. Foreclosed real estate is initially recorded at fair value, less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Revenues and expenses from operations and changes in the valuation allowance are included in expenses related to foreclosed real estate. We may obtain physical possession of residential real estate collateralizing a consumer mortgage loan via foreclosure on an in-substance repossession. As of December 31, 2018 , we held $ 1.3 million in foreclosed residential real estate properties as a result of obtaining physical possession. As of December 31, 2017, we held $179 thousand in foreclosed residential real estate properties as a result of obtaining physical possession. In addition, as of December 31, 2018 and 2017, we had consumer loans with a carrying value of $682 thousand and $180 thousand , respectively, collateralized by residential real estate property for which formal foreclosure proceedings were in process. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: Years Buildings and building improvements 20 – 40 Leasehold improvements 5 – 10 Furniture, fixtures and equipment 5 – 10 Computer equipment and software 3 – 5 The Company periodically evaluates impairment of long-lived assets to be held and used or to be disposed of by sale. There was no impairment of long-lived assets at any of the reported periods. Bank-owned Life Insurance (“BOLI”) BOLI is carried at the amount that could be realized under the Company’s life insurance contracts as of the date of the consolidated balance sheets and is classified as a non-interest earning asset. BOLI involves purchasing life insurance by the Company on a chosen group of employees in order to fund certain employee and director benefits. The Company is the owner and beneficiary of the policies. Increases in the carrying value are recorded as other income in the consolidated statements of income and insurance proceeds received are generally recorded as a reduction of the carrying value. The carrying value consists of cash surrender value of $35.8 million at December 31, 2018 and $22.1 million at December 31, 2017 . Goodwill and intangible assets Goodwill represents the excess of the purchase price over the fair market value of net assets acquired. At December 31, 2018 and 2017 , the Company has recorded goodwill totaling $27.3 million and $2.8 million , respectively, consisting of $22.3 million from the acquisition of Community in 2018, $2.2 million from the acquisition of Enterprise in 2018, $2.3 million from the acquisition of an insurance agency in 2001 and $486 thousand from the acquisition of a bank branch in 2006. In accordance with current accounting standards, goodwill is not amortized, but evaluated at least annually for impairment. Any impairment of goodwill results in a charge to income. The Company periodically assesses whether events and changes in circumstances indicate that the carrying amounts of goodwill and intangible assets may be impaired. The estimated fair value of each reporting segment exceeded its book value; therefore, no write-down of goodwill was required. Goodwill related to acquisitions is not deductible for tax purposes. The balance of other intangible assets at December 31, 2018 totaled $2.1 million representing the remaining unamortized balance of the core deposit intangibles ascribed to the value of deposits acquired by the Bank through the acquisitions of Community in January 2018 and Enterprise in December 2018. The Company did not have intangible assets at December 31, 2017. Core deposit premiums represent the intangible value of depositor relationships assumed in purchase acquisitions and are amortized on an accelerated basis over 10 years . Advertising Costs The Company follows the policy of charging the costs of advertising to expense as incurred. Income Taxes The Company accounts for income taxes under the asset/liability method in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification 740, Income Taxes . The income tax guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. 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, as well as operating loss and tax credit carry forwards. 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 in which they occur. A valuation allowance is established against deferred tax assets when, in the judgment of management, it is more likely than not that such deferred tax assets will not become available. Because the judgment about the level of future taxable income is dependent to a great extent on matters that may, at least in part, be beyond the Company’s control, it is at least reasonably possible that management’s judgment about the need for a valuation allowance for deferred taxes could change in the near term. In connection with the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions, the Company has evaluated its tax positions as of December 31, 2018 . A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of the tax benefit that has more than a 50 percent likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Under the “more likely than not” threshold guidelines, the Company believes no significant uncertain tax positions exist, either individually or in the aggregate, that would give rise to the non-recognition of an existing tax benefit. As of December 31, 2018 the Company had no material unrecognized tax benefits or accrued interest or penalties. The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense. The Company and its subsidiaries file a consolidated federal income tax return as well as income tax returns in the States of New Jersey, New York and Pennsylvania. The Company’s federal and state income tax returns subsequent to 2015 remain subject to examination by respective tax authorities. Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the balance sheet when they are funded. Derivatives The Company utilizes derivative instruments in the form of interest rate swaps to hedge the variability in its cash flows due to interest rate risk. The variability in cash flows is managed as part of the Company’s asset/liability management process. In accordance with accounting requirements, the Company formally designates all of its hedging relationships as cash flow hedges, intended to offset changes in the cash flows of certain financial instruments due to movement in interest rates, and documents the strategy for undertaking the hedge transactions and its method of assessing ongoing effectiveness. All derivatives are recognized as either assets or liabilities in the Consolidated Financial Statements at their fair values. Should the cash flow hedge become ineffective, the ineffective portion of changes in fair value (i.e. gain or loss) is reported in current period earnings. The effective portion of the change in fair value is initially recorded as a component of other comprehensive income (loss) and subsequently reclassified into earnings when the hedged transaction effects earnings. Derivative effectiveness and ineffectiveness will be assessed and measured at the date of designation (inception), each reporting date, and whenever a designated hedge period is terminated to ensure that ongoing high effectiveness is expected by regression analysis of the periodic change in fair value of the hedging instrument and the periodic change in fair value of the hypothetical derivative. The Company’s interest rate derivatives are comprised entirely of interest rate swaps hedging floating-rate and forecasted issuances of fixed-rate liabilities and accounted for as cash flow hedges. The carrying value of interest rate derivatives is included in the balance of other assets or other liabilities. Changes in fair value are offset against accumulated other comprehensive income, net of deferred income tax. Stock Compensation Plans The Company currently has multiple stock plans in place for employees and directors of the Company. U.S. GAAP requires that the compensation cost relating to share-based payment transactions be recognized in financial statements. The share-based compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over a defined vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite vesting period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. If pre-vesting termination (forfeiture) occurs, then any expense recognized to date can be reversed. Effective in 2016, the Company and Bank amended the Directors’ Deferred Compensation Agreement (“DCA”) to permit directors of the Company and Bank to defer their board fees in the form of shares of to be held in Rabbi Trust. Fees deferred in the form of shares placed in the Rabbi Trust are accounted for and disclosed in accordance with the applicable guidance specific to deferred compensation plans involving Rabbi Trusts contained within Accounting Standards Codification (“ASC”) section 710. Earnings per Share Basic earnings per share represents net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. The weighted-average common shares outstanding include the weighted-average number of shares of common stock outstanding and the weighted average number of unvested shares of participating restricted stock. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to unexercised outstanding stock options. Potential common shares related to stock options are determined using the treasury stock method. Shares held by the Rabbi Trust are treated as treasury stock for purposes of basic and diluted earnings per share calculations while the related share obligations are reflection in the denominator of the earnings per share calculations in accordance with the provisions of ASC 260-10-45. Comprehensive Income Comprehensive income includes net income and all other changes in equity during a period except those resulting from investments by owners and distributions to owners. Other comprehensive income includes revenues, expenses, gains and losses that under U.S. GAAP are included in comprehensive income but excluded from net income. Comprehensive income and accumulated other comprehensive income (“AOCI”) are reported net of related income taxes. AOCI for the Company consists of unrealized holding gains or losses on securities available for sale and fair value adjustments on derivatives. Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its branch and automated teller machine networks, the Bank offers a full array of commercial and retail financial services, including taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of other financial services. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, trust and mortgage banking operations of the Bank. As such, discrete financial information is not available and segment reporting would not be meaningful. The Company’s insurance agency is managed separately from the traditional banking and related financial services that the Company offers. The insurance operations provides primarily property and casualty coverage. See Note 3 for segment reporting of insurance operations. Insurance Agency Operations SB One Insurance is a retail insurance broker operating in the State of New Jersey. The insurance agency’s primary source of revenue is commission income, which is earned by placing insurance coverage for its customers with various insurance underwriters. The insurance agency places basic property and casualty, life and health coverage with about twenty different insurance carriers. There are two main billing processes, direct billing (currently accounts for approximately 80% of revenues) and agency billing. Revenue Recognition of SB One Insurance Agency Commission revenues are recognized as of the effective date of the insurance policy or the date on which the policy premium is processed into our systems, whichever is later. Commission revenues related to installment billings are recognized on the latter of effective or invoiced date. Subsequent commission adjustments are recognized upon our receipt of notification from insurance companies concerning matters necessitating such adjustments. Profit-sharing contingent commissions are recognized when determinable, which is generally when such commissions are received from insurance companies, or when we receive formal notification of the amount of such payments. Subsequent Events The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2018 for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued. New Accounting Standards In May 2014, the FASB issued an Accounting Standard Update (“ASU”) 2014-09 to amend its guidance on “Revenue from Contracts with Customers, (Topic 606). The objective of the ASU is to align the recognition of revenue with the transfer of promised goods or services provided to customers in an amount that reflects the consideration which the entity expects to be entitled in exchange for those goods or services. This ASU will replace most existing revenue recognition guidance under U.S. GAAP when it becomes effective. In August 2015, the FASB issued an amendment (ASU 2015-14) which defers the effective date of this new guidance by one year. More detailed implementation guidance on Topic 606 was issued in March 2016 (ASU 2016-08), April 2016 (ASU 2016-10) May 2016 (ASU 2016-12), December 2016 (ASU 2016-20), February 2017 (ASU 2017-05) and September 2017 (ASU 2017-13), and the effective date and transition requirements for these ASUs are the same as the effective date and transition requirements of ASU 2014-09. The amendments in Topic 606 are effective for public business entities for annual periods beginning after December 15, 2017. Approximately 80% of the Company’s revenue is comprised of interest income on financial assets, which are explicitly excluded from the scope of Topic 606. With respect to the remaining elements of our non-interest income, management has identified revenue streams within the scope of the guidance, primarily insurance commissions and fees, service fees on deposits and ATM and debit card fees. Topic 606 states that revenue should be recognized when the entity satisfies a performance obligation by transferring goods or services to the customer. An asset is considered transferred when the customer obtains control of the asset and is able to use and obtain substantially all of the benefits of the asset. The entity then has to determine whether the performance obligation was satisfied over time or at a point in time to determine when to recognize revenue. For insurance commissions and fees, we determined based on the criteria presented in Topic 606 that once

ACQUISITIONS

ACQUISITIONS	12 Months Ended
	Dec. 31, 2018
Business Combinations [Abstract]
ACQUISITIONS	ACQUISITIONS On January 4, 2018 the Company announced the successful closing of the merger with Community Bank of Bergen County, NJ, a New Jersey-chartered bank (“Community”) in an all-stock transaction (the “Community Merger”). The Community Merger enhanced and expanded SB One Bank’s presence in Bergen County, New Jersey with the addition of 3 full service branch locations in that county, which complements SB One Bank’s existing location in Oradell, New Jersey. Under the terms of the agreement, Community merged with and into SB One Bank, with SB One Bank being the surviving entity and each outstanding share of Community common stock was exchanged for 0.97 shares of the Company's common stock. The Company issued 1,873,028 shares of its common stock, having an aggregate fair value of $51.9 million in the Community Merger and paid approximately $2 thousand in cash for fractional shares. Outstanding Community stock options were paid out in cash by the Company for a total payment of $140 thousand . Expenses related to the Community merger totaled $4.0 million and $1.2 million for the years ended December 31 2018 and 2017, respectively. O n December 21, 2018, the Company announced the successful completion of the merger with Enterprise Bank N.J. (“Enterprise”) in an all-stock transaction (the "Enterprise Merger"). The Enterprise Merger is expected to enhance and expand the Company's presence in Union, Middlesex and Essex Counties, New Jersey with the addition of 4 full service branch locations in those counties. Pursuant to the terms of the merger agreement, Enterprise merged with and into SB One Bank and each outstanding share of Enterprise common stock was exchanged for 0.4538 shares of the Company’s common stock. The Company issued 1,573,454 shares of its common stock, having an aggregate fair value of $32.4 million and paid approximately $1 thousand in cash for fractional shares. Outstanding Enterprise stock options were paid out in cash by the Company for a total payment of $1.6 million . Expenses related to the Enterprise merger totaled $1.8 million for the year ended December 31, 2018 Community The Community acquisition was accounted for under the acquisition method of accounting. Accordingly, the assets acquired and liabilities assumed in the acquisition were recorded at their estimated fair values based on management's best estimate using information available at the date of the acquisition, including the use of a third party valuation specialist. The following table summarized the estimated fair value of the acquired assets and liabilities assumed at the date of acquisition for Community. (Dollars in thousands) January 4, 2018 Cash and cash equivalents $ 6,693 Interest bearing time deposits with other banks 100 Securities available for sale 75,909 Other bank stock 1,155 Loans 236,010 Foreclosed real estate 1,312 Premises and equipment, net 10,612 Accrued interest receivable 824 Goodwill (banking segment) 22,298 Intangibles assets 1,331 Bank-owned life insurance 7,963 Other assets 1,677 Total Assets $ 365,884 Deposits $ (301,157 ) Borrowings (12,000 ) Other liabilities (844 ) Total Liabilities $ (314,001 ) Net consideration paid - common shares issued $ 51,883 The fair values of deposit liabilities with no stated maturities such as checking, money market and savings accounts, were assumed to equal the carrying amounts since these deposits are payable on demand. The fair values of certificates of deposits and IRAs represent the present value of contractual cash flows discounted at market rates for similar certificates of deposit. The Company has finalized the accounting as a result of the merger with Community. Fair values of the major categories of assets acquired and liabilities assumed were determined as follows: Investment securities available-for-sale The estimated fair values of the investment securities available for sale, primarily comprised of U.S. Government agency mortgage-backed securities, U.S. government agencies and municipal bonds, were determined using open market pricing provided by multiple independent securities brokers. Management reviewed the open market quotes used in pricing the securities. A fair value discount of $261 thousand was recorded on the investments. Loans Loans acquired in the Community acquisition were recorded at fair value, and there was no carryover related allowance for loan and lease losses. The fair values of loans acquired from Community were estimated using cash flow projections based on the remaining maturity and repricing terms. Cash flows were adjusted for estimated future credit losses and the rate of prepayments. Projected cash flows were then discounted to present value using a risk-adjusted market rate for similar loans. The fair value of the acquired loans receivable had a gross amortized cost basis of $242.5 million . The table below illustrates the fair value adjustments made to the amortized cost basis in order to present a fair value of the loans acquired. The credit adjustment on purchased credit impaired loans is derived in accordance with ASC 310-30 and represents the portion of the loan balances that has been deemed uncollectible based on the Company’s expectations of future cash flows for each respective loan on a level yield amortization over 3.5 years . (Dollars in thousands) Gross amortized cost basis at January 4, 2018 $ 242,471 Fair value adjustment on general pooled loans (3,737 ) Credit fair value adjustment on purchased credit impaired loans (2,664 ) Fair value of acquired loans at January 4, 2018 $ 236,070 For loans acquired without evidence of credit quality deterioration, the Company prepared the interest rate loan fair value and credit fair value adjustments. Loans were grouped into general pools by characteristics such as loan type, term, collateral and rate. Market rates for similar loans were obtained from various internal and external data sources and reviewed by management for reasonableness. The average of these rates was used as the fair value interest rate a market participant would utilize. A present value approach was utilized to calculate the interest rate fair value premium of $324 thousand . Additionally for loans acquired without credit deterioration, a credit fair value adjustment was calculated using a two-part credit fair value analysis: 1) expected lifetime credit migration losses; and 2) estimated fair value adjustment for certain qualitative factors. The expected lifetime losses were calculated using historical losses observed at the Bank, Community and peer banks. The Company also estimated an environmental factor to apply to each loan type. The environmental factor represents potential discount which may arise due to general credit and economic factors. A credit fair value discount of $4.1 million was determined. Both the interest rate and credit fair value adjustments relate to performing loans and loans acquired with evidence of credit quality deterioration will be substantially recognized as interest income on a level yield amortization method over the weighted average life of the loans of 4 years . The following is a summary of the loans accounted for in accordance with ASC 310-30 that were acquired in the Community acquisition as of the closing date. (Dollars in thousands) Acquired Credit Impaired Loans Contractually required principal and interest at acquisition $ 6,289 Contractual cash flows not expected to be collected (non-accretable difference) 1,819 Expected cash flows at acquisition 4,470 Interest component of expected cash flows (accretable difference) 846 Fair value of acquired loans $ 3,624 Bank Premises The Company acquired three branches of Community, all of which were owned by Community, at a premium of $3.5 million . The fair value of Community’s premises was determined based upon independent third-party appraisals performed by licensed appraisers in the market in which the premises are located which will be amortized on a straight line basis over 40 years . Core Deposit Intangible The fair value of the core deposit intangible was determined based on a discounted cash flow analysis using a discount rate commensurate with market participants. To calculate cash flows, deposit account servicing costs (net of deposit fee income) and interest expense on deposits were compared to the cost of alternative funding sources available through national brokered CD offering rates. The projected cash flows were developed using projected deposit attrition rates. The core deposit intangible will be amortized over ten years using the sum-of-years digits method. The core deposit intangible totaled $1.3 million and is being amortized over its estimated useful life of approximately 10 years using an accelerated method of the sum of the years digits. The goodwill will be evaluated annually for impairment. The goodwill is not deductible for tax purposes. The goodwill recognized from the merger with Community was created based on the consideration paid by the Company for enhancing its presence in the Bergen County, NJ area in addition to our expected synergies from the combined operations of the Company and Community. Time Deposits The fair value adjustment for time deposits represents a discount from the value of the contractual repayments of fixed-maturity deposits using prevailing market interest rates for similar-term time deposits. The time deposit discount of approximately $965 thousand is being amortized into income on a level yield amortization method over the contractual life of the deposits of 22.5 months and a weighted average life of 16.5 months. Bank Owned Life Insurance Community's bank-owned life insurance book value was $8.0 million with no fair value adjustment. Borrowings The Company acquired borrowings at Community's carrying value of $12.0 million with no fair value adjustment. The remaining maturity of Community's borrowings was less than thirty days at a weighted average cost of funds equivalent to the current market rate for the similar term borrowing type. The following table presents certain pro forma information as if Community had been acquired on January 1, 2017 and January 1, 2018. These results combine the historical results of the Company in the Company’s Consolidated Statements of Income and, while certain adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity, they are not indicative of what would have occurred had the acquisition taken place on January 1, 2017 and January 1, 2018. In particular, no adjustments have been made to eliminate the amount of Community’s provision for loan losses that would not have been necessary had the acquired loans been recorded at fair value as of January 1, 2017 and January 1,2 018. The Company expects to achieve further operating cost savings and other business synergies as a result of the acquisition which are not reflected in the pro forma amounts below: (Dollars in thousands) Year Ended December 31, 2018 Year Ended December 31, 2017 Total revenues (net interest income plus non-interest income) $ 54,941 $ 47,280 Net Income 9,935 6,257 Basic and diluted earnings per share applicable to common stockholders $ 1.25 $ 0.79 Following the closing of the Community Merger on January 4, 2018, the Company reported the results of the combined Company. The Company cannot disaggregate the additional revenue and income before extraordinary items provided by Community since the Company operates as one consolidated entity on its internal systems. The cumulative effect to the Company's net income and net income per share are reported on a consolidated basis for the period ended December 31, 2018. Enterprise The Enterprise acquisition was accounted for under the acquisition method of accounting. Accordingly, the assets acquired and liabilities assumed in the acquisition were recorded at their estimated fair values based on management's best estimate using information available at the date of the acquisition, including the use of a third party valuation specialist. The following table summarized the estimated fair value of the acquired assets and liabilities assumed at the date of acquisition for Enterprise. (Dollars in thousands) December 21, 2018 Cash and cash equivalents, net of stock options paid in cash $ 9,153 Securities available for sale 2,193 Other bank stock 2,380 Loans 257,170 Foreclosed real estate 1,250 Premises and equipment, net 422 Accrued interest receivable 880 Goodwill (banking segment) 2,204 Intangibles assets 1,039 Other assets 3,064 Total Assets $ 279,755 Deposits $ (197,321 ) Borrowings (47,106 ) Other liabilities (2,882 ) Total Liabilities $ (247,309 ) Net consideration paid - common shares issued $ 32,446 The fair values of deposit liabilities with no stated maturities such as checking, money market and savings accounts, were assumed to equal the carrying amounts since these deposits are payable on demand. The fair values of certificates of deposits and IRAs represent the present value of contractual cash flows discounted at market rates for similar certificates of deposit. Fair values of the major categories of assets acquired and liabilities assumed were determined as follows: Investment securities available-for-sale The estimated fair values of the investment securities available for sale, primarily comprised of U.S. Government agency mortgage-backed securities, U.S. government agencies and municipal bonds, were determined using open market pricing provided by multiple independent securities brokers. Management reviewed the open market quotes used in pricing the securities. A fair value discount of $100 thousand was recorded on the investments. Loans Loans acquired in the Enterprise acquisition were recorded at fair value, and there was no carryover related allowance for loan and lease losses. The fair values of loans acquired from Enterprise were estimated using cash flow projections based on the remaining maturity and repricing terms. Cash flows were adjusted for estimated future credit losses and the rate of prepayments. Projected cash flows were then discounted to present value using a risk-adjusted market rate for similar loans. The fair value of the acquired loans receivable had a gross amortized cost basis of $262.1 million . The table below illustrates the fair value adjustments made to the amortized cost basis in order to present a fair value of the loans acquired. There was no credit adjustment for purchased credit impaired loans in the Enterprise acquisition. (Dollars in thousands) Gross amortized cost basis at December 21, 2018 $ 262,126 Fair value adjustment on general pooled loans (4,956 ) Fair value of acquired loans at December 21, 2018 $ 257,170 For loans acquired without evidence of credit quality deterioration, the Company prepared the interest rate loan fair value and credit fair value adjustments. Loans were grouped into general pools by characteristics such as loan type, term, collateral and rate. Market rates for similar loans were obtained from various internal and external data sources and reviewed by management for reasonableness. The average of these rates was used as the fair value interest rate a market participant would utilize. A present value approach was utilized to calculate the interest rate fair value discount of $1.1 million . Additionally for loans acquired without credit deterioration, a credit fair value adjustment was calculated using a two-part credit fair value analysis: 1) expected lifetime credit migration losses; and 2) estimated fair value adjustment for certain qualitative factors. The expected lifetime losses were calculated using historical losses observed at the Bank, Enterprise and peer banks. The Company also estimated an environmental factor to apply to each loan type. The environmental factor represents potential discount which may arise due to general credit and economic factors. A credit fair value discount of $3.9 million was determined. Both the interest rate and credit fair value adjustments will be substantially recognized as interest income on a level yield amortization method over the expected life of the loans. Bank Premises The Company acquired four branches of Enterprise, all of which were leased by Enterprise, at a discount of $282 thousand . The fair value of Enterprise’s premises was determined based upon independent third-party appraisals performed by licensed appraisers in the market in which the premises are located which will be amortized on a straight line basis over 3 years . Core Deposit Intangible The fair value of the core deposit intangible was determined based on a discounted cash flow analysis using a discount rate commensurate with market participants. To calculate cash flows, deposit account servicing costs (net of deposit fee income) and interest expense on deposits were compared to the cost of alternative funding sources available through national brokered CD offering rates. The projected cash flows were developed using projected deposit attrition rates. The core deposit intangible will be amortized over ten years using the sum-of-years digits method. The core deposit intangible totaled $1.0 million and is being amortized over its estimated useful life of approximately 10 years using an accelerated method of the sum of the years digits. The goodwill will be evaluated annually for impairment. The goodwill is not deductible for tax purposes. The goodwill recognized from the merger with Enterprise was created based on the consideration paid by the Company for enhancing its presence in the Bergen County, NJ area in addition to our expected synergies from the combined operations of the Company and Enterprise. Time Deposits The fair value adjustment for time deposits represents a discount from the value of the contractual repayments of fixed-maturity deposits using prevailing market interest rates for similar-term time deposits. The time deposit discount of approximately $1.0 million is being amortized into income on a level yield amortization method over the contractual life of the deposits of 11.4 months and a weighted average life of 11.4 months. Borrowings The Company acquired borrowings at Enterprise's carrying value of $47.3 million at a weighted average rate of 2.23% with a fair value adjustment of $149 thousand . The fair value of borrowings represents the present value of the borrowings expected contracted payments discounted by market rates for similar borrowings. Market rates were obtained from the FHLB of New York as of December 21, 2018. The following table presents certain pro forma information as if Enterprise had been acquired on January 1, 2017 and January 1, 2018. These results combine the historical results of the Company in the Company’s Consolidated Statements of Income and, while certain adjustments were made for the estimated impact of certain fair value adjustments and January 1, 2017 and January 1, 2018. In particular, no adjustments have been made to eliminate the amount of Enterprise’s provision for loan losses that would not have been necessary had the acquired loans been recorded at fair value as of January 1, 2017 and January 1, 2018. The Company expects to achieve further operating cost savings and other business synergies as a result of the acquisition which are not reflected in the pro forma amounts below: (Dollars in thousands) Year Ended December 31, 2018 Year Ended December 31, 2017 Total revenues (net interest income plus non-interest income) $ 64,827 $ 46,175 Net Income 12,496 7,283 Basic and diluted earnings per share applicable to common stockholders $ 1.80 $ 0.84 The merger transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed, and consideration exchanged were recorded at estimated fair values on the acquisition date. Fair values are preliminary and subject to refinement for up to one year after the closing date of the acquisition. Management has not finalized the accounting in connection with the merger and is still in the process of assessing the fair value of loans, other assets and other liabilities which can result in an adjustment to the Company's goodwill and deferred tax asset. Following the closing of the Enterprise Merger on December 21, 2018, the Company reported the results of the combined Company. The Company cannot disaggregate the additional revenue and income before extraordinary items provided by Enterprise since the Company operates as one consolidated entity on its internal systems. The cumulative effect to the Company's net income and net income per share are reported on a consolidated basis for the period ended December 31, 2018.

SEGMENT REPORTING

SEGMENT REPORTING	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
SEGMENT REPORTING	NOTE 3 – SEGMENT REPORTING Segment information for 2018 and 2017 is as follows: (Dollars in thousands) Banking and Financial Services Insurance Services Total Year Ended December 31, 2018: Net interest income from external sources $ 44,080 $ — $ 44,080 Other income from external sources 3,975 6,774 $ 10,749 Depreciation and amortization 1,809 27 $ 1,836 Income before income taxes 10,987 1,995 $ 12,982 Income tax expense 2,261 798 $ 3,059 Total assets 1,790,851 4,852 $ 1,795,703 Year Ended December 31, 2017: Net interest income from external sources $ 29,088 $ — $ 29,088 Other income from external sources 2,864 5,421 $ 8,285 Depreciation and amortization 1,037 24 $ 1,061 Income before income taxes 8,757 1,413 $ 10,170 Income tax expense 3,914 565 $ 4,479 Total assets 975,123 4,260 $ 979,383

FAIR VALUE OF ASSETS AND LIABIL

FAIR VALUE OF ASSETS AND LIABILITIES	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
FAIR VALUE OF ASSETS AND LIABILITIES	NOTE 4 – FAIR VALUE OF ASSETS AND LIABILITIES Management uses its best judgment in estimating the fair value of the Company’s financial instruments; however, there are inherent weaknesses in any estimation technique. Therefore, for substantially all financial instruments, the fair value estimates herein are not necessarily indicative of the amounts the Company could have realized in a sale transaction on the dates indicated. The fair value amounts have been measured as of their respective year-ends, and have not been re-evaluated or updated for purposes of these financial statements subsequent to those respective dates. As such, the fair values of these financial instruments subsequent to the respective reporting dates may be different than the amounts reported at each year-end. In accordance with U.S. GAAP, the Company uses a hierarchical disclosure framework associated with the level of pricing observability utilized in measuring assets and liabilities at fair value. The three broad levels defined by the hierarchy are as follows: Level I - Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II - Pricing inputs are other than quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these asset and liabilities include items for which quoted prices are available but traded less frequently, and items that are fair valued using other financial instruments, the parameters of which can be directly observed. Level III - Assets and liabilities that have little to no pricing observability as of reported date. These items do not have two-way markets and are measured using management’s best estimate of market participants’ estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. The following table summarizes the fair value of the Company’s financial assets measured on a recurring basis by the above pricing observability levels as of December 31, 2018 and 2017 : (Dollars in thousands) Fair Value Measurements Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) December 31, 2018 U.S. government agencies $ 24,794 $ — $ 24,794 $ — U.S. government sponsored agency 20,362 — 20,362 — State and political subdivisions 60,362 — 60,362 — Mortgage-backed securities - U.S. government-sponsored enterprises 73,613 — 73,613 — Corporate debt 3,008 — 3,008 — Derivative instruments Interest rate swaps 1,336 — 1,336 — December 31, 2017 U.S. government agencies $ 18,861 $ — $ 18,861 $ — U.S. government sponsored agency 6,061 — 6,061 — State and political subdivisions 41,234 — 41,234 — Mortgage-backed securities - U.S. government-sponsored enterprises 30,544 — 30,544 — Corporate debt 2,030 — 2,030 — Derivative instruments Interest rate swaps 1,451 — 1,451 — The Company’s available for sale securities portfolio contains investments which are all rated within the Company’s investment policy guidelines; and upon review of the entire portfolio, all securities are marketable and have observable pricing inputs. For assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2018 and 2017 are as follows: (Dollars in thousands) Fair Value Measurements Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) December 31, 2018 Impaired loans $ 1,785 $ — $ — $ 1,785 Foreclosed real estate 730 — — $ 730 December 31, 2017 Impaired loans $ 1,794 $ — $ — $ 1,794 Foreclosed real estate 568 — — $ 568 The following table presents additional qualitative information about assets measured at fair value on a nonrecurring basis and for which Level III inputs were used to determine fair value: Qualitative Information about Level III Fair Value Measurements (Dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2018 Impaired loans $ 1,785 Appraisal of Appraisal 0% to -100.0% collateral adjustments (1) (-7.8%) Foreclosed real estate 730 Appraisal of Selling collateral expenses (1) -7.0%(-7.0%) December 31, 2017 Impaired loans $ 1,794 Appraisal of Appraisal 0% to -8.2% collateral adjustments (1) (-0.2%) Foreclosed real estate 568 Appraisal of Selling collateral expenses (1) -7.0%(-7.0%) (1) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated selling expenses. The range and weighted average of selling expenses and other appraisal adjustments are presented as a percentage of the appraisal. The following information should not be interpreted as an estimate of the fair value of the entire Company since a fair value calculation is only provided for a limited portion of the Company’s assets and liabilities. Due to a wide range of valuation techniques and the degree of subjectivity used in making the estimates, comparisons between the Company’s disclosures and those of other companies may not be meaningful. The following methods and assumptions were used to estimate the fair value of the Company’s financial instruments presented below at December 31, 2018 and 2017 : Securities: The fair value of securities, available for sale (carried at fair value) and securities held to maturity (carried at amortized cost) are determined by obtaining quoted market prices on nationally recognized securities exchanges (Level I), or matrix pricing (Level II), which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted market prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices. For certain securities which are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence (Level III). In the absence of such evidence, management’s best estimate of market participants’ estimate is used. Management’s best estimate consists of both internal and external support on certain Level III measurements. Internal cash flow models using a present value formula that includes assumptions market participants would use along with indicative exit pricing obtained from broker/dealers (where available) were used to support fair values of certain Level III investments. Impaired Loans (Carried at Lower of Cost or Fair Value): Fair value of impaired loans is generally determined based upon independent third-party appraisals of the properties, or discounted cash flows based upon the expected proceeds. These assets are included in Level III fair values, based upon the lowest level of input that is significant to the fair value measurements. Derivatives (Carried at Fair Value): The fair value of the Company's derivatives are determined using discounted cash flow analysis using observable market-based inputs, which are considered Level 2 inputs. Other Real Estate Owned (Carried at Fair Value): Other Real Estate Owned is recorded at estimated fair value, less estimated selling costs when acquired, thus establishing a new cost basis. Fair value is generally based on independent appraisals. These appraisals include adjustments to comparable assets based on the appraisers’ market knowledge and experience. When an asset is acquired, the excess of the loan balance over fair value, less estimated selling costs, a writedown is recorded through expense. The fair values of the Company’s financial instruments at December 31, 2018 and 2017 were as follows: December 31, 2018 (Dollars in thousands) Carrying Amount Fair Value Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) Financial assets: Cash and cash equivalents $ 26,678 $ 26,678 $ 26,678 $ — $ — Time deposits with other banks 200 200 — 200 — Securities available for sale 182,139 182,139 — 182,139 — Securities held to maturity 4,078 4,152 — 4,152 — Other Bank Stock 11,764 11,764 — 11,764 — Loans receivable, net of allowance 1,466,000 1,428,094 — — 1,428,094 Accrued interest receivable 6,546 6,546 — 6,546 — Interest rate swaps 1,336 1,336 — 1,336 — Financial liabilities: Non-maturity deposits 965,065 965,065 — 965,065 — Time deposits 388,874 383,264 — 383,264 — Short-term borrowings 175,295 175,366 175,366 — — Long-term borrowings 44,611 44,365 — 44,365 — Subordinated debentures 27,859 26,840 — 26,840 — Accrued interest payable 1,480 1,480 — 1,480 — December 31, 2017 (Dollars in thousands) Carrying Amount Fair Value Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) Financial assets: Cash and cash equivalents $ 11,646 $ 11,646 $ 11,646 $ — $ — Time deposits with other banks 100 100 — 100 — Securities available for sale 98,730 98,730 — 98,730 — Securities held to maturity 5,304 5,430 — 5,430 — Other Bank stock 4,925 4,925 — 4,925 — Loans receivable, net of allowance 813,365 788,119 — — 788,119 Accrued interest receivable 2,472 2,472 — 2,472 — Interest rate swaps 1,451 1,451 — 1,451 — Financial liabilities: Non-maturity deposits 563,694 563,694 — 563,694 — Time deposits 198,797 197,549 — 197,549 — Short-term borrowings 55,350 55,335 55,335 — — Long-term borrowings 35,000 34,761 — 34,761 — Subordinated debentures 27,848 25,259 — 25,259 — Accrued interest payable 470 470 — 470 —

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2018
Investments [Abstract]
SECURITIES	NOTE 5 – SECURITIES Available for Sale The amortized cost and fair value of securities available for sale as of December 31, 2018 and 2017 are summarized as follows: (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2018 U.S. government agencies $ 25,161 $ 4 $ (371 ) $ 24,794 U.S. government sponsored agencies 20,404 38 (80 ) 20,362 State and political subdivisions 60,457 445 (540 ) 60,362 Mortgage-backed securities - U.S. government-sponsored enterprises 74,670 100 (1,157 ) 73,613 Corporate debt 3,000 8 — 3,008 $ 183,692 $ 595 $ (2,148 ) $ 182,139 December 31, 2017 U.S. government agencies $ 18,799 $ 90 $ (28 ) $ 18,861 U.S. government sponsored agencies 6,054 8 (1 ) $ 6,061 State and political subdivisions 40,470 896 (132 ) 41,234 Mortgage-backed securities - U.S. government-sponsored enterprises 30,958 65 (479 ) 30,544 Corporate debt 2,000 30 — 2,030 $ 98,281 $ 1,089 $ (640 ) $ 98,730 Securities with a carrying value of approximately $2.5 million and $17.3 million at December 31, 2018 and 2017 , respectively, were pledged to secure public deposits and for borrowings at the Federal Reserve Bank as required or permitted by applicable laws and regulations. The amortized cost and fair value of securities available for sale at December 31, 2018 are shown below by contractual maturity. Actual maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Investments which pay principal on a periodic basis are not included in the maturity categories. (Dollars in thousands) Amortized Cost Fair Value Due in one year or less $ — $ — Due after one year through five years — — Due after five years through ten years 6,802 6,801 Due after ten years 56,655 56,569 Total bonds and obligations 63,457 63,370 U.S. government agencies 25,161 24,794 U.S. government sponsored agencies 20,404 20,362 Mortgage-backed securities: U.S. government-sponsored enterprises 74,670 73,613 Total available for sale securities $ 183,692 $ 182,139 Gross gains on sales of securities available for sale were $46 thousand and $339 thousand and gross losses were $10 thousand and $348 thousand for the years ended December 31, 2018 and 2017 , respectively. Temporarily Impaired Securities The following table shows our investments’ gross unrealized losses and fair values with unrealized losses that are not deemed to be other than temporarily impaired, aggregated by investment category and length of time that individual available for sale securities have been in a continuous unrealized loss position, at December 31, 2018 and 2017 . Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2018 U.S. government agencies $ 18,998 $ (316 ) $ 2,593 $ (55 ) $ 21,591 $ (371 ) U.S. government sponsored agencies 10,348 (80 ) — — 10,348 (80 ) State and political subdivisions 17,164 (204 ) 18,785 (336 ) 35,949 (540 ) Mortgage-backed securities - U.S. government-sponsored enterprises 30,547 (271 ) 28,773 (886 ) 59,320 (1,157 ) Total temporarily impaired securities $ 77,057 $ (871 ) $ 50,151 $ (1,277 ) $ 127,208 $ (2,148 ) December 31, 2017 U.S. government agencies $ 5,280 $ (28 ) $ — $ — $ 5,280 $ (28 ) US. government sponsored agencies 3,469 (1 ) — — 3,469 (1 ) State and political subdivisions 5,212 (42 ) 3,701 (90 ) 8,913 (132 ) Mortgage-backed securities - U.S. government-sponsored enterprises 8,403 (212 ) 12,935 (267 ) 21,338 (479 ) Total temporarily impaired securities $ 22,364 $ (283 ) $ 16,636 $ (357 ) $ 39,000 $ (640 ) As of December 31, 2018 , we reviewed our investment portfolio for indications of impairment. This review includes analyzing the length of time and the extent to which the fair value has been lower than the cost, the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and the intent and likelihood of selling the security. The intent and likelihood of sale of debt securities is evaluated based upon our investment strategy for the particular type of security and our cash flow needs, liquidity position, capital adequacy and interest rate risk position. For each security (including but not limited to those whose fair value is less than their amortized cost basis), a review is conducted to determine if an other-than-temporary impairment has occurred. U.S. Government Agencies At December 31, 2018 and 2017 , the decline in fair value and the unrealized losses for our U.S. government agencies securities were primarily due to changes in spreads and market conditions and not credit quality. At December 31, 2018 , there were eighteen securities with a fair value of $21.6 million that had an unrealized loss that amounted to $371 thousand . As of December 31, 2018 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of the U.S. government agency securities at December 31, 2018 , were deemed to be other-than-temporarily impaired. At December 31, 2017 , there were three securities with a fair value of $5.3 million that had an unrealized loss that amounted to $28 thousand . U.S. Government Sponsored Agencies At December 31, 2018 , the decline in fair value and the unrealized losses for our U.S. government sponsored agencies securities were primarily due to changes in spreads and market conditions and not credit quality. At December 31, 2018 , there were six securities with a fair value of $10.3 million that had an unrealized loss that amounted to $80 thousand . As of December 31, 2018 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of the U.S. government sponsored agency securities at December 31, 2018 , were deemed to be other-than-temporarily impaired. At December 31, 2017, there were two securities with a fair value of $3.5 million that had an unrealized loss that amounted to $1 thousand . State and Political Subdivisions At December 31, 2018 and 2017 , the decline in fair value and the unrealized losses for our state and political subdivisions securities were caused by changes in interest rates and spreads and were not the result of credit quality. At December 31, 2018 , there were 34 securities with a fair value of $35.9 million that had an unrealized loss that amounted to $540 thousand . These securities typically have maturity dates greater than 10 years and the fair values are more sensitive to changes in market interest rates. As of December 31, 2018 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of our state and political subdivision securities at December 31, 2018 , were deemed to be other-than-temporarily-impaired. At December 31, 2017 , there were 9 securities with a fair value of $8.9 million that had an unrealized loss of $132 thousand . Mortgage-Backed Securities At December 31, 2018 and 2017 , the decline in fair value and the unrealized losses for our mortgaged-backed securities guaranteed by U.S. government-sponsored enterprises were primarily due to changes in spreads and market conditions and not credit quality. At December 31, 2018 , there were 38 securities with a fair value of $ 59.3 million that had an unrealized loss of $1.2 million . As of December 31, 2018 , we did not intend to sell and it was not more-likely-than-not that we would be required to sell any of these securities before recovery of their amortized cost basis. Therefore, none of our mortgage-backed securities at December 31, 2018 , were deemed to be other-than-temporarily impaired. At December 31, 2017 , there were 16 securities with a fair value of $ 21.3 million that had an unrealized loss of $ 479 thousand . Held to Maturity Securities The amortized cost and fair value of securities held to maturity as of December 31, 2018 and 2017 are summarized as follows: (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2018 State and political subdivisions $ 4,078 $ 74 $ — $ 4,152 December 31, 2017 State and political subdivisions $ 5,304 $ 127 $ (1 ) $ 5,430 During the twelve months ended December 31, 2018 and 2017, the Company did not sell any securities out of its held to maturity portfolio. The amortized cost and fair value of securities held to maturity at December 31, 2018 are shown below by contractual maturity. Actual maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without call or prepayment penalties. (Dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 1,279 $ 1,279 Due after one year through five years 251 252 Due after five years through ten years 2,548 2,621 Due after ten years — — Total held to maturity securities $ 4,078 $ 4,152 Temporarily Impaired Securities The following table shows our held to maturity investments’ gross unrealized losses and fair value with unrealized losses that are not deemed to be other than temporarily impaired, aggregated by investment category and length of time that individual held to maturity securities have been in a continuous unrealized loss position, at December 31, 2017. At December 31, 2018, there were no securities that had an unrealized loss. Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2017 State and political subdivisions $ 254 $ (1 ) $ — $ — $ 254 $ (1 ) As of December 31, 2018 , we reviewed our held to maturity investment portfolio for indications of impairment. This review includes analyzing the length of time and the extent to which the fair value has been lower than the cost, the financial condition and near-term prospects of the issuer, including any specific events which may influence the operations of the issuer and the intent and likelihood of selling the security. The intent and likelihood of sale of debt securities is evaluated based upon our investment strategy for the particular type of security and our cash flow needs, liquidity position, capital adequacy and interest rate risk position. For each security whose fair value is less than their amortized cost basis, a review is conducted to determine if an other-than-temporary impairment has occurred. State and Political Subdivisions At December 31, 2018 , there were no securities that had an unrealized loss. At December 31, 2018 , the decline in fair value and the unrealized losses for our state and political subdivisions securities were caused by changes in interest rates and spreads and were not the result of credit quality. These securities typically have maturity dates greater than 10 years and the fair values are more sensitive to changes in market interest rates. At December 31, 2017, there was one security with a fair value $254 thousand that had an unrealized loss of $1 thousand .

LOANS

LOANS	12 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
LOANS	NOTE 6 – LOANS The composition of net loans receivable at December 31, 2018 and 2017 is as follows: (Dollars in thousands) December 31, 2018 December 31, 2017 Commercial and industrial loans $ 81,709 $ 54,759 Construction 142,321 42,484 Commercial real estate 878,449 551,445 Residential real estate 370,955 171,844 Consumer and other 2,393 1,130 1,475,827 821,662 Unearned net loan origination fees (1,052 ) (962 ) Allowance for loan losses (8,775 ) (7,335 ) Net loans receivable $ 1,466,000 $ 813,365 Mortgage loans serviced for others are not included in the accompanying balance sheets. The total amount of loans serviced for the benefit of others was approximately $229 thousand and $239 thousand at December 31, 2018 and 2017 , respectively. Mortgage servicing rights were immaterial at December 31, 2018 and 2017 . Purchased Credit Impaired Loans The carrying value of loans acquired in the Community acquisition and accounted for in accordance with ASC Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality,” was $3.0 million at December 31, 2018, which was $600 thousand less than the balance at the time of acquisition on January 4, 2018. Under ASC Subtopic 310-30, these loans, referred to as purchased credit impaired (“PCI”) loans, may be aggregated and accounted for as pools of loans if the loans being aggregated have common risk characteristics. The Company elected to account for the loans with evidence of credit deterioration individually rather than aggregate them into pools. The difference between the undiscounted cash flows expected at acquisition and the investment in the acquired loans, or the “accretable yield,” is recognized as interest income utilizing the level-yield method over the life of each loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment, as a loss accrual or as a valuation allowance. Increases in expected cash flows subsequent to the acquisition are recognized prospectively through an adjustment of the yield on the loans over the remaining life, while decreases in expected cash flows are recognized as impairments through a loss provision and an increase in the allowance for loan and lease losses. Valuation allowances (recognized in the allowance for loan and lease losses) on these impaired loans reflect only losses incurred after the acquisition (representing all cash flows that were expected at acquisition but currently are not expected to be received). The following table presents changes in the accretable yield for PCI loans: (Dollars in thousands) Year ended December 31, 2018 Accretable yield, beginning balance $ — Acquisition of impaired loans 846 Accretable yield amortized to interest income (307 ) Reclassification from non-accretable difference — Accretable yield, ending balance $ 539 There were no PCI loans in 2017.

ALLOWANCE FOR LOAN LOSSES AND C

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES	NOTE 7 – ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES The following table presents changes in the allowance for loan losses disaggregated by the class of loans receivable for the years ended December 31, 2018 and 2017 : (Dollars in thousands) Commercial and Industrial Construction Commercial Real Estate Residential Real Estate Consumer and Other Unallocated Total Year Ended: December 31, 2018 Beginning balance $ 208 $ 336 $ 5,185 $ 1,032 $ 26 $ 548 $ 7,335 Charge-offs (11 ) — (26 ) (22 ) (69 ) — (128 ) Recoveries 3 — 17 91 20 — 131 Provision 403 327 399 270 46 (8 ) 1,437 Ending balance $ 603 $ 663 $ 5,575 $ 1,371 $ 23 $ 540 $ 8,775 December 31, 2017 Beginning balance $ 110 359 $ 3,932 $ 899 $ 19 $ 1,377 $ 6,696 Charge-offs (13 ) — (874 ) (49 ) (37 ) — (973 ) Recoveries 2 — 7 10 7 — 26 Provision 109 (23 ) 2,120 172 37 (829 ) 1,586 Ending balance $ 208 $ 336 $ 5,185 $ 1,032 $ 26 $ 548 $ 7,335 The following table presents the balance in the allowance of loan losses at December 31, 2018 and 2017 disaggregated on the basis of our impairment method by class of loans receivable along with the balance of loans receivable by class disaggregated on the basis of our impairment methodology: Allowance for Loan Losses Loans Receivable (Dollars in thousands) Balance Balance Related to Loans Individually Evaluated for Impairment Balance Related to Loans Collectively Evaluated for Impairment Balance Individually Evaluated for Impairment Collectively Evaluated for Impairment December 31, 2018 Commercial and industrial $ 603 $ 152 $ 451 $ 81,709 $ 372 $ 81,337 Construction 663 — $ 663 142,321 — $ 142,321 Commercial real estate 5,575 274 $ 5,301 878,449 15,760 $ 862,689 Residential real estate 1,371 89 $ 1,282 370,955 4,572 $ 366,383 Consumer and other loans 23 — $ 23 2,393 — 2,393 Unallocated 540 — — — — — Total $ 8,775 $ 515 $ 7,720 $ 1,475,827 $ 20,704 $ 1,455,123 December 31, 2017 Commercial and industrial $ 208 $ — $ 208 $ 54,759 $ 20 $ 54,739 Construction 336 — $ 336 42,484 — $ 42,484 Commercial real estate 5,185 28 $ 5,157 551,445 4,763 $ 546,682 Residential real estate 1,032 10 $ 1,022 171,844 2,064 $ 169,780 Consumer and other loans 26 — $ 26 1,130 — $ 1,130 Unallocated 548 — — — — — Total $ 7,335 $ 38 $ 6,749 $ 821,662 $ 6,847 $ 814,815 An age analysis of loans receivable which were past due as of December 31, 2018 and 2017 is as follows: (Dollars in thousands) 30-59 Days Past Due 60-89 days Past Due Greater Than 90 Days (a) Total Past Due Current Total Financing Receivables Recorded Investment > 90 Days and Accruing December 31, 2018 Commercial and industrial $ 491 $ — $ 372 $ 863 $ 80,846 $ 81,709 $ — Construction — 582 — 582 141,739 $ 142,321 — Commercial real estate 2,282 — 15,760 18,042 860,407 $ 878,449 — Residential real estate 393 35 4,572 5,000 365,955 $ 370,955 — Consumer and other 4 1 — 5 2,388 $ 2,393 — Total $ 3,170 $ 618 $ 20,704 $ 24,492 $ 1,451,335 $ 1,475,827 $ — December 31, 2017 Commercial and industrial $ — $ — $ 20 $ 20 $ 54,739 $ 54,759 $ — Construction — — 105 105 42,379 $ 42,484 — Commercial real estate 4,935 126 4,313 9,374 542,071 $ 551,445 — Residential real estate 1,304 122 1,582 3,008 168,836 $ 171,844 — Consumer and other 8 1 — 9 1,121 $ 1,130 — Total $ 6,247 $ 249 $ 6,020 $ 12,516 $ 809,146 $ 821,662 $ — (a) includes loans greater than 90 days past due and still accruing and non-accrual loans. At both December 31, 2018 and 2017, there were no loans 90 days past due and still accruing. Loans for which the accrual of interest has been discontinued, excluding PCI loans, at December 31, 2018 and 2017 were: (Dollars in thousands) December 31, 2018 December 31, 2017 Commercial and industrial $ 372 $ 20 Construction — 105 Commercial real estate 15,760 4,313 Residential real estate 4,572 1,582 Consumer and other — — Total $ 20,704 $ 6,020 Loans are made to individuals as well as commercial entities. Specific loan terms vary as to interest rate, repayment, and collateral requirements based on the type of loan requested and the credit worthiness of the prospective borrower. Credit risk tends to be geographically concentrated in that a majority of the loan customers are located in the markets serviced by the Company. Loan performance may be adversely affected by factors impacting the general economy or conditions specific to the real estate market such as geographic location and/or property type. A description of the Company's different loan segments follows: Commercial Loans: Commercial credit is extended primarily to middle market and small business customers. Commercial loans are generally made in the Company's market place for the purpose of providing working capital, financing the purchase of equipment, inventory or commercial real estate and for other business purposes. Loans will generally be guaranteed in full or for a meaningful amount by the businesses' major owners. Underwriting of commercial loans is based primarily on the historical and projected cash flow of the business and secondarily on the underlying collateral provided. Residential Mortgage and Consumer Loans: The Company originates mortgage and consumer loans including principally residential real estate and home equity lines and loans. Each loan type is evaluated on debt to income, type of collateral and loan to collateral value, credit history and Company relationship with the borrower. In determining the adequacy of the allowance for loan losses, the Company estimates losses based on the identification of specific problem loans through its credit review process and also estimates losses inherent in other loans on an aggregate basis by loan type. The credit review process includes the independent evaluation of the loan officer assigned risk ratings by the Chief Credit Officer and a third party loan review company. Such risk ratings are assigned loss component factors that reflect the Company’s loss estimate for each group of loans. It is management’s and the board of directors’ responsibility to oversee the lending process to ensure that all credit risks are properly identified, monitored, and controlled, and that loan pricing, terms, and other safeguards against non-performance and default are commensurate with the level of risk undertaken and is rated as such based on a risk-rating system. Factors considered in assigning risk ratings and loss component factors include: borrower specific information related to expected future cash flows and operating results, collateral values, financial condition, payment status and other information; levels of and trends in portfolio charge-offs and recoveries; levels in portfolio delinquencies; effects of changes in loan concentrations and observed trends in the economy and other qualitative measurements. The Company’s risk-rating system as defined below is consistent with the system used by regulatory agencies and consistent with industry practices. Loan classifications of Substandard, Doubtful or Loss are consistent with the regulatory definitions of classified assets. Pass : This category represents loans performing to contractual terms and conditions and the primary source of repayment is adequate to meet the obligation. The Company has five categories within the Pass classification depending on strength of repayment sources, collateral values and financial condition of the borrower. Special Mention : This category represents loans performing to contractual terms and conditions; however the primary source of repayment or the borrower is exhibiting some deterioration or weaknesses in financial condition that could potentially threaten the borrowers’ future ability to repay our loan principal and interest or fees due. Substandard : This category represents loans that the primary source of repayment has significantly deteriorated or weakened which has or could threaten the borrowers’ ability to make scheduled payments. The weaknesses require close supervision by the Company’s management and there is a distinct possibility that the Company could sustain some loss if the deficiencies are not corrected. Such weaknesses could jeopardize the timely and ultimate collection of our loan principal and interest or fees due. Loss may not be expected or evident, however, loan repayment is inadequately supported by current financial information or pledged collateral. Doubtful : Loans so classified have all the inherent weaknesses of a substandard loan with the added provision that collection or liquidation in full is highly questionable and not reasonably assured. The probability of at least partial loss is high, but extraneous factors might strengthen the asset to prevent loss. The validity of the extraneous factors must be continuously monitored. Once these factors are questionable the loan should be considered for full or partial charge-off. Loss : Loans so classified are considered uncollectible, and of such little value that their continuance as active assets of the Company is not warranted. Such loans are fully charged off. Residential and consumer loans are rated non-performing if they are delinquent in payments ninety or more days, or a TDR with less than six (6) months current contractual performance or past maturity. All other residential and consumer loans not rated pass or better are reviewed on a case by case basis at the time of a credit event. The following tables illustrate the Company’s corporate credit risk profile by creditworthiness category as of December 31, 2018 and 2017 : (Dollars in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2018 Commercial and industrial $ 80,977 $ 32 $ 700 $ — $ 81,709 Construction 141,871 — 450 — $ 142,321 Commercial real estate 855,180 3,908 19,361 — $ 878,449 $ 1,078,028 $ 3,940 $ 20,511 $ — $ 1,102,479 December 31, 2017 Commercial and industrial $ 54,405 $ 189 $ 165 $ — $ 54,759 Construction 42,379 105 — — $ 42,484 Commercial real estate 537,636 3,508 10,301 — $ 551,445 $ 634,420 $ 3,802 $ 10,466 $ — $ 648,688 (Dollars in thousands) Residential Real Estate Consumer December 31, 2018 Performing $ 366,408 $ 2,393 Non-Performing 4,547 — Total $ 370,955 $ 2,393 December 31, 2017 Performing $ 168,837 $ 1,130 Non-Performing 3,007 — Total $ 171,844 $ 1,130 The following table reflects information regarding the Company’s impaired loans as of December 31, 2018 and 2017 and for the years then ended: (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2018 With no related allowance recorded: Commercial and industrial $ — $ 10 $ — $ 4 $ — Construction — — — 21 — Commercial real estate 13,745 13,745 — 9,774 102 Residential real estate 2,790 2,790 — 3,082 48 With an allowance recorded: Commercial and industrial 372 572 152 195 — Commercial real estate 2,015 2,437 274 1,291 4 Residential real estate 1,782 2,329 89 714 — Consumer and other — — — — — Total: Commercial and industrial 372 582 152 199 — Construction — — — 21 — Commercial real estate 15,760 16,182 274 11,065 106 Residential real estate 4,572 5,119 89 3,796 48 Consumer and other — — — — — $ 20,704 $ 21,883 $ 515 $ 15,081 $ 154 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2017 With no related allowance recorded: Commercial and industrial $ 20 $ 20 $ — $ 20 $ — Commercial real estate 3,834 4,158 — 3,217 31 Residential real estate 1,844 1,877 — 1,731 20 With an allowance recorded: Commercial and industrial — — — 3 — Commercial real estate 929 1,392 28 1,557 8 Residential real estate 220 223 10 191 1 Consumer and other — — — — — Total: Commercial and industrial 20 20 — 23 — Commercial real estate 4,763 5,550 28 4,774 39 Residential real estate 2,064 2,100 10 1,922 21 Consumer and other — — — — — $ 6,847 $ 7,670 $ 38 $ 6,719 $ 60 The average recorded investment in impaired loans is calculated using the average of impaired loans over the past five quarter-end periods. The Company recognizes income on impaired loans by recording all payments as a reduction of principal on such loans. Impaired loans include loans modified in TDRs where concessions have been granted to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, postponement or forgiveness of principal, forbearance or other actions intended to maximize collection. The following table presents the recorded investment in troubled debt restructured loans as of December 31, 2018 and 2017 based on payment performance status: (Dollars in thousands) Commercial Real Estate Residential Real Estate Total December 31, 2018 Performing $ 431 $ 475 $ 906 Non-performing 1,531 517 2,048 Total $ 1,962 $ 992 $ 2,954 December 31, 2017 Performing $ 449 $ 483 $ 932 Non-performing 1,594 242 1,836 Total $ 2,043 $ 725 $ 2,768 Troubled debt restructured loans are considered impaired and are included in the previous impaired loans disclosures in this footnote. As of December 31, 2018 , we have not committed to lend additional amounts to customers with outstanding loans that are classified as TDRs. There was one TDR with an outstanding balance of $306 thousand that occurred during the year ended December 31, 2018 . There were three TDRs with an outstanding balance of $615 thousand that occurred during the year ended December 31, 2017 . The following table summarize TDRs that occurred during the years ended December 31, 2018 and 2017. Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (Dollars in thousands) December 31, 2018 Residential real estate 1 $ 514 $ 306 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (Dollars in thousands) December 31, 2017 Residential real estate 3 $ 637 $ 615 The TDRs described above did not require an allocation of the allowance for credit losses, nor were any charge-offs recorded subsequent to modification during the years ended December 31, 2018 and 2017 . There were no TDRs for which there were payment defaults within twelve months following the date of the restructuring for the year ended December 31, 2018. There was one TDR for which there was a payment default within twelve months following the date of the restructuring for the year ended December 31, 2017 . Loans are considered to be in payment default once they are greater than 30 days contractually past due under the modified terms. There were no charge-offs on defaulted TDRs during the years ended December 31, 2018 and 2017 .

PREMISES AND EQUIPMENT

PREMISES AND EQUIPMENT	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
PREMISES AND EQUIPMENT	NOTE 8 – PREMISES AND EQUIPMENT The components of premises and equipment at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Land and land improvements $ 3,378 $ 1,740 Building and building improvements 15,194 6,744 Leasehold improvements 3,351 2,182 Furniture, fixtures and equipment 8,382 6,048 Assets in progress 879 172 31,184 16,886 Accumulated depreciation (11,969 ) (8,497 ) Premises and equipment, net $ 19,215 $ 8,389 During the years ended December 31, 2018 and 2017 , depreciation expense totaled $1.6 million and $1.1 million , respectively.

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL AND OTHER INTANGIBLES	NOTE 9 – GOODWILL AND OTHER INTANGIBLES The Company had goodwill of $27.3 million and $2.8 million at December 31, 2018 and 2017, respectively. The increase was due to the merger with Community with total goodwill amounting to $22.3 million , and Enterprise, with total goodwill amounting to $2.2 million . Goodwill at December 31, 2017, included $2.3 million related to insurance segment and $486 thousand related to banking segment. The Company reviews its goodwill and intangible assets annually, on September 30, or more frequently if conditions warrant, for impairment. In testing goodwill for impairment, the Company compares the estimated fair value of its reporting unit to its carrying amount, including goodwill. The estimated fair value of each reporting unit exceeded its book value, therefore, no write-down of goodwill was required at September 30, 2018. The estimated fair value of the insurance segment exceeded its carrying value by 17% at September 30, 2018. The Company recorded a core deposit intangible of $1.3 million for the Community acquisition and $1.1 million for the Enterprise acquisition. For the period ended December 31, 2018, the Company amortized $247 thousand in core deposit intangible. The estimated future amortization expense for each of the succeeding five years ended December 31 is as follows (dollars in thousands): For the Year Ended Amortization Expense 2019 $ 405 2020 364 2021 320 2022 277 2023 234

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
DEPOSITS	NOTE 10 – DEPOSITS The components of deposits at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Demand, non-interest bearing $ 259,807 $ 146,167 Savings, money market and interest-bearing demand 705,258 417,527 Time deposits less than $100 thousand 205,372 84,299 Time deposits $100 thousand and over 183,502 114,498 Total deposits $ 1,353,939 $ 762,491 Included in time deposits at December 31, 2018 and 2017 , were brokered deposits of $188.3 million and $130.6 million , respectively. At December 31, 2018 , the scheduled maturities of time deposits are as follows: (Dollars in thousands) Within one year $ 267,610 One to two years 73,342 Two to three years 29,358 Three to four years 10,622 After four years 7,942 $ 388,874 Certificates of deposits with balances of $250 thousand or more at December 31, 2018 and 2017 , totaled approximately $72.2 million and $41.0 million , respectively. Deposit overdrafts totaled $231 thousand and $161 thousand at December 31, 2018 and 2017, respectively, and are included in the Company's Consumer and other loan balance (Refer to Note 6 - Loans).

BORROWINGS

BORROWINGS	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
BORROWINGS	NOTE 11 – BORROWINGS At December 31, 2018 , the Bank had secured borrowing potential with the Federal Home Loan Bank of New York (“FHLBNY”) for borrowings of up to $367.9 million and a $10.0 million line of credit at Atlantic Central Bankers Bank (“ACBB”). The borrowings at the FHLBNY are secured by a pledge of qualifying residential and commercial mortgage loans, having an aggregate unpaid principal balance of approximately $367.9 million . At December 31, 2018 , the Bank had the ability to borrow up to $179.6 million at FHLBNY and $10.0 million at ACBB. At December 31, 2018 and 2017 , the Company had $175.3 million and $55.4 million , respectively, in short term advances at the FHLBNY, having weighted average interest rates of 2.66% and 1.58% , respectively. These advances are priced at the federal funds rate plus a spread (generally between 20 and 30 basis points), re-price daily and mature within three months. At December 31, 2018 and 2017 the Bank had the following long-term fixed rate borrowings: (Dollars in thousands) Borrowing Institution Interest Rate Balance at December 31, Maturity Date 2018 2017 January 16, 2018 FHLBNY 1.18% $ — $ 5,000 July 17, 2018 FHLBNY 1.65% — 5,000 September 19, 2018 FHLBNY 1.83% — 5,000 January 8, 2019 FHLBNY 1.68% 1,000 — February 4, 2019 FHLBNY 1.53% 5,000 5,000 February 8, 2019 FHLBNY 1.70% 1,000 — March 18, 2019 FHLBNY 1.45% 949 — April 8, 2019 FHLBNY 1.73% 1,170 — May 30, 2019 FHLBNY 1.91% 1,005 — May 7, 2019 FHLBNY 2.39% 1,250 — June 12, 2019 FHLBNY 1.52% 1,000 — July 30, 2019 FHLBNY 2.19% 1,000 — August 2, 2019 FHLBNY 1.05% 2,500 — September 30, 2019 FHLBNY 2.21% 1,000 — October 30, 2019 FHLBNY 2.22% 746 — November 8, 2019 FHLBNY 2.38% 1,000 — December 9, 2019 FHLBNY 2.39% 1,000 — January 15, 2020 FHLBNY 1.66% 5,000 5,000 March 9, 2020 FHLBNY 2.43% 1,000 — May 7, 2020 FHLBNY 2.68% 1,045 — May 7, 2020 FHLBNY 2.68% 308 — June 12, 2020 FHLBNY 1.69% 741 — June 15, 2020 FHLBNY 2.69% 1,000 — July 14, 2020 FHLBNY 2.70% 789 — July 14, 2020 FHLBNY 2.70% 520 — September 8, 2020 FHLBNY 2.51% 680 — October 5, 2020 FHLBNY 1.78% 5,000 5,000 December 23, 2020 FHLBNY 2.79% 852 — January 20, 2021 (1) FHLBNY 2.07% 5,000 5,000 March 23, 2021 FHLBNY 2.83% 1,200 — June 23, 2021 FHLBNY 3.07% 2,000 — Fair value adjustment on acquired borrowings (144 ) — $ 44,611 $ 35,000 (1) $5 million FHLB borrowing has a quarterly putable option that ends at maturity Maturities of long-term debt in years subsequent to December 31, 2018 are as follows: (Dollars in thousands) Within one year $ 19,476 One to two years 16,935 Two to three years 8,200 Three to four years — Four to five years — After five years — $ 44,611 At December 31, 2018 the Company had $44.6 million in long-term fixed rate advances.

DERIVATIVES

DERIVATIVES	12 Months Ended
	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
DERIVATIVES	DERIVATIVES The Company’s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed-rate payments over the life of the agreements without exchange of the underlying notional amount. The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges are recorded in accumulated other comprehensive income and are subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. During the year ended December 31, 2018, the Company entered into four interest rate swap agreements used to hedge the variable cash outflows associated with two future three month FHLB borrowings totaling $75.0 million , with an effective date of September 15, 2018, two interest rate swaps mature September 15, 2021 with fixed rates of 2.89% and 2.85% , and the other two mature September 15, 2022 with fixed rates of 2.90% and 2.86% . During the year ended December 31, 2017 such derivatives were used to hedge the variable cash outflows associated with four FHLB borrowings totaling $26.0 million . In addition, during the quarter ended March 31, 2016, the Company entered into an interest rate swap agreement to hedge its $12.5 million variable rate (3 Mo Libor + 1.44% ) subordinated debt issued by Sussex Capital Trust II, a non-consolidated wholly-owned subsidiary of the Company, for 10 years at a fixed rate of 3.10% . The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings. The Company implemented this program during the quarter ended March 31, 2016. During the twelve months ended December 31, 2018 the Company did no t record any hedge ineffectiveness. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition at December 31, 2018 and 2017: December 31, 2018 Notional/ Contract Amount Fair Value Balance Sheet Location Expiration Date (Dollars in thousands) Derivatives designated as hedging instruments Interest rate swaps by effective date: March 15, 2016 $ 12,500 $ 768 Other Assets March 15, 2026 December 15, 2016 5,000 246 Other Assets December 15, 2026 June 15, 2017 6,000 285 Other Assets June 15, 2027 December 15, 2017 10,000 554 Other Assets December 15, 2027 December 15, 2017 5,000 261 Other Assets December 15, 2027 September 15, 2018 20,000 (176 ) Other Assets September 15, 2021 September 15, 2018 20,000 (266 ) Other Assets September 15, 2022 September 15, 2018 17,500 (134 ) Other Assets September 15, 2021 September 15, 2018 17,500 (203 ) Other Assets September 15, 2022 Total $ 113,500 $ 1,335 December 31, 2017 Notional/ Contract Amount Fair Value Balance Sheet Location Expiration Date (Dollars in thousands) Derivatives designated as hedging instruments Interest rate swaps by effective date: March 15, 2016 $ 12,500 $ 610 Other Assets March 15, 2026 December 15, 2016 5,000 161 Other Assets December 15, 2026 June 15, 2017 6,000 170 Other Assets June 15, 2027 December 15, 2017 10,000 352 Other Assets December 15, 2027 December 15, 2017 5,000 158 Other Assets December 15, 2027 Total $ 38,500 $ 1,451 The table below presents the Company’s derivative financial instruments that are designated as cash flow hedgers of interest rate risk and their effect on the Company’s Consolidated Statements of Financial Conditions during the years ended December 31, 2018 and 2017: ໿ Year Ended December 31, 2018 Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion) Location of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) (Dollars in thousands) Derivatives in cash flow hedges Interest rate swaps by effective date: March 15, 2016 $ 110 Not applicable $ — December 15, 2016 60 Not applicable — June 15, 2017 80 Not applicable — December 15, 2017 141 Not applicable — December 15, 2017 72 Not applicable — September 15, 2018 (123 ) Not applicable — September 15, 2018 (186 ) Not applicable — September 15, 2018 (94 ) Not applicable — September 15, 2018 (142 ) Not applicable — Total $ (82 ) $ — Year Ended December 31, 2017 Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion) Location of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) (Dollars in thousands) Derivatives in cash flow hedges Interest rate swaps by effective date: March 15, 2016 $ (11 ) Not applicable $ — December 15, 2016 (1 ) Not applicable — June 15, 2017 (19 ) Not applicable — December 15, 2017 (57 ) Not applicable — December 15, 2017 (29 ) Not applicable — Total $ (117 ) $ — Amounts reported in accumulated other comprehensive income related to derivatives are reclassified to interest expense as interest payments are made on the Company’s variable rate borrowing positions. During the year ended December 31, 2018, the Company had $5 thousand of reclassifications to interest income. During the year ended December 31, 2017, the Company had $124 thousand of reclassifications to interest expense. During the next twelve months, the Company estimates that $111 thousand will be reclassified to interest expense. Offsetting derivatives The following table presents a gross presentation, the effects of offsetting, and a net presentation of the Company’s derivatives in the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017. The derivative financial instruments are subject to separate master netting agreements with two counterparties and as required under the master netting arrangements with its derivatives counterparties, the Company received financial collateral in the amount of $2.5 million and $1.2 million at December 31, 2018 and 2017. The net amounts of derivative liabilities and assets can be reconciled to the tabular disclosure of the fair value hierarchy, see Note 12, Fair Value of Financial Instruments. The tabular disclosure of fair value provides the location that derivative assets and liabilities are presented on the Company’s Consolidated Balance Sheets. Gross Amounts Not Offset Gross Amounts Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Posted Net Amount (Dollars in thousands) December 31, 2018 Assets: Interest Rate Swaps $ 2,114 — $ 1,672 — $ 2,460 $ (788 ) Total $ 2,114 — $ 1,672 — $ 2,460 $ (788 ) Liabilities: Interest Rate Swaps $ (779 ) — $ (337 ) — — $ (337 ) Total $ (779 ) — $ (337 ) — — $ (337 ) December 31, 2017 Assets: Interest Rate Swaps $ 1,451 — $ 1,451 — $ 1,200 $ 251 Total $ 1,451 — $ 1,451 — $ 1,200 $ 251 Liabilities: Interest Rate Swaps — — — — — — Total — — — — — —

SUBORDINATED DEBENTURES AND MAN

SUBORDINATED DEBENTURES AND MANDATORY REDEEMABLE CAPITAL DEBENTURES	12 Months Ended
	Dec. 31, 2018
Subordinated Borrowings [Abstract]
SUBORDINATED DEBENTURES AND MANDATORY REDEEMABLE CAPITAL DEBENTURES	NOTE 13 – SUBORDINATED DEBENTURES AND MANDATORY REDEEMABLE CAPITAL DEBENTURES On June 28, 2007, Sussex Capital Trust II, a Delaware statutory business trust and a non-consolidated wholly-owned subsidiary of the Company, issued $12.5 million of variable rate capital trust pass-through securities to investors. Sussex Capital Trust II purchased $12.9 million of variable rate subordinated deferrable interest debentures from the Company. The debentures are the sole asset of the Trust. The terms of the subordinated debentures are the same as the terms of the capital securities. The Company has also fully and unconditionally guaranteed the obligations of the Trust under the capital securities. The variable interest rate reprices quarterly at the three month LIBOR plus 1.44% and was 4.23% and 3.03% at December 31, 2018 and 2017 , respectively. The capital securities are currently redeemable by the Company at par in whole or in part. The capital securities must be redeemed upon final maturity of the subordinated debentures on September 15, 2037 . During the quarter ended December 31, 2016, the Company completed a $15 million private placement of fixed-to-floating rate subordinated notes to an institutional investor. The subordinated notes have a maturity date of December 22, 2026 and bear interest at the rate of 5.75% per annum, payable quarterly, for the first five years of the term, and then at a variable rate that will reset quarterly to a level equal to the then current 3-month LIBOR plus 350 basis points over the remainder of the term. The notes are redeemable after five years subject to satisfaction of certain conditions. The indebtedness evidenced by the subordinated notes, including principal and interest, is unsecured and subordinate and junior to general and secured creditors and depositors.

LEASE COMMITMENTS AND TOTAL REN

LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE	NOTE 14 – LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE The Company has operating lease agreements expiring in various years through 2028. The Company has the option to extend the lease agreements for additional lease terms. The Company is responsible to pay all real estate taxes, insurance, utilities and maintenance and repairs on its leased facilities. Future minimum payments under non-cancellable leases by year are as follows as of December 31, 2018 : (Dollars in thousands) 2019 $ 999 2020 524 2021 153 2022 45 2023 45 Thereafter 361 $ 2,127 Rent expense was $684 thousand and $659 thousand for the years ended December 31, 2018 and 2017 , respectively. Sub-rental income was $278 thousand and $29 thousand for the years ended December 31, 2018 and 2017, respectively.

EMPLOYEE BENEFIT PLANS

EMPLOYEE BENEFIT PLANS	12 Months Ended
	Dec. 31, 2018
Retirement Benefits [Abstract]
EMPLOYEE BENEFIT PLANS	NOTE 15 – EMPLOYEE BENEFIT PLANS The Company has a 401 (k) Plan and Trust (the “ 401 (k) Plan”) for its employees. Non-highly compensated employees may contribute up to the statutory limit of 75% of their salary to the 401 (k) Plan. Highly compensated employees are restricted to a contribution up to 7% of their salary. The Company provides a 50% match of the employee's contribution up to 6% of the employee's annual salary. The amount charged to expense related to the 401 (k) Plan for the years ended December 31, 2018 and 2017 was $240 thousand and $153 thousand , respectively. The Company also maintains nonqualified Supplemental Salary Continuation Plans (the “Supplemental Plans”) covering the Company’s former Chairman and a former executive officer of the Company. Under the provisions of the Supplemental Plans, the Company has executed agreements providing the officers a retirement benefit. Payments from the Supplemental Plans for the Chairman began in May of 2008 and the other executive started in April of 2010. For the years ended December 31, 2018 and 2017 , $25 thousand and $46 thousand , respectively, were charged to expense in connection with the Plans. At December 31, 2018 and 2017 , the carrying value of the Supplemental Plans was $542 thousand and $632 thousand , respectively. In March of 2005, the Board of Directors approved an Executive Incentive and Deferred Compensation Plan (the “Incentive Plan”). The purpose of the Incentive Plan is to motivate and reward participants for achieving bank financial and strategic goals as well as to provide specified benefits to a select group of management or highly compensated employees who contribute materially to the continued growth, development and future business success of the Company . Participants may elect to receive their award or defer compensation in a deferral account which will earn interest at the average interest rate earned by the Company in its investment portfolio, compounded monthly. At December 31, 2018 and 2017 , the carrying value of deferred compensation was $234 thousand and $218 thousand , respectively. In July 2006, the Board of Directors adopted a Director Deferred Compensation Agreement for both the Bank and the Company (the “DCA”). Under the terms of the DCA, a director may elect to defer all or a portion of his retainer and fees for the coming year. Under the DCA, only the payment of the compensation earned is deferred, and there is no deferral of the expense in the Company’s financial statements related to the participant’s deferred compensation, which will be charged to the Company’s income statement as an expense in the period in which the participant earned the compensation. The deferred amounts are credited with earnings at a rate equal to the average interest rate earned by the Company on its investment portfolio or at a rate that tracks the performance of the Company’s common stock. In September 2015, the Board of Directors adopted an amendment under the DCA. The amendment, which is effective October 1, 2015, specifies that participants are no longer eligible to be credited earnings based on a rate that tracks the performance of the Company’s common stock on new amounts deferred after such date. Additionally, effective January 1, 2016, the maximum earnings on deferred compensation amounts that are eligible to be credited with an earnings rate that tracks the performance of the Company’s common stock is limited to 10% of the stock price at end of the previous plan year. In June 2016, the Board of Directors adopted an amendment to the DCA which supersedes the prior amendment from September 2015. The amendment, effective July 1, 2016, allows the Company’s Directors to elect to defer part or all of their fees into a stock account, consisting of the Company’s common stock, which is administered through a rabbi trust. The Company is responsible for submitting each Director’s deferral to the trustee of the rabbi trust to be used for the purchase of the Company’s common stock. Distributions from the Director's stock account shall be made in the same medium, the Company's common stock. The participant’s benefit will be distributed to the participant or his beneficiary upon a change in control of the Company, the termination of the DCA, the occurrence of an unforeseeable emergency, the termination of service or the participant’s death or disability. Upon distribution, a participant’s benefit will be paid in monthly installments over a period of ten years . At December 31, 2018 and 2017 , the liability for the DCA was $25 thousand and $24 thousand , respectively. The DCA liability of $25 thousand at December 31, 2018, consisted entirely of amounts deferred under the interest rate earnings election; the liability of $24 thousand at December 31, 2017, consisted entirely of amounts deferred under the interest rate earnings election . During 2016, the amounts deferred under the common stock performance election were transferred into the stock account administered through the Rabbi Trust. In conjunction with the DCA, at December 31, 2018, 99,029 shares of Company common stock were held in the Rabbi Trust. In July 2011, the Company entered into a Supplemental Executive Retirement Agreement (“SERP”), a non-qualified defined contribution pension plan that provides supplemental retirement income for the Company’s Chief Executive Officer. The SERP was effective as of January 1, 2011. Based on the attainment of certain annual performance targets, the Company will make annual contributions to the SERP. Any amounts credited to the SERP will accrue interest equal to that paid by U.S. 10 -year Treasury Notes for each applicable year. The SERP provides for the benefits to be paid monthly over a 5 -year period commencing the first day of the month following the later of the participant’s 65th birthday, or normal retirement age, or termination of employment. At December 31, 2018 and 2017 , the carrying value of the SERP was $535 thousand and $426 thousand , respectively.

COMPREHENSIVE INCOME AND ACCUMU

COMPREHENSIVE INCOME AND ACCUMULATED OTHER COMPREHENSIVE INCOME	12 Months Ended
	Dec. 31, 2018
Comprehensive Income [Abstract]
COMPREHENSIVE INCOME AND ACCUMULATED OTHER COMPREHENSIVE INCOME	NOTE 16 – COMPREHENSIVE INCOME AND ACCUMULATED OTHER COMPREHENSIVE INCOME Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available for sale securities, are reported as a separate component of the equity section of the balance sheet, such items, along with net income, are components of comprehensive income. The components of other comprehensive (loss) income, both before tax and net of tax, are as follows: Year Ended December 31, 2018 Year Ended December 31, 2017 Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax (Dollars in thousands) Other comprehensive (loss) income: Fair value adjustments on derivatives $ (116 ) $ (33 ) $ (83 ) $ (196 ) $ (78 ) $ (118 ) Fair value adjustments on retirement benefits 11 3 8 — — — Unrealized (loss) gains on available for sale securities (1,966 ) (512 ) (1,454 ) 1,682 672 1,010 Reclassification adjustment for net loss (gains) on securities transactions included in net income (36 ) (11 ) (25 ) 9 4 5 Total other comprehensive income $ (2,107 ) $ (553 ) $ (1,554 ) $ 1,495 $ 598 $ 897 Reclassification adjustments for (loss) gains loss on securities transactions of $(36) thousand and $9 thousand for the years ended December 31, 2018 and 2017 , respectively, are presented in the income statement within the line item for net gain on securities transactions. The other components of accumulated other comprehensive (loss) income included in stockholders` equity at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Unrealized (loss) gain on available for sale investments $ (1,152 ) $ 270 Unrealized gain on derivative instruments 977 870 Unrealized gain on retirement benefits 8 — Reclassification due to the adoption of ASU 2018-02 — 247 Accumulated other comprehensive (loss) income $ (167 ) $ 1,387

EARNINGS PER SHARE

EARNINGS PER SHARE	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
EARNINGS PER SHARE	NOTE 17 – EARNINGS PER SHARE The following table sets forth the computations of basic and diluted earnings per share: (In thousands, except share and per share data) Income (Numerator) Shares (Denominator) Per Share Amount Year Ended December 31, 2018: Shares Outstanding (weighted average) 7,874,676 Shares held by Rabbi Trust 99,029 Share liability under deferred compensation agreement (99,029 ) Basic earnings per share: Net earnings applicable to common stockholders $ 9,923 7,874,676 $ 1.26 Effect of dilutive securities: Unvested stock awards — 46,593 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 9,923 7,921,269 $ 1.25 Year Ended December 31, 2017: Shares Outstanding (weighted average) 5,359,430 Shares held by Rabbi Trust 93,977 Share liability under deferred compensation agreement (93,977 ) Basic earnings per share: Net earnings applicable to common stockholders $ 5,691 5,359,430 $ 1.06 Effect of dilutive securities: Unvested stock awards — 44,951 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 5,691 5,404,381 $ 1.05 There were 0 and 13,317 shares of options outstanding during December 31, 2018 and 2017 , respectively, that were not included in the computation of diluted EPS because to do so would have been anti-dilutive for the periods presented.

STOCK INCENTIVE PLANS

STOCK INCENTIVE PLANS	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK INCENTIVE PLANS	NOTE 18 – STOCK INCENTIVE PLANS During 2005, the stockholders approved the 2004 Equity Incentive Plan (the “2004 Plan”) to provide equity incentives to selected persons. Awards may be granted to employees, officers, directors, consultants and advisors of the Company or subsidiary. Awards granted under the 2004 Plan may be either stock options or restricted stock awards and are designated at the time of grant. Options granted under the 2004 Plan to directors, consultants and advisors are non-qualified stock options. Options granted to officers and other employees may be incentive stock options or non-qualified stock options. Restricted stock awards may be made to any plan participant. As of December 31, 2018 , there were no authorized shares available for future grants under the 2004 Plan. During 2013, the stockholders approved the 2013 Equity Incentive Plan (the “2013 Plan”) to provide equity incentives to selected persons. Awards may be granted to employees, officers, directors, consultants and advisors of the Company or subsidiary. Awards granted under the 2013 Plan may be either stock options or restricted stock awards and are designated at the time of grant. Restricted stock awards may be made to any plan participant. As of December 31, 2018 , there were 36,332 shares available for future grants under the 2013 Plan. Information regarding the Company's restricted stock grants activity for the years ended December 31, 2018 and 2017 are as follows: 2018 2017 Number of Shares Weighted Average Grant Date Fair Value Number of Shares Weighted Average Grant Date Fair Value Unvested restricted stock, beginning of year 85,761 $ 18.34 80,743 $ 10.51 Granted (vesting period between 3-5 years) 50,045 28.85 53,554 22.02 Forfeited (4,148 ) 17.66 (4,057 ) 12.58 Vested (34,193 ) 16.39 (44,479 ) 9.09 Unvested restricted stock, end of period 97,465 $ 24.45 85,761 $ 18.34 Total stock-based compensation related to restricted stock awards was $767 thousand and $660 thousand for the years ended December 31, 2018 and December 31, 2017 , respectively. As of December 31, 2018 and 2017 , there were $1.6 million and $918 thousand , respectively, of unrecognized compensation cost related to non-vested restricted stock awards which is expected to be recognized over a weighted average period of 2.1 years and 2.2 years. Options granted to officers and other employees and which are incentive stock options, are subject to limitations under Section 422 of the Internal Revenue Code. The option price under each such grant shall not be less than the fair market value on the date of the grant. No option will be granted for a term in excess of ten years. The Company established a vesting schedule that must be satisfied before the options may be exercised. Stock option transactions under all plans are summarized as follows: Number of Shares Weighted Average Exercise Price per Share Weighted Average Contractual Term Aggregate Intrinsic Value Outstanding, December 31, 2016 69,123 $ 11.10 Options granted — — Options expired — — Options exercised — — Outstanding, December 31, 2017 69,123 11.10 Options granted — — Options expired — — Options exercised — — Outstanding, December 31, 2018 69,123 $ 11.10 6.4 $ 645,686 Exercisable, December 31, 2018 42,629 $ 10.72 6.2 $ 414,504 The following table summarizes information about stock options outstanding and exercisable at December 31, 2018 : Exercise Price Number Outstanding Weighted Average Remaining Life (Years) Number Exercisable 9.97 32,000 5.9 25,600 10.25 10,907 6.1 6,543 12.83 26,216 7.2 10,486 69,123 6.4 42,629 There were no options exercised in 2018 and 2017. Total stock-based compensation related to stock options was $49 thousand for the years ended December 31, 2018 and 2017 , respectively. There were no options granted during the year ended December 31, 2018 and 2017. The weighted average expected life of stock options represents the period of time that the stock options are expected to be outstanding and is estimated using historical data of stock option exercises and estimated forfeiture rates. Expected future expense relating to the non-vested options outstanding as of December 31, 2018 is $67 thousand over a weighted average period of 1.4 years. Upon exercise of vested options, management expects to draw on authorized unissued stock as the source of the shares.

INCOME TAXES

INCOME TAXES	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE 19 – INCOME TAXES The Company and its subsidiary are subject to U.S. federal and state income tax. The components of income tax expense for the years ended December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Current: Federal $ 2,112 $ 2,859 State 1,393 983 3,505 3,842 Deferred: Federal (51 ) 741 State (395 ) (104 ) (446 ) 637 $ 3,059 $ 4,479 The reconciliation of the statutory federal income tax at a rate of 21% and 34%, respectively, to the income tax expense included in the statements of income and comprehensive income for the years ended December 31, 2018 and 2017 is as follows: (Dollars in thousands) 2018 2017 Federal income tax at statutory rate $ 2,726 21 % $ 3,458 34 % Tax exempt interest (371 ) (3 ) (438 ) (4 ) State income tax, net of federal income tax effect 788 6 580 6 Rate change impact — — 942 9 Bank owned life insurance (160 ) (1 ) (178 ) (2 ) M&A expenses 171 1 263 3 Other (95 ) — (148 ) (2 ) $ 3,059 24 % $ 4,479 44 % The components of the net deferred tax asset at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Deferred tax assets: Allowance for loan losses $ 2,069 $ 2,016 Deferred compensation 462 357 Deferred Fees — 3 Foreclosed real estate 99 186 Restricted stock 258 188 Unrealized loss on securities available for sale 401 — Other 759 468 Total deferred tax assets 4,048 3,218 Deferred tax liabilities: Depreciation (26 ) (448 ) Prepaid expenses (66 ) (32 ) Purchase accounting (51 ) — Unrealized gain on retirement benefit plan (3 ) — Unrealized gain on securities, available for sale — (122 ) Unrealized gain on interest rate swaps (358 ) (391 ) Total deferred tax liabilities (504 ) (993 ) Net deferred tax asset, included in other assets $ 3,544 $ 2,225 On December 22, 2017, H.R.1, commonly known as the Tax Cuts and Jobs Act (the “Act”) was signed into law. The Act contains several changes in existing law impacting businesses, including the reduction of the Federal Corporate income tax rate from 34% to 21%, effective January 1, 2018. As a result of the rate reduction, the Company re-measured its deferred tax assets using the newly enacted corporate tax rate through income tax expense in the period of enactment. The Company’s re-measurement of its net deferred tax asset resulted in additional income tax expense of $942 thousand at December 31, 2017.

TRANSACTIONS WITH EXECUTIVE OFF

TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS	NOTE 20 – TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS The Company has had, and may be expected to have in the future, banking transactions in the ordinary course of business with its executive officers, directors, principal stockholders, their immediate families and affiliated companies (commonly referred to as related parties), on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with others. The related party loan activity for the years ended December 31, 2018 and 2017 is summarized as follows: (Dollars in thousands) 2018 2017 Balance, beginning $ 21,564 $ 10,332 Disbursements 9,852 12,306 Repayments and other (2,493 ) (1,074 ) Balance, ending $ 28,923 $ 21,564 Deposits from certain executive officers, directors and their affiliates at December 31, 2018 and 2017 totaled $45.5 million and $9.6 million , respectively. Certain related parties of the Company provided legal services and appraisal services to the Company. Legal services provided by related parties totaled $39 thousand and $19 thousand for the years ended December 31, 2018 and 2017 , respectively. Appraisal services provided by related parties totaled $ 9 thousand and $ 0 thousand for the years ended December 31, 2018 and 2017 , respectively. The Company also paid rent to related parties for an office location in the amount of $ 152 thousand and $ 148 thousand for the years ended December 31, 2018 and 2017 , respectively.

FINANCIAL INSTRUMENTS WITH OFF-

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	12 Months Ended
	Dec. 31, 2018
Financial Instruments With Off-Balance Sheet Risk [Abstract]
FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK	NOTE 21 – FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and letters of credit. Those instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the balance sheet. The Company`s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. A summary of the Company's financial instrument commitments at December 31, 2018 and 2017 is as follows: (Dollars in thousands) 2018 2017 Commitments to grant loans $ 87,722 $ 87,630 Unfunded commitments under lines of credit 184,523 93,555 Outstanding standby letters of credit 1,376 485 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The Company evaluates each customer's credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Company upon extension of credit, is based on management's credit evaluation. Collateral held varies but may include personal or commercial real estate, accounts receivable, inventory and equipment. Outstanding letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for standby letters of credit is represented by the contractual amount of those instruments. These standby letters of credit expire within twelve months, although many have automatic renewal provisions. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending other loan commitments. The Company requires collateral and personal guarantees supporting these letters of credit as deemed necessary. Management believes that the proceeds obtained through a liquidation of such collateral and enforcement of personal guarantees would be sufficient to cover the maximum potential amount of future payments required under the corresponding guarantees. The current amount of the liability as of December 31, 2018 and 2017 for guarantees under standby letters of credit issued is not material.

REVENUE RECOGNITION

REVENUE RECOGNITION	12 Months Ended
	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
REVENUE RECOGNITION	NOTE 22 – REVENUE RECOGNITION Effective July 1, 2018, the Company adopted ASU 2014-09 Revenue from Contracts with Customers and all subsequent amendments to the ASU (collectively, "ASC 606”), which (i) creates a single framework for recognizing revenue from contracts with customers that fall within its scope and (ii) revises when it is appropriate to recognize a gain (loss) from the transfer of nonfinancial assets, such as securities and premises and equipment. The majority of the Company’s revenues come from interest income and other sources, including loans, leases, securities, and derivatives that are outside the scope of ASC 606. The Company’s services that fall within the scope of ASC 606 are presented within other income and are recognized as revenue as the Company satisfies its performance obligation to the customer. Services within the scope of ASC 606 include deposit service charges on deposits, interchange income, and insurance contracts. The Company, using a modified retrospective transition approach, determined that there will be no cumulative effect adjustment to retained earnings as a result of adopting the new standard, nor will the standard have a material impact on our consolidated financial statements including the timing or amounts of revenue recognized. All of the Company’s revenue from contracts with customers within the scope of ASC 606 is recognized within other income. The following table presents the Company’s sources of other income for the years ended December 31, 2018 and 2017. Sources of revenue outside the scope of ASC 606 are noted as such. (Dollars In Thousands) Year Ended December 31, 2018 2017 Other income: Service fees on deposit accounts $ 1,290 $ 1,123 ATM and debit card fees 983 777 Bank-owned life insurance (1) 761 522 Insurance commissions and fees 6,640 5,326 Investment brokerage fees (1) 104 24 Net gain (loss) on sales of securities (1) 36 (9 ) Net gain on sale and disposal of premises and equipment (1) 9 7 Other 926 515 Total Other Income $ 10,749 $ 8,285 (1) Not within the scope of ASC 606. A description of the Company’s revenue streams accounted for under ASC 606 is as follows: Service Fees on Deposit Accounts The Company earns fees from deposit customers for transaction-based, account maintenance, and overdraft services. Transaction-based fees, which include services such as ATM use fees, stop payment charges, statement rendering, and ACH fees, are recognized at the time the transaction is executed at the point in the time the Company fulfills the customer’s request. Account maintenance fees, which relate primarily to monthly maintenance, are earned over the course of a month, representing the period over which the Company satisfies the performance obligation. Overdraft fees are recognized at the point in time that the overdraft occurs. Service charges on deposits are withdrawn from the customer’s account balance. Interchange Income The Company earns interchange fees from debit and credit card holder transactions conducted through various payment networks. Interchange fees from cardholder transactions are recognized daily, concurrently with the transaction processing services provided by an outsource technology solution and are presented on a net basis. Insurance commissions and fees Commission revenues are recognized as of the effective date of the insurance policy or the date on which the policy premium is processed into our systems, whichever is later. Commission revenues related to installment billings are recognized on the latter of effective or invoiced date. Subsequent commission adjustments are recognized upon our receipt of notification from insurance companies concerning matters necessitating such adjustments. Profit-sharing contingent commissions are recognized when determinable, which is generally when such commissions are received from insurance companies, or when we receive formal notification of the amount of such payments. Other Other fees consist of revenues that are both in scope and out of scope of ASC 606. Other fee revenues in scope of ASC 606 are made up of wire transfer fees for deposit customers, other agency fee income for SB One Insurance, and other deposit related fees. Revenues for such fees are recognized at the point the fee is incurred by the customer.

STOCKHOLDERS' EQUITY, CAPITAL A

STOCKHOLDERS' EQUITY, CAPITAL AND REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2018
Regulatory Capital Requirements [Abstract]
STOCKHOLDERS' EQUITY, CAPITAL AND REGULATORY MATTERS	In 2017, the Company closed a public offering of 1,136,363 shares of the Company’s common stock at a public offering price of $24.00 per share. The Company granted the underwriters a 30 -day option to purchase up to an additional 113,636 shares of its common stock, which was exercised in full by the Underwriters on June 16, 2017. The net proceeds to the Company (including the proceeds from the exercise of the Underwriters’ option) after deducting underwriting discounts and commissions was $28.0 million , which will be used for general corporate purposes. The Company incurred $470 thousand in offering expenses which reduced net proceeds. The Company is required to maintain cash reserve balances either in vault cash or with the Federal Reserve Bank. The total of those reserve balances was approximately $4.4 million at December 31, 2018 . The Bank is subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet the minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank’s assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk-weightings and other factors. The federal banking agencies have substantially amended the regulatory risk-based capital rules applicable to the Bank. The amendments implemented the “Basel III” regulatory capital reforms and changes required by the Dodd-Frank Act. The new rules apply regulatory capital requirements to the Bank. The amended rules included new minimum risk-based capital and leverage ratios, which became effective in January 2015, with certain requirements to be phased in beginning in 2016, and refined the definition of what constitutes “capital” for purposes of calculating those ratios. The new minimum capital level requirements applicable to the Bank include: (i) a new common equity Tier 1 capital ratio of 5.75% (increased from 4.5% ; (ii) a Tier 1 capital ratio of 7.25% (increased from 6% ); (iii) a total capital ratio of 9.25% (increased from 8% ); and (iv) a Tier 1 leverage ratio of 4% for all institutions. The amended rules establish a “capital conservation buffer” of 2.5% (phased in over four years at 0.625% per year) above the new regulatory minimum capital ratios, and would result in the following phased-in minimum ratios when fully implemented: (i) a common equity Tier 1 capital ratio of 7.0% ; (ii) a Tier 1 capital ratio of 8.5% ; and (iii) a total capital ratio of 10.5% . The new capital conservation buffer requirement phased in beginning in January 2016 at 0.625% of risk-weighted assets and will increase each year until fully implemented in January 2019. An institution will be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations will establish a maximum percentage of eligible retained income that could be utilized for such actions. As of December 31, 2018 , the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since that notification that management believes have changed the Bank’s category. The Bank’s actual capital amounts and ratios at December 31, 2018 and 2017 are presented below: Actual For Capital Adequacy Purposes plus Capital Conservation Buffer To be Well Capitalized under Prompt Corrective Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total capital (to risk-weighted assets): $ 188,647 12.94 % >143,984 >9.88% >145,733 >10.00% Tier I capital (to risk-weighted assets): 179,872 12.34 % >114,837 >7.88 >116,586 >8.00 Common equity tier I capital (to average assets): 179,872 12.34 % >92,977 >6.38 >94,726 >6.50 Tier I capital (to average assets): 179,872 12.06 % >59,673 >4.00 >74,591 >5.00 As of December 31, 2017 Total capital (to risk-weighted assets): $ 121,141 15.17 % >$73,847 >9.25% >$79,835 >10.00% Tier I capital (to risk-weighted assets): 113,806 14.26 % >57,880 >7.25 >63,868 >8.00 Common equity tier I capital (to average assets): 113,806 14.26 % >45,905 >5.75 >51,893 >6.50 Tier I capital (to average assets): 113,806 11.86 % >38,391 >4.00 >47,989 >5.00 The Bank is subject to certain restrictions on the amount of dividends that it may declare due to regulatory considerations. The State of New Jersey banking laws specify that no dividend shall be paid by the Bank on its capital stock unless, following the payment of such dividend, the capital stock of the Bank will be unimpaired and the Bank will have a surplus of not less than 50% of its capital stock or, if not, the payment of such dividend will not reduce the surplus of the Bank. At December 31, 2018 , the Bank’s funds available for payment of dividends were $203.4 million . Accordingly, $4.4 million of the Company’s equity in the net assets of the Bank was restricted as of December 31, 2018 . In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank’s capital to be reduced below applicable minimum capital requirements.

PARENT COMPANY ONLY FINANCIAL

PARENT COMPANY ONLY FINANCIAL	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
PARENT COMPANY ONLY FINANCIAL	NOTE 24 – PARENT COMPANY ONLY FINANCIAL Condensed financial information pertaining only to the parent company, SB One Bancorp, is as follows: BALANCE SHEETS December 31, (Dollars in thousands) 2018 2017 Assets Cash $ 80 $ 347 Interest-bearing deposits with other banks 248 249 Investment in subsidiary 209,037 117,953 Accrued interest and other assets 3,995 3,555 Total Assets $ 213,360 $ 122,104 Liabilities and Stockholders' Equity Other liabilities $ 58 $ 63 Long-term borrowings — — Subordinated debentures 27,859 27,848 Stockholders' equity 185,443 94,193 Total Liabilities and Stockholders' Equity $ 213,360 $ 122,104 STATEMENTS OF INCOME AND COMPREHENSIVE INCOME Year Ended December 31, (Dollars in thousands) 2018 2017 Dividend received from subsidiaries $ 2,803 $ — Interest expense on borrowings (15 ) (109 ) Interest expense on debentures (1,263 ) (1,278 ) Other expenses (280 ) (217 ) Income (loss) before income tax benefit and equity in undistributed net income of subsidiaries 1,245 (1,604 ) Income tax benefit 305 623 Income (loss) before equity in undistributed net income of subsidiaries 1,550 (981 ) Equity in undistributed net income of subsidiaries 8,373 6,672 Net Income 9,923 5,691 Comprehensive income $ 8,369 $ 6,588 STATEMENTS OF CASH FLOWS Year Ended December 31, (Dollars in thousands) 2018 2017 Cash Flows from Operating Activities: Net Income $ 9,923 $ 5,691 Adjustments to reconcile net income to net cash provided by operating activities: Amortization of subordinated debenture 11 8 Net change in other assets and liabilities 435 607 Equity in undistributed net income of subsidiaries (8,373 ) (6,672 ) Net Cash used in Operating Activities 1,996 (366 ) Cash Flows from Investing Activities: Capital contribution from to subsidiaries — (21,240 ) Net Cash Used in Investing Activities — (21,240 ) Cash Flows from Financing Activities: Cash dividends paid (2,263 ) (1,203 ) Net proceeds from issuance of common stock — 28,027 Repayment of long-term borrowings — (5,000 ) Net Cash (Used in) Provided by Financing Activities (2,263 ) 21,824 Net (Decrease) Increase in Cash and Cash Equivalents (267 ) 218 Cash and Cash Equivalents - Beginning of Year 347 129 Cash and Cash Equivalents - End of Year $ 80 $ 347

CONTINGENCIES

CONTINGENCIES	12 Months Ended
	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
CONTINGENCIES	NOTE 25 – CONTINGENCIES In the normal course of business, the Company is subject to various lawsuits involving matters generally incidental to its business. Management is of the opinion that the ultimate liability, if any, resulting from any pending actions or proceedings will not have a material effect on the financial condition or results of operations of the Company.

SUMMARY OF SIGNIFICANT ACCOUN_2

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Principles of Consolidation	Principles of Consolidation The consolidated financial statements include the accounts of SB One Bancorp (the “Company”), formerly Sussex Bancorp, and its wholly owned subsidiary, SB One Bank (the “Bank”), formerly Sussex Bank. The Bank’s wholly owned subsidiaries are SCB Investment Company, Inc., SCBNY Company, Inc., Community Investing Company, Inc., ClassicLake Enterprises, LLC, GFR Maywood LLC, 490 Boulevard Realty Corp., PPD Holding Company, LLC and SB One Insurance Agency, Inc. (“SB One Insurance Agency”), formerly Tri-State Insurance Agency, Inc. All intercompany transactions and balances have been eliminated in consolidation.
Organization and Nature of Operations	Organization and Nature of Operations The Company’s business is conducted principally through the Bank. The Bank is a New Jersey state chartered bank and provides full banking services. The Bank generates commercial, mortgage and consumer loans and receives deposits from customers at its eight branches located in Sussex County, New Jersey, two branches in Essex County, New Jersey, one branch in Warren County, New Jersey, one branch in Bergen County, New Jersey, one branch in Middlesex County, New Jersey, one branch in Union County, New Jersey, and one in Queens County, New York. As a state bank, the Bank is subject to regulation by the New Jersey Department of Banking and Insurance and the Federal Deposit Insurance Corporation. The Company is subject to regulation by the Federal Reserve Board. SCB Investment Company, Inc., Community Investing Company, Inc. and SCBNY Company, Inc. hold portions of the Bank’s investment portfolio. SB One Insurance provides insurance agency services mostly through the sale of property and casualty insurance policies. ClassicLake Enterprises, LLC, and PPD Holding Company, LLC, GFR Maywood LLC and 490 Boulevard Realty Corp. hold certain foreclosed properties. In 2018, the Company opened a corporate office in Rockaway, New Jersey, a regional office and corporate centers in Wantage, New Jersey and Rochelle Park, New Jersey.
Estimates	Estimates The preparation of consolidated financial statements in conformity with accounting principles generally accepted in the United States of America (“U.S. GAAP”) requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the other-than-temporary impairment, allowance for loan losses, valuation of foreclosed real estate, valuation of goodwill, the valuation of deferred tax assets and the fair value of financial instruments.
Business Combinations	Business Combinations The Company accounts for business combinations under the purchase method of accounting. The application of this method of accounting requires the use of significant estimates and assumptions in the determination of the fair value of assets acquired and liabilities assumed in order to properly allocate purchase price consideration between assets that are amortized, accreted or depreciated from those that are recorded as goodwill. Our estimates of the fair values of assets acquired and liabilities assumed are based upon assumptions that we believe to be reasonable, and whenever necessary, include assistance from independent third-party appraisal and valuation firms.
Significant Group Concentrations of Credit Risk	Significant Group Concentrations of Credit Risk Most of the Company’s activities are with customers located within Sussex, Bergen, and Essex Counties and adjacent counties in the states of New Jersey, New York and Pennsylvania. Notes 4 and 5 discuss the types of securities that the Company invests in. The types of lending that the Company engages are included in Note 6. Although the Company has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy. The Company does not have any significant concentrations in any one industry or customer.
Cash and Cash Equivalents	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include highly liquid instruments with original maturities of less than 90 days, primarily, balances due from banks, interest bearing deposits with banks and federal funds sold. Generally, federal funds are purchased and sold for one-day periods.
Securities	Securities Securities are designated at the time of acquisition as available for sale or held to maturity. Securities that the Company will hold for indefinite periods of time and that might be sold in the future as part of efforts to manage interest rate risk or in response to changes in interest rates, changes in prepayment risk, changes in market conditions or changes in economic factors are classified as available for sale. Securities available for sale are carried at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive (loss) income, net of related deferred tax effect. Securities that the Company has the positive intent and ability to hold to maturity are designated as held to maturity regardless of changes in market conditions, liquidity needs or changes in general economic conditions and carried at amortized cost. Purchase premiums and discounts are recognized in interest income using the level yield method over the contractual terms of the securities. Gains and losses realized on sales of securities are determined on the specific identification method and are reported in non-interest income. The Company periodically evaluates the security portfolio to determine if a decline in the fair value of any security below its cost basis is other-than-temporary. The Company’s evaluation of other-than-temporary impairment considers the duration and severity of the impairment, the company’s intent and ability to hold the securities and our assessments of the reason for the decline in value and the likelihood of a near-term recovery. If a determination is made that a debt security is other-than-temporarily impaired, the Company will estimate the amount of the unrealized loss that is attributable to credit and all other non-credit related factors. The credit related component will be recognized as an other-than-temporary impairment charge in non-interest income. The non-credit related component will be recorded as an adjustment to accumulated other comprehensive income (“AOCI”), net of tax.
Federal Home Loan Bank Stock	Federal Home Loan Bank Stock Federal law requires a member institution of the Federal Home Loan Bank (“FHLB”) system to hold stock of its district FHLB according to a predetermined formula. Based on redemption provisions of the FHLB, the stock has no quoted market value and is carried at cost.
Loans Receivable	Loans Receivable Loans receivable that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are stated at their outstanding unpaid principal balances, net of an allowance for loan losses and any deferred fees or costs. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the yield (interest income) of the related loans. The Bank is generally amortizing these amounts over the contractual life of the loan. The loans receivable portfolio is segmented into commercial and residential and consumer loans. Commercial loans consist of the following classes: commercial and industrial, commercial real estate, and construction loans. Residential and consumer loans consist of the following classes: residential real estate and consumer and other loans. For all classes of loans, the accrual of interest is discontinued when the contractual payment of principal or interest has become 90 days past due or management has serious doubts about further collectability of principal or interest, even though the loan is currently performing. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. When a loan is placed on nonaccrual status, unpaid interest credited to income in the current year is reversed and unpaid interest accrued in prior years is charged against the allowance for loan losses. Interest received on nonaccrual loans including impaired loans generally are either applied against principal or reported as interest income, according to management’s judgment as to the collectability of principal. Generally, loans are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. The past due status of all classes of loans receivable is determined based on contractual due dates for loan payments. Purchased Credit Impaired (“PCI”) loans are loans acquired at a discount rate, in part, to credit quality. PCI loans are accounted for in accordance with ASC Subtopic 310-30, “Loans and Debt Securities Acquired with Deteriorated Credit Quality”, and are initially recorded at fair value (as determined by the present value of expected future cash flows) with no valuation allowance (i.e., the allowance for loan losses). The difference between the undiscounted cash flows expected at acquisition and the initial carrying amount (fair value) of the PCI loans, or the “accretable yield,” is recognized as interest income utilizing the level-yield method over the life of the loans. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition, or the “non-accretable difference,” are not recognized as a yield adjustment, as a loss accrual or a valuation allowance. Reclassifications of the non-accretable difference to the accretable yield may occur subsequent to the loan acquisition dates due to increases in expected cash flows of the loans and would result in an increase in yield on a prospective basis.
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses represents the amount, which, in management’s judgment, will be adequate to absorb credit losses inherent in the loan portfolio as of the balance sheet date. The adequacy of the allowance is determined by management’s evaluation of the loan portfolio based on such factors as the differing economic risks associated with each loan category, the current financial condition of specific borrowers, the economic environment in which borrowers operate, the level of delinquent loans, the value of any collateral and, where applicable, the existence of any guarantees or indemnifications. The allowance for loan losses is established through provisions for loan losses charged against income. Loans deemed to be uncollectible are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance for loan losses. The allowance for loan losses consists of specific, general and unallocated components. The specific component relates to loans that are classified as impaired. For such loans, an allowance is established when the discounted cash flows, collateral value or observable market price is lower than the carrying value for that loan. The general component covers all other loans and is based on historical loss factors adjusted for general economic factors and other qualitative risk factors such as changes in delinquency trends, industry concentrations and local/national economic trends. The allowance contains reserves identified as unallocated. These reserves reflect management's attempt to ensure that the overall allowance reflects a margin for imprecision and the uncertainty that is inherent in estimates of probable credit losses. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan by loan basis for commercial and industrial, commercial real estate and construction loans by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s observable market price or the fair value of the collateral if the loan is collateral dependent.
Troubled Debt Restructurings ("TDR")	Troubled Debt Restructurings (“TDR”) A modification to the terms of a loan is generally considered a TDR if the Company grants a concession to the borrower that it would not otherwise consider for economic or legal reasons related to the debtor’s financial difficulties. A TDR may include, but is not necessarily limited to, the modification of loan terms such as a temporary or permanent reduction of the loan’s stated interest rate, extension of the maturity date and/or reduction or deferral of amounts owed under the terms of the loan agreement. All restructured loans that qualify as TDRs are placed on nonaccrual status for a period of no less than six months after restructuring, irrespective of the borrower’s adherence to a TDR’s modified repayment terms during which time TDRs continue to be adversely classified and reported as impaired. TDRs may be returned to accrual status if (1) the borrower has performed in accordance with the terms of the restructured loan agreement for no less than six consecutive months after restructuring, and (2) the Company expects to receive all principal and interest owed in accordance with the terms of the restructured loan agreement. If these conditions are met the loan may also be returned to a non-adverse classification while retaining its impaired status.
Transfers of Financial Assets	Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been surrendered. Control over transferred assets is deemed to be surrendered when (1) the assets have been isolated from the Company, (2) the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and (3) the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Foreclosed Real Estate	Foreclosed Real Estate Foreclosed real estate is primarily comprised of property acquired through a foreclosure proceeding or acceptance of a deed-in-lieu of foreclosure. Foreclosed real estate is initially recorded at fair value, less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less costs to sell. Revenues and expenses from operations and changes in the valuation allowance are included in expenses related to foreclosed real estate. We may obtain physical possession of residential real estate collateralizing a consumer mortgage loan via foreclosure on an in-substance repossession.
Premises and Equipment	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: Years Buildings and building improvements 20 – 40 Leasehold improvements 5 – 10 Furniture, fixtures and equipment 5 – 10 Computer equipment and software 3 – 5 The Company periodically evaluates impairment of long-lived assets to be held and used or to be disposed of by sale. There was no impairment of long-lived assets at any of the reported periods.
Bank-owned Life Insurance (BOLI)	Bank-owned Life Insurance (“BOLI”) BOLI is carried at the amount that could be realized under the Company’s life insurance contracts as of the date of the consolidated balance sheets and is classified as a non-interest earning asset. BOLI involves purchasing life insurance by the Company on a chosen group of employees in order to fund certain employee and director benefits. The Company is the owner and beneficiary of the policies. Increases in the carrying value are recorded as other income in the consolidated statements of income and insurance proceeds received are generally recorded as a reduction of the carrying value. The carrying value consists of cash surrender value of $35.8 million at December 31, 2018 and $22.1 million at December 31, 2017 .
Goodwill and intangible assets	Goodwill and intangible assets Goodwill represents the excess of the purchase price over the fair market value of net assets acquired. At December 31, 2018 and 2017 , the Company has recorded goodwill totaling $27.3 million and $2.8 million , respectively, consisting of $22.3 million from the acquisition of Community in 2018, $2.2 million from the acquisition of Enterprise in 2018, $2.3 million from the acquisition of an insurance agency in 2001 and $486 thousand from the acquisition of a bank branch in 2006. In accordance with current accounting standards, goodwill is not amortized, but evaluated at least annually for impairment. Any impairment of goodwill results in a charge to income. The Company periodically assesses whether events and changes in circumstances indicate that the carrying amounts of goodwill and intangible assets may be impaired. The estimated fair value of each reporting segment exceeded its book value; therefore, no write-down of goodwill was required. Goodwill related to acquisitions is not deductible for tax purposes. The balance of other intangible assets at December 31, 2018 totaled $2.1 million representing the remaining unamortized balance of the core deposit intangibles ascribed to the value of deposits acquired by the Bank through the acquisitions of Community in January 2018 and Enterprise in December 2018. The Company did not have intangible assets at December 31, 2017. Core deposit premiums represent the intangible value of depositor relationships assumed in purchase acquisitions and are amortized on an accelerated basis over 10 years .
Advertising Costs	Advertising Costs The Company follows the policy of charging the costs of advertising to expense as incurred.
Income Taxes	Income Taxes The Company accounts for income taxes under the asset/liability method in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification 740, Income Taxes . The income tax guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. 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, as well as operating loss and tax credit carry forwards. 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 in which they occur. A valuation allowance is established against deferred tax assets when, in the judgment of management, it is more likely than not that such deferred tax assets will not become available. Because the judgment about the level of future taxable income is dependent to a great extent on matters that may, at least in part, be beyond the Company’s control, it is at least reasonably possible that management’s judgment about the need for a valuation allowance for deferred taxes could change in the near term. In connection with the accounting guidance related to accounting for uncertainty in income taxes, which sets out a consistent framework to determine the appropriate level of tax reserves to maintain for uncertain tax positions, the Company has evaluated its tax positions as of December 31, 2018 . A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of the tax benefit that has more than a 50 percent likelihood of being realized on examination. For tax positions not meeting the “more likely than not” test, no tax benefit is recorded. Under the “more likely than not” threshold guidelines, the Company believes no significant uncertain tax positions exist, either individually or in the aggregate, that would give rise to the non-recognition of an existing tax benefit. As of December 31, 2018 the Company had no material unrecognized tax benefits or accrued interest or penalties. The Company’s policy is to account for interest as a component of interest expense and penalties as a component of other expense. The Company and its subsidiaries file a consolidated federal income tax return as well as income tax returns in the States of New Jersey, New York and Pennsylvania. The Company’s federal and state income tax returns subsequent to 2015 remain subject to examination by respective tax authorities.
Off-Balance Sheet Financial Instruments	Off-Balance Sheet Financial Instruments In the ordinary course of business, the Bank has entered into off-balance sheet financial instruments consisting of commitments to extend credit and letters of credit. Such financial instruments are recorded in the balance sheet when they are funded.
Derivatives	Derivatives The Company utilizes derivative instruments in the form of interest rate swaps to hedge the variability in its cash flows due to interest rate risk. The variability in cash flows is managed as part of the Company’s asset/liability management process. In accordance with accounting requirements, the Company formally designates all of its hedging relationships as cash flow hedges, intended to offset changes in the cash flows of certain financial instruments due to movement in interest rates, and documents the strategy for undertaking the hedge transactions and its method of assessing ongoing effectiveness. All derivatives are recognized as either assets or liabilities in the Consolidated Financial Statements at their fair values. Should the cash flow hedge become ineffective, the ineffective portion of changes in fair value (i.e. gain or loss) is reported in current period earnings. The effective portion of the change in fair value is initially recorded as a component of other comprehensive income (loss) and subsequently reclassified into earnings when the hedged transaction effects earnings. Derivative effectiveness and ineffectiveness will be assessed and measured at the date of designation (inception), each reporting date, and whenever a designated hedge period is terminated to ensure that ongoing high effectiveness is expected by regression analysis of the periodic change in fair value of the hedging instrument and the periodic change in fair value of the hypothetical derivative. The Company’s interest rate derivatives are comprised entirely of interest rate swaps hedging floating-rate and forecasted issuances of fixed-rate liabilities and accounted for as cash flow hedges. The carrying value of interest rate derivatives is included in the balance of other assets or other liabilities. Changes in fair value are offset against accumulated other comprehensive income, net of deferred income tax.
Stock Compensation Plans	Stock Compensation Plans The Company currently has multiple stock plans in place for employees and directors of the Company. U.S. GAAP requires that the compensation cost relating to share-based payment transactions be recognized in financial statements. The share-based compensation accounting guidance requires that compensation cost for all stock awards be calculated and recognized over a defined vesting period. For awards with graded-vesting, compensation cost is recognized on a straight-line basis over the requisite vesting period for the entire award. A Black-Scholes model is used to estimate the fair value of stock options, while the market price of the Company’s common stock at the date of grant is used for restricted stock awards. If pre-vesting termination (forfeiture) occurs, then any expense recognized to date can be reversed. Effective in 2016, the Company and Bank amended the Directors’ Deferred Compensation Agreement (“DCA”) to permit directors of the Company and Bank to defer their board fees in the form of shares of to be held in Rabbi Trust. Fees deferred in the form of shares placed in the Rabbi Trust are accounted for and disclosed in accordance with the applicable guidance specific to deferred compensation plans involving Rabbi Trusts contained within Accounting Standards Codification (“ASC”) section 710.
Earnings per Share	Earnings per Share Basic earnings per share represents net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. The weighted-average common shares outstanding include the weighted-average number of shares of common stock outstanding and the weighted average number of unvested shares of participating restricted stock. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate to unexercised outstanding stock options. Potential common shares related to stock options are determined using the treasury stock method. Shares held by the Rabbi Trust are treated as treasury stock for purposes of basic and diluted earnings per share calculations while the related share obligations are reflection in the denominator of the earnings per share calculations in accordance with the provisions of ASC 260-10-45.
Comprehensive Income	Comprehensive Income Comprehensive income includes net income and all other changes in equity during a period except those resulting from investments by owners and distributions to owners. Other comprehensive income includes revenues, expenses, gains and losses that under U.S. GAAP are included in comprehensive income but excluded from net income. Comprehensive income and accumulated other comprehensive income (“AOCI”) are reported net of related income taxes. AOCI for the Company consists of unrealized holding gains or losses on securities available for sale and fair value adjustments on derivatives.
Segment Reporting	Segment Reporting The Company acts as an independent community financial services provider and offers traditional banking and related financial services to individual, business and government customers. Through its branch and automated teller machine networks, the Bank offers a full array of commercial and retail financial services, including taking of time, savings and demand deposits; the making of commercial, consumer and mortgage loans; and the providing of other financial services. Management does not separately allocate expenses, including the cost of funding loan demand, between the commercial, retail, trust and mortgage banking operations of the Bank. As such, discrete financial information is not available and segment reporting would not be meaningful. The Company’s insurance agency is managed separately from the traditional banking and related financial services that the Company offers. The insurance operations provides primarily property and casualty coverage. See Note 3 for segment reporting of insurance operations.
Insurance Agency Operations	Insurance Agency Operations SB One Insurance is a retail insurance broker operating in the State of New Jersey. The insurance agency’s primary source of revenue is commission income, which is earned by placing insurance coverage for its customers with various insurance underwriters. The insurance agency places basic property and casualty, life and health coverage with about twenty different insurance carriers. There are two main billing processes, direct billing (currently accounts for approximately 80% of revenues) and agency billing. Revenue Recognition of SB One Insurance Agency Commission revenues are recognized as of the effective date of the insurance policy or the date on which the policy premium is processed into our systems, whichever is later. Commission revenues related to installment billings are recognized on the latter of effective or invoiced date. Subsequent commission adjustments are recognized upon our receipt of notification from insurance companies concerning matters necessitating such adjustments. Profit-sharing contingent commissions are recognized when determinable, which is generally when such commissions are received from insurance companies, or when we receive formal notification of the amount of such payments.
Subsequent Events	Subsequent Events The Company has evaluated events and transactions occurring subsequent to the balance sheet date of December 31, 2018 for items that should potentially be recognized or disclosed in these financial statements. The evaluation was conducted through the date these financial statements were issued.
New Accounting Standards	New Accounting Standards In May 2014, the FASB issued an Accounting Standard Update (“ASU”) 2014-09 to amend its guidance on “Revenue from Contracts with Customers, (Topic 606). The objective of the ASU is to align the recognition of revenue with the transfer of promised goods or services provided to customers in an amount that reflects the consideration which the entity expects to be entitled in exchange for those goods or services. This ASU will replace most existing revenue recognition guidance under U.S. GAAP when it becomes effective. In August 2015, the FASB issued an amendment (ASU 2015-14) which defers the effective date of this new guidance by one year. More detailed implementation guidance on Topic 606 was issued in March 2016 (ASU 2016-08), April 2016 (ASU 2016-10) May 2016 (ASU 2016-12), December 2016 (ASU 2016-20), February 2017 (ASU 2017-05) and September 2017 (ASU 2017-13), and the effective date and transition requirements for these ASUs are the same as the effective date and transition requirements of ASU 2014-09. The amendments in Topic 606 are effective for public business entities for annual periods beginning after December 15, 2017. Approximately 80% of the Company’s revenue is comprised of interest income on financial assets, which are explicitly excluded from the scope of Topic 606. With respect to the remaining elements of our non-interest income, management has identified revenue streams within the scope of the guidance, primarily insurance commissions and fees, service fees on deposits and ATM and debit card fees. Topic 606 states that revenue should be recognized when the entity satisfies a performance obligation by transferring goods or services to the customer. An asset is considered transferred when the customer obtains control of the asset and is able to use and obtain substantially all of the benefits of the asset. The entity then has to determine whether the performance obligation was satisfied over time or at a point in time to determine when to recognize revenue. For insurance commissions and fees, we determined based on the criteria presented in Topic 606 that once the contract is executed there is no further obligation by SB One Insurance; therefore, the revenue would be recognized at the time the contract period begins. For service fees on deposits and ATM/Debit Card fees, we determined based on the criteria presented in Topic 606 that the performance obligation was satisfied at a point in time since the customer obtains immediate control of the deposit accounts and ATM/Debit Card and there are no additional obligations that the entity performs over time; therefore, the revenue would be recognized as received. The Company recognized $6.6 million in insurance commissions and fees, $1.3 million in income for Service fees on deposit accounts and $983 thousand in ATM and debit card fees for the year ended December 31, 2018. The Company has and continues to present the revenue and associated costs on a net basis. ASU 2014-09 and related amendments were adopted effective January 1, 2018, using the cumulative effect approach. Under this alternative, the Company applied the new revenue standard only to contracts that are incomplete under legacy U.S. GAAP at the date of initial application and did not recognize the cumulative effect of the new standard as an adjustment to the opening balance of retained earnings. That is, prior years will not be restated and additional disclosures will be provided to enable users of the financial statements to understand the impact of adopting the new standard in the current year compared to prior years that are presented under legacy U.S. GAAP. The Company`s adoption of the ASU did not significantly change the recognition of revenue on the Company's consolidated financial statements. See Note 22 Revenue Recognition for additional information. In January 2016, FASB issued ASU 2016-01, Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities. ASU 2016-01, among other things, (i) requires equity investments, with certain exceptions, to be measured at fair value with changes in fair value recognized in net income; (ii) simplifies the impairment assessment of equity investments without readily determinable fair values by requiring a qualitative assessment to identify impairment; (iii) eliminates the requirement for public business entities to disclose the methods and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost on the balance sheet; (iv) requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes; (v) requires an entity to present separately in other comprehensive income the portion of the total change in the fair value of a liability resulting from a change in the instrument-specific credit risk when the entity has elected to measure the liability at fair value in accordance with the fair value option for financial instruments; (vi) requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset on the balance sheet or the accompanying notes to the financial statements; and (vii) clarifies that an entity should evaluate the need for a valuation allowance on a deferred tax asset related to available-for-sale. For public entities, the guidance is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2017. The Company`s adoption of the ASU did not have a significant impact on the Company's consolidated financial statements. In February 2016, FASB issued ASU 2016-02, Leases (Topic 842). Under the new guidance, lessees are required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (i) a lease liability, which is a lessee’s obligation to make lease payments arising from a lease, measured on a discounted basis; and (ii) a right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Public business entities should apply the amendments in ASU 2016-02 for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted for all public business entities upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. In July 2018, the FASB issued ASU 2018-10, Codification Improvements to Topic 842, Leases which was issued to clarify and correct untended application of the guidance in ASU 2016-02 (Topic 842). The amendments in this ASU affect aspects of the guidance issued in ASU 2016-02 and provide clarification to related topics, such as 1) Rate implicit in the lease; 2) Reassessment of leases; 3) Transition guidance; and 4) Impairment of net investment in the lease. In July 2018, the FASB also issued ASU 2018-11 Leases (Topic 842) Targeted Improvements, which provides guidance related to comparative reporting requirements for initial adoption and separating lease and non-lease components. Currently, entities are required to adopt the new standard utilizing the modified retrospective approach. This amendment provides entities with an additional transition method which allows entities to initially apply the new leases standard at the adoption date and recognize a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Currently, ASU 2016-02, provides a practical expedient to lessees to allow them to not separate non-lease components from lease components; however, it does not provide a similar practical expedient to lessors. This amendment provides a practical expedient to lessors which allows them the option to not separate non-lease components from the associated lease components. However, the lessor practical expedient is limited to circumstances in which the non-lease components would otherwise be account for under the new revenue guidance (Topic 606). In addition, both of the following conditions must be met: 1) the timing and pattern of transfer are the same for non-lease components and associated lease components 2) the lease component, if accounted for separately, would be classified as an operating lease. An entity that elects the lessor practical expedient is also required to provide certain disclosures. For entities that early adopted Topic 842 the amendments in these ASUs are effective upon issuance. The Company adopted both ASU No. 2016-02 and ASU No. 2018-11 effective January 1, 2019 and elected to apply the guidance as of the beginning of the period of adoption (January 1, 2019) and not restate comparative periods. The Company also elected certain optional practical expedients, which allow the Company to forego a reassessment of (1) whether any expired or existing contracts are or contain leases, (2) the lease classification for any expired or existing leases, and (3) the initial direct costs for any existing leases. Additionally, the Company elected to adopt the practical expedient use of hindsight to determine right if use asset and lease liability for each lease with a renewal option through their first option date. The Company also anticipates additional disclosures to be provided on its quarterly report on Form 10-Q for the quarter ended March 31, 2019. Adoption of the standard did not result in material changes to the Company's consolidated results of operations. The Company's adoption of the ASU resulted in a right of use asset and lease liability of approximately $2.7 million at January 1, 2019. The impact of the adoption on the Company's operating results will not be significant. In June, 2016, the FASB issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326), which introduces new guidance for the accounting for credit losses on instruments within its scope. The new guidance introduces an approach based on expected losses to estimate credit losses on certain types of financial instruments. It also modifies the impairment model for available-for-sale (AFS) debt securities and provides for a simplified accounting model for purchased financial assets with credit deterioration since their origination. This ASU will be effective for public business entities that are SEC filers in fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. All other entities will have one additional year. Early application of the guidance will be permitted for all entities for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. The Company is currently evaluating the impact of the pending adoption of the new standard on its consolidated financial statements. The Company has determined that a third-party vendor will assist with model development, data governance and operational controls to support the adoption of this ASU. Model implementation, including development and validation, is set to be begin in the second quarter of 2019, as is the establishment of the control activities required to support the models. In August 2016, FASB issued ASU No. 2016-15, Classification of Certain Cash Receipts and Cash Payments (a consensus of the FASB Emerging Issues Task Force), which addresses eight classification issues related to the statement of cash flows: (i) debt prepayment or debt extinguishment costs, (ii) settlement of zero-coupon bonds, (iii) contingent consideration payments made after a business combination, (iv) proceeds from the settlement of insurance claims, (v) proceeds from the settlement of corporate-owned life insurance policies, including bank-owned life insurance policies, (vi) distributions received from equity method investees, (vii) beneficial interests in securitization transactions, and (viii) separately identifiable cash flows and application of the predominance principle. ASU 2016-15 is effective for public business entities for annual and interim periods in fiscal years beginning after December 15, 2017. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the ASU in an interim period, adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. An entity that elects early adoption must adopt all of the amendments in the same period. Entities should apply this ASU using a retrospective transition method to each period presented. If it is impracticable for an entity to apply the ASU retrospectively for some of the issues, it may apply the amendments for those issues prospectively as of the earliest date practicable. The Company`s adoption of the ASU did not have a significant impact on the Company's consolidated financial statements. In January 2017, FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment (Topic 350). The main objective of this ASU is to simplify the accounting for goodwill impairment by requiring impairment charges be based upon the first step in the current two-step impairment test under Accounting Standards Codification (ASC) 350. Currently, if the fair value of a reporting unit is lower than its carrying amount (Step 1), an entity calculates any impairment charge by comparing the implied fair value of goodwill with its carrying amount (Step 2). This ASU’s objective is to simplify how all entities assess goodwill for impairment by eliminating Step 2 from the goodwill impairment test. As amended, the goodwill impairment test will consist of one step comparing the fair value of a reporting unit with its carrying amount. An entity should recognize a goodwill impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value. The standard will be applied prospectively and is effective for annual and interim impairment tests performed in periods beginning after December 15, 2019. Early adoption is permitted for annual and interim goodwill impairment testing dates after January 1, 2017. The Company is currently evaluating the impact of the pending adoption on its consolidated financial statements. In March 2017, FASB issued ASU 2017-08, Premium Amortization on Purchased Callable Debt Securities (Subtopic 310-20). The update shortens the amortization period for premiums on purchased callable debt securities to the earliest call date. The amendment will apply only to callable debt securities with explicit, noncontingent call features that are callable at fixed prices and on preset dates, apply to all premiums on callable debt securities, regardless of how they were generated, and require companies to reset the effective yield using the payment terms of the debt security if the call option is not exercised on the earliest call date. The ASU does not require an accounting change for securities held at a discount. The discount continues to be amortized to maturity and does not apply when the investor has already incorporated prepayments into the calculation of its effective yield under other GAAP. The amendments in the ASU are effective for public business entities for fiscal years beginning after December 15, 2018, including interim periods within those years. Early adoption is permitted, including adoption in an interim period. If an entity early adopts the amendments in an interim period, any adjustments should be reflected as of the beginning of the fiscal year that includes that interim period. The Company's adoption of the ASU will not have a significant impact on the Company's consolidated financial statements. In August 2017, FASB issued ASU 2017-12 Derivatives and Hedging (Topic 815). The objective of the ASU is to improve the financial reporting of hedging relationships to better portray the economic results of an entity’s risk management activities in its financial statements and to make improvements to simplify the application of hedge accounting guidance in current GAAP. The amendments in the ASU will, among other things, 1) permit hedge accounting for risk components in hedging relationships involving nonfinancial risk and interest rate risks; 2) change the guidance for designating fair value hedges of interest rate risk and for measuring the change in fair value of the hedged item in fair value hedges of interest rate risk; 3) modify disclosures to include a tabular disclosure related to the effect on the income statement of fair value and cash flow hedges; and 4) eliminate the requirement to disclose the ineffective portion of the change in fair value of hedging instruments. These changes will more closely align the results of cash flow and fair value hedge accounting with risk management activities and the presentation of hedge results in the financial statements. ASU 2017-12 will be effective for public business entities for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. For all other entities, the ASU will be effective for fiscal years beginning after December 15, 2019 and interim periods within fiscal years beginning after December 15, 2020. Early application is permitted in any interim period after issuance of the update with all transition requirements and elections being applied to hedging relationships existing on the date of adoption. The Company's adoption of the ASU will not have a significant impact on the Company's consolidated financial statements. In January 2018, FASB issued ASU 2018-02 Income Statement - Reporting Comprehensive Income (Topic 220) which introduces guidance for stranded tax effects resulting from the re-measurement of deferred tax assets and liabilities due to the newly enacted Tax Act. The amendments in ASU 2018-02 would require a reclassification from accumulated other comprehensive income (“AOCI”) to retained earnings for tax effects resulting from the re-measurement. The amount of the reclassification would be the difference between the amount initially charged or credited to other comprehensive income at the previous U.S. federal corporate income tax rate ( 34 percent) that remains in AOCI and the amount that would’ve been charged or credited directly to other comprehensive income using the newly enacted U.S. federal corporate income tax rate ( 21 percent). ASU 2018-02 is effective for all entities for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Entities should apply the amendments in this ASU using a retrospective transition method to each period in which the effect of the change in U.S. federal corporate income tax rate in the “Tax Act” is recognized. Early application is permitted, including adoption in interim periods, for public business entities in which financial statements have not yet been issued and for all other entities in which financial statements have not been made available for issuance. As a result of the “Tax Act” the Company re-measured their deferred tax assets and liabilities utilizing the newly enacted federal corporate income tax rate which resulted in a reduction of $247 thousand in deferred tax liabilities related to elements of accumulated other comprehensive income and a related reduction of federal income tax of $247 thousand for the year ended December 31, 2017. The Company elected to early adopt this ASU and, accordingly, has reclassified the $247 thousand from accumulated other comprehensive income to retained earnings effective December 31, 2017. Such reclassification is reflected in the Company`s consolidated statements of stockholders' equity. In June 2018, FASB issued ASU 2018-07 Compensation - Stock Compensation (Topic 718). The main objective of this ASU is to simplify the accounting for share-based payment transactions in current GAAP by expanding the scope to include nonemployee share-based payment transactions. This ASU will apply to all share-based payment transactions in which a grantor acquires goods or services to be used in their own operations by issuing share-based payments. This ASU does not apply to share-based payments used to provide financing to the issuer or awards issued in conjunction with selling goods or services to customers as part of a contract accounted for under Topic 606, Revenue from Contracts with Customers. The amendments in the ASU will require an entity to, among other things, 1) measure nonemployee share-based payment awards at the fair value of the equity instruments that an entity is obligated to issue when the good has been delivered or the service has been rendered; 2) measure equity classified nonemployee share-based payment awards at the grant date; and 3) take into consideration the probability of satisfying performance conditions when accounting for nonemployee share-based payment awards with such conditions. ASU 2018-07 will be effective for public business entities for fiscal years beginning after December 15, 2018, including interim periods within that fiscal year. Early adoption is permitted; however, an entity’s adoption date shall not be earlier than the entity’s adoption date of Topic 606. Per review of the ASU, the Company determined that it does not pertain to our current operations; therefore, no evaluation regarding adoption is required. In August 2018, FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework - Changes to the Disclosure Requirements for Fair Value Measurement. The updates in this ASU are part of the disclosure framework project and modify the disclosure requirements on fair value measurements in Topic 820, Fair Value Measurement. The modifications include removal, modification, and removal of disclosure requirements. The ASU removed the following disclosure requirements: a) The amount of and reasons for transfers between Level 1 and Level 2 of the fair value hierarchy, b) The policy for timing of transfers between levels, c) The valuation process for Level 3 fair value measurements, c) For nonpublic entities, the changes in unrealized gains and losses for the period included in earnings for recurring Level 3 fair value measurements held at the end of the reporting period. The ASU added the following disclosure requirements: a) the changes in unrealized gains and losses for the period included in other comprehensive income for recurring Level 3 fair value measurements held at the end of the reporting period; b) the range and weighted average of significant unobservable inputs used to develop Level 3 fair value measurements. For certain unobservable inputs, an entity may disclose other quantitative information (such as the median or arithmetic average) in lieu of the weighted average if the entity determines that other quantitative information would be a more reasonable and rational method to reflect the distribution of unobservable inputs used to develop Level 3 fair value measurements. The ASU also modified the following disclosure requirements: a)In lieu of a rollforward for Level 3 fair value measurements, a nonpublic entity is required to disclose transfers into and out of Level 3 of the fair value hierarchy and purchases and issues of Level 3 assets and liabilities; b) For investments in certain entities that calculate net asset value, an entity is required to disclose the timing of liquidation of an investee's assets and the date when restrictions from redemption might lapse only if the investee has communicated the timing to the entity or announced the timing publicly; c) Clarifies that the measurement uncertainty disclosure is to communicate information about the uncertainty in measurement as of the reporting date. ASU 2018-13 will be effective for public business entities for fiscal years and interim periods within those years beginning after December 15, 2019. The Company is currently evaluating the impact of the pending adoption on its consolidated financial statements. In August 2018, FASB issued ASU 2018-14, Compensation-Retirement Benefits-Defined Benefit Plans - General (Topic 715-20): Disclosure Framework - Changes to the Disclosure Requirements for Defined Benefit Plans which modifies the disclosure requirements for employers that sponsor defined benefit pension or other postretirement plans. The updates in this ASU are part of the disclosure framework project ASU 2018-14 and modify the disclosure requirements under ASC 715-201 for employers that sponsor defined benefit pension or other postretirement plans. Those modifications include the removal, addition, and of disclosure requirements as well as clarifying specific disclosure requirements. The ASU removed the following disclosures: a) the amounts in accumulated other comprehensive income expected to be recognized as components of net periodic benefit cost over the next fiscal year; b) the amount and timing of plan assets expected to be returned to the employer; c) the disclosures related to the June 2001 amendments to the Japanese Welfare Pension Insurance Law; d) related party disclosures about the amount of future annual benefits covered by insurance and annuity contracts and significant transactions between the employer or related parties and the plan; and e) for nonpublic entities, the reconciliation of the opening balances to the closing balances of plan assets measured on a recurring basis in Level 3 of the fair value hierarchy. However, nonpublic entities will be required to disclose separately the amounts of transfers into and out of Level 3 of the fair value hierarchy and purchases of Level 3 plan assets. f) For public entities, the effects of a one-percentage-point change in assumed health care cost trend rates on the (a) aggregate of the service and interest cost components of net periodic benefit costs and (b) benefit obligation for postretirement health care benefits. The ASU added the following disclosures: a) The weighted-average interest crediting rates for cash balance plans and other plans with promised interest crediting rates. b) An explanation of the reasons for significant gains and losses related to changes in the benefit obligation for the period. The ASU then clarified the following disclosures: a) the projected benefit obligation (PBO) and fair value of plan assets for plans with PBOs more than plan assets; and b) the accumulated benefit obligation (ABO) and fair value of plan assets for plans with ABOs more than plan assets. ASU 2018-14 will be effective for public business entities for fiscal years ending after December 15, 2020. The Company is currently evaluating the impact of the pending adoption on its consolidated financial statements. In October 2018, the FASB issued ASU 2018-16: “Derivatives and Hedging (Topic 815)-Inclusion of the Secured Overnight Financing Rate (SOFR) Overnight Index Swap (OIS) Rate as a Benchmark Interest Rate for Hedge Accounting Purposes”. The amendment permits the use of the Overnight Index Swap (OIS) Rate based on the Secured Overnight Financing Rate (SOFR) as a U.S. benchmark interest rate for hedge accounting purposes. ASU 2018-16 is effective for fiscal years beginning after December 15, 2018, with early adoption permitted. Early adoption is permitted in any interim period upon issuance of this ASU if an entity already has adopted ASU 2017-12. The amendments in this update should be applied prospectively for qualifying new or redesignated hedging relationships entered into on or after the date of adoption. The Company will evaluate the effect of ASU No. 2018-16 on the Company’s Consolidated Financial Statements.

SUMMARY OF SIGNIFICANT ACCOUN_3

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	12 Months Ended
	Dec. 31, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Premises And Equipment Useful Life	Depreciation is computed on the straight-line method over the following estimated useful lives of the related assets: Years Buildings and building improvements 20 – 40 Leasehold improvements 5 – 10 Furniture, fixtures and equipment 5 – 10 Computer equipment and software 3 – 5

ACQUISITIONS (Tables)

ACQUISITIONS (Tables)	12 Months Ended
	Dec. 31, 2018
Business Combinations [Abstract]
Summary of Estimated Fair Value of Acquired Assets and Liabilities Assumed	The following table summarized the estimated fair value of the acquired assets and liabilities assumed at the date of acquisition for Community. (Dollars in thousands) January 4, 2018 Cash and cash equivalents $ 6,693 Interest bearing time deposits with other banks 100 Securities available for sale 75,909 Other bank stock 1,155 Loans 236,010 Foreclosed real estate 1,312 Premises and equipment, net 10,612 Accrued interest receivable 824 Goodwill (banking segment) 22,298 Intangibles assets 1,331 Bank-owned life insurance 7,963 Other assets 1,677 Total Assets $ 365,884 Deposits $ (301,157 ) Borrowings (12,000 ) Other liabilities (844 ) Total Liabilities $ (314,001 ) Net consideration paid - common shares issued $ 51,883 The following table summarized the estimated fair value of the acquired assets and liabilities assumed at the date of acquisition for Enterprise. (Dollars in thousands) December 21, 2018 Cash and cash equivalents, net of stock options paid in cash $ 9,153 Securities available for sale 2,193 Other bank stock 2,380 Loans 257,170 Foreclosed real estate 1,250 Premises and equipment, net 422 Accrued interest receivable 880 Goodwill (banking segment) 2,204 Intangibles assets 1,039 Other assets 3,064 Total Assets $ 279,755 Deposits $ (197,321 ) Borrowings (47,106 ) Other liabilities (2,882 ) Total Liabilities $ (247,309 ) Net consideration paid - common shares issued $ 32,446
Summary of Fair Value Adjustments to Amortized Cost Basis of Loans Acquired	The following is a summary of the loans accounted for in accordance with ASC 310-30 that were acquired in the Community acquisition as of the closing date. (Dollars in thousands) Acquired Credit Impaired Loans Contractually required principal and interest at acquisition $ 6,289 Contractual cash flows not expected to be collected (non-accretable difference) 1,819 Expected cash flows at acquisition 4,470 Interest component of expected cash flows (accretable difference) 846 Fair value of acquired loans $ 3,624 The table below illustrates the fair value adjustments made to the amortized cost basis in order to present a fair value of the loans acquired. The credit adjustment on purchased credit impaired loans is derived in accordance with ASC 310-30 and represents the portion of the loan balances that has been deemed uncollectible based on the Company’s expectations of future cash flows for each respective loan on a level yield amortization over 3.5 years . (Dollars in thousands) Gross amortized cost basis at January 4, 2018 $ 242,471 Fair value adjustment on general pooled loans (3,737 ) Credit fair value adjustment on purchased credit impaired loans (2,664 ) Fair value of acquired loans at January 4, 2018 $ 236,070 The table below illustrates the fair value adjustments made to the amortized cost basis in order to present a fair value of the loans acquired. There was no credit adjustment for purchased credit impaired loans in the Enterprise acquisition. (Dollars in thousands) Gross amortized cost basis at December 21, 2018 $ 262,126 Fair value adjustment on general pooled loans (4,956 ) Fair value of acquired loans at December 21, 2018 $ 257,170
Pro Forma Business Acquisition Information	The following table presents certain pro forma information as if Community had been acquired on January 1, 2017 and January 1, 2018. These results combine the historical results of the Company in the Company’s Consolidated Statements of Income and, while certain adjustments were made for the estimated impact of certain fair value adjustments and other acquisition-related activity, they are not indicative of what would have occurred had the acquisition taken place on January 1, 2017 and January 1, 2018. In particular, no adjustments have been made to eliminate the amount of Community’s provision for loan losses that would not have been necessary had the acquired loans been recorded at fair value as of January 1, 2017 and January 1,2 018. The Company expects to achieve further operating cost savings and other business synergies as a result of the acquisition which are not reflected in the pro forma amounts below: (Dollars in thousands) Year Ended December 31, 2018 Year Ended December 31, 2017 Total revenues (net interest income plus non-interest income) $ 54,941 $ 47,280 Net Income 9,935 6,257 Basic and diluted earnings per share applicable to common stockholders $ 1.25 $ 0.79 The following table presents certain pro forma information as if Enterprise had been acquired on January 1, 2017 and January 1, 2018. These results combine the historical results of the Company in the Company’s Consolidated Statements of Income and, while certain adjustments were made for the estimated impact of certain fair value adjustments and January 1, 2017 and January 1, 2018. In particular, no adjustments have been made to eliminate the amount of Enterprise’s provision for loan losses that would not have been necessary had the acquired loans been recorded at fair value as of January 1, 2017 and January 1, 2018. The Company expects to achieve further operating cost savings and other business synergies as a result of the acquisition which are not reflected in the pro forma amounts below: (Dollars in thousands) Year Ended December 31, 2018 Year Ended December 31, 2017 Total revenues (net interest income plus non-interest income) $ 64,827 $ 46,175 Net Income 12,496 7,283 Basic and diluted earnings per share applicable to common stockholders $ 1.80 $ 0.84

SEGMENT REPORTING (Tables)

SEGMENT REPORTING (Tables)	12 Months Ended
	Dec. 31, 2018
Segment Reporting [Abstract]
Schedule Of Segment Information	Segment information for 2018 and 2017 is as follows: (Dollars in thousands) Banking and Financial Services Insurance Services Total Year Ended December 31, 2018: Net interest income from external sources $ 44,080 $ — $ 44,080 Other income from external sources 3,975 6,774 $ 10,749 Depreciation and amortization 1,809 27 $ 1,836 Income before income taxes 10,987 1,995 $ 12,982 Income tax expense 2,261 798 $ 3,059 Total assets 1,790,851 4,852 $ 1,795,703 Year Ended December 31, 2017: Net interest income from external sources $ 29,088 $ — $ 29,088 Other income from external sources 2,864 5,421 $ 8,285 Depreciation and amortization 1,037 24 $ 1,061 Income before income taxes 8,757 1,413 $ 10,170 Income tax expense 3,914 565 $ 4,479 Total assets 975,123 4,260 $ 979,383

FAIR VALUE OF ASSETS AND LIAB_2

FAIR VALUE OF ASSETS AND LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Fair Value Disclosures [Abstract]
Summary Of Financial Assets Measured On A Recurring Basis	The following table summarizes the fair value of the Company’s financial assets measured on a recurring basis by the above pricing observability levels as of December 31, 2018 and 2017 : (Dollars in thousands) Fair Value Measurements Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) December 31, 2018 U.S. government agencies $ 24,794 $ — $ 24,794 $ — U.S. government sponsored agency 20,362 — 20,362 — State and political subdivisions 60,362 — 60,362 — Mortgage-backed securities - U.S. government-sponsored enterprises 73,613 — 73,613 — Corporate debt 3,008 — 3,008 — Derivative instruments Interest rate swaps 1,336 — 1,336 — December 31, 2017 U.S. government agencies $ 18,861 $ — $ 18,861 $ — U.S. government sponsored agency 6,061 — 6,061 — State and political subdivisions 41,234 — 41,234 — Mortgage-backed securities - U.S. government-sponsored enterprises 30,544 — 30,544 — Corporate debt 2,030 — 2,030 — Derivative instruments Interest rate swaps 1,451 — 1,451 —
Summary Of Financial Assets Measured On A Nonrecurring Basis	For assets measured at fair value on a nonrecurring basis, the fair value measurements by level within the fair value hierarchy used at December 31, 2018 and 2017 are as follows: (Dollars in thousands) Fair Value Measurements Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) December 31, 2018 Impaired loans $ 1,785 $ — $ — $ 1,785 Foreclosed real estate 730 — — $ 730 December 31, 2017 Impaired loans $ 1,794 $ — $ — $ 1,794 Foreclosed real estate 568 — — $ 568
Qualitative Information About Level 3 Fair Value Measurements	The following table presents additional qualitative information about assets measured at fair value on a nonrecurring basis and for which Level III inputs were used to determine fair value: Qualitative Information about Level III Fair Value Measurements (Dollars in thousands) Fair Value Estimate Valuation Techniques Unobservable Input Range (Weighted Average) December 31, 2018 Impaired loans $ 1,785 Appraisal of Appraisal 0% to -100.0% collateral adjustments (1) (-7.8%) Foreclosed real estate 730 Appraisal of Selling collateral expenses (1) -7.0%(-7.0%) December 31, 2017 Impaired loans $ 1,794 Appraisal of Appraisal 0% to -8.2% collateral adjustments (1) (-0.2%) Foreclosed real estate 568 Appraisal of Selling collateral expenses (1) -7.0%(-7.0%) (1) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated selling expenses. The range and weighted average of selling expenses and other appraisal adjustments are presented as a percentage of the appraisal.
Estimated Fair Values Of Financial Instruments	The fair values of the Company’s financial instruments at December 31, 2018 and 2017 were as follows: December 31, 2018 (Dollars in thousands) Carrying Amount Fair Value Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) Financial assets: Cash and cash equivalents $ 26,678 $ 26,678 $ 26,678 $ — $ — Time deposits with other banks 200 200 — 200 — Securities available for sale 182,139 182,139 — 182,139 — Securities held to maturity 4,078 4,152 — 4,152 — Other Bank Stock 11,764 11,764 — 11,764 — Loans receivable, net of allowance 1,466,000 1,428,094 — — 1,428,094 Accrued interest receivable 6,546 6,546 — 6,546 — Interest rate swaps 1,336 1,336 — 1,336 — Financial liabilities: Non-maturity deposits 965,065 965,065 — 965,065 — Time deposits 388,874 383,264 — 383,264 — Short-term borrowings 175,295 175,366 175,366 — — Long-term borrowings 44,611 44,365 — 44,365 — Subordinated debentures 27,859 26,840 — 26,840 — Accrued interest payable 1,480 1,480 — 1,480 — December 31, 2017 (Dollars in thousands) Carrying Amount Fair Value Quoted Prices in Active Markets for Identical Assets (Level I) Significant Other Observable Inputs (Level II) Significant Unobservable Inputs (Level III) Financial assets: Cash and cash equivalents $ 11,646 $ 11,646 $ 11,646 $ — $ — Time deposits with other banks 100 100 — 100 — Securities available for sale 98,730 98,730 — 98,730 — Securities held to maturity 5,304 5,430 — 5,430 — Other Bank stock 4,925 4,925 — 4,925 — Loans receivable, net of allowance 813,365 788,119 — — 788,119 Accrued interest receivable 2,472 2,472 — 2,472 — Interest rate swaps 1,451 1,451 — 1,451 — Financial liabilities: Non-maturity deposits 563,694 563,694 — 563,694 — Time deposits 198,797 197,549 — 197,549 — Short-term borrowings 55,350 55,335 55,335 — — Long-term borrowings 35,000 34,761 — 34,761 — Subordinated debentures 27,848 25,259 — 25,259 — Accrued interest payable 470 470 — 470 —

SECURITIES (Tables)

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2018
Investments [Abstract]
Amortized Cost And Approximate Fair Value Of Securities Available For Sale	The amortized cost and fair value of securities available for sale as of December 31, 2018 and 2017 are summarized as follows: (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2018 U.S. government agencies $ 25,161 $ 4 $ (371 ) $ 24,794 U.S. government sponsored agencies 20,404 38 (80 ) 20,362 State and political subdivisions 60,457 445 (540 ) 60,362 Mortgage-backed securities - U.S. government-sponsored enterprises 74,670 100 (1,157 ) 73,613 Corporate debt 3,000 8 — 3,008 $ 183,692 $ 595 $ (2,148 ) $ 182,139 December 31, 2017 U.S. government agencies $ 18,799 $ 90 $ (28 ) $ 18,861 U.S. government sponsored agencies 6,054 8 (1 ) $ 6,061 State and political subdivisions 40,470 896 (132 ) 41,234 Mortgage-backed securities - U.S. government-sponsored enterprises 30,958 65 (479 ) 30,544 Corporate debt 2,000 30 — 2,030 $ 98,281 $ 1,089 $ (640 ) $ 98,730
Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Available-For-Sale Securities	The amortized cost and fair value of securities available for sale at December 31, 2018 are shown below by contractual maturity. Actual maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Investments which pay principal on a periodic basis are not included in the maturity categories. (Dollars in thousands) Amortized Cost Fair Value Due in one year or less $ — $ — Due after one year through five years — — Due after five years through ten years 6,802 6,801 Due after ten years 56,655 56,569 Total bonds and obligations 63,457 63,370 U.S. government agencies 25,161 24,794 U.S. government sponsored agencies 20,404 20,362 Mortgage-backed securities: U.S. government-sponsored enterprises 74,670 73,613 Total available for sale securities $ 183,692 $ 182,139
Temporarily Impaired Gross Unrealized Losses And Fair Value Of Available-For-Sale Securities	The following table shows our investments’ gross unrealized losses and fair values with unrealized losses that are not deemed to be other than temporarily impaired, aggregated by investment category and length of time that individual available for sale securities have been in a continuous unrealized loss position, at December 31, 2018 and 2017 . Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2018 U.S. government agencies $ 18,998 $ (316 ) $ 2,593 $ (55 ) $ 21,591 $ (371 ) U.S. government sponsored agencies 10,348 (80 ) — — 10,348 (80 ) State and political subdivisions 17,164 (204 ) 18,785 (336 ) 35,949 (540 ) Mortgage-backed securities - U.S. government-sponsored enterprises 30,547 (271 ) 28,773 (886 ) 59,320 (1,157 ) Total temporarily impaired securities $ 77,057 $ (871 ) $ 50,151 $ (1,277 ) $ 127,208 $ (2,148 ) December 31, 2017 U.S. government agencies $ 5,280 $ (28 ) $ — $ — $ 5,280 $ (28 ) US. government sponsored agencies 3,469 (1 ) — — 3,469 (1 ) State and political subdivisions 5,212 (42 ) 3,701 (90 ) 8,913 (132 ) Mortgage-backed securities - U.S. government-sponsored enterprises 8,403 (212 ) 12,935 (267 ) 21,338 (479 ) Total temporarily impaired securities $ 22,364 $ (283 ) $ 16,636 $ (357 ) $ 39,000 $ (640 )
Amortized Cost And Approximate Fair Value Of Securities Held-To-Maturity	The amortized cost and fair value of securities held to maturity as of December 31, 2018 and 2017 are summarized as follows: (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2018 State and political subdivisions $ 4,078 $ 74 $ — $ 4,152 December 31, 2017 State and political subdivisions $ 5,304 $ 127 $ (1 ) $ 5,430
Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Held-To-Maturity Securities	The amortized cost and fair value of securities held to maturity at December 31, 2018 are shown below by contractual maturity. Actual maturities may differ from contractual maturities as issuers may have the right to call or prepay obligations with or without call or prepayment penalties. (Dollars in thousands) Amortized Cost Fair Value Due in one year or less $ 1,279 $ 1,279 Due after one year through five years 251 252 Due after five years through ten years 2,548 2,621 Due after ten years — — Total held to maturity securities $ 4,078 $ 4,152
Temporarily Impaired Gross Unrealized Losses And Fair Value Of Held-To-Maturity Securities	The following table shows our held to maturity investments’ gross unrealized losses and fair value with unrealized losses that are not deemed to be other than temporarily impaired, aggregated by investment category and length of time that individual held to maturity securities have been in a continuous unrealized loss position, at December 31, 2017. At December 31, 2018, there were no securities that had an unrealized loss. Less Than 12 Months 12 Months or More Total (Dollars in thousands) Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses Fair Value Gross Unrealized Losses December 31, 2017 State and political subdivisions $ 254 $ (1 ) $ — $ — $ 254 $ (1 )

LOANS (Tables)

LOANS (Tables)	12 Months Ended
	Dec. 31, 2018
Loans and Leases Receivable Disclosure [Abstract]
Composition Of Net Loans Receivable	The composition of net loans receivable at December 31, 2018 and 2017 is as follows: (Dollars in thousands) December 31, 2018 December 31, 2017 Commercial and industrial loans $ 81,709 $ 54,759 Construction 142,321 42,484 Commercial real estate 878,449 551,445 Residential real estate 370,955 171,844 Consumer and other 2,393 1,130 1,475,827 821,662 Unearned net loan origination fees (1,052 ) (962 ) Allowance for loan losses (8,775 ) (7,335 ) Net loans receivable $ 1,466,000 $ 813,365
Schedule of Changes in Accretable Yield	The following table presents changes in the accretable yield for PCI loans: (Dollars in thousands) Year ended December 31, 2018 Accretable yield, beginning balance $ — Acquisition of impaired loans 846 Accretable yield amortized to interest income (307 ) Reclassification from non-accretable difference — Accretable yield, ending balance $ 539

ALLOWANCE FOR LOAN LOSSES AND_2

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Tables)	12 Months Ended
	Dec. 31, 2018
Receivables [Abstract]
Changes In The Allowance For Loan Losses	The following table presents changes in the allowance for loan losses disaggregated by the class of loans receivable for the years ended December 31, 2018 and 2017 : (Dollars in thousands) Commercial and Industrial Construction Commercial Real Estate Residential Real Estate Consumer and Other Unallocated Total Year Ended: December 31, 2018 Beginning balance $ 208 $ 336 $ 5,185 $ 1,032 $ 26 $ 548 $ 7,335 Charge-offs (11 ) — (26 ) (22 ) (69 ) — (128 ) Recoveries 3 — 17 91 20 — 131 Provision 403 327 399 270 46 (8 ) 1,437 Ending balance $ 603 $ 663 $ 5,575 $ 1,371 $ 23 $ 540 $ 8,775 December 31, 2017 Beginning balance $ 110 359 $ 3,932 $ 899 $ 19 $ 1,377 $ 6,696 Charge-offs (13 ) — (874 ) (49 ) (37 ) — (973 ) Recoveries 2 — 7 10 7 — 26 Provision 109 (23 ) 2,120 172 37 (829 ) 1,586 Ending balance $ 208 $ 336 $ 5,185 $ 1,032 $ 26 $ 548 $ 7,335
Allowances Of Loan Losses And Loans Receivable By Class Disaggregated	The following table presents the balance in the allowance of loan losses at December 31, 2018 and 2017 disaggregated on the basis of our impairment method by class of loans receivable along with the balance of loans receivable by class disaggregated on the basis of our impairment methodology: Allowance for Loan Losses Loans Receivable (Dollars in thousands) Balance Balance Related to Loans Individually Evaluated for Impairment Balance Related to Loans Collectively Evaluated for Impairment Balance Individually Evaluated for Impairment Collectively Evaluated for Impairment December 31, 2018 Commercial and industrial $ 603 $ 152 $ 451 $ 81,709 $ 372 $ 81,337 Construction 663 — $ 663 142,321 — $ 142,321 Commercial real estate 5,575 274 $ 5,301 878,449 15,760 $ 862,689 Residential real estate 1,371 89 $ 1,282 370,955 4,572 $ 366,383 Consumer and other loans 23 — $ 23 2,393 — 2,393 Unallocated 540 — — — — — Total $ 8,775 $ 515 $ 7,720 $ 1,475,827 $ 20,704 $ 1,455,123 December 31, 2017 Commercial and industrial $ 208 $ — $ 208 $ 54,759 $ 20 $ 54,739 Construction 336 — $ 336 42,484 — $ 42,484 Commercial real estate 5,185 28 $ 5,157 551,445 4,763 $ 546,682 Residential real estate 1,032 10 $ 1,022 171,844 2,064 $ 169,780 Consumer and other loans 26 — $ 26 1,130 — $ 1,130 Unallocated 548 — — — — — Total $ 7,335 $ 38 $ 6,749 $ 821,662 $ 6,847 $ 814,815
An Age Analysis Of Loans Receivable	An age analysis of loans receivable which were past due as of December 31, 2018 and 2017 is as follows: (Dollars in thousands) 30-59 Days Past Due 60-89 days Past Due Greater Than 90 Days (a) Total Past Due Current Total Financing Receivables Recorded Investment > 90 Days and Accruing December 31, 2018 Commercial and industrial $ 491 $ — $ 372 $ 863 $ 80,846 $ 81,709 $ — Construction — 582 — 582 141,739 $ 142,321 — Commercial real estate 2,282 — 15,760 18,042 860,407 $ 878,449 — Residential real estate 393 35 4,572 5,000 365,955 $ 370,955 — Consumer and other 4 1 — 5 2,388 $ 2,393 — Total $ 3,170 $ 618 $ 20,704 $ 24,492 $ 1,451,335 $ 1,475,827 $ — December 31, 2017 Commercial and industrial $ — $ — $ 20 $ 20 $ 54,739 $ 54,759 $ — Construction — — 105 105 42,379 $ 42,484 — Commercial real estate 4,935 126 4,313 9,374 542,071 $ 551,445 — Residential real estate 1,304 122 1,582 3,008 168,836 $ 171,844 — Consumer and other 8 1 — 9 1,121 $ 1,130 — Total $ 6,247 $ 249 $ 6,020 $ 12,516 $ 809,146 $ 821,662 $ — (a) includes loans greater than 90 days past due and still accruing and non-accrual loans. At both December 31, 2018 and 2017, there were no loans 90 days past due and still accruing.
Loans Which The Accrual Of Interest Has Been Discontinued	Loans for which the accrual of interest has been discontinued, excluding PCI loans, at December 31, 2018 and 2017 were: (Dollars in thousands) December 31, 2018 December 31, 2017 Commercial and industrial $ 372 $ 20 Construction — 105 Commercial real estate 15,760 4,313 Residential real estate 4,572 1,582 Consumer and other — — Total $ 20,704 $ 6,020
Credit Risk Profile By Creditworthiness	The following tables illustrate the Company’s corporate credit risk profile by creditworthiness category as of December 31, 2018 and 2017 : (Dollars in thousands) Pass Special Mention Substandard Doubtful Total December 31, 2018 Commercial and industrial $ 80,977 $ 32 $ 700 $ — $ 81,709 Construction 141,871 — 450 — $ 142,321 Commercial real estate 855,180 3,908 19,361 — $ 878,449 $ 1,078,028 $ 3,940 $ 20,511 $ — $ 1,102,479 December 31, 2017 Commercial and industrial $ 54,405 $ 189 $ 165 $ — $ 54,759 Construction 42,379 105 — — $ 42,484 Commercial real estate 537,636 3,508 10,301 — $ 551,445 $ 634,420 $ 3,802 $ 10,466 $ — $ 648,688 (Dollars in thousands) Residential Real Estate Consumer December 31, 2018 Performing $ 366,408 $ 2,393 Non-Performing 4,547 — Total $ 370,955 $ 2,393 December 31, 2017 Performing $ 168,837 $ 1,130 Non-Performing 3,007 — Total $ 171,844 $ 1,130
Impaired Financing Receivables	The following table reflects information regarding the Company’s impaired loans as of December 31, 2018 and 2017 and for the years then ended: (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2018 With no related allowance recorded: Commercial and industrial $ — $ 10 $ — $ 4 $ — Construction — — — 21 — Commercial real estate 13,745 13,745 — 9,774 102 Residential real estate 2,790 2,790 — 3,082 48 With an allowance recorded: Commercial and industrial 372 572 152 195 — Commercial real estate 2,015 2,437 274 1,291 4 Residential real estate 1,782 2,329 89 714 — Consumer and other — — — — — Total: Commercial and industrial 372 582 152 199 — Construction — — — 21 — Commercial real estate 15,760 16,182 274 11,065 106 Residential real estate 4,572 5,119 89 3,796 48 Consumer and other — — — — — $ 20,704 $ 21,883 $ 515 $ 15,081 $ 154 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized December 31, 2017 With no related allowance recorded: Commercial and industrial $ 20 $ 20 $ — $ 20 $ — Commercial real estate 3,834 4,158 — 3,217 31 Residential real estate 1,844 1,877 — 1,731 20 With an allowance recorded: Commercial and industrial — — — 3 — Commercial real estate 929 1,392 28 1,557 8 Residential real estate 220 223 10 191 1 Consumer and other — — — — — Total: Commercial and industrial 20 20 — 23 — Commercial real estate 4,763 5,550 28 4,774 39 Residential real estate 2,064 2,100 10 1,922 21 Consumer and other — — — — — $ 6,847 $ 7,670 $ 38 $ 6,719 $ 60
Troubled Debt Restructured On Recorded Investment	The following table presents the recorded investment in troubled debt restructured loans as of December 31, 2018 and 2017 based on payment performance status: (Dollars in thousands) Commercial Real Estate Residential Real Estate Total December 31, 2018 Performing $ 431 $ 475 $ 906 Non-performing 1,531 517 2,048 Total $ 1,962 $ 992 $ 2,954 December 31, 2017 Performing $ 449 $ 483 $ 932 Non-performing 1,594 242 1,836 Total $ 2,043 $ 725 $ 2,768
Troubled Debt Restructurings in Current Year	The following table summarize TDRs that occurred during the years ended December 31, 2018 and 2017. Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (Dollars in thousands) December 31, 2018 Residential real estate 1 $ 514 $ 306 Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (Dollars in thousands) December 31, 2017 Residential real estate 3 $ 637 $ 615

PREMISES AND EQUIPMENT (Tables)

PREMISES AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2018
Property, Plant and Equipment [Abstract]
Components of Premises and Equipment	The components of premises and equipment at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Land and land improvements $ 3,378 $ 1,740 Building and building improvements 15,194 6,744 Leasehold improvements 3,351 2,182 Furniture, fixtures and equipment 8,382 6,048 Assets in progress 879 172 31,184 16,886 Accumulated depreciation (11,969 ) (8,497 ) Premises and equipment, net $ 19,215 $ 8,389

GOODWILL AND OTHER INTANGIBLES

GOODWILL AND OTHER INTANGIBLES (Tables)	12 Months Ended
	Dec. 31, 2018
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense	The estimated future amortization expense for each of the succeeding five years ended December 31 is as follows (dollars in thousands): For the Year Ended Amortization Expense 2019 $ 405 2020 364 2021 320 2022 277 2023 234

DEPOSITS (Tables)

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2018
Deposits [Abstract]
Components of Deposits	The components of deposits at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Demand, non-interest bearing $ 259,807 $ 146,167 Savings, money market and interest-bearing demand 705,258 417,527 Time deposits less than $100 thousand 205,372 84,299 Time deposits $100 thousand and over 183,502 114,498 Total deposits $ 1,353,939 $ 762,491
Scheduled Maturities of Time Deposits	At December 31, 2018 , the scheduled maturities of time deposits are as follows: (Dollars in thousands) Within one year $ 267,610 One to two years 73,342 Two to three years 29,358 Three to four years 10,622 After four years 7,942 $ 388,874

BORROWINGS (Tables)

BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2018
Debt Disclosure [Abstract]
Schedule of Long-Term Borrowings	At December 31, 2018 and 2017 the Bank had the following long-term fixed rate borrowings: (Dollars in thousands) Borrowing Institution Interest Rate Balance at December 31, Maturity Date 2018 2017 January 16, 2018 FHLBNY 1.18% $ — $ 5,000 July 17, 2018 FHLBNY 1.65% — 5,000 September 19, 2018 FHLBNY 1.83% — 5,000 January 8, 2019 FHLBNY 1.68% 1,000 — February 4, 2019 FHLBNY 1.53% 5,000 5,000 February 8, 2019 FHLBNY 1.70% 1,000 — March 18, 2019 FHLBNY 1.45% 949 — April 8, 2019 FHLBNY 1.73% 1,170 — May 30, 2019 FHLBNY 1.91% 1,005 — May 7, 2019 FHLBNY 2.39% 1,250 — June 12, 2019 FHLBNY 1.52% 1,000 — July 30, 2019 FHLBNY 2.19% 1,000 — August 2, 2019 FHLBNY 1.05% 2,500 — September 30, 2019 FHLBNY 2.21% 1,000 — October 30, 2019 FHLBNY 2.22% 746 — November 8, 2019 FHLBNY 2.38% 1,000 — December 9, 2019 FHLBNY 2.39% 1,000 — January 15, 2020 FHLBNY 1.66% 5,000 5,000 March 9, 2020 FHLBNY 2.43% 1,000 — May 7, 2020 FHLBNY 2.68% 1,045 — May 7, 2020 FHLBNY 2.68% 308 — June 12, 2020 FHLBNY 1.69% 741 — June 15, 2020 FHLBNY 2.69% 1,000 — July 14, 2020 FHLBNY 2.70% 789 — July 14, 2020 FHLBNY 2.70% 520 — September 8, 2020 FHLBNY 2.51% 680 — October 5, 2020 FHLBNY 1.78% 5,000 5,000 December 23, 2020 FHLBNY 2.79% 852 — January 20, 2021 (1) FHLBNY 2.07% 5,000 5,000 March 23, 2021 FHLBNY 2.83% 1,200 — June 23, 2021 FHLBNY 3.07% 2,000 — Fair value adjustment on acquired borrowings (144 ) — $ 44,611 $ 35,000 (1) $5 million FHLB borrowing has a quarterly putable option that ends at maturity
Schedule of Maturities of Debt	Maturities of long-term debt in years subsequent to December 31, 2018 are as follows: (Dollars in thousands) Within one year $ 19,476 One to two years 16,935 Two to three years 8,200 Three to four years — Four to five years — After five years — $ 44,611

DERIVATIVES (Tables)

DERIVATIVES (Tables)	12 Months Ended
	Dec. 31, 2018
Derivative Instruments and Hedging Activities Disclosure [Abstract]
Schedule of Fair Value of Derivative Financial Instruments and Classification	The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the Consolidated Statements of Financial Condition at December 31, 2018 and 2017: December 31, 2018 Notional/ Contract Amount Fair Value Balance Sheet Location Expiration Date (Dollars in thousands) Derivatives designated as hedging instruments Interest rate swaps by effective date: March 15, 2016 $ 12,500 $ 768 Other Assets March 15, 2026 December 15, 2016 5,000 246 Other Assets December 15, 2026 June 15, 2017 6,000 285 Other Assets June 15, 2027 December 15, 2017 10,000 554 Other Assets December 15, 2027 December 15, 2017 5,000 261 Other Assets December 15, 2027 September 15, 2018 20,000 (176 ) Other Assets September 15, 2021 September 15, 2018 20,000 (266 ) Other Assets September 15, 2022 September 15, 2018 17,500 (134 ) Other Assets September 15, 2021 September 15, 2018 17,500 (203 ) Other Assets September 15, 2022 Total $ 113,500 $ 1,335 December 31, 2017 Notional/ Contract Amount Fair Value Balance Sheet Location Expiration Date (Dollars in thousands) Derivatives designated as hedging instruments Interest rate swaps by effective date: March 15, 2016 $ 12,500 $ 610 Other Assets March 15, 2026 December 15, 2016 5,000 161 Other Assets December 15, 2026 June 15, 2017 6,000 170 Other Assets June 15, 2027 December 15, 2017 10,000 352 Other Assets December 15, 2027 December 15, 2017 5,000 158 Other Assets December 15, 2027 Total $ 38,500 $ 1,451
Schedule of Derivative Instruments Designated as Cash Flow Hedges	The table below presents the Company’s derivative financial instruments that are designated as cash flow hedgers of interest rate risk and their effect on the Company’s Consolidated Statements of Financial Conditions during the years ended December 31, 2018 and 2017: ໿ Year Ended December 31, 2018 Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion) Location of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) (Dollars in thousands) Derivatives in cash flow hedges Interest rate swaps by effective date: March 15, 2016 $ 110 Not applicable $ — December 15, 2016 60 Not applicable — June 15, 2017 80 Not applicable — December 15, 2017 141 Not applicable — December 15, 2017 72 Not applicable — September 15, 2018 (123 ) Not applicable — September 15, 2018 (186 ) Not applicable — September 15, 2018 (94 ) Not applicable — September 15, 2018 (142 ) Not applicable — Total $ (82 ) $ — Year Ended December 31, 2017 Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion) Location of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion) (Dollars in thousands) Derivatives in cash flow hedges Interest rate swaps by effective date: March 15, 2016 $ (11 ) Not applicable $ — December 15, 2016 (1 ) Not applicable — June 15, 2017 (19 ) Not applicable — December 15, 2017 (57 ) Not applicable — December 15, 2017 (29 ) Not applicable — Total $ (117 ) $ —
Offsetting Assets	The following table presents a gross presentation, the effects of offsetting, and a net presentation of the Company’s derivatives in the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017. The derivative financial instruments are subject to separate master netting agreements with two counterparties and as required under the master netting arrangements with its derivatives counterparties, the Company received financial collateral in the amount of $2.5 million and $1.2 million at December 31, 2018 and 2017. The net amounts of derivative liabilities and assets can be reconciled to the tabular disclosure of the fair value hierarchy, see Note 12, Fair Value of Financial Instruments. The tabular disclosure of fair value provides the location that derivative assets and liabilities are presented on the Company’s Consolidated Balance Sheets. Gross Amounts Not Offset Gross Amounts Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Posted Net Amount (Dollars in thousands) December 31, 2018 Assets: Interest Rate Swaps $ 2,114 — $ 1,672 — $ 2,460 $ (788 ) Total $ 2,114 — $ 1,672 — $ 2,460 $ (788 ) Liabilities: Interest Rate Swaps $ (779 ) — $ (337 ) — — $ (337 ) Total $ (779 ) — $ (337 ) — — $ (337 ) December 31, 2017 Assets: Interest Rate Swaps $ 1,451 — $ 1,451 — $ 1,200 $ 251 Total $ 1,451 — $ 1,451 — $ 1,200 $ 251 Liabilities: Interest Rate Swaps — — — — — — Total — — — — — —
Offsetting Liabilities	The following table presents a gross presentation, the effects of offsetting, and a net presentation of the Company’s derivatives in the Consolidated Balance Sheets as of December 31, 2018 and December 31, 2017. The derivative financial instruments are subject to separate master netting agreements with two counterparties and as required under the master netting arrangements with its derivatives counterparties, the Company received financial collateral in the amount of $2.5 million and $1.2 million at December 31, 2018 and 2017. The net amounts of derivative liabilities and assets can be reconciled to the tabular disclosure of the fair value hierarchy, see Note 12, Fair Value of Financial Instruments. The tabular disclosure of fair value provides the location that derivative assets and liabilities are presented on the Company’s Consolidated Balance Sheets. Gross Amounts Not Offset Gross Amounts Recognized Gross Amounts Offset Net Amounts Presented Financial Instruments Cash Collateral Posted Net Amount (Dollars in thousands) December 31, 2018 Assets: Interest Rate Swaps $ 2,114 — $ 1,672 — $ 2,460 $ (788 ) Total $ 2,114 — $ 1,672 — $ 2,460 $ (788 ) Liabilities: Interest Rate Swaps $ (779 ) — $ (337 ) — — $ (337 ) Total $ (779 ) — $ (337 ) — — $ (337 ) December 31, 2017 Assets: Interest Rate Swaps $ 1,451 — $ 1,451 — $ 1,200 $ 251 Total $ 1,451 — $ 1,451 — $ 1,200 $ 251 Liabilities: Interest Rate Swaps — — — — — — Total — — — — — —

LEASE COMMITMENTS AND TOTAL R_2

LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE (Tables)	12 Months Ended
	Dec. 31, 2018
Leases [Abstract]
Schedule Of Future Minimum Lease Payments	Future minimum payments under non-cancellable leases by year are as follows as of December 31, 2018 : (Dollars in thousands) 2019 $ 999 2020 524 2021 153 2022 45 2023 45 Thereafter 361 $ 2,127

COMPREHENSIVE INCOME AND ACCU_2

COMPREHENSIVE INCOME AND ACCUMULATED OTHER COMPREHENSIVE INCOME (Tables)	12 Months Ended
	Dec. 31, 2018
Comprehensive Income [Abstract]
Components Of Other Comprehensive Income And Related Tax Effects	The components of other comprehensive (loss) income, both before tax and net of tax, are as follows: Year Ended December 31, 2018 Year Ended December 31, 2017 Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax (Dollars in thousands) Other comprehensive (loss) income: Fair value adjustments on derivatives $ (116 ) $ (33 ) $ (83 ) $ (196 ) $ (78 ) $ (118 ) Fair value adjustments on retirement benefits 11 3 8 — — — Unrealized (loss) gains on available for sale securities (1,966 ) (512 ) (1,454 ) 1,682 672 1,010 Reclassification adjustment for net loss (gains) on securities transactions included in net income (36 ) (11 ) (25 ) 9 4 5 Total other comprehensive income $ (2,107 ) $ (553 ) $ (1,554 ) $ 1,495 $ 598 $ 897
Schedule Of Other Components Of Accumulated Other Comprehensive Income Included In Equity	The other components of accumulated other comprehensive (loss) income included in stockholders` equity at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Unrealized (loss) gain on available for sale investments $ (1,152 ) $ 270 Unrealized gain on derivative instruments 977 870 Unrealized gain on retirement benefits 8 — Reclassification due to the adoption of ASU 2018-02 — 247 Accumulated other comprehensive (loss) income $ (167 ) $ 1,387

EARNINGS PER SHARE (Tables)

EARNINGS PER SHARE (Tables)	12 Months Ended
	Dec. 31, 2018
Earnings Per Share [Abstract]
Calculation Methods Of Earnings Per Share	The following table sets forth the computations of basic and diluted earnings per share: (In thousands, except share and per share data) Income (Numerator) Shares (Denominator) Per Share Amount Year Ended December 31, 2018: Shares Outstanding (weighted average) 7,874,676 Shares held by Rabbi Trust 99,029 Share liability under deferred compensation agreement (99,029 ) Basic earnings per share: Net earnings applicable to common stockholders $ 9,923 7,874,676 $ 1.26 Effect of dilutive securities: Unvested stock awards — 46,593 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 9,923 7,921,269 $ 1.25 Year Ended December 31, 2017: Shares Outstanding (weighted average) 5,359,430 Shares held by Rabbi Trust 93,977 Share liability under deferred compensation agreement (93,977 ) Basic earnings per share: Net earnings applicable to common stockholders $ 5,691 5,359,430 $ 1.06 Effect of dilutive securities: Unvested stock awards — 44,951 Diluted earnings per share: Net income applicable to common stockholders and assumed conversions $ 5,691 5,404,381 $ 1.05

STOCK INCENTIVE PLANS (Tables)

STOCK INCENTIVE PLANS (Tables)	12 Months Ended
	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Summary Of Information Regarding Restricted Stock Activity	Information regarding the Company's restricted stock grants activity for the years ended December 31, 2018 and 2017 are as follows: 2018 2017 Number of Shares Weighted Average Grant Date Fair Value Number of Shares Weighted Average Grant Date Fair Value Unvested restricted stock, beginning of year 85,761 $ 18.34 80,743 $ 10.51 Granted (vesting period between 3-5 years) 50,045 28.85 53,554 22.02 Forfeited (4,148 ) 17.66 (4,057 ) 12.58 Vested (34,193 ) 16.39 (44,479 ) 9.09 Unvested restricted stock, end of period 97,465 $ 24.45 85,761 $ 18.34
Summary Of Information Regarding Stock Option Plans	Stock option transactions under all plans are summarized as follows: Number of Shares Weighted Average Exercise Price per Share Weighted Average Contractual Term Aggregate Intrinsic Value Outstanding, December 31, 2016 69,123 $ 11.10 Options granted — — Options expired — — Options exercised — — Outstanding, December 31, 2017 69,123 11.10 Options granted — — Options expired — — Options exercised — — Outstanding, December 31, 2018 69,123 $ 11.10 6.4 $ 645,686 Exercisable, December 31, 2018 42,629 $ 10.72 6.2 $ 414,504
Summary Of Stock Options Outstanding By Exercise Price	The following table summarizes information about stock options outstanding and exercisable at December 31, 2018 : Exercise Price Number Outstanding Weighted Average Remaining Life (Years) Number Exercisable 9.97 32,000 5.9 25,600 10.25 10,907 6.1 6,543 12.83 26,216 7.2 10,486 69,123 6.4 42,629

INCOME TAXES (Tables)

INCOME TAXES (Tables)	12 Months Ended
	Dec. 31, 2018
Income Tax Disclosure [Abstract]
Components Of Income Tax Expense	The components of income tax expense for the years ended December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Current: Federal $ 2,112 $ 2,859 State 1,393 983 3,505 3,842 Deferred: Federal (51 ) 741 State (395 ) (104 ) (446 ) 637 $ 3,059 $ 4,479
Schedule Of Effective Income Tax Rate Reconciliation	The reconciliation of the statutory federal income tax at a rate of 21% and 34%, respectively, to the income tax expense included in the statements of income and comprehensive income for the years ended December 31, 2018 and 2017 is as follows: (Dollars in thousands) 2018 2017 Federal income tax at statutory rate $ 2,726 21 % $ 3,458 34 % Tax exempt interest (371 ) (3 ) (438 ) (4 ) State income tax, net of federal income tax effect 788 6 580 6 Rate change impact — — 942 9 Bank owned life insurance (160 ) (1 ) (178 ) (2 ) M&A expenses 171 1 263 3 Other (95 ) — (148 ) (2 ) $ 3,059 24 % $ 4,479 44 %
Components Of Net Deferred Tax Asset	The components of the net deferred tax asset at December 31, 2018 and 2017 are as follows: (Dollars in thousands) 2018 2017 Deferred tax assets: Allowance for loan losses $ 2,069 $ 2,016 Deferred compensation 462 357 Deferred Fees — 3 Foreclosed real estate 99 186 Restricted stock 258 188 Unrealized loss on securities available for sale 401 — Other 759 468 Total deferred tax assets 4,048 3,218 Deferred tax liabilities: Depreciation (26 ) (448 ) Prepaid expenses (66 ) (32 ) Purchase accounting (51 ) — Unrealized gain on retirement benefit plan (3 ) — Unrealized gain on securities, available for sale — (122 ) Unrealized gain on interest rate swaps (358 ) (391 ) Total deferred tax liabilities (504 ) (993 ) Net deferred tax asset, included in other assets $ 3,544 $ 2,225

TRANSACTIONS WITH EXECUTIVE O_2

TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS (Tables)	12 Months Ended
	Dec. 31, 2018
Related Party Transactions [Abstract]
Schedule Of Related Party Loan Activity	The related party loan activity for the years ended December 31, 2018 and 2017 is summarized as follows: (Dollars in thousands) 2018 2017 Balance, beginning $ 21,564 $ 10,332 Disbursements 9,852 12,306 Repayments and other (2,493 ) (1,074 ) Balance, ending $ 28,923 $ 21,564

FINANCIAL INSTRUMENTS WITH OF_2

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Tables)	12 Months Ended
	Dec. 31, 2018
Financial Instruments With Off-Balance Sheet Risk [Abstract]
Summary Of Financial Instrument Commitments	A summary of the Company's financial instrument commitments at December 31, 2018 and 2017 is as follows: (Dollars in thousands) 2018 2017 Commitments to grant loans $ 87,722 $ 87,630 Unfunded commitments under lines of credit 184,523 93,555 Outstanding standby letters of credit 1,376 485

REVENUE RECOGNITION (Tables)

REVENUE RECOGNITION (Tables)	12 Months Ended
	Dec. 31, 2018
Revenue from Contract with Customer [Abstract]
Schedule of New Accounting Pronouncements and Changes in Accounting Principles	The following table presents the Company’s sources of other income for the years ended December 31, 2018 and 2017. Sources of revenue outside the scope of ASC 606 are noted as such. (Dollars In Thousands) Year Ended December 31, 2018 2017 Other income: Service fees on deposit accounts $ 1,290 $ 1,123 ATM and debit card fees 983 777 Bank-owned life insurance (1) 761 522 Insurance commissions and fees 6,640 5,326 Investment brokerage fees (1) 104 24 Net gain (loss) on sales of securities (1) 36 (9 ) Net gain on sale and disposal of premises and equipment (1) 9 7 Other 926 515 Total Other Income $ 10,749 $ 8,285 (1) Not within the scope of ASC 606.

STOCKHOLDERS' EQUITY, CAPITAL_2

STOCKHOLDERS' EQUITY, CAPITAL AND REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2018
Regulatory Capital Requirements [Abstract]
Schedule Of Actual Capital Amounts	The Bank’s actual capital amounts and ratios at December 31, 2018 and 2017 are presented below: Actual For Capital Adequacy Purposes plus Capital Conservation Buffer To be Well Capitalized under Prompt Corrective Action Provisions (Dollars in thousands) Amount Ratio Amount Ratio Amount Ratio As of December 31, 2018 Total capital (to risk-weighted assets): $ 188,647 12.94 % >143,984 >9.88% >145,733 >10.00% Tier I capital (to risk-weighted assets): 179,872 12.34 % >114,837 >7.88 >116,586 >8.00 Common equity tier I capital (to average assets): 179,872 12.34 % >92,977 >6.38 >94,726 >6.50 Tier I capital (to average assets): 179,872 12.06 % >59,673 >4.00 >74,591 >5.00 As of December 31, 2017 Total capital (to risk-weighted assets): $ 121,141 15.17 % >$73,847 >9.25% >$79,835 >10.00% Tier I capital (to risk-weighted assets): 113,806 14.26 % >57,880 >7.25 >63,868 >8.00 Common equity tier I capital (to average assets): 113,806 14.26 % >45,905 >5.75 >51,893 >6.50 Tier I capital (to average assets): 113,806 11.86 % >38,391 >4.00 >47,989 >5.00

PARENT COMPANY ONLY FINANCIAL (

PARENT COMPANY ONLY FINANCIAL (Tables)	12 Months Ended
	Dec. 31, 2018
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Balance Sheets	Condensed financial information pertaining only to the parent company, SB One Bancorp, is as follows: BALANCE SHEETS December 31, (Dollars in thousands) 2018 2017 Assets Cash $ 80 $ 347 Interest-bearing deposits with other banks 248 249 Investment in subsidiary 209,037 117,953 Accrued interest and other assets 3,995 3,555 Total Assets $ 213,360 $ 122,104 Liabilities and Stockholders' Equity Other liabilities $ 58 $ 63 Long-term borrowings — — Subordinated debentures 27,859 27,848 Stockholders' equity 185,443 94,193 Total Liabilities and Stockholders' Equity $ 213,360 $ 122,104
Statements Of Income And Comprehensive Income	STATEMENTS OF INCOME AND COMPREHENSIVE INCOME Year Ended December 31, (Dollars in thousands) 2018 2017 Dividend received from subsidiaries $ 2,803 $ — Interest expense on borrowings (15 ) (109 ) Interest expense on debentures (1,263 ) (1,278 ) Other expenses (280 ) (217 ) Income (loss) before income tax benefit and equity in undistributed net income of subsidiaries 1,245 (1,604 ) Income tax benefit 305 623 Income (loss) before equity in undistributed net income of subsidiaries 1,550 (981 ) Equity in undistributed net income of subsidiaries 8,373 6,672 Net Income 9,923 5,691 Comprehensive income $ 8,369 $ 6,588
Statements Of Cash Flows	STATEMENTS OF CASH FLOWS Year Ended December 31, (Dollars in thousands) 2018 2017 Cash Flows from Operating Activities: Net Income $ 9,923 $ 5,691 Adjustments to reconcile net income to net cash provided by operating activities: Amortization of subordinated debenture 11 8 Net change in other assets and liabilities 435 607 Equity in undistributed net income of subsidiaries (8,373 ) (6,672 ) Net Cash used in Operating Activities 1,996 (366 ) Cash Flows from Investing Activities: Capital contribution from to subsidiaries — (21,240 ) Net Cash Used in Investing Activities — (21,240 ) Cash Flows from Financing Activities: Cash dividends paid (2,263 ) (1,203 ) Net proceeds from issuance of common stock — 28,027 Repayment of long-term borrowings — (5,000 ) Net Cash (Used in) Provided by Financing Activities (2,263 ) 21,824 Net (Decrease) Increase in Cash and Cash Equivalents (267 ) 218 Cash and Cash Equivalents - Beginning of Year 347 129 Cash and Cash Equivalents - End of Year $ 80 $ 347

SUMMARY OF SIGNIFICANT ACCOUN_4

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Narrative) (Details) $ in Thousands	Dec. 21, 2018USD ($)	Jan. 04, 2018USD ($)	Dec. 31, 2018USD ($)branchentity	Dec. 31, 2017USD ($)	Jan. 01, 2019USD ($)
Significant Accounting Policies [Line Items]
FHLB, at cost			$ 11,400	$ 4,900
Foreclosed real estate			4,149	2,275
Carrying value of consumer loans			1,475,827	821,662
Cash surrender value of BOLI			35,800	22,100
Goodwill and intangible assets			$ 27,300	2,800
Number of insurance carriers | entity			20
Percentage of insurance revenue using direct billing			80.00%
Insurance commissions and fees			$ 6,640	5,326
Reduction in deferred tax liabilities				247
Reduction of income tax expense				247
Reclassification due to the adoption of ASU 2018-02				247
Forecast | Subsequent event | ASU 2016-02
Significant Accounting Policies [Line Items]
Right of use asset					$ 2,700
Lease liability					$ 2,700
Service fees on deposit accounts
Significant Accounting Policies [Line Items]
Total Other Income			1,300
ATM and debit card fees
Significant Accounting Policies [Line Items]
Total Other Income			$ 983
Revenue
Significant Accounting Policies [Line Items]
Concentration percent			80.00%
Community Bank of Bergen County Merger
Significant Accounting Policies [Line Items]
Goodwill and intangible assets		$ 22,298	$ 22,300
Community Bank of Bergen County Merger | Core deposits
Significant Accounting Policies [Line Items]
Intangible assets		$ 1,300	$ 1,300
Useful life of intangible assets		10 years	10 years
Enterprise Bank N.J.
Significant Accounting Policies [Line Items]
Goodwill and intangible assets	$ 2,204		$ 2,200
Enterprise Bank N.J. | Core deposits
Significant Accounting Policies [Line Items]
Intangible assets	$ 1,000		1,100
Useful life of intangible assets	10 years
Community Bank of Bergen County, Merger And Enterprise Bank N.J. | Core deposits
Significant Accounting Policies [Line Items]
Intangible assets			2,100
Insurance agency acquired in 2001
Significant Accounting Policies [Line Items]
Goodwill and intangible assets				2,300
Bank branch acquired in 2006
Significant Accounting Policies [Line Items]
Goodwill and intangible assets				486
Consumer and other
Significant Accounting Policies [Line Items]
Carrying value of consumer loans			682	180
Residential real estate
Significant Accounting Policies [Line Items]
Foreclosed real estate			$ 1,300	$ 179
Sussex County, New Jersey
Significant Accounting Policies [Line Items]
Banking offices | branch			8
Essex County, New Jersey
Significant Accounting Policies [Line Items]
Banking offices | branch			2
Warren County, New Jersey
Significant Accounting Policies [Line Items]
Banking offices | branch			1
Bergen County, New Jersey
Significant Accounting Policies [Line Items]
Banking offices | branch			1
Middlesex County, New Jersey
Significant Accounting Policies [Line Items]
Banking offices | branch			1
Union County, New Jersey
Significant Accounting Policies [Line Items]
Banking offices | branch			1
Queens County, New York
Significant Accounting Policies [Line Items]
Banking offices | branch			1

SUMMARY OF SIGNIFICANT ACCOUN_5

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Premises And Equipment Useful Life) (Details)	12 Months Ended
	Dec. 31, 2018
Minimum | Buildings and building improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	20 years
Minimum | Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years
Minimum | Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years
Minimum | Computer equipment and software
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	3 years
Maximum | Buildings and building improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	40 years
Maximum | Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	10 years
Maximum | Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	10 years
Maximum | Computer equipment and software
Property, Plant and Equipment [Line Items]
Premises and equipment, estimated useful lives	5 years

ACQUISITIONS (Additional Inform

ACQUISITIONS (Additional Information) (Details) $ in Thousands	Dec. 21, 2018USD ($)branchshares	Jan. 04, 2018USD ($)branchshares	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Business Acquisition [Line Items]
Time deposit discount	$ 1,000	$ 965
Bank-owned life insurance			$ 35,778	$ 22,054
Community Bank of Bergen County Merger
Business Acquisition [Line Items]
Branches | branch		3
Entity shares issued per acquiree share (in shares) | shares		0.97
Number of shares issued (in shares) | shares		1,873,028
Value of common stock issued		$ 51,900
Cash paid for fractional shares		2
Stock options total payment		140
Merger expenses			$ 4,000	$ 1,200
Fair value adjustment		261
Gross amortized cost basis of acquired loans		$ 242,471
Amortization period		3 years 6 months
Interest rate fair value adjustment on general pooled loans		$ 324
Credit fair value adjustment on general pooled loans		$ 4,100
Expected term of acquired loans		4 years
Premium		$ 3,500
Amortization period		40 years
Life of deposits		22 months 15 days
Bank-owned life insurance		$ 7,963
Acquired borrowings carrying value		$ 12,000
Community Bank of Bergen County Merger | Weighted Average
Business Acquisition [Line Items]
Life of deposits		16 months 15 days
Community Bank of Bergen County Merger | Core deposits
Business Acquisition [Line Items]
Useful life		10 years	10 years
Intangibles		$ 1,300	$ 1,300
Enterprise Bank N.J.
Business Acquisition [Line Items]
Branches | branch	4
Entity shares issued per acquiree share (in shares) | shares	0.4538
Number of shares issued (in shares) | shares	1,573,454
Value of common stock issued	$ 32,400
Cash paid for fractional shares	1
Stock options total payment	1,600
Merger expenses			1,800
Fair value adjustment	100
Gross amortized cost basis of acquired loans	262,126
Interest rate fair value adjustment on general pooled loans	(1,100)
Credit fair value adjustment on general pooled loans	$ 3,900
Amortization period	3 years
Life of deposits	11 months 12 days
Acquired borrowings carrying value	$ 47,300
Acquired at a discount	$ 282
Weighted average interest rate	2.23%
Fair value adjustment	$ 149
Enterprise Bank N.J. | Weighted Average
Business Acquisition [Line Items]
Life of deposits	11 months 12 days
Enterprise Bank N.J. | Core deposits
Business Acquisition [Line Items]
Useful life	10 years
Intangibles	$ 1,000		$ 1,100

ACQUISITIONS (Summary of Estima

ACQUISITIONS (Summary of Estimated Fair Value of Acquired Assets and Liabilities Assumed - Community) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Jan. 04, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Goodwill and intangible assets	$ 27,300		$ 2,800
Bank-owned life insurance	35,778		$ 22,054
Community Bank of Bergen County Merger
Business Acquisition [Line Items]
Cash and cash equivalents		$ 6,693
Interest bearing time deposits with other banks		100
Securities available for sale		75,909
Other bank stock		1,155
Loans		236,010
Foreclosed real estate		1,312
Premises and equipment, net		10,612
Accrued interest receivable		824
Goodwill and intangible assets	$ 22,300	22,298
Intangibles assets		1,331
Bank-owned life insurance		7,963
Other assets		1,677
Total Assets		365,884
Deposits		(301,157)
Borrowings		(12,000)
Other liabilities		(844)
Total Liabilities		(314,001)
Net consideration paid - common shares issued		$ 51,883

ACQUISITIONS (Summary of Fair V

ACQUISITIONS (Summary of Fair Value Adjustments to Amortized Cost Basis of Loans Acquired - Community) (Details) - Community Bank of Bergen County Merger $ in Thousands	Jan. 04, 2018USD ($)
Business Acquisition [Line Items]
Gross amortized cost basis	$ 242,471
Fair value adjustment on general pooled loans	(3,737)
Credit fair value adjustment on purchased credit impaired loans	(2,664)
Fair value of acquired loans	$ 236,070

ACQUISITIONS (Summary of Loans

ACQUISITIONS (Summary of Loans Acquired in Accordance with ASC 310-30) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Jan. 04, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Interest component of expected cash flows (accretable difference)	$ (539)		$ 0
Community Bank of Bergen County Merger
Business Acquisition [Line Items]
Fair value of acquired loans		$ 236,070
Community Bank of Bergen County Merger | Loans acquired with credit deterioration
Business Acquisition [Line Items]
Contractually required principal and interest at acquisition		6,289
Contractual cash flows not expected to be collected (non-accretable difference)		1,819
Expected cash flows at acquisition		4,470
Interest component of expected cash flows (accretable difference)		846
Fair value of acquired loans		$ 3,624

ACQUISITIONS (Pro Forma - Commu

ACQUISITIONS (Pro Forma - Community) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Net Income	$ 12,982	$ 10,170
Earnings per share, basic (in dollars per share)	$ 1.26	$ 1.06
Community Bank of Bergen County Merger | Pro Forma
Business Acquisition [Line Items]
Total revenues (net interest income plus non-interest income)	$ 54,941	$ 47,280
Net Income	$ 9,935	$ 6,257
Earnings per share, basic (in dollars per share)	$ 1.25	$ 0.79

ACQUISITIONS (Summary of Esti_2

ACQUISITIONS (Summary of Estimated Fair Value of Acquired Assets and Liabilities Assumed - Enterprise) (Details) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 21, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Goodwill and intangible assets	$ 27,300		$ 2,800
Enterprise Bank N.J.
Business Acquisition [Line Items]
Cash and cash equivalents		$ 9,153
Securities available for sale		2,193
Other bank stock		2,380
Loans		257,170
Foreclosed real estate		1,250
Premises and equipment, net		422
Accrued interest receivable		880
Goodwill and intangible assets	$ 2,200	2,204
Intangibles assets		1,039
Other assets		3,064
Total Assets		279,755
Deposits		(197,321)
Borrowings		(47,106)
Other liabilities		(2,882)
Total Liabilities		(247,309)
Net consideration paid - common shares issued		$ 32,446

ACQUISITIONS (Summary of Fair_2

ACQUISITIONS (Summary of Fair Value Adjustments to Amortized Cost Basis of Loans Acquired - Enterprise) (Details) (Details) - Enterprise Bank N.J. $ in Thousands	Dec. 21, 2018USD ($)
Business Acquisition [Line Items]
Gross amortized cost basis	$ 262,126
Fair value adjustment on general pooled loans	(4,956)
Fair value of acquired loans	$ 257,170

ACQUISITIONS (Pro Forma - Enter

ACQUISITIONS (Pro Forma - Enterprise) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Business Acquisition [Line Items]
Net Income	$ 12,982	$ 10,170
Earnings per share, basic (in dollars per share)	$ 1.26	$ 1.06
Pro Forma | Enterprise Bank N.J.
Business Acquisition [Line Items]
Total revenues (net interest income plus non-interest income)	$ 64,827	$ 46,175
Net Income	$ 12,496	$ 7,283
Earnings per share, basic (in dollars per share)	$ 1.80	$ 0.84

SEGMENT REPORTING (Details)

SEGMENT REPORTING (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Segment Reporting Information [Line Items]
Net interest income from external sources	$ 44,080	$ 29,088
Other income from external sources	10,749	8,285
Depreciation and amortization	1,836	1,061
Income before income taxes	12,982	10,170
Income tax expense	3,059	4,479
Total assets	1,795,703	979,383
Banking and Financial Services
Segment Reporting Information [Line Items]
Net interest income from external sources	44,080	29,088
Other income from external sources	3,975	2,864
Depreciation and amortization	1,809	1,037
Income before income taxes	10,987	8,757
Income tax expense	2,261	3,914
Total assets	1,790,851	975,123
Insurance Services
Segment Reporting Information [Line Items]
Other income from external sources	6,774	5,421
Depreciation and amortization	27	24
Income before income taxes	1,995	1,413
Income tax expense	798	565
Total assets	$ 4,852	$ 4,260

FAIR VALUE OF ASSETS AND LIAB_3

FAIR VALUE OF ASSETS AND LIABILITIES (Summary Of Financial Assets Measured On A Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative instruments	$ 1,336	$ 1,451
Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative instruments	0	0
Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative instruments	1,336	1,451
Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative instruments	0	0
U.S. government agencies
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	24,794	18,861
U.S. government agencies | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
U.S. government agencies | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	24,794	18,861
U.S. government agencies | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
U.S. government sponsored agency
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	20,362	6,061
U.S. government sponsored agency | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
U.S. government sponsored agency | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	20,362	6,061
U.S. government sponsored agency | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
State and political subdivisions
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	60,362	41,234
State and political subdivisions | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
State and political subdivisions | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	60,362	41,234
State and political subdivisions | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
U.S. government-sponsored enterprises
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	73,613	30,544
U.S. government-sponsored enterprises | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
U.S. government-sponsored enterprises | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	73,613	30,544
U.S. government-sponsored enterprises | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
Corporate debt
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	3,008	2,030
Corporate debt | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	0	0
Corporate debt | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	3,008	2,030
Corporate debt | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Securities	$ 0	$ 0

FAIR VALUE OF ASSETS AND LIAB_4

FAIR VALUE OF ASSETS AND LIABILITIES (Summary Of Financial Assets Measured On A Nonrecurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Impaired loans
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	$ 1,785	$ 1,794
Impaired loans | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	0	0
Impaired loans | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	0	0
Impaired loans | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	1,785	1,794
Foreclosed real estate
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	730	568
Foreclosed real estate | Quoted Prices in Active Markets for Identical Assets (Level I)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	0	0
Foreclosed real estate | Significant Other Observable Inputs (Level II)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	0	0
Foreclosed real estate | Significant Unobservable Inputs (Level III)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Financial Assets	$ 730	$ 568

FAIR VALUE OF ASSETS AND LIAB_5

FAIR VALUE OF ASSETS AND LIABILITIES (Qualitative Information About Level 3 Fair Value Measurement) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Impaired loans
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 1,785	$ 1,794
Impaired loans | Significant Unobservable Inputs (Level III)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 1,785	$ 1,794
Impaired loans | Minimum | Significant Unobservable Inputs (Level III)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	0.00%	0.00%
Impaired loans | Maximum | Significant Unobservable Inputs (Level III)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	(100.00%)	(8.20%)
Impaired loans | Weighted Average | Significant Unobservable Inputs (Level III)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	(7.80%)	(0.20%)
Foreclosed real estate
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 730	$ 568
Foreclosed real estate | Significant Unobservable Inputs (Level III)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Fair Value Estimate	$ 730	$ 568
Range (Weighted Average)	(7.00%)	(7.00%)
Foreclosed real estate | Weighted Average | Significant Unobservable Inputs (Level III)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Range (Weighted Average)	(7.00%)	(7.00%)

FAIR VALUE OF ASSETS AND LIAB_6

FAIR VALUE OF ASSETS AND LIABILITIES (Estimated Fair Values Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financial assets:
Securities available for sale, at fair value	$ 182,139	$ 98,730
Securities held to maturity	4,152	5,430
Gross Amounts Recognized	2,114	1,451
Carrying Amount
Financial assets:
Cash and cash equivalents	26,678	11,646
Time deposits with other banks	200	100
Securities available for sale, at fair value	182,139	98,730
Securities held to maturity	4,078	5,304
Other Bank Stock	11,764	4,925
Loans receivable, net of allowance	1,466,000	813,365
Accrued interest receivable	6,546	2,472
Gross Amounts Recognized	1,336	1,451
Financial liabilities:
Non-maturity deposits	965,065	563,694
Time deposits	388,874	198,797
Short-term borrowings	175,295	55,350
Long-term borrowings	44,611	35,000
Subordinated debentures	27,859	27,848
Accrued interest payable	1,480	470
Fair Value
Financial assets:
Cash and cash equivalents	26,678	11,646
Time deposits with other banks	200	100
Securities available for sale, at fair value	182,139	98,730
Securities held to maturity	4,152	5,430
Other Bank Stock	11,764	4,925
Loans receivable, net of allowance	1,428,094	788,119
Accrued interest receivable	6,546	2,472
Gross Amounts Recognized	1,336	1,451
Financial liabilities:
Non-maturity deposits	965,065	563,694
Time deposits	383,264	197,549
Short-term borrowings	175,366	55,335
Long-term borrowings	44,365	34,761
Subordinated debentures	26,840	25,259
Accrued interest payable	1,480	470
Quoted Prices in Active Markets for Identical Assets (Level I)
Financial assets:
Cash and cash equivalents	26,678	11,646
Time deposits with other banks	0	0
Securities available for sale, at fair value	0	0
Securities held to maturity	0	0
Other Bank Stock	0	0
Loans receivable, net of allowance	0	0
Accrued interest receivable	0	0
Gross Amounts Recognized	0	0
Financial liabilities:
Non-maturity deposits	0	0
Time deposits	0	0
Short-term borrowings	175,366	55,335
Long-term borrowings	0	0
Subordinated debentures	0	0
Accrued interest payable	0	0
Significant Other Observable Inputs (Level II)
Financial assets:
Cash and cash equivalents	0	0
Time deposits with other banks	200	100
Securities available for sale, at fair value	182,139	98,730
Securities held to maturity	4,152	5,430
Other Bank Stock	11,764	4,925
Loans receivable, net of allowance	0	0
Accrued interest receivable	6,546	2,472
Gross Amounts Recognized	1,336	1,451
Financial liabilities:
Non-maturity deposits	965,065	563,694
Time deposits	383,264	197,549
Short-term borrowings	0	0
Long-term borrowings	44,365	34,761
Subordinated debentures	26,840	25,259
Accrued interest payable	1,480	470
Significant Unobservable Inputs (Level III)
Financial assets:
Cash and cash equivalents	0	0
Time deposits with other banks	0	0
Securities available for sale, at fair value	0	0
Securities held to maturity	0	0
Other Bank Stock	0	0
Loans receivable, net of allowance	1,428,094	788,119
Accrued interest receivable	0	0
Gross Amounts Recognized	0	0
Financial liabilities:
Non-maturity deposits	0	0
Time deposits	0	0
Short-term borrowings	0	0
Long-term borrowings	0	0
Subordinated debentures	0	0
Accrued interest payable	$ 0	$ 0

SECURITIES (Amortized Cost And

SECURITIES (Amortized Cost And Approximate Fair Value Of Securities Available For Sale) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 183,692	$ 98,281
Gross Unrealized Gains	595	1,089
Gross Unrealized Losses	(2,148)	(640)
Fair Value	182,139	98,730
U.S. government agencies
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	25,161	18,799
Gross Unrealized Gains	4	90
Gross Unrealized Losses	(371)	(28)
Fair Value	24,794	18,861
U.S. government sponsored agency
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	20,404	6,054
Gross Unrealized Gains	38	8
Gross Unrealized Losses	(80)	(1)
Fair Value	20,362	6,061
State and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	60,457	40,470
Gross Unrealized Gains	445	896
Gross Unrealized Losses	(540)	(132)
Fair Value	60,362	41,234
U.S. government-sponsored enterprises
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	74,670	30,958
Gross Unrealized Gains	100	65
Gross Unrealized Losses	(1,157)	(479)
Fair Value	73,613	30,544
Corporate debt
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	3,000	2,000
Gross Unrealized Gains	8	30
Gross Unrealized Losses	0	0
Fair Value	$ 3,008	$ 2,030

SECURITIES (Narrative) (Details

SECURITIES (Narrative) (Details)	12 Months Ended
	Dec. 31, 2018USD ($)security	Dec. 31, 2017USD ($)security
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Available for sale securities carrying value pledged to secure public deposits	$ 2,500,000	$ 17,300,000
Gains on sales of securities available for sale	46,000	339,000
Gross losses on sales of securities available for sale	10,000	348,000
Fair value of available-for-sale securities	127,208,000	39,000,000
Unrealized loss of available-for-sale securities	$ 2,148,000	$ 640,000
Number of securities with unrealized losses, held-to-maturity | security	0
U.S. government agencies
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	18	3
Fair value of available-for-sale securities	$ 21,591,000	$ 5,280,000
Unrealized loss of available-for-sale securities	371,000	$ 28,000
Available-for-sale securities deemed other than temporarily impaired	$ 0
U.S. government sponsored agency
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	6	2
Fair value of available-for-sale securities	$ 10,348,000	$ 3,469,000
Unrealized loss of available-for-sale securities	80,000	$ 1,000
Available-for-sale securities deemed other than temporarily impaired	$ 0
State and political subdivisions
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	34	9
Fair value of available-for-sale securities	$ 35,949,000	$ 8,913,000
Unrealized loss of available-for-sale securities	540,000	$ 132,000
Available-for-sale securities deemed other than temporarily impaired	$ 0
Available-for-sale, maturity period	10 years
Number of securities with unrealized losses, held-to-maturity | security	0	1
Fair value of held-to maturity securities		$ 254,000
Held-to-maturity, unrealized loss		$ 1,000
U.S. government-sponsored enterprises
Schedule Of Available-For-Sale And Held-To-Maturity [Line Items]
Number of securities with unrealized losses, available-for-sale | security	38	16
Fair value of available-for-sale securities	$ 59,320,000	$ 21,338,000
Unrealized loss of available-for-sale securities	1,157,000	$ 479,000
Available-for-sale securities deemed other than temporarily impaired	$ 0

SECURITIES (Amortized Cost An_2

SECURITIES (Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Available-For-Sale Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Due in one year or less, Amortized Cost	$ 0
Due after one year through five years, Amortized Cost	0
Due after five years through ten years, Amortized Cost	6,802
Due after ten years, Amortized Cost	56,655
Total bonds and obligations, Amortized Cost	63,457
Securities available for sale, Amortized Cost	183,692	$ 98,281
Due in one year or less, Fair Value	0
Due after one year through five years, Fair Value	0
Due after five years through ten years, Fair Value	6,801
Due after ten years, Fair Value	56,569
Total bonds and obligations, Fair Value	63,370
Securities available for sale, at fair value	182,139	98,730
U.S. government agencies
Schedule of Available-for-sale Securities [Line Items]
Securities available for sale, Amortized Cost	25,161	18,799
Securities available for sale, at fair value	24,794	18,861
U.S. government sponsored agency
Schedule of Available-for-sale Securities [Line Items]
Securities available for sale, Amortized Cost	20,404	6,054
Securities available for sale, at fair value	20,362	6,061
U.S. government-sponsored enterprises
Schedule of Available-for-sale Securities [Line Items]
Securities available for sale, Amortized Cost	74,670	30,958
Securities available for sale, at fair value	$ 73,613	$ 30,544

SECURITIES (Temporarily Impaire

SECURITIES (Temporarily Impaired Gross Unrealized Losses And Fair Value Of Available-For-Sale Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	$ 77,057	$ 22,364
Less Than Twelve Months, Gross Unrealized Losses	(871)	(283)
Twelve Months or More, Fair Value	50,151	16,636
Twelve Months or More, Gross Unrealized Losses	(1,277)	(357)
Total, Fair Value	127,208	39,000
Total, Gross Unrealized Losses	(2,148)	(640)
U.S. government agencies
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	18,998	5,280
Less Than Twelve Months, Gross Unrealized Losses	(316)	(28)
Twelve Months or More, Fair Value	2,593	0
Twelve Months or More, Gross Unrealized Losses	(55)	0
Total, Fair Value	21,591	5,280
Total, Gross Unrealized Losses	(371)	(28)
U.S. government sponsored agency
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	10,348	3,469
Less Than Twelve Months, Gross Unrealized Losses	(80)	(1)
Twelve Months or More, Fair Value	0	0
Twelve Months or More, Gross Unrealized Losses	0	0
Total, Fair Value	10,348	3,469
Total, Gross Unrealized Losses	(80)	(1)
State and political subdivisions
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	17,164	5,212
Less Than Twelve Months, Gross Unrealized Losses	(204)	(42)
Twelve Months or More, Fair Value	18,785	3,701
Twelve Months or More, Gross Unrealized Losses	(336)	(90)
Total, Fair Value	35,949	8,913
Total, Gross Unrealized Losses	(540)	(132)
U.S. government-sponsored enterprises
Schedule of Available-for-sale Securities [Line Items]
Less Than Twelve Months, Fair Value	30,547	8,403
Less Than Twelve Months, Gross Unrealized Losses	(271)	(212)
Twelve Months or More, Fair Value	28,773	12,935
Twelve Months or More, Gross Unrealized Losses	(886)	(267)
Total, Fair Value	59,320	21,338
Total, Gross Unrealized Losses	$ (1,157)	$ (479)

SECURITIES (Amortized Cost An_3

SECURITIES (Amortized Cost And Approximate Fair Value Of Securities Held-To-Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Schedule of Held-to-maturity Securities [Line Items]
Total held to maturity securities, Amortized Cost	$ 4,078
Fair Value	4,152	$ 5,430
State and political subdivisions
Schedule of Held-to-maturity Securities [Line Items]
Total held to maturity securities, Amortized Cost	4,078	5,304
Gross Unrealized Gains	74	127
Gross Unrealized Losses	0	(1)
Fair Value	$ 4,152	$ 5,430

SECURITIES (Amortized Cost An_4

SECURITIES (Amortized Cost And Fair Value Of Securities By Contractual Maturity Of Held-To-Maturity Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Investments [Abstract]
Due in one year or less, Amortized Cost	$ 1,279
Due after one year through five years, Amortized Cost	251
Due after five years through ten years, Amortized Cost	2,548
Due after ten years, Amortized Cost	0
Total held to maturity securities, Amortized Cost	4,078
Due in one year or less, Fair Value	1,279
Due after one year through five years, Fair Value	252
Due after five years through ten years, Fair Value	2,621
Due after ten years, Fair Value	0
Total held to maturity securities, Fair Value	$ 4,152	$ 5,430

SECURITIES (Temporarily Impai_2

SECURITIES (Temporarily Impaired Gross Unrealized Losses And Fair Value Of Held-To-Maturity Securities) (Details) - State and political subdivisions $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)
Schedule of Held-to-maturity Securities [Line Items]
Less Than 12 Months, Fair Value	$ 254
Less Than 12 Months, Gross Unrealized Losses	(1)
12 Months or More, Fair Value	0
12 Months or More, Gross Unrealized Losses	0
Total, Fair Value	254
Total, Gross Unrealized Losses	$ (1)

LOANS (Composition Of Net Loans

LOANS (Composition Of Net Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 1,475,827	$ 821,662
Unearned net loan origination fees	(1,052)	(962)
Allowance for loan losses	(8,775)	(7,335)
Net loans receivable	1,466,000	813,365
Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	81,709	54,759
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	142,321	42,484
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	878,449	551,445
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	370,955	171,844
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans receivable	$ 2,393	$ 1,130

LOANS (Narrative) (Details)

LOANS (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Mortgage loans serviced for the benefit of others	$ 229	$ 239
Loans acquired with credit deterioration
Accounts, Notes, Loans and Financing Receivable [Line Items]
Carrying value of loans acquired	3,000
Increase in value	$ 600

LOANS (Changes in Accretable Yi

LOANS (Changes in Accretable Yield) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Accretable yield, beginning balance	$ 0
Acquisition of impaired loans	846
Accretable yield amortized to interest income	(307)
Reclassification from non-accretable difference	0
Accretable yield, ending balance	$ 539

ALLOWANCE FOR LOAN LOSSES AND_3

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Changes In The Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	$ 7,335	$ 6,696
Charge-offs	(128)	(973)
Recoveries	131	26
Provision	1,437	1,586
Ending balance	8,775	7,335
Commercial and Industrial
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	208	110
Charge-offs	(11)	(13)
Recoveries	3	2
Provision	403	109
Ending balance	603	208
Construction
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	336	359
Charge-offs	0	0
Recoveries	0	0
Provision	327	(23)
Ending balance	663	336
Commercial Real Estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	5,185	3,932
Charge-offs	(26)	(874)
Recoveries	17	7
Provision	399	2,120
Ending balance	5,575	5,185
Residential Real Estate
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	1,032	899
Charge-offs	(22)	(49)
Recoveries	91	10
Provision	270	172
Ending balance	1,371	1,032
Consumer and Other
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	26	19
Charge-offs	(69)	(37)
Recoveries	20	7
Provision	46	37
Ending balance	23	26
Unallocated
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Beginning balance	548	1,377
Charge-offs	0	0
Recoveries	0	0
Provision	(8)	(829)
Ending balance	$ 540	$ 548

ALLOWANCE FOR LOAN LOSSES AND_4

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Allowances Of Loan Losses And Loans Receivable By Class Disaggregated) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	$ 8,775	$ 7,335	$ 6,696
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	515	38
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	7,720	6,749
Total Financing Receivables	1,475,827	821,662
Loans Receivable, Individually Evaluated for Impairment	20,704	6,847
Loans Receivable, Collectively Evaluated for Impairment	1,455,123	814,815
Commercial and Industrial
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	603	208	110
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	152	0
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	451	208
Total Financing Receivables	81,709	54,759
Loans Receivable, Individually Evaluated for Impairment	372	20
Loans Receivable, Collectively Evaluated for Impairment	81,337	54,739
Construction
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	663	336	359
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	663	336
Total Financing Receivables	142,321	42,484
Loans Receivable, Individually Evaluated for Impairment	0	0
Loans Receivable, Collectively Evaluated for Impairment	142,321	42,484
Commercial Real Estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	5,575	5,185	3,932
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	274	28
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	5,301	5,157
Total Financing Receivables	878,449	551,445
Loans Receivable, Individually Evaluated for Impairment	15,760	4,763
Loans Receivable, Collectively Evaluated for Impairment	862,689	546,682
Residential Real Estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	1,371	1,032	899
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	89	10
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	1,282	1,022
Total Financing Receivables	370,955	171,844
Loans Receivable, Individually Evaluated for Impairment	4,572	2,064
Loans Receivable, Collectively Evaluated for Impairment	366,383	169,780
Consumer and Other
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	23	26	19
Allowance for Loan Losses, Balance Related to Loans Individually Evaluated for Impairment	0	0
Allowance for Loan Losses, Balance Related to Loans Collectively Evaluated for Impairment	23	26
Total Financing Receivables	2,393	1,130
Loans Receivable, Individually Evaluated for Impairment	0	0
Loans Receivable, Collectively Evaluated for Impairment	2,393	1,130
Unallocated
Financing Receivable, Allowance for Credit Losses [Line Items]
Allowance for Loan Losses, Balance	540	548	$ 1,377
Total Financing Receivables	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES AND_5

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (An Age Analysis Of Loans Receivable) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 24,492	$ 12,516
Current	1,451,335	809,146
Total Financing Receivables	1,475,827	821,662
Recorded Investment 90 Days and Accruing	0	0
Commercial and Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	863	20
Current	80,846	54,739
Total Financing Receivables	81,709	54,759
Recorded Investment 90 Days and Accruing	0	0
Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	582	105
Current	141,739	42,379
Total Financing Receivables	142,321	42,484
Recorded Investment 90 Days and Accruing	0	0
Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	18,042	9,374
Current	860,407	542,071
Total Financing Receivables	878,449	551,445
Recorded Investment 90 Days and Accruing	0	0
Residential Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	5,000	3,008
Current	365,955	168,836
Total Financing Receivables	370,955	171,844
Recorded Investment 90 Days and Accruing	0	0
Consumer and Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	5	9
Current	2,388	1,121
Total Financing Receivables	2,393	1,130
Recorded Investment 90 Days and Accruing	0	0
30-59 Days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	3,170	6,247
30-59 Days Past Due | Commercial and Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	491	0
30-59 Days Past Due | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
30-59 Days Past Due | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	2,282	4,935
30-59 Days Past Due | Residential Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	393	1,304
30-59 Days Past Due | Consumer and Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4	8
60-89 days Past Due
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	618	249
60-89 days Past Due | Commercial and Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	0
60-89 days Past Due | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	582	0
60-89 days Past Due | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	126
60-89 days Past Due | Residential Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	35	122
60-89 days Past Due | Consumer and Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	1	1
Greater Than 90 Days
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	20,704	6,020
Greater Than 90 Days | Commercial and Industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	372	20
Greater Than 90 Days | Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	0	105
Greater Than 90 Days | Commercial Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	15,760	4,313
Greater Than 90 Days | Residential Real Estate
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	4,572	1,582
Greater Than 90 Days | Consumer and Other
Financing Receivable, Recorded Investment, Past Due [Line Items]
Total Past Due	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES AND_6

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Loans Which The Accrual Of Interest Has Been Discontinued) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans for which accrual of interest has been discontinued	$ 20,704	$ 6,020
Commercial and industrial loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans for which accrual of interest has been discontinued	372	20
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans for which accrual of interest has been discontinued	0	105
Commercial real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans for which accrual of interest has been discontinued	15,760	4,313
Residential real estate
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans for which accrual of interest has been discontinued	4,572	1,582
Consumer and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Total loans for which accrual of interest has been discontinued	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES AND_7

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Credit Risk Profile By Creditworthiness) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	$ 1,475,827	$ 821,662
Commercial and industrial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	81,709	54,759
Construction
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	142,321	42,484
Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	878,449	551,445
Residential real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	370,955	171,844
Consumer and other
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	2,393	1,130
Total
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,102,479	648,688
Pass | Commercial and industrial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	80,977	54,405
Pass | Construction
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	141,871	42,379
Pass | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	855,180	537,636
Pass | Total
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	1,078,028	634,420
Special Mention | Commercial and industrial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	32	189
Special Mention | Construction
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	0	105
Special Mention | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	3,908	3,508
Special Mention | Total
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	3,940	3,802
Substandard | Commercial and industrial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	700	165
Substandard | Construction
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	450	0
Substandard | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	19,361	10,301
Substandard | Total
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	20,511	10,466
Doubtful | Commercial and industrial loans
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	0	0
Doubtful | Construction
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	0	0
Doubtful | Commercial real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	0	0
Doubtful | Total
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	0	0
Performing | Residential real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	366,408	168,837
Performing | Consumer and other
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	2,393	1,130
Non-performing | Residential real estate
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	4,547	3,007
Non-performing | Consumer and other
Financing Receivable, Recorded Investment [Line Items]
Total loans receivable	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES AND_8

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Financing Receivable, Impaired [Line Items]
Recorded Investment, Total	$ 20,704	$ 6,847
Unpaid Principal Balance, Total	21,883	7,670
Related Allowance	515	38
Average Recorded Investment, Total	15,081	6,719
Interest Income Recognized, Total	154	60
Commercial and industrial loans
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	0	20
Recorded Investment, With an allowance recorded	372	0
Recorded Investment, Total	372	20
Unpaid Principal Balance, With no related allowance recorded	10	20
Unpaid Principal Balance, With an allowance recorded	572	0
Unpaid Principal Balance, Total	582	20
Related Allowance	152	0
Average Recorded Investment, With no related allowance recorded	4	20
Average Recorded Investment, With an allowance recorded	195	3
Average Recorded Investment, Total	199	23
Interest Income Recognized, With no related allowance recorded	0	0
Interest Income Recognized, With an allowance recorded	0	0
Interest Income Recognized, Total	0	0
Construction
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	0
Recorded Investment, Total	0
Unpaid Principal Balance, With no related allowance recorded	0
Unpaid Principal Balance, Total	0
Related Allowance	0
Average Recorded Investment, With no related allowance recorded	21
Average Recorded Investment, Total	21
Interest Income Recognized, With no related allowance recorded	0
Interest Income Recognized, Total	0
Commercial real estate
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	13,745	3,834
Recorded Investment, With an allowance recorded	2,015	929
Recorded Investment, Total	15,760	4,763
Unpaid Principal Balance, With no related allowance recorded	13,745	4,158
Unpaid Principal Balance, With an allowance recorded	2,437	1,392
Unpaid Principal Balance, Total	16,182	5,550
Related Allowance	274	28
Average Recorded Investment, With no related allowance recorded	9,774	3,217
Average Recorded Investment, With an allowance recorded	1,291	1,557
Average Recorded Investment, Total	11,065	4,774
Interest Income Recognized, With no related allowance recorded	102	31
Interest Income Recognized, With an allowance recorded	4	8
Interest Income Recognized, Total	106	39
Residential real estate
Financing Receivable, Impaired [Line Items]
Recorded Investment, With no related allowance recorded	2,790	1,844
Recorded Investment, With an allowance recorded	1,782	220
Recorded Investment, Total	4,572	2,064
Unpaid Principal Balance, With no related allowance recorded	2,790	1,877
Unpaid Principal Balance, With an allowance recorded	2,329	223
Unpaid Principal Balance, Total	5,119	2,100
Related Allowance	89	10
Average Recorded Investment, With no related allowance recorded	3,082	1,731
Average Recorded Investment, With an allowance recorded	714	191
Average Recorded Investment, Total	3,796	1,922
Interest Income Recognized, With no related allowance recorded	48	20
Interest Income Recognized, With an allowance recorded	0	1
Interest Income Recognized, Total	48	21
Consumer and other
Financing Receivable, Impaired [Line Items]
Recorded Investment, With an allowance recorded	0	0
Recorded Investment, Total	0	0
Unpaid Principal Balance, With an allowance recorded	0	0
Unpaid Principal Balance, Total	0	0
Related Allowance	0	0
Average Recorded Investment, With an allowance recorded	0	0
Average Recorded Investment, Total	0	0
Interest Income Recognized, With an allowance recorded	0	0
Interest Income Recognized, Total	$ 0	$ 0

ALLOWANCE FOR LOAN LOSSES AND_9

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Troubled Debt Restructured On Recorded Investment) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)loan
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	$ 2,954	$ 2,768
Number of Loans | loan	1	3
Pre-Modification Outstanding Recorded Investment		$ 615
Post-Modification Outstanding Recorded Investment	$ 306
Residential Real Estate
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	3
Pre-Modification Outstanding Recorded Investment	$ 514	$ 637
Post-Modification Outstanding Recorded Investment	306	615
Performing
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	906	932
Non-performing
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	2,048	1,836
Commercial Real Estate
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	1,962	2,043
Commercial Real Estate | Performing
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	431	449
Commercial Real Estate | Non-performing
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	1,531	1,594
Residential Real Estate
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	992	725
Residential Real Estate | Performing
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	475	483
Residential Real Estate | Non-performing
Financing Receivable, Modifications [Line Items]
Total recorded investment in troubled debt	$ 517	$ 242

ALLOWANCE FOR LOAN LOSSES AN_10

ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY OF FINANCING RECEIVABLES (Narrative) (Details)	12 Months Ended
	Dec. 31, 2018USD ($)loan	Dec. 31, 2017USD ($)loan
Receivables [Abstract]
Number of loans modified by troubled debt restructuring | loan	1	3
Post-modification outstanding balance	$ 306,000
Number of loans with subsequent default | loan	0	1
Troubled debt restructuring, charge-offs	$ 0	$ 0
Pre-modification outstanding balance		$ 615,000

PREMISES AND EQUIPMENT (Compone

PREMISES AND EQUIPMENT (Components Of Premises And Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Line Items]
Premises and equipment	$ 31,184	$ 16,886
Accumulated depreciation	(11,969)	(8,497)
Premises and equipment, net	19,215	8,389
Land and land improvements
Property, Plant and Equipment [Line Items]
Premises and equipment	3,378	1,740
Buildings and building improvements
Property, Plant and Equipment [Line Items]
Premises and equipment	15,194	6,744
Leasehold improvements
Property, Plant and Equipment [Line Items]
Premises and equipment	3,351	2,182
Furniture, fixtures and equipment
Property, Plant and Equipment [Line Items]
Premises and equipment	8,382	6,048
Assets in progress
Property, Plant and Equipment [Line Items]
Premises and equipment	$ 879	$ 172

PREMISES AND EQUIPMENT (Narrati

PREMISES AND EQUIPMENT (Narrative) (Details) - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Property, Plant and Equipment [Abstract]
Depreciation expense	$ 1.6	$ 1.1

GOODWILL AND OTHER INTANGIBLE_2

GOODWILL AND OTHER INTANGIBLES (Additional Information) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 21, 2018	Sep. 30, 2018	Jan. 04, 2018	Dec. 31, 2017
Finite-Lived Intangible Assets [Line Items]
Goodwill and intangible assets	$ 27,300				$ 2,800
Estimated fair value of the insurance segment exceeded its carrying value			17.00%
Core deposits
Finite-Lived Intangible Assets [Line Items]
Amortization	247
Insurance
Finite-Lived Intangible Assets [Line Items]
Goodwill and intangible assets	2,300
Banking
Finite-Lived Intangible Assets [Line Items]
Goodwill and intangible assets					$ 486
Community Bank of Bergen County Merger
Finite-Lived Intangible Assets [Line Items]
Goodwill and intangible assets	22,300			$ 22,298
Goodwill acquired	22,300
Community Bank of Bergen County Merger | Core deposits
Finite-Lived Intangible Assets [Line Items]
Intangibles	1,300			$ 1,300
Enterprise Bank N.J.
Finite-Lived Intangible Assets [Line Items]
Goodwill and intangible assets	2,200	$ 2,204
Goodwill acquired	2,200
Enterprise Bank N.J. | Core deposits
Finite-Lived Intangible Assets [Line Items]
Intangibles	$ 1,100	$ 1,000

GOODWILL AND OTHER INTANGIBLE_3

GOODWILL AND OTHER INTANGIBLES (Schedule of Estimated Future Amortization Expense) (Details) $ in Thousands	Dec. 31, 2018USD ($)
Goodwill and Intangible Assets Disclosure [Abstract]
2019	$ 405
2020	364
2021	320
2022	277
2023	$ 234

DEPOSITS (Components Of Time De

DEPOSITS (Components Of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deposits [Abstract]
Demand, non-interest bearing	$ 259,807	$ 146,167
Savings, money market and interest-bearing demand	705,258	417,527
Time deposits less than $100 thousand	205,372	84,299
Time deposits $100 thousand and over	183,502	114,498
Total deposits	$ 1,353,939	$ 762,491

DEPOSITS (Narrative) (Details)

DEPOSITS (Narrative) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deposits [Abstract]
Brokered deposits	$ 188,300	$ 130,600
Certificates of deposit of $250,000 or more	72,200	41,000
Bank overdrafts	$ 231	$ 161

DEPOSITS (Schedule Of Maturitie

DEPOSITS (Schedule Of Maturities Of Time Deposits) (Details) $ in Thousands	Dec. 31, 2018USD ($)
Deposits [Abstract]
Within one year	$ 267,610
One to two years	73,342
Two to three years	29,358
Three to four years	10,622
After four years	7,942
Total time deposits	$ 388,874

BORROWINGS (Narrative) (Details

BORROWINGS (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Pledged assets	$ 367,900,000
Long-term fixed rate advances	$ 44,600,000
Minimum | Federal Funds Rate
Debt Instrument [Line Items]
Variable rate spread on debt instrument	0.20%
Maximum | Federal Funds Rate
Debt Instrument [Line Items]
Variable rate spread on debt instrument	0.30%
ACBB
Debt Instrument [Line Items]
Line of credit, maximum borrowing capacity	$ 10,000,000
Line of credit facility, remaining borrowing capacity	10,000,000
FHLBNY
Debt Instrument [Line Items]
Line of credit, maximum borrowing capacity	367,900,000
Line of credit facility, remaining borrowing capacity	179,600,000
Amount of short term advances at the FHLBNY	$ 175,300,000	$ 55,400,000
FHLBY interest rate	2.66%	1.58%

BORROWINGS (Schedule Of Long-Te

BORROWINGS (Schedule Of Long-Term Borrowings) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Instrument [Line Items]
Fair value adjustment on acquired borrowings	$ (144)	$ 0
Long-term borrowings	$ 44,611	35,000
January 16, 2018
Debt Instrument [Line Items]
Interest Rate	1.18%
Long-term borrowings	$ 0	5,000
July 17, 2018
Debt Instrument [Line Items]
Interest Rate	1.65%
Long-term borrowings	$ 0	5,000
September 19, 2018
Debt Instrument [Line Items]
Interest Rate	1.83%
Long-term borrowings	$ 0	5,000
January 8, 2019
Debt Instrument [Line Items]
Interest Rate	1.68%
Long-term borrowings	$ 1,000	0
February 4, 2019
Debt Instrument [Line Items]
Interest Rate	1.53%
Long-term borrowings	$ 5,000	5,000
February 8, 2019
Debt Instrument [Line Items]
Interest Rate	1.70%
Long-term borrowings	$ 1,000	0
March 18, 2019
Debt Instrument [Line Items]
Interest Rate	1.45%
Long-term borrowings	$ 949	0
April 8, 2019
Debt Instrument [Line Items]
Interest Rate	1.73%
Long-term borrowings	$ 1,170	0
May 30, 2019
Debt Instrument [Line Items]
Interest Rate	1.91%
Long-term borrowings	$ 1,005	0
May 7, 2019
Debt Instrument [Line Items]
Interest Rate	2.39%
Long-term borrowings	$ 1,250	0
June 12, 2019
Debt Instrument [Line Items]
Interest Rate	1.52%
Long-term borrowings	$ 1,000	0
July 30, 2019
Debt Instrument [Line Items]
Interest Rate	2.19%
Long-term borrowings	$ 1,000	0
August 2, 2019
Debt Instrument [Line Items]
Interest Rate	1.05%
Long-term borrowings	$ 2,500	0
September 30, 2019
Debt Instrument [Line Items]
Interest Rate	2.21%
Long-term borrowings	$ 1,000	0
October 30, 2019
Debt Instrument [Line Items]
Interest Rate	2.22%
Long-term borrowings	$ 746	0
November 8, 2019
Debt Instrument [Line Items]
Interest Rate	2.38%
Long-term borrowings	$ 1,000	0
December 9, 2019
Debt Instrument [Line Items]
Interest Rate	2.39%
Long-term borrowings	$ 1,000	0
January 15, 2020
Debt Instrument [Line Items]
Interest Rate	1.66%
Long-term borrowings	$ 5,000	5,000
March 9, 2020
Debt Instrument [Line Items]
Interest Rate	2.43%
Long-term borrowings	$ 1,000	0
May 7, 2020
Debt Instrument [Line Items]
Interest Rate	2.68%
Long-term borrowings	$ 1,045	0
May 7, 2020
Debt Instrument [Line Items]
Interest Rate	2.68%
Long-term borrowings	$ 308	0
June 12, 2020
Debt Instrument [Line Items]
Interest Rate	1.69%
Long-term borrowings	$ 741	0
June 15, 2020
Debt Instrument [Line Items]
Interest Rate	2.69%
Long-term borrowings	$ 1,000	0
July 14, 2020
Debt Instrument [Line Items]
Interest Rate	2.70%
Long-term borrowings	$ 789	0
July 14, 2020
Debt Instrument [Line Items]
Interest Rate	2.70%
Long-term borrowings	$ 520	0
September 8, 2020
Debt Instrument [Line Items]
Interest Rate	2.51%
Long-term borrowings	$ 680	0
October 5, 2020
Debt Instrument [Line Items]
Interest Rate	1.78%
Long-term borrowings	$ 5,000	5,000
December 23, 2020
Debt Instrument [Line Items]
Interest Rate	2.79%
Long-term borrowings	$ 852	0
January 20, 2021
Debt Instrument [Line Items]
Interest Rate	2.07%
Long-term borrowings	$ 5,000	5,000
March 23, 2021
Debt Instrument [Line Items]
Interest Rate	2.83%
Long-term borrowings	$ 1,200	0
June 23, 2021
Debt Instrument [Line Items]
Interest Rate	3.07%
Long-term borrowings	$ 2,000	$ 0
Putable Option | January 20, 2021
Debt Instrument [Line Items]
Long-term borrowings	$ 5,000

BORROWINGS (Schedule Of Maturit

BORROWINGS (Schedule Of Maturities Of Debt) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Debt Disclosure [Abstract]
Within one year	$ 19,476
One to two years	16,935
Two to three years	8,200
Three to four years	0
Four to five years	0
After five years	0
Long-term debt, total	$ 44,611	$ 35,000

DERIVATIVES (Narrative) (Detail

DERIVATIVES (Narrative) (Details)	3 Months Ended	12 Months Ended
	Mar. 31, 2016USD ($)	Dec. 31, 2018USD ($)derivative	Dec. 31, 2017USD ($)loan
Derivative [Line Items]
Amount of four FHLB borrowings			$ 26,000,000
Number of FHLB borrowings (loans) | loan			4
Recorded hedge ineffectiveness		$ 0
Reclassifications to interest expense		5,000	$ 124,000
Estimated reclassified to interest expense		111,000
Financial collateral		$ 2,460,000	1,200,000
Subordinated debt
Derivative [Line Items]
Variable rate junior subordinated debt issued	$ 12,500,000
Subordinated debt | LIBOR
Derivative [Line Items]
Variable rate spread on debt instrument	1.44%
Interest Rate Swaps
Derivative [Line Items]
Number of interest rate swap agreements | derivative		4
Amount of four FHLB borrowings		$ 75,000,000
Financial collateral		$ 2,460,000	$ 1,200,000
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivative [Line Items]
Fixed interest rate of swap agreement		2.89%
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivative [Line Items]
Fixed interest rate of swap agreement		2.85%
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivative [Line Items]
Fixed interest rate of swap agreement		2.90%
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivative [Line Items]
Fixed interest rate of swap agreement		2.86%
March 15, 2016 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivative [Line Items]
Fixed interest rate of swap agreement	3.10%
Swap agreement term	10 years

DERIVATIVES (Schedule Of Fair V

DERIVATIVES (Schedule Of Fair Value of Derivatives) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Derivatives, Fair Value [Line Items]
Derivative Liability	$ 337	$ 0
Fair Value	1,672	1,451
Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	113,500	38,500
Fair Value	1,335	1,451
March 15, 2016 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	12,500	12,500
Fair Value	768	610
December 15, 2016 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	5,000	5,000
Fair Value	246	161
June 15, 2017 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	6,000	6,000
Fair Value	285	170
December 15, 2017 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	10,000	10,000
Fair Value	554	352
December 15, 2017 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	5,000	5,000
Fair Value	261	$ 158
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	20,000
Derivative Liability	(176)
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	20,000
Derivative Liability	(266)
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	17,500
Derivative Liability	(134)
September 15, 2018 | Derivatives designated as hedging instruments Interest rate swaps by effective date
Derivatives, Fair Value [Line Items]
Notional/ Contract Amount	17,500
Derivative Liability	$ (203)

DERIVATIVES (Schedule Of Deriva

DERIVATIVES (Schedule Of Derivative Financial Instruments Designated As Cash Flow Hedges) (Details) - Derivatives in cash flow hedges Interest rate swaps by effective date - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	$ (82)	$ (117)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0	0
March 15, 2016
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	110	(11)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0	0
December 15, 2016
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	60	(1)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0	0
June 15, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	80	(19)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0	0
December 15, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	141	(57)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0	0
December 15, 2017
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	72	(29)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0	$ 0
September 15, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	(123)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0
September 15, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	(186)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0
September 15, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	(94)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	0
September 15, 2018
Derivative Instruments, Gain (Loss) [Line Items]
Amount of Gain Recognized in OCI on Derivatives, net of Tax (Effective Portion)	(142)
Amount of Gain (Loss) Recognized in Income of Derivatives (Ineffective Portion)	$ 0

DERIVATIVES (Offsetting Derivat

DERIVATIVES (Offsetting Derivatives) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets:
Gross Amounts Recognized	$ 2,114	$ 1,451
Gross Amounts Offset	0	0
Net Amounts Presented	1,672	1,451
Financial Instruments	0	0
Cash Collateral Posted	2,460	1,200
Net Amount	(788)	251
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross Amounts Recognized	(779)	0
Gross Amounts Offset	0	0
Net Amounts Presented	(337)	0
Financial Instruments	0	0
Cash Collateral Posted	0	0
Net Amount	(337)	0
Interest Rate Swaps
Assets:
Gross Amounts Recognized	2,114	1,451
Gross Amounts Offset	0	0
Net Amounts Presented	1,672	1,451
Financial Instruments	0	0
Cash Collateral Posted	2,460	1,200
Net Amount	(788)	251
Derivative Liability, Fair Value, Amount Not Offset Against Collateral [Abstract]
Gross Amounts Recognized	(779)	0
Gross Amounts Offset	0	0
Net Amounts Presented	(337)	0
Financial Instruments	0	0
Cash Collateral Posted	0	0
Net Amount	$ (337)	$ 0

SUBORDINATED DEBENTURES AND M_2

SUBORDINATED DEBENTURES AND MANDATORY REDEEMABLE CAPITAL DEBENTURES (Details) - USD ($)	3 Months Ended	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2018	Dec. 31, 2017	Jun. 28, 2007
Capital securities maturity on September 15, 2037
Debt Instrument [Line Items]
Debt issued to investors				$ 12,500,000
Variable rate junior subordinated debentures				$ 12,900,000
Variable rate spread on debt instrument		1.44%
Variable interest rate during the period		4.23%	3.03%
Private placement fixed-to-floating rate subordinated notes
Debt Instrument [Line Items]
Debt issued to investors	$ 15,000,000
Variable rate spread on debt instrument	3.50%
Interest Rate	5.75%

LEASE COMMITMENTS AND TOTAL R_3

LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE (Schedule Of Future Minimum Lease Payments) (Details) $ in Thousands	Dec. 31, 2018USD ($)
Leases [Abstract]
2019	$ 999
2020	524
2021	153
2022	45
2023	45
Thereafter	361
Future minimum lease payments	$ 2,127

LEASE COMMITMENTS AND TOTAL R_4

LEASE COMMITMENTS AND TOTAL RENTAL EXPENSE (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Leases [Abstract]
Rent expense	$ 684	$ 659
Sub-rental income	$ 278	$ 29

EMPLOYEE BENEFIT PLANS (Details

EMPLOYEE BENEFIT PLANS (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Shares held by Rabbi Trust (in shares)	99,029	93,977
SERP
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Carrying value of deferred compensation	$ 535	$ 426
Period over which benefits will be paid	5 years
Supplemental Plans
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Salary Continuation Plan charged to expense	$ 25	46
Carrying value of deferred compensation	542	632
Incentive Plan
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Carrying value of deferred compensation	234	218
DCA
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Carrying value of deferred compensation	$ 25	24
Maximum earnings rate on deferred compensation, percentage of stock price	10.00%
Period over which benefits will be paid	10 years
Shares held by Rabbi Trust (in shares)	99,029
401 (k) Plan
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Maximum annual salary contribution for non-highly compensated employees	75.00%
Maximum annual salary contribution for highly compensated employees	7.00%
Employer's percentage match of employee's match percentage	50.00%
Percentage of employee's annual salary that is matched by the employer	6.00%
Amount charged to expense under 401(k) plan	$ 240	$ 153

COMPREHENSIVE INCOME AND ACCU_3

COMPREHENSIVE INCOME AND ACCUMULATED OTHER COMPREHENSIVE INCOME (Components Of Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Comprehensive Income [Abstract]
Fair value adjustments on derivatives	$ (116)	$ (196)
Fair value adjustments on retirement benefits, Before Tax	11	0
Unrealized gains on available for sale securities, Before Tax	(1,966)	1,682
Reclassification adjustment for net gains on securities transactions included in net income, Before Tax	(36)	9
Total other comprehensive (loss) income, Before Tax	(2,107)	1,495
Fair value adjustments on derivatives, Tax Effect	(33)	(78)
Fair value adjustments on retirement benefits, Tax Effect	3	0
Unrealized gains on available for sale securities, Tax Effect	(512)	672
Reclassification adjustment for net gains on securities transactions included in net income, Tax Effect	(11)	4
Total other comprehensive (loss) income, Tax Effect	(553)	598
Fair value adjustments on derivatives, Net of Tax	(83)	(118)
Fair value adjustments on retirement benefits, Net of Tax	8	0
Unrealized gains on available for sale securities, Net of Tax	(1,454)	1,010
Reclassification adjustment for net gains on securities transactions included in net income, Net of Tax	(25)	5
Other comprehensive (loss) income, net of income taxes	$ (1,554)	$ 897

COMPREHENSIVE INCOME AND ACCU_4

COMPREHENSIVE INCOME AND ACCUMULATED OTHER COMPREHENSIVE INCOME (Other Components Of Accumulated Other Comprehensive Income) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Comprehensive Income [Abstract]
Unrealized (loss) gain on available for sale investments	$ (1,152)	$ 270
Unrealized gain on derivative instruments	977	870
Unrealized gain on retirement benefits	8	0
Reclassification due to the adoption of ASU 2018-02	0	247
Accumulated other comprehensive (loss) income	$ (167)	$ 1,387

EARNINGS PER SHARE (Details)

EARNINGS PER SHARE (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Earnings Per Share [Abstract]
Shares outstanding, basic (in shares)	7,874,676	5,359,430
Shares held by Rabbi Trust (in shares)	99,029	93,977
Share liability under deferred compensation agreement (in shares)	(99,029)	(93,977)
Net earnings applicable to common stockholders	$ 9,923	$ 5,691
Net income applicable to common stockholders and assumed conversions	$ 9,923	$ 5,691
Unvested stock awards (in shares)	46,593	44,951
Shares outstanding, diluted (in shares)	7,921,269	5,404,381
Earnings per share, basic (in dollars per share)	$ 1.26	$ 1.06
Earnings per share, diluted (in dollars per share)	$ 1.25	$ 1.05
Shares of common stock outstanding not included in the computation of diluted EPS (in shares)	0	13,317

STOCK INCENTIVE PLANS (Narrativ

STOCK INCENTIVE PLANS (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Restricted stock awards expense	$ 767	$ 660
Unrecognized compensation expense for non-vested restricted stock	$ 1,600	$ 918
Options exercised (in shares)	0	0
Options granted (in shares)	0	0
Stock options expected future expense	$ 67
Restricted stock awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense, period for recognition (in years)	2 years 1 month 6 days	2 years 2 months 12 days
Stock options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unrecognized compensation expense, period for recognition (in years)	1 year 4 months 24 days
Stock-based compensation expense	$ 49	$ 49
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option grants, maximum term (in years)	10 years
2004 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share available for future grants (in shares)	0
2013 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share available for future grants (in shares)	36,332

STOCK INCENTIVE PLANS (Summary

STOCK INCENTIVE PLANS (Summary Of Information Regarding Restricted Stock Activity) (Details) - $ / shares	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Number of Shares
Unvested restricted stock, beginning of year (in shares)	85,761	80,743
Granted (in shares)	50,045	53,554
Forfeited (in shares)	(4,148)	(4,057)
Vested (in shares)	(34,193)	(44,479)
Unvested restricted stock, end of period (in shares)	97,465	85,761
Weighted Average Grant Date Fair Value
Unvested restricted stock, beginning balance (in dollars per share)	$ 18.34	$ 10.51
Granted (in dollars per share)	28.85	22.02
Forfeited (in dollars per share)	17.66	12.58
Vested (in dollars per share)	16.39	9.09
Unvested restricted stock, ending balance (in dollars per share)	$ 24.45	$ 18.34
Minimum
Weighted Average Grant Date Fair Value
Vesting period	3 years	3 years
Maximum
Weighted Average Grant Date Fair Value
Vesting period	5 years	5 years

STOCK INCENTIVE PLANS (Summar_2

STOCK INCENTIVE PLANS (Summary Of Information Regarding Stock Option Plans) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Number of Shares
Outstanding, beginning of year (in shares)	69,123	69,123
Options granted (in shares)	0	0
Options expired (in shares)	0	0
Options exercised (in shares)	0	0
Outstanding, end of year (in shares)	69,123	69,123
Exercisable, end of period (in shares)	42,629
Weighted Average Exercise Price per Share
Outstanding (in dollars per share)	$ 11.10	$ 11.10	$ 11.10
Options granted (in dollars per share)	0	0
Options expired (in dollars per share)	0	0
Options exercised (in dollars per share)	0	$ 0
Exercisable, end of period (in dollars per share)	$ 10.72
Weighted Average Contractual Term, Outstanding (in years)	6 years 4 months 24 days
Weighted Average Contractual Term, Exercisable (in years)	6 years 2 months 12 days
Aggregate Intrinsic Value, Outstanding	$ 645,686
Aggregate Intrinsic Value, Exercisable	$ 414,504

STOCK INCENTIVE PLANS (Summar_3

STOCK INCENTIVE PLANS (Summary Of Stock Options Outstanding By Exercise Price) (Details)	12 Months Ended
	Dec. 31, 2018$ / sharesshares
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Number Outstanding (in shares)	69,123
Weighted Average Remaining Life (Years)	6 years 4 months 24 days
Number Exercisable (in shares)	42,629
Exercise Price $9.97
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Price (in dollars per share) | $ / shares	$ 9.97
Number Outstanding (in shares)	32,000
Weighted Average Remaining Life (Years)	5 years 10 months 24 days
Number Exercisable (in shares)	25,600
Exercise Price $10.25
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Price (in dollars per share) | $ / shares	$ 10.25
Number Outstanding (in shares)	10,907
Weighted Average Remaining Life (Years)	6 years 1 month 6 days
Number Exercisable (in shares)	6,543
Exercise Price $12.63
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]
Exercise Price (in dollars per share) | $ / shares	$ 12.83
Number Outstanding (in shares)	26,216
Weighted Average Remaining Life (Years)	7 years 2 months 12 days
Number Exercisable (in shares)	10,486

INCOME TAXES (Components Of Inc

INCOME TAXES (Components Of Income Tax Expense) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Current:
Federal	$ 2,112	$ 2,859
State	1,393	983
Total current income tax expense	3,505	3,842
Deferred:
Federal	(51)	741
State	(395)	(104)
Total deferred income tax expense	(446)	637
Income tax expense, total	$ 3,059	$ 4,479

INCOME TAXES (Narrative) (Detai

INCOME TAXES (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Income Tax Disclosure [Abstract]
Federal income tax at statutory rate	21.00%	34.00%
Additional income tax expense		$ 942

INCOME TAXES (Schedule Of Effec

INCOME TAXES (Schedule Of Effective Income Tax Rate Reconciliation) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Effective Income Tax Rate Reconciliation, Amount [Abstract]
Federal income tax at statutory rate	$ 2,726	$ 3,458
Tax exempt interest	(371)	(438)
State income tax, net of federal income tax effect	788	580
Rate change impact	0	942
Bank owned life insurance	(160)	(178)
M&A expenses	171	263
Other	(95)	(148)
Income tax expense, total	$ 3,059	$ 4,479
Effective Income Tax Rate Reconciliation, Percent [Abstract]
Federal income tax at statutory rate	21.00%	34.00%
Tax exempt interest	(3.00%)	(4.00%)
State income tax, net of federal income tax effect	6.00%	6.00%
Rate change impact	0.00%	9.00%
Bank owned life insurance	(1.00%)	(2.00%)
M&A expenses	1.00%	3.00%
Other	0.00%	(2.00%)
Effective income tax rate	24.00%	44.00%

INCOME TAXES (Components Of Net

INCOME TAXES (Components Of Net Deferred Tax Asset) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Deferred tax assets:
Allowance for loan losses	$ 2,069	$ 2,016
Deferred compensation	462	357
Deferred Fees	0	3
Foreclosed real estate	99	186
Restricted stock	258	188
Unrealized loss on securities available for sale	401	0
Other	759	468
Total deferred tax assets	4,048	3,218
Deferred tax liabilities:
Depreciation	(26)	(448)
Prepaid expenses	(66)	(32)
Purchase accounting	(51)	0
Unrealized gain on retirement benefit plan	(3)	0
Unrealized gain on securities, available for sale	0	(122)
Unrealized gain on interest rate swaps	(358)	(391)
Total deferred tax liabilities	(504)	(993)
Net deferred tax asset, included in other assets	$ 3,544	$ 2,225

TRANSACTIONS WITH EXECUTIVE O_3

TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS (Schedule Of Related Party Loan Activity) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Loans and Leases Receivable, Related Parties [Roll Forward]
Balance, beginning	$ 21,564	$ 10,332
Disbursements	9,852	12,306
Repayments and other	(2,493)	(1,074)
Balance, ending	$ 28,923	$ 21,564

TRANSACTIONS WITH EXECUTIVE O_4

TRANSACTIONS WITH EXECUTIVE OFFICERS, DIRECTORS AND PRINCIPAL STOCKHOLDERS (Narrative) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Related Party Transaction [Line Items]
Deposits	$ 1,353,939	$ 762,491
Legal services
Related Party Transaction [Line Items]
Expenses from related parties	39	19
Appraisal services
Related Party Transaction [Line Items]
Expenses from related parties	9	0
Rent expense
Related Party Transaction [Line Items]
Expenses from related parties	152	148
Certain executive officers, directors and their affiliates
Related Party Transaction [Line Items]
Deposits	$ 45,500	$ 9,600

FINANCIAL INSTRUMENTS WITH OF_3

FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Commitments to grant loans
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instrument commitments	$ 87,722	$ 87,630
Unfunded commitments under lines of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instrument commitments	184,523	93,555
Outstanding standby letters of credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instrument commitments	$ 1,376	$ 485

REVENUE RECOGNITION (Details)

REVENUE RECOGNITION (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Revenue from Contract with Customer [Abstract]
Service fees on deposit accounts	$ 1,290	$ 1,123
ATM and debit card fees	983	777
Bank-owned life insurance	761	522
Insurance commissions and fees	6,640	5,326
Investment brokerage fees	104	24
Net gain (loss) on sales of securities	36	(9)
Net gain on sale and disposal of premises and equipment	9	7
Other	926	515
Total Other Income	$ 10,749	$ 8,285

STOCKHOLDERS' EQUITY, CAPITAL_3

STOCKHOLDERS' EQUITY, CAPITAL AND REGULATORY MATTERS (Narrative) (Details) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2014	Jan. 31, 2016	Jan. 31, 2015
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Offering price per share (in dollars per share)		$ 24
Option period to purchase additional shares		30 days
Offering expenses incurred		$ 470
Cash reserve balance required	$ 4,400
Common equity tier I capital (to average assets), For Capital Adequacy Purposes, Ratio	6.38%	5.75%	4.50%		5.75%
Tier I capital to risk-weighted assets, For Capital Purposes, Ratio	7.88%	7.25%	6.00%		7.25%
Total capital to risk-weighted assets, For Capital Purposes, Ratio	9.88%	9.25%	8.00%		9.25%
Tier I capital to average assets, For Capital Purposes, Ratio	4.00%	4.00%
Capital conservation buffer			0.625%	0.625%	2.50%
Conservation buffer phase in period			4 years
Dividend payment restriction on minimum capital stock surplus	50.00%
Funds available for payment of dividends	$ 203,400
Amount of equity in net assets of the bank that is restricted	$ 4,400
Pro Forma
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common equity tier I capital (to average assets), For Capital Adequacy Purposes, Ratio					7.00%
Tier I capital to risk-weighted assets, For Capital Purposes, Ratio					8.50%
Total capital to risk-weighted assets, For Capital Purposes, Ratio					10.50%
Public Stock Offering
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Shares sold in offering (in shares)		1,136,363
Net proceeds from public offering after deducting underwriting discounts and commissions		$ 28,000
Over-Allotment Option
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Shares sold in offering (in shares)		113,636

STOCKHOLDERS' EQUITY, CAPITAL_4

STOCKHOLDERS' EQUITY, CAPITAL AND REGULATORY MATTERS (Schedule Of Actual Capital Amounts) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Jan. 31, 2015	Dec. 31, 2014
Regulatory Capital Requirements [Abstract]
Total capital, Actual, Amount	$ 188,647	$ 121,141
Total capital to risk-weighted assets, Actual, Ratio	12.94%	15.17%
Total capital, For Capital Purposes, Amount	$ 143,984	$ 73,847
Total capital to risk-weighted assets, For Capital Purposes, Ratio	9.88%	9.25%	9.25%	8.00%
Total capital, To be Well under Corrective Provisions, Amount	$ 145,733	$ 79,835
Total capital to risk-weighted assets, To be Well under Corrective Provisions, Ratio	10.00%	10.00%
Tier I capital, Actual, Amount	$ 179,872	$ 113,806
Tier I capital to risk-weighted assets, Actual, Ratio	12.34%	14.26%
Tier I capital, For Capital Purposes, Amount	$ 114,837	$ 57,880
Tier I capital to risk-weighted assets, For Capital Purposes, Ratio	7.88%	7.25%	7.25%	6.00%
Tier I capital, To be Well under Corrective Provisions, Amount	$ 116,586	$ 63,868
Tier I capital to risk-weighted assets, To be Well under Corrective Provisions, Ratio	8.00%	8.00%
Common equity tier I capital (to average assets), Actual, Amount	$ 179,872	$ 113,806
Common equity tier I capital (to average assets), Actual, Ratio	12.34%	14.26%
Common equity tier I capital (to average assets), For Capital Adequacy Purposes, Amount	$ 92,977	$ 45,905
Common equity tier I capital (to average assets), For Capital Adequacy Purposes, Ratio	6.38%	5.75%	5.75%	4.50%
Common equity tier I capital (to average assets), To be Well Capitalized, Amount	$ 94,726	$ 51,893
Common equity tier I capital (to average assets), To be Well Capitalized, Ratio	6.50%	6.50%
Tier I capital, Actual, Amount	$ 179,872	$ 113,806
Tier I capital to average assets, Actual, Ratio	12.06%	11.86%
Tier I capital, For Capital Purposes, Amount	$ 59,673	$ 38,391
Tier I capital to average assets, For Capital Purposes, Ratio	4.00%	4.00%
Tier I capital, To be Well under Corrective Provisions, Amount	$ 74,591	$ 47,989
Tier I capital to average assets, To be Well under Corrective Provisions, Ratio	5.00%	5.00%

PARENT COMPANY ONLY FINANCIAL_2

PARENT COMPANY ONLY FINANCIAL (Balance Sheets) (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Assets
Interest-bearing deposits with other banks	$ 14,910	$ 8,376
Total Assets	1,795,703	979,383
Liabilities and Stockholders' Equity
Long-term borrowings	44,611	35,000
Subordinated debentures	27,859	27,848
Stockholders' equity	185,444	94,193	$ 60,072
Total Liabilities and Stockholders' Equity	1,795,703	979,383
Parent Company
Assets
Cash	80	347	$ 129
Interest-bearing deposits with other banks	248	249
Investment in subsidiary	209,037	117,953
Accrued interest and other assets	3,995	3,555
Total Assets	213,360	122,104
Liabilities and Stockholders' Equity
Other liabilities	58	63
Long-term borrowings	0	0
Subordinated debentures	27,859	27,848
Stockholders' equity	185,443	94,193
Total Liabilities and Stockholders' Equity	$ 213,360	$ 122,104

PARENT COMPANY ONLY FINANCIAL_3

PARENT COMPANY ONLY FINANCIAL (Statements Of Income And Comprehensive Income) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Condensed Income Statements, Captions [Line Items]
Interest expense on borrowings	$ (3,288)	$ (1,749)
Income before Income Taxes	12,982	10,170
Income tax benefit	(3,059)	(4,479)
Net Income	9,923	5,691
Comprehensive income	8,369	6,588
Parent Company
Condensed Income Statements, Captions [Line Items]
Dividend received from subsidiaries	2,803	0
Interest expense on borrowings	(15)	(109)
Interest expense on debentures	(1,263)	(1,278)
Other expenses	(280)	(217)
Income before Income Taxes	1,245	(1,604)
Income tax benefit	305	623
Loss before equity in undistributed net income of subsidiaries	1,550	(981)
Equity in undistributed net income of subsidiaries	8,373	6,672
Net Income	9,923	5,691
Comprehensive income	$ 8,369	$ 6,588

PARENT COMPANY ONLY FINANCIAL_4

PARENT COMPANY ONLY FINANCIAL (Statements Of Cash Flows) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Cash Flows from Operating Activities
Net income	$ 9,923	$ 5,691
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of subordinated debt costs	11	8
Net Cash Provided by Operating Activities	16,203	9,870
Cash Flows from Investing Activities
Net Cash Used in Investing Activities	(162,328)	(135,801)
Cash Flows from Financing Activities
Cash dividends paid	(2,263)	(1,203)
Repayment of long-term borrowings	(15,000)	(31,000)
Net Cash Provided by Financing Activities	161,157	122,939
Net Increase in Cash and Cash Equivalents	15,032	(2,992)
Parent Company
Cash Flows from Operating Activities
Net income	9,923	5,691
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of subordinated debt costs	11	8
Net change in other assets and liabilities	435	607
Equity in undistributed net income of subsidiaries	(8,373)	(6,672)
Net Cash Provided by Operating Activities	1,996	(366)
Cash Flows from Investing Activities
Capital contribution from to subsidiaries	0	(21,240)
Net Cash Used in Investing Activities	0	(21,240)
Cash Flows from Financing Activities
Cash dividends paid	(2,263)	(1,203)
Net proceeds from issuance of common stock	0	28,027
Repayment of long-term borrowings	0	(5,000)
Net Cash Provided by Financing Activities	(2,263)	21,824
Net Increase in Cash and Cash Equivalents	(267)	218
Cash and Cash Equivalents - Beginning of Year	347	129
Cash and Cash Equivalents - End of Year	$ 80	$ 347

Uncategorized Items - sbbx-2018

Label	Element	Value
Accounting Standards Update 2018-02 [Member] | Retained Earnings [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ (247,000)
Accounting Standards Update 2018-02 [Member] | AOCI Attributable to Parent [Member]
Cumulative Effect of New Accounting Principle in Period of Adoption	us-gaap_CumulativeEffectOfNewAccountingPrincipleInPeriodOfAdoption	$ 247,000